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Find Long-Term Care Insurance Agents Near You in Latham, NY
Compare long-term care insurance agents in Latham. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Latham, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New York before hiring.
Showing 4 long-term care insurance agents in Latham, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Northeastern Insurance
1214 Troy-Schenectady Rd, Latham, NY 12110
(518) 346-2886
northeasterninsurance.com
Rullo Insurance Agency
1128 Troy-Schenectady Rd, Latham, NY 12110
(518) 782-7146
rulloinsuranceagency.com
NY Insurance Hub Agency - Auto Home Business Policies
21 British American Blvd 2nd Floor, Latham, NY 12110
(518) 783-0105
nyinsurancehub.com
Marshall+Sterling
8 British American Blvd, Latham, NY 12110
(518) 272-6120
marshallsterling.com
Long-term care insurance agents in Latham New York help residents plan for future care costs. New York State has specific rules for Partnership policies that allow policyholders to protect assets while qualifying for Medicaid. Agents can explain how these plans work with local nursing homes and home care services in the Capital Region.
What Does a Long-Term Care Insurance Agent in Latham Cost?
The cost of long-term care insurance in New York varies by age, health, and benefit amount. A typical policy for a 55-year-old may cost between 1,500 and 3,000 dollars per year for a 150,000 dollar benefit pool with 3 percent inflation protection. Premiums for a 65-year-old can range from 2,500 to 5,000 dollars annually. Costs are lower for policies with shorter benefit periods or no inflation protection. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is the New York Long-Term Care Partnership Program?
The New York Long-Term Care Partnership Program lets policyholders protect a dollar-for-dollar amount of assets equal to the benefits paid by their policy. This means if your policy pays 100,000 dollars in benefits, you can keep 100,000 dollars in assets and still qualify for Medicaid. Agents in Latham can help you find a qualified Partnership policy.
How does New York law affect long-term care insurance premiums?
New York requires insurers to offer a 5 percent annual inflation protection option for policies sold to people under age 61. This rule helps keep benefits in line with rising care costs. Agents must also provide a detailed outline of coverage and a free look period of 30 days to cancel the policy for a full refund.
What care services can a Latham long-term care policy cover?
Policies sold in New York typically cover nursing home care, home health care, adult day care, and assisted living facility services. Many plans also include care coordination services to help you find local providers in the Albany area. Agents can customize a policy to cover the specific types of care you prefer.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New York.