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Long Term Care Insurance

Long term care insurance covers expenses and services not covered by health insurance, Medicare, or Medicaid. Speak with one of our specialists about your options today.

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What is Long Term Care Insurance?

Long-term care insurance (LTC or LTCI), an insurance product that helps provide for the cost of long term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.

The Benefits of Long Term Care Insurance

Long-term care insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to seven days a week, 24 hours a day (up to the policy benefit maximum).

Other benefits of long-term care insurance:
  • Many individuals may feel uncomfortable relying on their children or family members for support, and find that long-term care insurance could help cover out-of-pocket expenses. Without long-term care insurance, the cost of providing these services may quickly deplete the savings of the individual and/or their family.
  • Premiums paid on a long-term care insurance product may be eligible for an income tax deduction. The amount of the deduction depends on the age of the covered person. Benefits paid from a long-term care contract are generally excluded from income.
  • Business deductions of premiums are determined by the type of business. Generally corporations paying premiums for an employee are 100% deductible if not included in employee's taxable income
Medicaid provides some of the benefits of long-term care insurance. A welfare program, Medicaid does provide medically necessary services for people with limited resources who need nursing home care but can stay at home with special community care services. However, Medicaid generally does not cover long-term care provided in a home setting or for assisted living. People who need long-term care often prefer care in the home or in a private room in an assisted living facility.

Contact us to learn more about the right long term care insurance for you.
(732) 634-7114​
629 Amboy Ave.
Suite 302
Edison, NJ 08837​
Click Here to Email Us
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Licensed in New Jersey, Connecticut, Florida, New York, and Pennsylvania


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Allen Freeman Insurance Agency
629 Amboy Ave.
Suite 302
Edison, NJ 08837
(732) 634-7114
Click Here to Email Us

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  • Home
  • Quotes
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
      • General Liability Insurance Quote
      • Professional Liability Insurance Quote
      • Excess/Umbrella Liability Quote
      • Commercial Auto Insurance Quote
      • Inland Marine Insurance Quote
      • Builder's Risk Insurance Quote
      • Building Insurance Quote
      • Payroll Services Insurance Quote
      • Group Health Insurance Quote
      • Group Dental/Vision Plans Insurance Quote
      • Group Life Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Disability Insurance Quote
      • Final Expense Insurance Quote
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Health Quotes >
      • Health Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Vision Insurance Quote
    • Other Quotes >
      • Event Insurance Quote
      • Boat Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Free Consultation
    • Online Documents
  • Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Insurance Bonds
      • Workers Compensation
      • General Liability Insurance
      • Professional Liability Insurance
      • Excess/Umbrella Liability Insurance
      • Commercial Auto Insurance
      • Inland Marine Insurance
      • Builder's Risk Insurance
      • Building Insurance
      • Payroll Services Insurance
      • Group Health Insurance
      • Group Dental/Vision Plans Insurance
      • Group Life Insurance
    • Life/Financial >
      • Life Insurance
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
      • Umbrella Insurance
    • Property >
      • Home Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
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    • Health >
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