Long Term Care Insurance Information
New Jersey, CT, PA & NY
We are a Flanders, NJ insurance agency offering affordable New Jersey, CT,
PA, and NY long term care insurance to residents of the following towns,
cities and counties in New Jersey: mount olive, budd lake, hackettstown,
ledgewood, succasunna, naughright, chester, mount freedom, randolph,
wharton, dover, beatyestown, port murray, great meadows, netcong, mount
arlington, hopatcong, mount hope, morristown, rockaway, morris plains,
mendham, whippany, parsippany, boonton, hurdtown, espanong, greendell,
pottersville, bernardsville, basking ridge, mountainville, high bridge, bunnvale,
hampton, washington, hope, newark, trenton, camden, elizabeth, jersey city,
paterson, hackensack, cherry hill, vineland, millville, toms river, atlantic city,
piscataway, fort lee, orange, union city, paramus, new brunswick, bayonne,
hoboken, north bergen, essex county, middlesex county, mercer county,
hunterdon county, bergen county, passaic county, morris county, warren
county, sussex county, somerset county, union county, hudson county,
gloucester county, camden county, burlington county, atlantic county, ocean
county, cumberland county, salem county, monmouth county, cape may
county, NJ. We also offer long term care insurance coverage throughout
Connecticut, Pennsylvania, and New York.
**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
agent.

Please be advised that insurance coverage cannot be bound, changed or confirmed
via voicemail, email, fax or online at the agency's website. You must speak directly
with a licensed insurance agent.
( also CT, PA & NY )
W.R. McClure
Insurance Services, Inc.
230 Route 206
Building 1 - Suite 8
Flanders, New Jersey 07836
Morris County, NJ
Office: (973) 584-5850
Fax: (973) 584-3440

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Although people are generally living longer, many are requiring
assistance in their later years. Long term care services can be
provided in your home, in an assisted living facility or in a nursing
home. In many cases the family is no longer able to provide such
care around the clock. Family members may not live nearby, they
may have other pressing family commitments, or simply can't get
the time off from work or away from the home.
According to recent data, 48.6% of people age 65 and older may
spend some time in a nursing home and 71.8% of people age 65
and older may use some form of home health care.
Some people can pay the bill out of pocket, others will qualify for
Medicaid (welfare), but most of us will fall somewhere in the middle.
A New Jersey Long Term Care insurance policy can help protect
your assets from the rising cost of care.

Long Term Care insurance is often referred to as "asset
protection." Individuals need to have assets worth protecting in
order to justify the purchase of a policy. If you are able to pay Long
Term Care insurance premiums without having to change your
lifestyle - you should transfer that risk to the insurance company.
Three Types of Long Term Care
Insurance Policies
Facility Only: Will pay benefits for care in a nursing home, assisted living facility or board and
care facility. It's the most basic policy but often the most needed type.
Home Health Care: Will pay benefits for care in your home, but not in a facility. The preferred
policy when a home health care situation is possible.
Comprehensive: Will pay benefits for care in your home or in a facility. This is the preferred
type of plan (policy) because of it's flexibility, but is also the most expensive.
A long term care insurance specialist will assist you in deciding which type of policy will work
best for your needs.
More Information on NJ, CT, PA & NY Long Term Care Insurance
Click on the link below to fill out a secure quote request form for a New Jersey long term
care insurance policy that provides excellent health insurance coverage and services at a
cheaper cost. Or you can speak with our New Jersey Long Term Care Insurance specialist
at (973) 584-5850 to discuss the insurance policy features in more detail.
Benefit Limit: The number of years that a plan will pay a benefit from the time
you get sick. Benefit limits generally vary from one year to lifetime coverage.
The longer the benefit limit, the greater the protection but the higher the cost.

Inflation Protection: Sometimes called an "inflation rider", this provides you
with a way for your daily benefits to increase over time. Otherwise, the policy
may not be sufficient to protect you many years from now. Long term care
insurance policies normally contain riders offering automatic daily benefit
increases of 5 percent each year, either at "simple" or "compounded" rates.

