LONG TERM CARE

People are living longer than ever, but 70% of those over age 65 will need long term care at some stage of their lives. Health insurance will not cover the cost, and Medicare and Medicaid may provide only limited coverage.

Understanding the Options

If you and/or your spouse are concerned that you will outlive your retirement nest egg  a long term care event will guarantee that you will. EBA Group can help you make a plan. We help seniors by providing unbiased information about long term care planning solutions and empowering them to make informed decisions.

Selecting the Right Coverage

Long term care insurance is coverage that you purchase because there is a strong likelihood you need some type of long term care as you age. It helps cover the costs of in-home care providers and support services need to help with Activities of Daily Living (ADL) and can also be used to fund home modifications like wheelchair ramps or adjustments to make rooms accessible. If you move to an assisted living facility or nursing home, your coverage goes toward those costs. Either way, you choose the amount of coverage that’s right for you and then apply that coverage amount to the cost of the care you need.

Activities of Daily Living

Long Term Care can be provided in:

  • Your home

  • An adult day care center

  • An assisted living facility

  • A nursing home

 

Services can include:

  • Personal Care

  • Homemaker Services

  • Skilled Nursing Care

  • Physical Therapy

We work with you to determine:

  • What combination of benefits is best for you and/or your spouse

  • Which insurance company offers the most value

  • Whether or not you are comfortable with the premium and able to continue paying it in retirement

 

Paying for long term care can be costly – which is why it’s important to start planning now for the future. Let EBA Group help you determine if long term care insurance is a viable option for you.

To explore the cost of long term care, click on the button below.

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Tel: 201-255-6239 

Fax: 844-773-9459

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442 Teaneck Road, Ridgefield Park, NJ 07660