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long term care insurance

How Much Long Term Care Coverage Do I Need?

A common question we are asked by clients looking for Long-Term Care Insurance is how much coverage do I need? Well, that depends on multiple factors, including your budget, where you live, and the level of care you anticipate you’ll need.

Consider the following:

  • The cost of LTC in your planned retirement area
  • Whether you need the plan to cover the full costs of your LTC, or are you able to pay for a percentage from your retirement income and/or current assets
  • If debilitating, long-term illnesses such as dementia often occur in your family
  • The number of your family members that required LTC
  • Which of your assets you want to be able to pass down to your family members, spouse, partner, or heirs
  • Whether your family members will be able to provide for some/all of your LTC needs

Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.

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2024