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When you need help in covering some of the expenses, both away and at home.

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Reasons for Short term care

You had a medical procedure and are out of the hospital what can you do? For temporary medical aftercare such as surgery, injury, illness, or other medical condition you would use a short-term care policy.  The goal in the short term is to speed the recovery with assisted medical providers.

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 Having the financial resources to meet these issues is of concern to many people as they age. Be sure to discuss with your agent to see if a policy is right for you.

What is Short-term care

Short-Term Care insurance (STCi) policy provides coverage for 1 year or less. 

For many people, this is a very appropriate as around half of long-term care insurance claims were for 1 year or less. Your typical short-term care occurs following surgery, injury, illness, or other medical condition. Services typically last several weeks or a few months, or sometimes longer depending on the severity of the condition being treated. 

 

The many policies have an Elimination Periods (vary in length) and a full year of benefits. Simply, that means that some policy pays on the very first day one qualifies for benefits and others there is a short waiting period compared to many traditional long-term care insurance policies sold with a 90-Day elimination period. Be sure to discuss with your agent the length of deductible you can afford to wait before benefits are paid.

Short-term care can pay in addition to Medicare -- something a traditional Long-Term Care Insurance policy is prohibited from doing.

HOURS & LOCATION
Location

5006 SW Screech Owl

Bentonville, AR 72713

email: fosterinsurance@purpose-protect.com

 

Tel: 479-321-3993

Cell: 479-644-9801

Hours

Monday - Friday 

8 am to 5 pm

 

Saturday 

By Appointment

 

Evenings by Appointment

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