NJ Long Term Care Insurance

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and the Right Insurance Quote online
iQuote connects you with the right agent for you and the insurance you need. Whether you are looking for affordable:

•Auto Insurance or Marine Insurance in New Jersey
•Life Insurance coverage
•Long-Term Care or Disability Insurance
•NJ Home Owner Insurance
•New Jersey Health Care Insurance
We take a tailored, specific approach designed to serve your needs. Answer a few simple questions including your monthly insurance budget and we will connect you with a local insurance expert who understands you best.

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•Who and where you are
•What type of insurance you need
•Your monthly insurance budget
We'll take care of the rest. Your agent will contact you only the way you want – by email, phone or mail – to talk over the details.

So many insurance quoting services simply send out your information hoping for an acceptable quote to come back. The result for you is altogether too many emails and phone calls from companies that don't understand what you need.

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Understanding Long Term Care Insurance
Long Term Care is about peace of mind as you age and work out your retirement planning. It is a category of care that provides any number of services designed to provide care and support for people with chronic conditions. Medicare or Medicaid may not pay for everything and insurance for Long Term Care is designed to pay for these services in the event of a prolonged illness, injury, disability or neurological cognitive disorder.

Services run the gamut from part-time support to full-time, 24/7 care and social services in the following categories:

•Home Health Care
•Assisted Living
•Nursing Home
•Continuing Care
•Community Services
Whether you or a member of your family has been injured in an accident, suffer from a long-term or terminal disease or simply growing to an age that requires assistance in the home or a nursing home, Long Term Care Insurance can help defray what can be a debilitating cost.

Your iQuote local insurance expert can help walk you through all the options relevant to your details.

Evaluating Your Long Term Care
Insurance Needs
Given the potential expense of Long Term Care, this type of insurance is something anyone who can afford it should seriously consider. Cost of care can range from $20,000 or more a year for a visiting health care aide to more than $100,000 a year for full-time care either at home or in a nursing home. Many Americans will require an understanding of Medicaid eligibility as they grow older. Statistics show that more than 60% of Americans over the age of 65 will require some form of Long Term Care and almost 40% of those receiving Long Term Care are under the age of 65.*

Having a dedicated professional to guide you through the options of Long Term Care and Medicaid eligibility can make all the difference in getting the right coverage for you and your family. Being prepared to cover the expense of New Jersey Assisted Living, New Jersey retirement communities, nursing homes and other Long Term Care can make all the difference in enjoying your golden years. Let iQuote deliver a local expert to help you navigate the options that can include private insurance and government support.

Just enter a few select pieces of information and your agent will contact you by phone, email or mail – your choice.

* Source: http://www.lifehappens.org/

Long Term Care Insurance FAQ
What is Long Term Care Insurance?
Long Term Care refers to a range of services and options from in-home help to nursing home care to community services to help you manage your life needs. Long Term Care Insurance is a policy you can purchase that will help pay the cost of these services if you ever need them.

Who needs Long Term Care Insurance?
An estimated ten million Americans require Long Term Care at any given time.* With more than 60% of those over the age of 65, it is important to think about the possibility of needing to pay for this type of service at some point as you grow older.

How much does it cost?
Cost of long-term care varies according to your age at the time you begin to need these services and how long you'll require them. It is a common strategy for individuals who cannot afford the coverage they think they may need to purchase a basic policy that they can enhance down the road when they can afford more. See Evaluating Your Needs for more details. The NJ agent we recommend for you will be able to guide you through the process and meet your needs affordably.

What makes Long Term Insurance through iQuote different?
iQuote connects you with the right New Jersey Insurance agent for you and the Long Term Care protection you need. Answer just a few short questions including an option for how much you want to pay and we hand pick a local insurance expert who will contact you directly by phone, email or mail depending on your choice. We protect your information so you won't be contacted by every agent in the business. You'll hear from one who knows you and your area.

* Source: http://www.caregiver.org



"Buying Long Term Care Insurance is personal, and I wanted a personal insurance quote experience. iQuoteNetwork not only found me a local NJ agent, but I was only contacted as I requested, and I was able to provide my insurance budget beforehand."

— Terrence Jackson, Freehold, NJ