Steve has talked about the importance of buying Long Term Care Insurance and to get it while you are young enough to keep premiums lower. But today he talked about Short Term Care Insurance.

It lasts up to 360 days before benefits stop. But if you can get a doctor to certify that you don’t need care for a period of 190 days then the 360 resets to provide more coverage. There is no waiting period. No hospitalization required. Only need a doctor’s notice that you can not do 2 of 6 required actions (feeding, dressing, etc) by yourself. Will provide benefits even if you are getting money from other policies or Medicare. Could also be used during the waiting period before the Long Term policy starts.

Give Steve a call to get more information about this new type of coverage or any other health insurance need.