The top-rated long-term care insurance agent in Lindenhurst, New York is Luis Hernandez - State Farm Insurance Agent, rated 5.0 stars across 233 reviews. Other highly rated options include First Choice Insurance, Thomas J. Sant: Allstate Insurance, The Retirement Center. This directory lists 13 long-term care insurance agents serving Lindenhurst.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Luis Hernandez - State Farm Insurance Agent | 186 S 1st St Ste C | (631) 956-4003 |
| 2 | First Choice Insurance | 646 Wellwood Ave | (631) 422-6650 |
| 3 | Thomas J. Sant: Allstate Insurance | 7 W Hoffman Ave | (631) 957-4800 |
| 4 | The Retirement Center | 125A S Wellwood Ave | (631) 987-7555 |
| 5 | Plus Insurance Service NY | 271-279 S Wellwood Ave | (631) 572-3818 |
| 6 | Nationwide Insurance: Stephen Patrick Cali | 173 S Wellwood Ave | (631) 592-1250 |
| 7 | Young Insurance NY | 196 S 1st St | (631) 318-0965 |
| 8 | Tom Falletta: Allstate Insurance | 53 W Montauk Hwy | (631) 225-4100 |
| 9 | HF Wrieth Insurance | 368 S Wellwood Ave | (631) 226-2264 |
| 10 | LoBue & Son Agency | 197 S Wellwood Ave | (631) 957-5282 |
Luis Hernandez - State Farm Insurance Agent serves the Lindenhurst, New York area and the greater Suffolk County region. The agency provides assistance with long-term care insurance, helping individuals plan for future needs related to extended medical or personal care. The agent works with clients to review policy options that can help cover costs not typically included in standard health plans or Medicare. Specific services handled include nursing home coverage and in-home care insurance arrangements.
First Choice Insurance provides long-term care insurance agent services to clients in Lindenhurst, New York. It assists individuals in exploring policies that cover extended care needs, helping them understand coverage options and plan for future healthcare expenses. The company offers support in selecting appropriate plans and can help with the ongoing maintenance of existing policies, including reviewing benefits and addressing changes in coverage. Its services are available to those living in single-family homes, apartments, retail properties, and restaurants throughout the local area.
Thomas J. Sant: Allstate Insurance serves homeowners, families, and individuals in the Lindenhurst, NY area who require financial protection for future care needs. This long-term care insurance agent assists clients in planning for potential extended medical or personal care expenses, helping them safeguard assets while maintaining independence. The agency evaluates individual situations to recommend suitable policy options that address the rising costs of nursing homes, assisted living, or in-home care services. Coverage extends to surrounding communities throughout Suffolk County, including Babylon and Massapequa.
The Retirement Center serves clients in Lindenhurst, New York, and the surrounding long-term care insurance agent communities. The company handles the evaluation and placement of coverage policies designed to protect assets from the high costs of extended personal care. This includes explaining the differences between traditional and hybrid policy options. To handle a typical job, the agency first conducts a thorough review of a client’s financial situation and family health history before recommending specific policy features and benefit amounts.
Plus Insurance Service NY specializes in long-term care insurance coverage, offering policies that help protect assets and manage the high costs of extended medical or personal care. It serves clients throughout the Lindenhurst, NY area, assisting with plan comparisons and policy applications to address future care needs. The agency helps seniors plan for the financial impact of chronic illness or disability. As winter approaches, it often guides families through coverage options for home-based care following a hospitalization.
For long‑term care insurance, some policies reimburse a set daily amount only after care is incurred, while others provide a cash benefit regardless of actual expenses incurred. Nationwide Insurance: Stephen Patrick Cali, based in Lindenhurst, NY, assists clients in evaluating these recurring payment structures alongside coverage options including facility‑based and home‑care benefits. The agent explains policy features such as waiting periods, benefit periods, and inflation protection. Their long‑term care insurance advisory service is available either as a one‑time policy review or on an as‑needed basis.
As Long Islanders face the heightened financial risks of extended healthcare needs in later years, Young Insurance NY in Lindenhurst provides long-term care insurance guidance to local families. This agency helps clients navigate policies designed to cover nursing homes, home health aides, and assisted living expenses, ensuring assets are protected. Each prospective policy review begins by scheduling an initial personal assessment of current health and long-term goals.
Tom Falletta: Allstate Insurance assists individuals and businesses with preparing for future care needs through long-term care insurance. Based in Lindenhurst, this agency helps clients understand their options for managing the potential costs of extended health care. The company serves both personal households and commercial sectors, including local offices, warehouses, and food service operations, ensuring that a variety of working environments can access appropriate coverage for their specific circumstances.
HF Wrieth Insurance, based in Lindenhurst, NY, is known for guiding individuals through the complexities of long-term care planning. The agency serves clients in and around the Nassau County area, helping them select policies that cover nursing home stays, assisted living, and home health aides. Their work focuses on evaluating each client’s health timeline and financial capacity to ensure adequate coverage for future care needs. A specialty service they can add on is helping local residents compare inflation protection riders for their policies.
What Does a a Long-Term Care Insurance Agent in Lindenhurst Cost?
Typical annual premiums for a 55-year-old in New York range from 1,500 to 3,500 dollars for a policy with a 150 dollar daily benefit and a 3-year benefit period. Costs increase with age and richer benefits. A 65-year-old might pay 2,500 to 5,500 dollars per year for similar coverage. This is general information and not insurance advice.
About long-term care insurance agents in Lindenhurst
Long-term care insurance agents in Lindenhurst, New York help residents plan for future care needs such as nursing home or home health aide services. New York offers a Partnership for Long-Term Care program that allows policyholders to protect some assets if they later need Medicaid. A local agent can explain these options and help you compare policies from different carriers.
Frequently Asked Questions
What does a long-term care insurance agent in Lindenhurst do?
An agent helps you understand and compare long-term care insurance policies from multiple companies. They explain coverage details, benefit amounts, and elimination periods. They also can discuss New York-specific programs like the Partnership plan.
How does the New York Partnership for Long-Term Care work?
This program lets you keep a portion of your assets equal to the benefits paid by your policy if you later apply for Medicaid. It is a state-approved way to combine private insurance with Medicaid planning. An agent can show you which policies qualify as partnership plans.
What factors affect the cost of long-term care insurance in New York?
Costs depend on your age, health, benefit amount, benefit period, and inflation protection. New York also has a 30-day free look period where you can cancel a policy for a full refund. Premiums can vary significantly between carriers for similar coverage.
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