What is the Age Limit for Buying Long-Term Care Insurance?

Q: What is the age limit for buying long-term care insurance?

A: Generally, insurance companies do not sell long-term care policies to individuals over the age of 84.

As people age, the cost of these policies increases significantly due to health issues and other factors.

For example, if you could find a company willing to sell a policy to your elderly parent at this age, the premium would be prohibitively expensive. In contrast, premiums are more reasonable for younger seniors, and they are likely to benefit more from the policy when they need it.

For more information on how AmoryCare can assist with Long-Term Care Insurance, please contact us:

Phone: 908-854-3220Fax: 908-854-3221Email: info@amorycare.com

Service Areas:

Union County, NJ:

• Berkeley Heights, Summit, Linden, Scotch Plains, Westfield, Murray Hill, Plainfield, Mountainside, Garwood, Clark, New Providence, Elizabeth, Roselle Park, Winfield, Kenilworth, Vauxhall, Cranford, Springfield, Union, Fanwood, Rahway.

Morris County, NJ:

• Bernardsville, Boonton, Brookside, Budd Lake, Butler, Califon, Cedar Knolls, Chatham, Chester, Denville, Dover, East Hanover, Far Hills, Flanders, Florham Park, Gillette, Greenvillage, Hibernia, Ironia, Kenvil, Lake Hopatcong, Landing, Ledgewood, Lincoln Park, Long Valley, Madison, Mendham, Millington, Montville, Morris Plains, Morristown, Mt. Arlington, Mt. Freedom, Mt. Tabor, Mountain Lakes, Netcong, New Vernon, Newfoundland, Oak Ridge, Parsippany, Pequannock, Picatinny Arsenal, Pine Brook, Pompton Plains, Port Murray, Randolph, Riverdale, Rockaway, Schooley’s Mountain, Stirling, Succasunna, Towaco, Wharton, Whippany.

Essex County, NJ:

• Livingston, Roseland, Essex Fells, West Orange, South Orange, Short Hills, Millburn, Maplewood, Montclair, Verona, Cedar Grove, Glen Ridge, Bloomfield, Belleville, Nutley, West Caldwell, Fairfield, Irvington, Newark, East Orange.

Bergen County, NJ:

• Allendale, Alpine, Bergenfield, Bogota, Carlstadt, Cliffside Park, Closter, Cresskill, Demarest, Dumont, East Rutherford, Edgewater, Elmwood Park, Emerson, Englewood, Englewood Cliffs, Fair Lawn, Fairview, Fort Lee, Franklin Lakes, Garfield, Glen Rock, Hackensack (county seat), Harrington Park, Hasbrouck Heights, Haworth, Hillsdale, Ho-Ho-Kus, Leonia, Little Ferry, Lodi, Lyndhurst, Mahwah, Maywood, Midland Park, Montvale, Moonachie, New Milford, North Arlington, Northvale, Norwood, Oakland, Old Tappan, Oradell, Palisades Park, Paramus, Park Ridge, Ramsey, Ridgefield, Ridgefield Park, Ridgewood, River Edge, River Vale, Rochelle Park, Rockleigh, Rutherford, Saddle Brook, Saddle River, South Hackensack, Teaneck, Tenafly, Teterboro, Upper Saddle River, Waldwick, Wallington, Washington Township, Westwood, Wood-Ridge, Woodcliff Lake, and Wyckoff.

Passaic County, NJ:

• Bloomingdale, Clifton, Haledon, Hawthorne, Little Falls, North Haledon, Passaic, Paterson, Pompton Lakes, Prospect Park, Ringwood, Totowa, Wanaque, Wayne, West Milford, Woodland Park.