Do I really need a Long Term-Care Insurance Policy? (No, but you might need Long Term-Care!)
AUTO • HOME • LIFE • DISABILITY COMMERCIAL LONG TERM CARE • HEALTH INSURANCE PROUD TO BE A STONEBRIDGE RESIDENT NOT ONLYA GREAT INSURANCE AGENT, BUTA GREAT NEIGHBOR, TOO!
Years ago before Medicare and Long Term-Care Insurance were popular; in the 1950’s when my grandparents needed care, there were two choices, go into a nursing home or stay at home. My parents visit- ed several nursing homes in the area and much to their dismay, returned with this, “We cannot put our parents in that place… it smelled of death and dismay.” Therefore, they opted for care at home
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with a licensed home care company that had the people on their staff that could take care of my grandparents and let us monitor that care. It all seemed to go well. They lived in their home for a few years at a cost for care 1/10 that for a nursing home. The inherent advantages were they knew their own house, they knew where the bath- rooms were and they could eat in their own dining room and have visitors all day and night. It’s too bad that this was the only alternative then. Today there are a few companies in New Jersey that offer several methods for pro- tecting us as we get older. Traditional Long Term-Care, Life Insurance or Annuities both with Long Term-Care riders. We are here to explain them all as a service to the community and provide you with a general cost with no obligation. Here are a few basic items to be considered when discussing a Long Term-Care In- surance program for you and your Significant Other (S.O.): The average time spent in a Nursing home is about 3.1 years per person at a cost of about $90,000 per year or $270,000 over time. It’s true that some people who go in, get out in a few months but on the other hand, some are there for over 10 years. Those costs can add up! You can have the monies you invest in your policy increase between 5% compound interest of just 1% simple interest. (Depending on the insurance carrier). You can have 1 policy for you and 1 for your S.O. or have 1 “DUAL” program for both. You can share all the features doubling your benefits or keep them for yourself. The pro- gram can be for 2 years to a lifetime, it your choice. That’s just a few basics. If it starts getting a bit too confusing, we are here to simply explain ALL the features of each “Option” so you are not confused. Take your time. We have educated several hundred New Jersey residence over the past 20 years who feel confident to refer us to their relatives, co-workers and neighbors. We hope you will give us a call. Go to our web site at www.NewJerseyInsurance- Group.com and review some of the additional pages then contact us at: 732.241.0800 to have us answer your questions or schedule an appointment in your home of office. BTW the policy is a TAX DEDUCTION! PAUL ONISH Licensed Long Term-Care Insurance Specialist • 1019960 CAN YOU AFFORD TO GO INTO A NURSING HOME IF YOU NEED TO? • 65% of the people over the age of 70 will need some type of care as they age. • Because we are living longer the chances of needing care are greater than our parents. • If you planed a head today, you would be protected tomorrow! • Long Term-Care is not only for the Rich! • The average stay in a nursing home is 3.1 years at the average rate of $9,000 per month. • Can you afford that? A simple PLAN could be pennies on the dollar. • Let us help you plan for your future. That is what we have been doing for over 20 years here. Medicare Supplemental Insurance for almost half of the leading name brand product. Look at our web site: www.TheNewJerseyInsuranceGroup.com for information. Then call us at 732.241.0800 to schedule a free discussion in your office or home. It won’t cost you a thing, except milk and cookies.
WWW.ELTINGINSURANCE.COM 732-780-2400 SERVING YOUR COMMUNITY SINCE 1992 Did Your Insurance Policy Cover Everything You Were Told It Did? Was Your Last Insurance Claim Handled Properly?
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Mickey Elting 2016 • 2017
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