Elimination Period: Amount of time that you agree to pay out of your own
pocket before the plan (policy) begins to pay. This period normally varies from
0 to 100 days. The 100-day elimination period will produce the smallest
premium cost to you.
Daily Benefit: The maximum amount a policy will pay for one day of care. This
can vary from $50 per day to over $400 per day. You will decide whether to
purchase sufficient insurance to cover all of these costs or only most of them.
Stable Premiums: Premiums that will not be influenced by any
change in your age or health, and will not change during the life of the
policy. Insurance companies do reserve the right to change rates on a
statewide basis.

Guaranteed Renewable: The insurance company can't cancel the
long term care insurance policy unless you fail to pay the premium.
Covers Mental Conditions: Covers mental and nervous conditions
due to any organic brain disease, including Alzheimer's Disease.

Exclusions: Exclusions should be minimal and should not adversely
affect your stated insurance protection goals.
No Pre-Existing Conditions: All previous medical history admitted
on the long term care insurance application and is approved for a
policy, is of no consequence in the future.
Waiver of Premium: The insurance company allows you to stop
paying premiums once you've begun receiving benefits. There can be
waiting periods of up to 90 days before this waiver takes effect, and it
may not be available when home health care is purchased.
No matter what age you are now, it's doubtful that you will pay more over your
entire life in total premiums for long term care insurance than you would pay
for only a one year stay in a nursing home.

The cost of nursing home care has risen at an average rate of 7% per year for
the last 15 years. Today's average cost of care in New Jersey is about
$141,000, but inflation rates will propel this cost much higher. An average
inflation rate of 6% over the next twenty years would more than triple the cost
of nursing home care.
Medicare pays for less than 10% of all nursing home costs.

Over 50% of the U.S. population will require long term care at some point.
38% of the 13.5 million Americans currently receiving long term care are
between the ages of 18 and 64.
More than 76% of people receiving long term care, receive it in their home
or in other community environments.
Facts
Type of Policy: Facility, Home Health Care, or Comprehensive
Age: The most important element in determining the premium. Naturally the
earlier you start paying for long term care insurance the better.
Long Term Care Insurance (Nursing Care)
There are three levels of nursing care that are covered by a New Jersey
long term care insurance policy:

Custodial care: Care necessary due to a permanent or chronic illness or
injury, which is less intensive, but which may continue indefinitely. This
nursing care helps a person perform activities of daily living or supervises a
person if cognitive impairment exists. Many custodial care situations start
with a mild degree of illness which is followed by slow deterioration.
Alzheimer's disease is one example where custodial care is usually
needed. Other types of insurance policies do not offer custodial care
benefits. The value of long term care insurance for you or a family member
and protecting a lifetime of created assets is never more evident than in
custodial care nursing services.
Skilled care: Short term nursing care needed after an illness or serious
injury. Consists of rehabilitative and intensive 24 hours per day care.
Intermediate care: Rehabilitative care by a nurse for up to six months
and when less than 24-hours per day supervision is needed.
Skilled care: Short term nursing care needed after an illness or serious
injury. Consists of rehabilitative and intensive 24 hours per day care.
Click on the link below to fill out a secure quote request form for a New
Jersey long term care insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you can
speak with our New Jersey Long Term Care Insurance specialist at
(973) 584-5850 to discuss the policy features in more detail.
Click on the link below to fill out a secure quote request form for a New
Jersey long term care insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you can speak
with our New Jersey Long Term Care Insurance agent at (973) 584-5850 to
discuss the insurance policy features in more detail.
Click on the link below to fill out a secure quote request form for a New
Jersey long term care insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you can
speak with our New Jersey Long Term Care Insurance specialist at
(973) 584-5850 to discuss the features in more detail.
W.R. McClure
Insurance Services
Large enough to answer client needs and small
enough to maintain personal relationships.
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