Short-Term Care

Brooks Insurance Group can help you plan for all your health needs.

Life can change quickly—and when recovery or temporary assistance is needed, short term care insurance steps in to help. This coverage offers a financial cushion for temporary stays in nursing homes, rehabilitation centers, assisted living, or in-home care following an illness or injury.

Unlike long-term care insurance, short term care is designed for recovery periods lasting up to one year. It’s ideal for individuals who may not qualify for long-term policies or who want an affordable solution for transitional care needs.

What Does Short Term Care Insurance Cover?

Short term care insurance policies can include a variety of services depending on your chosen plan:

Skilled Nursing Facility Care: Covers short-term stays for rehabilitation or medical supervision following a hospital discharge.

Assisted Living & Residential Care: Helps with costs of temporary placement in a licensed care facility when assistance with daily living is required.

In-Home Recovery Assistance: Provides benefits for at-home services such as physical therapy, skilled nursing, and personal care.



Flexible Use of Funds: Many plans pay cash benefits directly to the insured, allowing flexibility to cover medical or household expenses as needed.

Is Short-Term Care Right for You?

You might benefit from short term care insurance if:

• You’re planning ahead and want a cost-effective care solution in case of future recovery needs.
  
  
• You’re not eligible or ready to purchase long-term care insurance.
  
  
• You’ve recently experienced a hospital stay or injury and anticipate needing follow-up assistance.
  
  

You want to protect your savings from the high costs of transitional care.

Things to Evaluate Before Enrolling

Here’s what to keep in mind when selecting a plan:



• Affordability: Premiums tend to be lower than long-term care insurance, but compare rates by age and benefit level.
  
  
• Health Qualifications: Underwriting is often simple, but some health conditions may impact eligibility.
  
  
• Care Preferences: Decide if you’d prefer in-home recovery, or if facility-based coverage is more appropriate.
  
  

Benefit Coordination: Review how this plan fits with existing Medicare, health, or disability coverage.

Explore Short-Term Care coverage. Speak with an broker for details ➜