The top-rated long-term care insurance agent in Fair Lawn, New Jersey is ABA Insurance Agency, rated 4.8 stars across 229 reviews. Other highly rated options include Fernando Frias - State Farm Insurance Agent, Fawaz Ghannam - State Farm Insurance Agent, Suburban General Insurance Agency. This directory lists 11 long-term care insurance agents serving Fair Lawn.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | ABA Insurance Agency | 16-00 NJ-208 Suite 103 | — |
| 2 | Fernando Frias - State Farm Insurance Agent | 34-12 Broadway | (201) 254-3539 |
| 3 | Fawaz Ghannam - State Farm Insurance Agent | 12-45 River Rd #2 | (201) 791-6200 |
| 4 | Suburban General Insurance Agency | 21-00 NJ-208 Suite 105 | (201) 225-9099 |
| 5 | Praneet Singh: Allstate Insurance | 17-10 River Rd | (201) 791-3330 |
| 6 | Suburban Insurance | 6-16 Saddle River Rd | (201) 796-1881 |
| 7 | Primetime Insurance | 35 River Rd | (551) 365-1806 |
| 8 | Kobrin Agency Inc | 26-02 Broadway | — |
| 9 | ASAP Insurance Agency LLC | 13-33A River Rd | (201) 773-6669 |
| 10 | United Assurance | 16-00 Pollitt Dr | (201) 797-6600 |
What Does a a Long-Term Care Insurance Agent in Fair Lawn Cost?
The cost of long-term care insurance in New Jersey varies by age, health, and coverage level. For a 55-year-old, a typical policy with a $165 daily benefit and 3-year benefit period may cost between $1,500 and $3,000 per year. Premiums for a 65-year-old can range from $2,500 to $5,000 annually. These are estimates only; actual costs depend on individual factors. This is general information, not insurance advice.
About long-term care insurance agents in Fair Lawn
Long-term care insurance agents in Fair Lawn, New Jersey help residents plan for future care needs, including nursing home, assisted living, and home care services. New Jersey offers a state Partnership Program that allows policyholders to protect a portion of their assets equal to the benefits paid by the policy. Agents can guide you through the application process and explain how federal and state tax deductions may apply to your premiums.
Frequently Asked Questions
What does a long-term care insurance agent in Fair Lawn do?
A long-term care insurance agent helps you compare policies from multiple carriers, explains benefit options, and assists with the application and underwriting process. They also advise on how to meet New Jersey Partnership Program requirements to qualify for asset protection.
Is long-term care insurance tax deductible in New Jersey?
Yes, long-term care insurance premiums may be deductible on your federal income tax as a medical expense, subject to age-based limits set by the IRS. New Jersey also allows a state income tax deduction for qualified long-term care insurance premiums, up to certain limits.
What is the New Jersey Long-Term Care Partnership Program?
The New Jersey Long-Term Care Partnership Program is a state initiative that lets you keep assets equal to the amount your policy pays in benefits, even if you later need Medicaid. To qualify, you must buy a certified Partnership policy from a licensed agent and meet specific coverage requirements.
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