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Insurance Plus
15 W. Main Street
Oyster Bay, New York 11771
(516) 922-1200
(212) 268-4473
Fax: (516) 922-5900
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"Your Long Island, NY
Long Term Care
Insurance Agent"
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Personal Insurance
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Employee Benefits
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Resource Center
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New York Long Term Care Insurance Specialists
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Built & Maintained by InsuranceWebsiteServices.com
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We are your local Long Island insurance agency, offering affordable
Long Term Care Insurance policy premiums in the following New York City area cities and counties: Oyster Bay, Huntington, Glen Cove, Port Washington, Roslyn, Syosset, Jericho, East Hills, Great Neck, South Huntington, Melville, Pinelawn, Farmingdale, Bethpage, Levittown, Lindenhurst, Babylon, Bay Shore, Islip, Northport, Hicksville, Westbury, Mineola, Garden City, Long Island City, Manhasset, Massapequa, Freeport, Lynbrook, Rockville Centre, Hempstead, Elmont, Valley Stream, Long Beach, Oceanside, Amityville, Merrick, Bellmore, Jamaica, Brooklyn, Bronx, Flatbush, Queens, Astoria, and everywhere else in Nassau County, Queens County, Kings County, New York County, Bronx County, Westchester County, and Suffolk County, NY. |
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There are six primary factors influencing the premium for long term care
insurance policies: |
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Type of Policy: Facility, Home Health Care, or
Comprehensive |
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Age: The most important element in determining the
premium. Naturally the earlier you start paying for long term care insurance the better. |
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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. |
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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. |
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Long Term Care Insurance (Nursing Care)
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There are three levels of nursing care that are covered
by a long term care insurance policy: |
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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. |
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Intermediate care: Rehabilitative care by a nurse for up to six
months and when less than 24-hours per day supervision is needed. |
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Skilled care: Short term nursing care needed after an illness or
serious injury. Consists of rehabilitative and intensive 24 hours per day care. |
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A long term care insurance specialist with Insurance Plus will
assist you in deciding which type of policy will work best for your needs. |
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More Information on Long Term Care Insurance
for New York Residents |
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Click on the link below to fill out a quote request form for a Long Term
Care Insurance policy that provides excellent insurance coverage at an affordable cost. Or speak with one of our Long Term Care Insurance Agent specialists at 516-922-1200 or 212-268-4473 to discuss the features. |
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Family or Individual
Health Insurance
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Affordable
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