Long Term Care Insurance in New Jersey
Plan for the What-Ifs. Age with Dignity.
At BEW Financial Solutions, we help individuals and families across North Jersey prepare for the future with long term care insurance that protects your health, your independence, and your finances.
What Does Long Term Care Insurance Cover?
Long term care insurance helps cover the cost of daily assistance due to chronic illness, aging, or disability—support that Medicare and health insurance often don’t provide. Without coverage, these costs can quickly drain savings and add stress to your family.
Types of Long Term Care Insurance We Offer:
What Does Life Insurance Cover?
Life insurance is more than a payout—it’s a plan that ensures your family’s future stays on track, even if you’re no longer there to lead it. From mortgage protection to legacy planning, the right policy offers financial security and peace of mind.
Types of Life Insurance We Offer:
Term Life Insurance
Affordable, time-limited protection designed to cover your family during key years—like raising children or paying off your home.
Whole Life Insurance
Lifelong coverage that builds cash value over time. A great option for estate planning, final expense coverage, or long-term savings.
Universal Life Insurance
Flexible protection that combines lifelong coverage with adjustable premiums and a savings component.
Final Expense Insurance
A simple, affordable way to ensure funeral costs and other end-of-life expenses are covered—so your family isn’t left with unexpected bills.
Home Health Care
Coverage that pays for licensed caregivers who help with bathing, dressing, eating, and mobility—right in your own home.
Assisted Living
Helps cover the cost of long-term residential facilities that provide housing, support services, and medical monitoring.
Nursing Home Coverage
Protection for those needing 24/7 medical attention or ongoing skilled care due to chronic or severe conditions.
Memory Care Support
Designed for individuals with Alzheimer’s or dementia, this coverage includes specialized care environments and supervision.
Hybrid or Linked Policies
Flexible policies that combine long term care with life insurance or annuities—often with return-of-premium or death benefits.
Why North Jersey Families Choose BEW for Long Term Care Insurance
We Treat You Like Family
We take time to understand your goals and concerns—so you feel confident, not confused, about your care planning.
Independent, Not Tied to One Carrier
We work with multiple long term care insurance providers to offer plans that match your health, budget, and lifestyle.
Trusted Since 1996
With nearly 30 years serving North Jersey, we’ve helped generations of families prepare for the unexpected with clarity and care.
Local Knowledge, Lifelong Support
Based in Pompton Lakes and deeply rooted in North Jersey, we stay involved as your needs evolve—year after year.
What does long term care insurance cover?
It helps pay for services like in-home care, assisted living, and nursing homes when you can no longer perform daily tasks on your own. It’s ideal for those planning ahead for the realities of aging or chronic conditions.
Is long term care insurance the same as health insurance or Medicare?
No. Health insurance and Medicare typically don’t cover custodial care like help with bathing, dressing, or eating. Long term care insurance fills that gap—offering financial support when you need hands-on daily care.
Will I qualify for long term care insurance?
You must apply before you develop a debilitating condition. Most people qualify between their mid-50s and mid-60s. If you're already experiencing health issues, coverage may be denied or limited. Medicaid can help, but only after you’ve exhausted your savings. At BEW Financial Solutions, we guide you through your eligibility and help you choose a plan that matches your health, budget, and goals.
How much does long term care insurance cost in North Jersey?
Costs depend on your age, health, coverage amount, and the type of policy. We’ll walk you through pricing and tailor a plan that balances care and affordability.
Is long term care insurance worth it?
If you want to protect your independence, avoid burdening family, and preserve your assets, long term care insurance is a smart investment—especially when purchased early.
Let’s Create a Plan That Respects Your Future
You’ve worked hard to build your life—now it’s time to protect it. We’ll help you navigate long term care insurance with expert advice and human understanding.