Short-term care insurance, also known as recovery care insurance, is designed to provide coverage for individuals requiring temporary assistance with daily living activities due to illness or injury. This type of insurance typically offers benefits for a duration ranging from a few months up to one year, making it a viable option for those who need immediate care but do not require long-term support. 
Short Term Care Insurance is a type of insurance policy designed to cover the costs associated with short-term health care needs. These needs typically arise when an individual is recovering from an illness, injury, or surgery and requires assistance with daily activities for a limited period. Unlike long-term care insurance, which covers prolonged care over several years, short-term care insurance usually provides coverage for up to 360 days.
Consider the case of Mary, a 68-year-old retiree who lives independently. Mary enjoys good health, but she recently underwent knee replacement surgery. While her recovery is expected to be smooth, her doctor has recommended several months of physical therapy and assistance with daily activities such as bathing, dressing, and preparing meals.
Without short-term care insurance, Mary would need to pay out-of-pocket for these services, which could quickly become expensive and strain her finances. However, with a short-term care insurance policy, Mary can receive the help she needs during her recovery without worrying about the costs. The policy covers the cost of a home health aide who assists her with daily activities and ensures she follows her physical therapy regimen. This not only helps Mary recover more quickly but also provides her with peace of mind, knowing she won’t face a financial burden during her recovery.
The Benefit Link, a Licensed Insurance Agency with its physical office in Texas, doing business as The Long Term Care Link and The Annuity Link, employs insurance agents (producers), and through such agents, can provide these services to clients in all 50 States of the USA. By clicking on any form, you authorize The Benefit Link to call you and send pre-recorded messages, text messages, emails, and in-app Facebook messages to you about The Benefit Link’s products and services at the telephone number and/or email address you have on file with Facebook, or any other telephone number, email address or contact information that you provide to The Benefit Link, including your mobile phone, landline or other phone, if provided, using an automated dialer or email system, even if you are on the national or state “Do Not Call” list. The Benefit Link works with 3rd party technology providers, including session replay technology, and by clicking on any form, you are giving express prior consent for your data to be shared with the 3rd party technology providers. You understand that your consent is not a requirement to purchase products and services from The Benefit Link. Message and data rates may apply, and you can opt out anytime.