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New York Long Term Care Insurance Policy (also CT & NJ)
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There are six primary factors influencing the premium
for long term care insurance policies:
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.
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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Copyright 2004-2008 Direct Access Group Benefits, Inc. - All rights reserved
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New & Noteworthy
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Request a Quote Here!
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New York State
Mandated Disability |
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Answer a few questions and
we will provide you with a no
obligation to buy quote by
phone or email. Choose the
NY, CT, or NJ personal or
group insurance coverage
you're interested in from one
of the menus above.
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Lowest Rates
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"Your Local New York Long Term Care Insurance Agent Specialist!"
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Employee Benefits
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Personal Insurance
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"Over 15 Years
of Professional
Insurance Service"
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Direct Access
Group Benefits, Inc.
340 Route 202
Somers, New York 10589
Toll Free: 1-800-498-1819
(914) 276-6000
Fax: (914) 276-6002
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"Your Westchester County
Long Term Care
Insurance Agent"
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We offer affordable long term care insurance policy premiums to residents of the
following New York counties and cities: Westchester County, Putnam County, Orange County, Rockland County, Port Chester, Harrison, Mamaroneck, Larchmont, New Rochelle, Yonkers, White Plains, Rye Brook, Scarsdale, Rye, Ardsley, Hartsdale, Bronxville, Mt. Vernon, Mount Vernon, Irvington, Valhalla, Elmsford, Dobbs Ferry, Hastings on Hudson, Greenburgh, Tarrytown, Sleepy Hollow, Hawthorne, Scarborough, Thornwood, Briarcliff Manor, Ossining, Harmon, Montrose, Crugers, Buchanan, Peekskill, Millwood, Pleasantville, Armonk, Chappaqua, North Castle, Mt. Kisco, Bedford, Pound Ridge, Bedford Hills, Cross River, South Salem, Yorktown Heights, Goldens Bridge, Amawalk, Yorktown, Katonah, Salem Center, Somers, North Salem, Croton Falls, Jefferson Valley, Shrub Oak, Palisades, Sparkill, Tappan, Orangeburg, Pearl River, West Nyack, New City, Nanuet, Chestnut Ridge, Montebello, Suffern, Monsey, Spring Valley, Congers, Nyack, Rockland Lake, Wesley Hills, New Hempstead, Pomona, Sloatsburg, Ramapo, Hilburn, Willow Grove, Mt. Ivy, Thiells, Tomkins Cove, Ladentown, Haverstraw, Stony Point, Tomkins Cove, West Haverstraw, Bear Mountain, Jones Point, Newburgh, Middletown, and Poughkeepsie, NY. |
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We also offer affordable long term care insurance policy premiums to residents of the
following Connecticut counties and cities: Fairfield County, Stamford, Norwalk, Greenwich, Darien, Riverside, Belltown, Springdale, Round Hill, Old Greenwich, East Norwalk, New Canaan, Glenville, Byram, Cos Cob, Mianus, North Stamford, Glenbrook, Wilton, Weston, Long Ridge, Noroton, West Norwalk, Westport, High Ridge, Southport, North Wilton, Winnipauk, Cannondale, Turn of River, South Wilton, Lyons Plains, Georgetown, Ridgefield, Branchville, Redding, Topstone, Ridgebury, Redding Ridge, Branchville, Dodgingtown, West Redding, Titicus, Hattertown, Bethel, Danbury, New Fairfield, Newtown, Hawleyville, Botsford, Monroe, Bridgeport, Stepney, Shelton, Huntington, Upper Stepney, Long Hill, Trumbull, Stratford, Easton, Fairfield, Greenfield Hill, Stratfield, Nichols, Oronoque, Rivercliff, Devon, Lordship, and East Bridgeport, and New Haven, CT. |
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Long Term Care Insurance Policy Premiums
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More Information on NY, CT, and NJ
Long Term Care Insurance
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Click on the link below to fill out a quote request form for a long term care
insurance policy that will provide excellent long term care insurance coverage at an affordable cost. Or speak with our Long Term Care Insurance Agent Specialist toll free at 1-800-498-1819 to discuss the features. |
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(New York - Connecticut - New Jersey)
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