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Short Term & Long Term Care


Like long-term care insurance, short-term policies typically cover home care, assisted living and nursing homes when you can't take care of yourself. But instead of paying for years of care, short-term care insurance, also known as recovery care, typically provides benefits for 12 months or less. Typically, short-term care insurance is used to cover gaps in Medicare coverage or as an alternative option to long-term care insurance.

Short Term Care

Short-term care is a type of treatment that has a defined outcome. For example, treatment for an injury would be considered short-term care. The goal of short-term care after an injury would be to get the body back to normal working order. There is an end result in mind. This kind of rehabilitation service would include treatment sessions geared towards fixing that specific ailment, like physical therapy. Short-term care coverage can help you with these kinds of costs. You can get a plan that will give $100, 150 or $200 a day to help with those costs. That might not sound like a lot, but add that up over a month and you have $6,000 after $200 a day. Simplicity could be another advantage for some buyers. There’s no medical exam required, so the application process is faster and simpler, compared to the process for long-term care insurance. Typically, applying for short-term care involves just filling out a short questionnaire. You can also still buy short-term insurance up to age 89, while most long-term care policies cut off applicants at about age 75.

Applications are usually between seven and 10 questions about your health. The company approves or denies you based on how you answer those questions. It might be harder for you to find a short-term care plan than a decade ago. The long-term care insurance market is shrinking. About 20 years ago, long-term care insurance was a standard offering, but now just a dozen or so companies sell such policies. That’s because costs were underestimated for the plans, so companies were losing money, and their investments were dinged when interest rates dropped after the 2008 recession, so many have opted out of selling it.

How does short-term care work?

It’s pretty straight-forward: you pick a benefit amount, usually offered in $10 increments from $50 to $300 per day, and the number of days (up to 360) that you want to receive the benefit. The majority of policies go into effect immediately. That means the policy pays on the very first day you qualify for benefits. Most traditional long-term care insurance policies (about 94%) are sold with a 90-day deductible that must be met before benefits are paid. The triggers for benefit eligibility for short-term care insurance generally are the same as they are for long-term care coverage. The policy pays for care when the insured can't perform at least two of six "activities of daily living" without help -- eating, bathing, transferring in and out of a chair or bed, dressing, toileting and continence -- or has a cognitive impairment.

Long Term Care

“Long-term care” means day-to-day help to live as you live now. Many people think of long-term care as strictly nursing home care, but that’s false. It can include much more, including help with activities of daily living, home care, and adult day care. Long-term care insurance — sometimes called nursing home insurance or senior care insurance — is one way to pay for long-term care. Coverage varies but often includes:
  • Extended nursing home stays
  • Assisted living communities
  • Alzheimer’s or memory care facilities
  • Adult day care centers
  • Home health provided by a professional
  • Home care (some policies)
  • Respite care
  • Hospice
    • It’s important to know exactly what services and types of facilities your long-term care insurance policy covers. Personal care homes, for example, are often not covered, according to the National Association of Insurance Commissioners (NAIC). Always talk to your insurance provider about coverage before choosing care communities or services.
    You could spend more than $3,000 more a year for the same plan, depending on which company you buy coverage from, according to the American Association for Long-Term Care Insurance. This is why it’s important to work with an experienced agent when looking for insurance. Long term care insurance must be purchased when someone is younger and healthier. The very best age for purchasing this insurance is starting at 40 years old. Starting any younger than this usually does not result in any premium savings over the lifetime of the policy.

    Reasons for Buying Long Term Care Insurance?

    It will help you keep your independence and dignity. Here's how. . . some of you will spend all your assets on care while others plan to give their money away or put it in trust. With no assets you will now qualify for a welfare program called Medicaid. Medicaid typically pays for a semiprivate room in a nursing home, and; not all nursing homes take Medicaid patients. In many states it's not easy to get Medicaid to cover home care or pay for assisted living. A nursing home is not the most desirable place to finish out one's life. For many, a terminal stay in a nursing facility robs them of a purpose in life and strips away their dignity. As an example, have you ever thought of the indignity of being bathed, toiletted or diapered in a nursing home environment? No wonder many people express the desire to die before ever having to go into a nursing home.

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    Who is Right For Short-term Care?

    Short-term care can be provided to seniors with different care needs, from normally independent seniors set-back by illness or injury to persons living with dementia and Alzheimer’s already receiving around the clock care. The common thread is that they all need compassionate, attentive care for a short time in a welcoming community. Whether they come for a few months or only for the day, short-term residents still benefit from engaging activities for connection, well-appointed amenities, a sense of security and beautiful community spaces.

    Why should you consider Short Term Care?

    Short-term care for seniors is available in many different lifestyles, but is most often provided for seniors needing Assisted Living and Memory Care. Families are able to place residents into a safe, caring community for a temporary stay with the assurance that they will be in a welcoming and caring environment. Senior Lifestyle communities take the time to understand visiting resident’s needs, wants, and preferences to provide the same attentive care our permanent residents receive. Unlike long-term care policies which typically have a 90-day waiting period for benefits, short-term care benefits go into effect the first day you need care. Triggers for benefit eligibility are generally the same as long-term care coverage. The policy pays for care when the policyholder has a cognitive impairment or can’t perform at least two of six activities of daily living without help. This includes eating, bathing, dressing, toileting, continence, or transferring from a bed to a chair.

    • Pays daily benefit to insured to offset out-of-pocket costs, if any. Protects the family.
    • Peace of mind to return to familiar surroundings when released from hospital or rehabilitation center.
    • This benefit can offset out-of-pocket expenses your family has when they visit you at the hospital such as parking, food.

    MENDRE Insurance Group is here to guide you with simple process

    Depending on your situation you may need only short term or long term care but there are many times when you need both to fully protect yourself. Health Insurance work together to help reduce the impact of disability or serious illness. Let MENDRE Insurance Group help you to understand the complete process in easy way.

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    Why should you consider Long Term Care?

    If you are married and you have a need for long-term care, your spouse may be forced to pay for an outside care giver. The cost is likely to come from your combined income and assets. If the need for paid care drags on too long, your spouse may be left with minimal cash assets for future needs. Insurance solves this problem and allows your spouse to keep the assets.

    Many healthy care-giving spouses won't spend their money and choose to "tough it out" on their own without help. If care of a disabled spouse drags on too long, this can have a devastating effect on the physical and emotion health of the caregiver. Surveys reveal that even though healthy caregivers often don't spend their money for help, they will use insurance if available. Insurance allows the healthy caregiver to buy much-needed respite from paid professionals, while at the same time, retaining the assets and possibly avoiding an early death from the mental and physical stress of caregiving.

    If you are single and a need for long-term care arises, insurance can pay for and coordinate that care. With insurance you won't have to feel you would be a burden for family or friends.

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    Guaranteed issue insurance is a product that allows more Applicantss the decision to own life and health insurance protection. Guaranteed issue products such as the Health Insurance Plan are able to qualify individuals for full coverage regardless of their state of health, family history, pre-conditions, or lifestyle. That simply means that, as long as you are a permanent resident of America and you meet the age eligibility: your coverage is guaranteed.
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    During the period where the policy is in force, claims may be made following diagnosis of any covered condition. All claims are subject to a 30-day survival period following diagnosis, after which benefits may be paid.

    Please note that in some cases, there may be additional exclusionary elements depending on if the diagnosis is cancer or relates to a pre-existing condition.
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