The top-rated long-term care insurance agent in Paterson, New Jersey is Frantz Gaston Jr - State Farm Insurance Agent, rated 4.9 stars across 2,852 reviews. Other highly rated options include Exclusive Insurance Brkg, Veronica's Insurance Agency, Freeway Insurance. This directory lists 19 long-term care insurance agents serving Paterson.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Frantz Gaston Jr - State Farm Insurance Agent | 750 Broadway D | (973) 782-4343 |
| 2 | Exclusive Insurance Brkg | 271 Union Ave | (973) 341-6810 |
| 3 | Veronica's Insurance Agency | 693 Market St | (973) 333-3493 |
| 4 | Freeway Insurance | 758 Main St | (973) 662-7002 |
| 5 | Rayne Health Advisors | 337 Straight St | (201) 563-5729 |
| 6 | Carmen's Insurance Agency | 553 Main St | (973) 279-0270 |
| 7 | Adamas Insurance Brokerage | 125 Broadway #102 | (973) 358-0013 |
| 8 | Amana Insurance Agency | 1029 Main St | (973) 955-4100 |
| 9 | Olmen Insurance Agency | 494 21st Ave | (973) 279-4364 |
| 10 | Goosehead Insurance - Haya Matari | 1113 Main St | (862) 214-2585 |
Frantz Gaston Jr - State Farm Insurance Agent serves the Paterson, New Jersey area as a local long-term care insurance agent. This agency offers policies designed to help cover the costs of care for chronic illnesses or disabilities. Long-term care insurance assists with services such as in-home care and assisted living facility stays. For complete protection planning in Paterson, the agent provides detailed policy reviews and personalized guidance on coverage options.
Exclusive Insurance Brkg in Paterson, NJ assists clients in evaluating and selecting long-term care insurance policies that help cover the costs of assisted living, nursing home care, and in-home support services. It offers ongoing policy management and claim assistance to ensure coverage remains aligned with changing health needs. The agency services single-family homes, apartments, retail establishments, and restaurants.
Serving individuals and families in Paterson, this agency focuses on helping clients plan for potential long-term care needs. Veronica's Insurance Agency provides guidance on policies that cover assisted living, nursing home stays, and in-home care. The agent works to explain coverage options, assisting customers in selecting plans that may protect their assets while addressing future health scenarios. By reviewing personal goals and financial situations, the agency tailors recommendations to each client. The practice also extends its services to nearby communities within Passaic County and the greater northern New Jersey area.
Freeway Insurance serves the Paterson, New Jersey area as a Long-Term Care Insurance Agent. The company assists individuals and families in planning for potential future health and custodial care expenses. Such coverage helps protect savings when aging or illness create extended care needs. A local agent explains policy benefits, including daily benefit amounts and coverage duration. This particular agency handles long-term care policy comparisons and application assistance for residents seeking financial protection.
A long-term care insurance agent can help you select a policy for a single purchase or establish ongoing financial planning through scheduled reviews. Rayne Health Advisors in Paterson, NJ focuses on coverage that addresses potential future care needs for chronic illness or disability. Such advice may also coordinate with other financial resources to ensure comprehensive protection. Their service model is primarily structured on an as-needed basis, allowing clients to request consultations when evaluating new plans or reassessing existing coverage.
Serving clients in Paterson, New Jersey, and the surrounding communities of Passaic County, Carmen's Insurance Agency handles long-term care insurance policies designed to cover services like nursing home care and in-home assistance. These policies help protect personal assets by paying for extended care needs not covered by standard health insurance or Medicare. The agency works with individuals and families to evaluate potential future care risks. To handle a typical job, it begins by asking clients about their age, health history, and financial goals before presenting suitable plan options.
Adamas Insurance Brokerage specializes in long-term care insurance planning, offering policies designed to cover extended health needs. Based in Paterson, NJ, the agency guides clients through options for nursing home, in-home, or assisted living coverage, helping local families navigate complex policy terms. It provides general brokerage services for New Jersey residents to compare plans and assess financial implications for future care. This is particularly helpful for those preparing for the potential disruptions of winter months, when injuries or seasonal illnesses often heighten the immediate need for unforeseen long-term arrangements.
As many residents of Paterson plan for their later years, concerns about funding extended care often grow. Amana Insurance Agency helps local individuals navigate these financial choices, offering guidance on long-term care policies. The firm addresses client questions regarding benefit structures and premium costs to provide clearer solutions. Serving the Paterson area, this agency assists in creating coverage to protect assets from care expenses. An initial assessment to review specific needs and possible coverage options is arranged.
Olmen Insurance Agency offers comprehensive planning for individuals and families seeking financial protection against the high costs of extended care. Based in Paterson, New Jersey, the agency specializes exclusively in long-term care insurance, helping clients navigate policy options that cover home health aides, assisted living, and nursing home services. The agent provides clear guidance on benefit periods and daily coverage amounts tailored to local care costs. Commercial clients can also consult with this agency for coverage solutions designed to protect their businesses, including offices, warehouses, and food service establishments.
Goosehead Insurance - Haya Matari provides long-term care insurance services to residents in and around Paterson, New Jersey, helping clients plan for future medical and personal care needs. The agency also assists local businesses with related commercial insurance coverage options. Serving the greater NJ area, the agency focuses on protecting assets and ensuring access to care. Clients are encouraged to follow up after an initial appointment, with the agency offering ongoing support and policy reviews between regular scheduled visits to address any changes in circumstances.
What Does a a Long-Term Care Insurance Agent in Paterson Cost?
Typical costs for long-term care insurance in New Jersey vary widely by age, health, and coverage level. A 55 year old might pay between $1,500 and $3,000 per year for a policy with a $150 daily benefit and a 3 year benefit period. Premiums for a 65 year old can range from $2,500 to $5,000 annually. Costs are higher for comprehensive policies with inflation protection. This is general information, not insurance advice.
About long-term care insurance agents in Paterson
Long-term care insurance agents in Paterson, New Jersey assist residents in finding policies that cover nursing home care, home health aides, and assisted living. New Jersey offers a Long-Term Care Partnership Program that allows policyholders to protect assets while qualifying for Medicaid. Agents can explain how state regulations affect coverage and premiums.
Frequently Asked Questions
What does a long-term care insurance agent in Paterson do?
An agent helps you compare policies from different insurers and explains coverage options. They guide you through New Jersey specific rules, such as the Partnership Program and tax deductions for premiums. They do not provide legal advice but can refer you to an elder law attorney.
How does New Jersey Long-Term Care Partnership Program work?
This program lets you keep a portion of your assets equal to the benefits paid by your policy when you later apply for Medicaid. Policies must be state certified to qualify. An agent can confirm if a policy meets New Jersey Partnership requirements.
Are long-term care insurance premiums tax deductible in New Jersey?
Yes, New Jersey allows a state income tax deduction for qualified long-term care insurance premiums. The deduction amount depends on your age and follows federal guidelines. An agent can provide details on how this applies to your situation.
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