The top-rated long-term care insurance agent in East Northport, New York is Gerald Cawley - State Farm Insurance Agent, rated 4.8 stars across 117 reviews. Other highly rated options include Cathi Phillips - State Farm Insurance Agent, John Daniggelis: Allstate Insurance, Culhane & King Insurance. This directory lists 10 long-term care insurance agents serving East Northport.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Gerald Cawley - State Farm Insurance Agent | 3034 Jericho Tpke | (631) 462-1717 |
| 2 | Cathi Phillips - State Farm Insurance Agent | 86 Larkfield Rd E | (631) 261-5377 |
| 3 | John Daniggelis: Allstate Insurance | 1969 Jericho Tpke | (631) 499-8200 |
| 4 | Culhane & King Insurance | 360 Larkfield Rd | (631) 368-2110 |
| 5 | Friendly Insurance Inc | 577 Larkfield Rd | (315) 203-8893 |
| 6 | DeNapoli Associates Inc- Nationwide Insurance | 272 B Larkfield Rd | (631) 368-1622 |
| 7 | Peter F. Finck: Allstate Insurance | 1969 Jericho Tpke | (631) 499-8200 |
| 8 | Farmers Insurance - Joseph Rouzier | 120 Laurel Rd d | (631) 759-3703 |
| 9 | State Farm Insurance | 3034 Jericho Tpke | (631) 462-1717 |
| 10 | Kron Associates | Insurance Agency | 2083 Jericho Tpke | (631) 462-9040 |
Gerald Cawley - State Farm Insurance Agent serves East Northport, New York, and the surrounding areas of Suffolk County. This agency provides personalized consultation and financial protection solutions focused on long-term care insurance. Local residents can meet with the agent to develop a strategy that addresses the costs of extended nursing home or home health aide support. The agency handles long-term care policy selection for individual clients and can assist with coordinating coverage through State Farm’s available plans.
Cathi Phillips - State Farm Insurance Agent in East Northport, NY, provides a range of long-term care insurance services, including policy consultations and coverage options tailored to clients’ future needs. The agency assists with plan reviews and updates to help maintain appropriate protection as circumstances change. Services focus on helping individuals plan for potential extended care costs, whether at home or in a facility. The agent supports a variety of property types, including single-family homes, apartments, retail locations, and restaurants.
Homeowners and business owners in East Northport, NY, turn to John Daniggelis: Allstate Insurance for guidance on long-term care insurance coverage. These policies help families manage the costs of extended nursing home stays, assisted living, or in-home care services. The agency assists clients in understanding benefit triggers and policy options that fit their long-term financial planning needs. Coverage decisions are based on individual health circumstances and future care preferences. The agency also provides these long-term care insurance services to residents throughout neighboring Huntington and the surrounding Suffolk County communities.
Serving East Northport, NY, and the surrounding Long Island communities, Culhane & King Insurance handles long-term care insurance for clients planning for future health needs. The company assists individuals in evaluating policies that cover nursing home care, assisted living, and home-based services. By assessing each client's financial situation and potential risks, it helps compare benefit periods and coverage options. A typical engagement begins with a consultation to gather personal goals, followed by a focused review of available plans to match the client’s needs.
Unlike one-time legal or financial consultations, long-term care insurance agents provide ongoing policy review and claims support as needs evolve. Friendly Insurance Inc in East Northport, NY helps individuals evaluate coverage options for home care, assisted living, and nursing facility expenses that Medicare typically does not cover. These agents analyze policy features, inflation protection riders, and elimination periods to match long-term strategies. Service runs on an as-needed basis, with clients scheduling reviews after major life changes or when initiating benefit claims.
DeNapoli Associates Inc- Nationwide Insurance specializes in arranging long-term care insurance policies for residents of East Northport and the surrounding area. As an insurance agent, it helps individuals assess their future care needs and plan for potential expenses associated with assisted living or home health services. The company provides guidance on policy terms, coverage options, and the application process. Particularly as individuals approach retirement age or face a recent family health concern, it assists clients in securing coverage before health changes make it difficult to obtain.
Peter F. Finck: Allstate Insurance works to help local residents prepare for potential future needs related to extended care. This East Northport, New York office specializes in long-term care insurance coverage, which supplements existing health plans for chronic or disabling conditions. Such policies often facilitate care at home, in assisted living, or in nursing facilities. The agency serves the diverse needs of its community, from young families planning ahead to retirees safeguarding assets. Its services can accommodate a variety of professional operations, including offices, warehouses, and food service businesses.
As East Northport residents plan for the increasing costs of extended care in their later years, Farmers Insurance - Joseph Rouzier provides guidance on long-term care insurance policies that help protect savings from those potential expenses. The agency works with individuals to review coverage options addressing local assisted living and home-care service needs. Joseph focuses on explaining policy terms clearly so clients understand what future benefits are available. An initial consultation is scheduled to assess personal health factors and financial goals.
Serving residents of East Northport, this agency assists clients with long-term care insurance for residential needs while also addressing commercial coverage opportunities in the surrounding area. An agent can help individuals plan for future care costs, providing locally focused guidance for policies that cover extended stays in nursing homes or assisted living facilities. Clients often return for periodic policy reviews or coverage adjustments between regular home or business visits, ensuring ongoing protection remains relevant.
Kron Associates | Insurance Agency, located in East Northport, NY, is known as a long-term care insurance agent that assists individuals in planning for future care needs. The company helps clients navigate policy options that cover home care, assisted living, and nursing facility expenses. Work in this area often involves evaluating coverage for inflation protection and benefit triggers. As a specialty service, the agency can focus on pairing long-term care policies with hybrid life insurance products.
What Does a a Long-Term Care Insurance Agent in East Northport Cost?
Typical annual premiums for a long-term care insurance policy in New York range from $1,500 to $4,000 for a 55-year-old, depending on coverage levels. A 65-year-old may pay $2,500 to $6,000 per year. Costs vary by health status, benefit period, and optional riders. This is general information, not insurance advice.
About long-term care insurance agents in East Northport
Long-term care insurance agents in East Northport, New York help residents plan for future care costs such as nursing homes, home health aides, and assisted living. New York State offers the Partnership for Long-Term Care program, which allows policyholders to protect a portion of their assets equal to the benefits paid. An agent can explain how this program works and help you compare policies from different carriers.
Frequently Asked Questions
What does a long-term care insurance agent in East Northport do?
An agent helps you understand policy options, compare coverage from multiple insurers, and apply for a plan that fits your budget and health needs. They also explain New York-specific rules like the Partnership program and tax incentives.
Is long-term care insurance required in New York?
No, long-term care insurance is not required by law in New York. However, it can protect your savings from high care costs. New York offers a 20% tax credit on qualified long-term care premiums for eligible residents.
What factors affect the cost of long-term care insurance in East Northport?
Costs depend on your age, health, benefit amount, and policy features like inflation protection. In New York, premiums are regulated and cannot be raised on an individual basis without state approval.
Long-Term Care Insurance Agents in Other New York Cities
Albany · Amherst · Babylon · Bay Shore · Bethpage · Binghamton · Bronx · Brooklyn · Buffalo · Cicero · Clarence · Clifton Park · Commack · Deer Park · East Meadow