Long term care life insurance policies are designed to help pay for home care, assisted living, and/or nursing home care. The insured has to qualify for the policy after medical examinations. The long term care health insurance in NJ are designed to pay a daily amount of money when the claim begins. For instance, you could have a policy pay a 200 dollar per day benefit over a certain number of years or the life of the insured. You get to pick the daily benefit and the amount of time the benefit is payable. Benefits would be payable when certain ADL's, (Activites of Daily Living) could not be performed by the insured.

ADL's are eating,dressing,bathing, transferring,continence, and toileting. Generally when 2 ADL's cannot be performed by the insured then a claim would be payable.

These long term care life insurance policies differ from carrier to carrier so you should be careful when reviewing policies.

Some of the long term care health insurance in NJ carriers we represent:

*Allianz: *General Electric (GE): *New York Life: *Unum:

plus many more:

We will be happy to provide you with the information you need to make an informed choice.