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Home > Long-Term Care Insurance in New Jersey

Long-Term Care Insurance


Long-Term Care Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Disability Insurance

Long-Term Care Insurance Information

Serving Somerset County, Hunterdon County, Mercer County and Surrounding Areas

 


Senior couple sitting on a bench in a park


Most of us know someone who has needed to be cared for as the result of a long-term illness or condition.....perhaps even someone we love in our own family.
If so...you know the toll it can take on a family....emotionally and financially.
Very often the financial issues affect the emotional issues......



Some realities of long-term care....
-73% of us will need some type of long-term care during our lifetime...either at home or in a nursing home.
-The cost of a private room in the Tri-State area is as high as $13,000 a month!
-The average stay in a nursing home for a person suffering from Alzheimer's is 8 years...that is $1,248,000 without factoring cost increases or inflation.
-Most people are totally unprepared for this.......
-It can destroy even the best thought-out plans for our later years......

Chances are you investment advisor never raised this discussion with you....most are not trained in this area......they focus on accumulating assets for you.
-Can your savings/investments absorb a loss of $156,000 a year? At a time that you cannot predict? 
-Do you want to be forced to liquidate assets in a potentially down market? Or sell off property at a time that may not be advantageous?
-If you are drawing 3% a year (most advisors are recommending 2.5%) from your savings/investments.....and now you have to take another $13,000 out each month.....you are guaranteed to run out of money.....fact.

-At INCOME RESOURCE GROUP we do not view the issues as an "insurance" issue......we view it as an "income issue"....
-How can we create income for you......without draining your savings......to provide quality care for yourself and/or that loved-one.

Lets take a look at some solutions to the problem.......and some problems with some solutions......

Conventional Long-Term Care Insurance

"Asset Care".......What We Offer..

Few companies remaining in this business do to government mandated reserve requirements.

Safe and predictable plan to preserve your assets.

Many clients have experienced massive premium increases in recent years..some as high as 77%.

 

Costs are guaranteed and can never increase.

If two people wish to be covered...they must buy 2 policies.

One policy can cover 2 people...and they do not have to be a married couple.

Cannot accept IRA/401(k) money for premium.

You can pay in a lump-sum...or annually.

No refund of premiums for benefits not used.

You can use IRA or 401(k) money to pay for your plan.

No benefits for home care.

Premium refunds for unused benefits.

No death benefit to heirs when you die.

Pays for care at home or in a nursing home.

Lifetime benefits not available.

Pays for adult day care.

 

Pays for hospice care.

 

Pays for caregiver training so you or your loved one remain at home.

 

Tax-free death benefit to your heirs if you die while covered.

 

Lifetime benefits available.



The time to have a conversation with us is NOW......the risk is there....it's just a matter of who pays for it.


                              
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PO Box 15
Ringoes, NJ 08551

P: 908-419-5170
E: info@incomeresourcegroup.com
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