The top-rated long-term care insurance agent in Harrison, New York is Marina Pietronuto: Allstate Insurance, rated 4.9 stars across 114 reviews. Other highly rated options include Robert Pietronuto: Allstate Insurance, Kalare Insurance, Sunshine Insurance of NY. This directory lists 14 long-term care insurance agents serving Harrison.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Marina Pietronuto: Allstate Insurance | 115 Halstead Ave | (914) 693-8181 |
| 2 | Robert Pietronuto: Allstate Insurance | 115 Halstead Ave | (914) 693-8181 |
| 3 | Kalare Insurance | 500 Mamaroneck Ave # 320 | (914) 292-4425 |
| 4 | Sunshine Insurance of NY | 234 Union Ave | (315) 239-0512 |
| 5 | Caitlin Stiene - Medicare Resource Group | 600 Mamaroneck Ave | (347) 518-2902 |
| 6 | Paul Bandriwsky Insurance | 600 Mamaroneck Ave # 400 | (914) 310-9864 |
| 7 | Alright Insurance CO | 9 Purdy St | (914) 901-3226 |
| 8 | Nationwide Insurance: Daniel Carpiniello | 1 Winfield Ave | (914) 698-6688 |
| 9 | Acrisure Harrison, NY (Keevily Spero Whitelaw Inc) | 500 Mamaroneck Ave | (800) 523-5516 |
| 10 | quinton Insurance | 600 Mamaroneck Ave # 400 | (800) 454-1970 |
Marina Pietronuto: Allstate Insurance serves the Harrison, NY area and surrounding Westchester County as a long-term care insurance agent. This office helps individuals and families plan for future care needs by presenting policy options that cover nursing homes, assisted living, and in-home care. Long-term care insurance can protect retirement assets and provide access to quality care when it is needed. Marina Pietronuto assists clients in understanding coverage choices, comparing benefit periods and daily benefit amounts, and selecting appropriate plans.
Robert Pietronuto: Allstate Insurance provides personalized guidance for selecting long-term care insurance policies tailored to individual needs and budgets. Services include policy comparisons, application assistance, and annual coverage reviews to help clients adjust plans as circumstances change. Ongoing policy maintenance ensures beneficiaries understand benefit triggers and claim processes. Drafting health histories and advising on inflation protection are core components of each plan. Located in Harrison, NY, the agency services single-family homes, apartments, retail, and restaurants within the surrounding area.
Kalare Insurance serves area homeowners and families in Harrison, New York, who are planning for the financial demands of extended health care. As a long-term care insurance agent, the company helps clients review policy options that cover services like home care, assisted living, or nursing facility stays. Their representatives guide individuals through the complexities of coverage decisions, focusing on matching plans to each customer’s long-term needs and budget. The agency also extends its services to residents throughout Westchester County and the surrounding communities near White Plains.
Sunshine Insurance of NY serves clients in Harrison and the surrounding Westchester County communities. It handles a full range of long-term care insurance needs, including policy selection and coverage consultation. The agency educates individuals on how these policies can protect savings during retirement or advanced age. To complete a typical case, the agent first reviews a client's financial situation and health background before recommending suitable coverage options from available carriers.
Caitlin Stiene - Medicare Resource Group, located in Harrison, NY, helps clients understand the crucial difference between traditional long-term care insurance, which pays a fixed daily benefit for covered services, and hybrid policies that combine life insurance with a long-term care rider. Coverage is customized to address specific needs for in-home care, assisted living, or nursing facility expenses in the local area. Service appointments are available on an as-needed basis, designed around each client’s preferred schedule.
Paul Bandriwsky Insurance focuses on long-term care insurance, helping clients in Harrison design strategies to cover future assistance needs. The agency works specifically with individuals to assess their particular health and financial situations, guiding them through policy options in a factual manner. It supports families planning for the potential cost of home health aides, assisted living, or nursing home care. The agency assists with concerns such as navigating coverage changes brought by annual open enrollment periods or adjusting policies after a significant change in a client’s medical status.
As many New York families begin reviewing their financial plans with the change of seasons, Alright Insurance CO in Harrison helps local seniors explore long-term care coverage options before a care need arises. This agency meets with clients to explain Medicare gaps and how policies address home health aide costs versus facility stays. An initial needs assessment appointment, where existing insurance and assets are reviewed, is offered as the first step.
Nationwide Insurance: Daniel Carpiniello in Harrison, NY is known for connecting clients with long-term care insurance policies that help cover expenses for assistance with daily activities. This agency serves local individuals and families by explaining policy options for protecting assets from high care costs. Advice is tailored around each client’s financial circumstances and future planning needs. An additional specialty service available through this office includes consultation on hybrid policies that combine long-term care benefits with life insurance coverage.
Acrisure Harrison, NY (Keevily Spero Whitelaw Inc) provides long-term care insurance services to residential clients in the Harrison area. The agency also addresses commercial coverage needs for local businesses and professionals. Their service area includes Harrison and the surrounding communities. Representatives assess individual risk factors and policy options to match appropriate plans. They explain benefit structures, premium details, and coverage limitations clearly. Clients can schedule follow-up consultations between regular policy review visits to adjust coverage as personal or business circumstances evolve.
Based in Harrison, New York, Quinton Insurance provides long-term care insurance services, specializing in policies designed to help clients protect assets while planning for future care needs. The agency navigates the complexities of coverage options for nursing homes, home health aides, and assisted living facilities. Long-term care policies can help mitigate the high costs of extended care that Medicare does not fully address. This local agent supports individuals and also serves commercial entities including offices, warehouses, and food service establishments with their insurance needs.
What Does a a Long-Term Care Insurance Agent in Harrison Cost?
Long-term care insurance premiums in New York vary based on age, health, and benefit amount. A typical policy for a 55-year-old might cost between $1,500 and $3,000 per year. For a 65-year-old, the same policy could range from $2,500 to $5,000 annually. Costs also depend on inflation protection and elimination period choices. This is general information, not insurance advice.
About long-term care insurance agents in Harrison
Long-term care insurance agents in Harrison, New York help residents plan for future care needs. New York offers the Partnership for Long-Term Care program, which allows policyholders to protect some assets while qualifying for Medicaid. An agent can explain how these state specific rules apply to your situation.
Frequently Asked Questions
What does a long-term care insurance agent in Harrison do?
An agent helps you compare policies from different insurance companies. They explain coverage options like home care, assisted living, and nursing home benefits. They also guide you on New York specific programs such as the Partnership plan.
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 help protect your savings if you need care later. The New York Partnership program offers asset protection for those who buy qualifying policies.
How does the New York Partnership for Long-Term Care work?
The Partnership program lets you keep a dollar of assets for every dollar your policy pays in benefits. This means you can qualify for Medicaid without spending down all your savings. Only policies sold by participating insurers in New York qualify for this protection.
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