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Short Term Care Insurance

What Is Short Term Care Insurance?

Short Term Care Insurance is a type of policy that will help cover custodial, skilled nursing and home health care. This type of policy is similar to the more traditional Long Term Care, but with a few key differences. In order to begin using your coverage, you would have to fail to accomplish 2 of the 6 Activities of Daily Living (ADLs) which are bathing, dressing, eating, getting in or out of bed or chair, moving around, and using the bathroom.

Why You Need Short Term Care Insurance:

Among Adults Aged 65+:

Key Facts To Consider:

*Medicare Part A only covers Skilled Nursing Facility (SNF) care if all of the following are true:

  1.  The individual has days available to use in the benefit period.
  2. The individual’s doctor has ordered daily skilled care delivered by, or under the supervision of, skilled personnel.
  3. The skilled care is for a hospital-related medical condition and is provided in a Medicare-certified Skilled Nursing Facility.
  4.  The SNF admission takes place within 30 days of a medically necessary hospital stay of 3 consecutive days (also known as the 3-day rule). The discharge day and any pre-admission time spent in the emergency room or outpatient observation do not count toward the 3-day rule.

There are often financial implications for the individual receiving care and their family.

  1.  78% of those caring for a loved one report having out-of-pocket expenses and spend an average of 26% of their income on caregiving activities.
  2. 62% say it was a “somewhat difficult” and 26% say it was “very difficult” to afford a facility that met their needs or their loved ones’ needs.
  3. 56% of those paying for care or providing care for themselves or a loved one had to reduce spending on food, clothing, or basic household items and 33% had trouble paying rent/mortgage or utilities.
  4.  53% of working caregivers have experienced at least one work related impact because of their caregiving. Taking time off (both paid and unpaid) and working different hours are the most common ways that caregiving affects work.
  5. 50% of those who received or had a loved one who received paid custodial care said it was “difficult” to afford.

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The Benefit Link, a Licensed Insurance Agency with its physical office in Texas, employs insurance agents (producers), and through such agents, can provide these services to clients in all 50 States of the USA. By clicking on a form, you authorize The Benefit Link to call you and send pre-recorded messages, text messages, and in-app Facebook messages to you about The Benefit Link products and services at the telephone number you have on file with Facebook, or any other telephone number or contact information that you provide to The Benefit Link, including your mobile phone if provided, using an automated dialer and email, even you are on the national or state “Do not Call” list. You understand that your consent is not a requirement to purchase products and services from The Benefit Link. Message and data rates may apply, and you can opt-out anytime.