If you’ve looked into long-term care insurance (LTCI) and found it either too expensive or too difficult to qualify for, short-term care insurance could be a valuable option for you. It’s a simpler, more accessible way to help pay for care when you need it most.

What Is Short-Term Care Insurance?

Short-term care insurance is designed to cover a limited period of care, typically up to 12 months. It helps pay for services like in-home care, skilled nursing care, assisted living or rehab, and home health aides.

Like LTCI, it provides financial support if you need help with daily activities or recovery from an illness or injury. But the coverage period is shorter, and that’s what makes it more affordable and easier to qualify for.

Why Consider Short-Term Care Insurance?

Short-term care insurance may be a smart solution if:

• You were declined for traditional LTCI.
• You’re older or have health concerns that make LTCI harder to get.
• You want coverage but not the high premium of a long-term policy.
• You want to bridge a gap before other coverage kicks in.

Key Features of Short-Term Care Insurance

• Simplified underwriting: Often just a health questionnaire, with no medical exam
• Lower premiums: More affordable than traditional LTCI
• Flexible benefits: The ability to choose daily benefit amounts and coverage length
• Fast approval: In some cases, you can get coverage within days

Is short-term care insurance right for you?

Short-term care insurance won’t replace long-term care insurance entirely, but it can offer important financial protection, especially for short recovery periods or temporary care needs. It can also provide peace of mind for individuals who want some coverage now while they explore other options.

One of our trusted LTC Advocates can help you understand your options, compare coverage, and find the best fit for your situation.