An accident or illness can happen suddenly, causing you to need short-term convalescent care–nursing care for up to one year. Four out of everyten people turning age 65 will use a nursing home at some point in their lives.  A stay in a nursing home is not just for seniors.  In fact, of the nearly 10 million people who need long-term care, 37% are under age 65. Short-term convalescent care insurance protection can provide protection when you need it, where you want it. 
 

- Coverage for all levels of nursing care, including custodial. 
- A choice of options allowing you to tailor protection to fit your needs and budget. 
- Benefits are payable in additionto other coverage you may have. 
- Benefits paid directly to you, or you can designate who receives your benefits. 
- Includes protection for covered stays due to Alzheimer’s, Parkinson’s disease and similar forms of dementia. 
- Spousal premium discount of 10% when you and your spouse are issued on the same policy. 
- Guaranteed Renewable for Life, so long as you pay your premium on time, no matter what your future health may be.

 As hospital stays become shorter and outpatient procedures increase, now more than ever getting the recovery care you need to get beck to your independent lifestyle is important.  

Perhaps you have a short stay in the hospitaldue to a broken leg or surgery and need additional recuperation time to get back on your feet.  Or maybe you need temporary assistance taking care of yourself after an outpatient procedure.  

Unlike Medicare or many primary health plans, short-term convalescent care insurance protection covers all levels of nursing care–without prior hospital stay required.  With short-term convalescent care insurance protection, coverage is provided for skilled care for the most acute medical needs to custodial care.  

Most long-term care, in a nursing home or at home, is custodial care–help with activities of daily living like bathing,dressing, using the bathroom, and eating.  Medicare covers only skilled care in a certified skilled nursing facility or in your home following a hospital stay.  Medicare does not cover custodial care.  In addition, Medicare and major medical plans may notpay at all for services in an assisted living facility.  

If you have not planned for nursing care costs, it could create a financial burden for you and your family.  Short-term convalescent care insurance protection supplements your primary health plan to help fill the gaps in your coverage– out-of-pocket gaps that could be very costly.  The best time to think out nursing care is before you need it.