Short-term care insurance – sometimes called “recovery care” – usually provides benefits for a maximum of 12 months or less. These types of policies can be less expensive than traditional long-term care insurance, and the medical qualifications required for enrollment can be slightly easier.

Generally, benefits from a short term care policy are triggered the same way as benefits triggered from a traditional long term care insurance policy. However, that is not always the case. Optional benefits offered through some STC policies can include: Prescription Drug, Dental/Vision, and Hospital Indemnity Benefits.

Short-term care, also known as post-acute care or transitional care, provides temporary assistance to individuals recovering from illness, injury, or surgery. It focuses on helping patients regain independence and functionality before returning home or to their usual routines. This type of care typically lasts from a few days to several weeks, depending on the individual's needs and recovery progress.

Here's a more detailed breakdown:

Key Features:

Temporary Assistance:
Short-term care is designed to be a temporary solution for individuals needing extra help during their recovery period.

Focus on Recovery:
It aims to help patients regain strength, mobility, and independence, allowing them to transition back to their regular lives.

Various Settings:
Short-term care can be provided in various settings, including skilled nursing facilities, rehabilitation centers, and assisted living communities.

Skilled and Custodial Care:
Short-term care can include both skilled medical care (like therapy) and custodial care (assistance with activities of daily living).

Common Reasons for Short-Term Care:
Post-Hospital Discharge: After a hospital stay for surgery, illness, or injury.

Caregiver Relief: To provide a break for family caregivers.

Trial Period: For seniors considering moving into a senior living community.

Emergency Situations: During natural disasters or when a regular caregiver is unable to provide care.

Benefits of Short-Term Care:
Improved Recovery: Patients can receive specialized therapies and assistance to regain their functionality.

Caregiver Relief: Family members can take a break from caregiving duties.

Safety and Security: Short-term care facilities provide a safe and supportive environment.

Transition to Independence: It helps patients transition back to their homes and daily lives.