Long-Term Care Insurance

Serving New Jersey

We are not indestructible, although all too many of us believe we are.  Therefore, very few of us know to budget for on-going care, in the event of a serious injury, illness or disability.  Investing in long term care insurance, you are investing in your safety and protection.  To learn more about long term care insurance, please let Sharer and Associates answer all of your questions.  Or simply submit a free long-term care insurance quote request.

What you need to know:

Did you know that just one year at a 24 hour facility or nursing home can cost above $66,000!  And did you know that costs increase about 4% each year?  That means that care facilities could potentially cost you about $150,000 to $250,000 per year over the next 20 or 30 years!  Since most people do not think that they will ever end up needing intensive care, most people do not budget for this!  You do not want to get stuck needing care and not being able to afford it.  Plan ahead and consider the following:

• You might think you’re covered for a serious accident or illness, but are you sure?
   
  • Long term care covers all different kinds of personal assistance, from eating and bathing, to assisted mobility.  It’s a service that provides you with assistance to become as independent as possible.  Usually, this assistance is not covered by health or long term disability insurance.  You should also be careful to rely on government programs and Medicare, since they do not cover as much as long term care insurance does.
     
• Your health and age play a significant role!
   
  • Be sure to protect your financial security while you are healthy enough since the premiums are based on your age and health when you apply for long term care insurance. 

Call Sharer and Associates at 609-632-0487 today to help you help yourself.  We are here to answer questions, explain concepts and give you a better understanding about how to better protect yourself, your family and your finances.  Or just fill out a free long-term care insurance quote request with us online!