New Jersey Long Term Care Insurance
Questions & Costs
Long Term Care Insurance companies would like to know how young and health you are.
That said here are a few items they look for in their standard questionnaire
  • What is your Age?
  • What is your Gender?
  • Are you Married or Single?
  • Are you living alone or with anyone?
  • Have you had any major surgery?
  • Have you had any diseases? (If so which ones)
Your Insurability Profile
  1. 1Do you currently have, or have you ever had a diagnosis for: Alzheimer Disease, Huntington, Chorea, Multiple Sclerosis, Schizophrenia, Amyotrophic, Lateral Sclerosis, Memory Loss, Muscular Dystrophy, Scleroderma, Cystic Fibrosis, Mental Retardation, Myasthenia Gravis, Spinal Cord Injury, Dementia Multiple, Myeloma, Parkinson Disease and/or Stroke/CVA.
  2. 2Do you currently require human assistance or supervision in any of the following activities? Eating, dressing, toileting, transferring from bed to chair, walking, maintaining continence and/or bathing
  3. 3Do you currently reside in, have you been advised to enter, or are you planning to enter a nursing home, assisted care living facility or other custodial facility, or are you currently receiving home healthcare services or attending adult day care?
  4. 4Do you currently use one of the following medical devices? Wheelchair, walker, hospital bed, quad cane, oxygen, stair-lift or dialysis.
  5. 5Have you been diagnosed or treated by a member of the medical profession for AIDS (Acquired Immune Deficiency Syndrome) or AIDS Related Complex?

If you answered NO to these questions there is a good chance that the underwriters at the major insurance companies will offer you a Long-Term Care policy.

LTC policies are uniquely tailored for each client.

It makes more sense to purchase LTCi the younger you are.