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Long Term Care

Protect Yourself Against a 70% Healthcare Probability

“Concerned about protecting your assets and care from the rising costs of long term care!”


Why risk being uninsured for long term care?




If you want to prepare for your retirement and the potential ballooning costs of Long Term Care, it’s time to consider enrolling into Long Term Care insurance.

Reasons to Buy Long Term Care Insurance

  • Long Term Care Insurance can preserve your retirement savings
  • Provides the professional care you need
  • Maintain your independence so you won’t have to rely on family members
  • Preserve your children’s inheritance
  • Provides more options than just nursing home care, it will provide in home care and assisted living facilities as well
  • Preserves your standard of living

The odds of needing nursing home care are a lot higher than losing your house to fire or totaling your car. We don’t think of being without car insurance or homeowners insurance. So why don’t more people get the insurance? Well that’s not too hard to figure out: Who wants to think about old age or nursing homes? People think that Medicare covers the cost of a nursing home or the state of New Jersey will pay for my care if needed. Wrong on the first count, and you have to be destitute on the second count.

Sullivan Financial Group offers the lowest premium payments from highly rated leading carriers. While we may offer affordable plans, your benefit coverage’s will not be compromised. We strive to preserve the quality of our insurance services while also meeting your budget limits.

Sullivan Financial Group is highly recommended by clients as an insurance and financial services provider. We are Certified in Long Term Care and can provide you the knowledge, understanding, choice that works best for you and your family. We provide affordable premium payments for insurance plans enrolled into by clients in New Jersey. With our office strategically located in Bergen County, we look forward to the opportunity of helping you find a suitable insurance plan. You can call us at 201-497-3334 or send us a message online.

Helpful Links

  • Is saving for retirement causing you to lose sleep? Ask how we can help! Find out more »
  • Are you saving enough for your child’s college education? Ask how we can help! Find out more »
  • Ask us how we can help with your 401(k) rollover. Find out more »

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because Medicare and most private health insurance pays only for skilled care–not custodial care.

Senior & Retirement Solutions

IRA Rollover
Final Expense Life Insurance
Medicare Supplement
Social Security