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LowNewJerseyRates.com will help you find cheap long term care insurance policy rates. Fill in your zipcode on the graphic below and hit the go button to get your free quotes.

If you are a baby boomer, you may be surprised to discover that Long Term Care expenses are not adequately covered by traditional medical insurance plans. Further, there are also restrictions on Long Term Care coverage under Medicare and Medicaid. If you require care in your home or in an assisted living facility, most likely you will need more or different coverage than what is provided by traditional medical insurance, Medicare or Medicaid. Long Term Care or LTC insurance can bridge this gap in coverage. Long Term Care Insurance insurance provides payment for assistance if you need help with basic Activities of Daily Living (ADLs). ADLs include bathing, dressing or moving around your home. Long Term Care insurance would also usually cover degenerative conditions such as a stroke or cognitive impairment like Alzheimer's Disease. Long Term Care Insurance policies have evolved to cover assistance whether it is within your home, within a nursing home or within an assisted living facility.

Over seventy five percent of Americans do not think they need long term care insurance. A recent study conducted by the U.S. Department of Health noted that by the time people reach the age of 65, more than 40% risk needing to live in a nursing home. If you are nearing 50 years old, this means within the next 10-15 years there is nearly a 50% likelihood that you will need some level of Long Term Care. Poor exercise, overeating and smoking can increase the percentage. LTC costs can quickly consume the retirement savings of those who do not plan properly. Long Term Care is not just for the elderly. While most people who need long-term care are age 65 or older, a person can need long-term care services at any age. Almost forty (40) percent of people currently receiving long-term care are between the ages of 18 and 64 years old.

The best time to buy long term care insurance is when you are in your middle ages. This should be at a time when you are best eligible and your premiums are lower. Start too early and you may pay premiums for many years on a policy that you don't need for many years. Waiting too long may cause you to become ineligible or develop a pre-existing condition that could elevate your rates. The timing is a personal choice based on your health and life circumstances. If you are nearing your golden years, you should consider your Long Term Care insurance needs now. LowNewJerseyRates.com will connect you with experts that can discuss your long term care options and the best pricing for their policies.

We service customers in Newark, Jersey City, Paterson, Elizabeth, Edison, Atlantic City, NJ and other great cities in The Garden State helping them find cheap long term care insurance from award winning insurance companies. Our New Jersey insurance agent and broker referral network can help you compare rates from the comfort of your home.