The top-rated long-term care insurance agent in Clifton, New Jersey is Bill G Eljouzi - State Farm Insurance Agent, rated 4.9 stars across 425 reviews. Other highly rated options include NJH Insurance Agency, Sadowski Insurance Agency, A Plus Insurance Agency. This directory lists 23 long-term care insurance agents serving Clifton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bill G Eljouzi - State Farm Insurance Agent | 178 Lakeview Ave | (973) 478-9500 |
| 2 | NJH Insurance Agency | 600 Getty Ave Suite 119 | (973) 832-0933 |
| 3 | Sadowski Insurance Agency | 258 Dayton Ave | (973) 580-3992 |
| 4 | A Plus Insurance Agency | 414 Clifton Ave LOWER LEVEL | (973) 928-2528 |
| 5 | Angels Care Community Advisors | 1038 Main Ave | (973) 928-6171 |
| 6 | Arceri Insurance Agency | 284 Lakeview Ave | (973) 753-6828 |
| 7 | Jaymar Insurance Agency | 99 1st St | (973) 894-1333 |
| 8 | Timothy K Brown: Allstate Insurance | 1051 Bloomfield Ave | (973) 928-1434 |
| 9 | Thomas Tobin - State Farm Insurance Agent | 1033 Clifton Ave STE 208 | (973) 779-4248 |
| 10 | RS Insurance Services | 429 Clifton Ave | (201) 244-4771 |
Bill G Eljouzi - State Farm Insurance Agent serves the Clifton, New Jersey area as a long-term care insurance agent. This local agency helps individuals plan for future care needs by offering financial protection policies. For those concerned about covering the costs of assisted living, nursing homes, or in-home support, the agent assists in selecting appropriate policy options. The agency handles long-term care insurance coverage that helps protect retirement savings from medical expenses. It presents disability income insurance options for clients seeking to secure future care coverage.
NJH Insurance Agency in Clifton, NJ provides a range of long-term care insurance solutions, including policy selection guidance and application assistance for clients planning for future care needs. It offers ongoing policy review and maintenance services to ensure coverage remains aligned with changing health circumstances and financial goals. The agency serves individuals and families, including those residing in single-family homes, apartments, retail locations, and restaurants throughout the local area.
Serving families and individuals in Clifton, New Jersey, Sadowski Insurance Agency provides long-term care insurance guidance and plan placement. This agent helps local clients understand the financial protection needed for nursing home, assisted living, and in-home care expenses. They focus on explaining policy options and benefit structures to meet varying needs. The agency requires no minimum production commitment from clients and provides straightforward comparisons of available plans. It also covers neighboring communities throughout Passaic County and the broader North Jersey metropolitan area.
A Plus Insurance Agency serves Clifton, New Jersey, and the surrounding communities. It handles long-term care insurance, helping clients plan for future needs such as home care or assisted living. This agency assists individuals in evaluating policies that protect assets against the high costs of extended care. To handle a typical job, it reviews a client's financial situation and health profile, then presents options from multiple carriers to find suitable coverage that fits the client's specific needs.
Angels Care Community Advisors specializes in helping clients navigate long-term care insurance options tailored to individual needs. Based in Clifton, New Jersey, the company works with older adults and families to evaluate policy choices that can help cover the costs of home care, assisted living, or nursing facility stays. It also provides general guidance on how these plans coordinate with Medicare and personal savings. As many New Jersey residents review their coverage before open enrollment periods, the company can assist with plan adjustments.
Arceri Insurance Agency provides financial planning guidance with a focus on long-term care insurance. Serving clients throughout the Clifton, New Jersey area, the agency helps individuals and families prepare for the potential costs of extended care needs. It advises on policies that cover nursing home stays, assisted living facilities, and in-home care. The agency works with a range of local commercial sectors, including offices, warehouses, and food service operations, to offer employee benefit options alongside individual coverage.
In the long-term care insurance market, a one-time policy purchase secures a daily or monthly benefit amount for future care, while recurring options allow adjustments to coverage as health needs evolve. Jaymar Insurance Agency in Clifton, NJ, helps clients navigate these choices to protect assets from nursing home or home care costs. Their service operates primarily on a one-time and as-needed basis, with policy reviews offered upon client request.
As local families plan for future care needs in Clifton, this agency assists clients in understanding long-term care insurance options. Timothy K Brown: Allstate Insurance provides guidance on policies that can help cover home health aides or nursing facility expenses. Their agents explore coverage strategies suited to individual budgets and retirement goals. They also address how these plans coordinate with Medicare and other benefits. An initial assessment of current assets and potential care costs begins the process.
Thomas Tobin - State Farm Insurance Agent in Clifton, NJ, provides long-term care insurance coverage to residential clients seeking financial protection for future care needs. The agency also offers business-related policies for local employers. Service extends throughout the greater Clifton area, including nearby communities. The agent works closely with policyholders to understand their specific health and financial situations, tailoring coverage to individual requirements. Following the initial policy setup, clients can contact the office for adjustments or claims assistance between periodic annual reviews of their coverage.
RS Insurance Services in Clifton, NJ is known for helping individuals secure long-term care insurance coverage to protect assets and avoid burdening family members. The company guides clients through evaluating policy options for nursing home, assisted living, and home health care needs in the region. This local agency explains policy features, benefit periods, and inflation protection to match each client’s personal financial situation. It also specializes in offering added provisions for adult day care services as a rider option.
What Does a a Long-Term Care Insurance Agent in Clifton Cost?
Long-term care insurance premiums in New Jersey vary by age, health, and coverage level. For a 55 year old, a policy with a $165 daily benefit and 3 year term may cost between $1,500 and $3,000 per year. Costs can be higher for older applicants or richer benefits. This is general information, not insurance advice.
About long-term care insurance agents in Clifton
A long-term care insurance agent in Clifton, New Jersey can help you find a policy that covers home care, assisted living, or nursing home costs. New Jersey offers the Partnership for Long-Term Care program, which allows policyholders to protect a portion of their assets if they need Medicaid. Working with a local agent ensures you understand state rules and coverage options.
Frequently Asked Questions
What does a long-term care insurance agent in Clifton do?
An agent helps you compare policies from different insurers and explains coverage details. They can also tell you about New Jersey specific programs like the Partnership for Long-Term Care. The agent does not provide legal advice but can guide you on policy features.
How does New Jersey Partnership for Long-Term Care work?
This program lets you keep a certain amount of assets if you later need Medicaid. The amount you keep equals the benefits your policy paid out. A Clifton agent can explain if a Partnership policy is right for you.
Are long-term care insurance premiums tax deductible in New Jersey?
New Jersey allows a deduction on your state income tax for qualified long-term care insurance premiums. The deduction amount depends on your age and policy type. Ask your agent for details on current tax rules.
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