Learn About Extra Insurance Benefits

Short-term Care Insurance

There may be times in life when you or a loved one needs temporary assistance with daily activities due to an illness, injury, or a period of recovery. Short-term care insurance is designed to provide financial support for these situations, covering the costs of temporary care services. A CIFS advisor will explain the basics of short-term care insurance, how it works, and why it might be a valuable addition to your insurance portfolio.

What is Short-term Care Insurance?

Short-term care insurance is a type of insurance policy that provides coverage for temporary stays in a nursing facility, assisted living facility, or for in-home care services, such as home health care or adult day care. This coverage is designed to help individuals who are unable to perform activities of daily living (ADLs) due to an illness, injury, or a period of recovery but do not require long-term care.

How Does Short-term Care Insurance Work?

When you purchase a short-term care insurance policy, you'll choose a daily or weekly benefit amount, which is the amount the insurance company will pay for each day or week of care services. You'll also select a maximum benefit period, which is the total number of days or weeks for which the policy will provide coverage.

If you or a covered family member requires short-term care services, you'll file a claim with your insurance company, providing documentation of the need for care and any other required information. Once your claim is approved, the insurance company will pay the benefit directly to the care provider or reimburse you for the expenses, up to the maximum benefit period specified in your policy.


Coverage and Exclusions

Short-term care insurance policies typically cover a range of services, including:

-Nursing facility stays

-Assisted living facility stays

-In-home care services, such as home health care or adult day care

However, each policy may have specific requirements and limitations, such as waiting periods or pre-existing condition exclusions. Be sure to review your policy's terms and conditions carefully to understand what is covered and what is excluded.

Who Should Consider Short-term Care Insurance?

Short-term care insurance can be a valuable addition to your insurance coverage, especially if:

-You're concerned about the potential costs of temporary care services, which can be expensive without insurance

-You have a family history of health issues that may require short-term care

-You prefer the flexibility of a policy that covers a variety of care settings, such as nursing facilities, assisted living facilities, or in-home care


Short-term care insurance offers financial protection and peace of mind when you or a loved one needs temporary assistance with daily activities. By covering the costs of care services, you can focus on recovery and well-being instead of worrying about the financial burden of care. If you think short-term care insurance might be a helpful addition to your insurance coverage, contact a CIFS advisor and they will show you different policies and find one that meets your needs and budget.