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 are triggered from a traditional long term care insurance policy. However, that is not always the case. Because they are relatively new to the market, these polices can vary greatly in the benefits offered. Some offer Prescription Drug benefits, some offer Dental/Vision benefits or Hospital Indemnity Benefits, or even Ambulance benefits, just to name a few. Underwriting requirements can also vary from company to company. Understanding these differences are why it’s so important to work with experts when you are presenting this coverage to your clients.