Short Term Care

A Short Term Care Plan gives your clients an affordable option if they need to recover in a nursing home for a short period, typically less than one year. Most plans offer coverage for both nursing homes and assisted living facilities, plus an optional home health care rider. Besides using this plan for short-term recovery, agents have sold Short Term Care plans as coverage for the elimination period on their client’s current Long Term Care plan. A Short Term Care benefit of 30 or 60 days can help cover the out-of-pocket cost that is no longer affordable.

Learn More About Short Term Care

Senior Benefit Services offers a few carriers that have different short-term care plan benefits that your client might be looking for. Click on the button below to compare STC Carriers or click on the carrier logo for plan details.

 

Compare STC Carriers

Bankers Fidelity

• State Availability: AZ, CO, DE, IN, NC, PA, TX, WV
• Issue ages: 18-85
• Plan Details
  • Daily Benefit
    • $30-$300
  • Benefit Period (Days)
    • 90, 180, 270, or 360
  • Elimination Period
    • 0 or 20 Days
  • Household Discount
    • 10%
• Optional Riders*
  • Home Health Care
  • Cancer First Occurrence

*plan benefits and riders vary by state

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Continental Life 

• State Availability: AL, AR, AZ, CO, DE, GA, ID, IL, IN, IA, KY, LA, MD, MI, MS, MO, MT, NE, NV, NC, OH, OK, OR, RI, SC, TN, TX, UT, WV, WI, WY
• Issue ages: 50-89
• Plan Details
  • Daily Benefit
    • Maximum of $300
  • Benefit Period (Days)
    • 90, 180, 270, or 360
  • Elimination Period
    • 0, 20, or 100 Days
  • Household Discount
    • 10%
  • Hospital Indemnity Included
• Optional Riders*
  • Home Health Care

*plan benefits and riders vary by state

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GTL

• State Availability: AL, AK, AR, CT, DE, DC, GA, ID, IL, IA, KY, LA,  MI, MS, MO, MT, NE, NV, NH, NM, NC, OH, OK, OR, PA, RI, SC, TN, UT, VA, WV, WY
• Issue ages: 40-84
• Plan Details
  • Daily Benefit
    • $50-$300
  • Benefit Period (Days)
    • 30, 45, 60, 90, 180, or 360
  • Elimination Period
    • 0 Days
  • Household Discount
    • 10%
  • Full Restoration
    • Yes (1 time)
• Optional Riders*
  • Home Health Care
  • Simple Inflation
  • Compound Inflation

*plan benefits and riders vary by state

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