Short-term care refers to a wide range of medical and non-medical assistance to get people back on their feet following an accident, illness, or surgery. It typically lasts several weeks or a few months, or sometimes longer depending on the severity of the condition being treated. Short-term care options include skilled nursing rehab, home health, home care, and respite. The biggest difference between long term and short-term care is the length of time needed to recover and the goal of care.


  • Issue ages 18-89
  • Daily benefits up to $450 and benefit periods up to 360 days
  • Elimination periods of 0 or 20 days
  • No prior hospital stay required
  • Guaranteed renewable if you pay the premium
  • Benefits are paid directly to you to use as you need
  • Restoration of benefits
  • Optional additional riders available
  • More affordable than long term care insurance