What is short-term care insurance?

Short-term care is designed to meet a very specific need that may befall many seniors — the need for help with day to day living and/or recovery from a medical problem, but a desire to do it at home.

First, let’s be clear that we’re talking about SHORT-term home health care. There are Long-term care policies designed to help families pay for the costs of a nursing home, and these are excellent policies to carry.

But here we’re talking about helping with the costs of care at home for a short period of time – ranging from a few weeks to a few months.

In many cases, you or your loved on won’t necessarily need (or want) to move to an assisted living facility in the aftermath of an accident or medical procedure, but there is a need for help with daily activities for a little while. A short-term health plan will help provide money to pay for this kind of care at home.

Covered services include:

  • Skilled nursing care
  • General nursing
  • Physical or occupational therapy
  • Speech pathology
  • Respirational therapy
  • Medical social services

In many cases, the practical benefit of a policy like this is that it will buy your some time. You’ll have time to figure out if you or your loved one can stay at home or if a move to assisted living facility is necessary and, if so, time to find the right situation. Instead of a frantic hurry to make such huge decisions, you’ll have the time to assess your options and determine the best solution.

Who do we recommend for short-term home health care insurance?

The plan we recommend for our clients is with a company called Guarantee Trust Life (GTL). They provide a very helpful introduction to and explanation of their shor-term home healthcare insurance plan in this short video:


If you’d like to learn more or get pricing on a short-term home health care insurance plan, contact us today.