Short Term Care

What is it?

Guarantee Trust Life's short term care insurance products are designed to help protect you from the high and increasing costs of needing short-term care at home or in a nursing home. They generally are purchased to cover gaps in Medicare. Our products typically provide up to 360 days of benefits, are simplified issue and have a variety of benefit options that can be tailored to your specific needs.

How does it work?

To qualify for most short term care benefits, your health care practitioner must certify you as having the inability to perform at least two of six activities of daily living or as having a cognitive impairment.   Once benefits have started, our products can help pay for stays in an assisted living facility or skilled nursing home, help offset costs associated with adult day care/hospice care and even help pay for care in your own home.  Our products could also help pay for expenses related to home health care aides, general skilled nursing care and prescription drugs.

Why do I need it?

Due to medical advancements, more procedures are being performed on an outpatient basis.  Hospital stays are shorter and recovery times may be quicker, but many people still need additional care during recovery.  Whether that care takes place in a nursing home or at home, people often rely on Medicare to cover those additional out-of-pocket expenses. Unfortunately, many people don't realize Medicare coverage is limited and specific requirements must be met first.   Our short term care insurance policies can help protect you from out-of-pocket medical expenses so you can focus on what really matters-your recovery.

Quick Stats

3 Things to Know


Most plans pay benefits directly to you.


Nursing Home & Assisted Living Facility coverage provides a daily benefit amount to be payable up to 360 days.


Optional Inflation Riders were designed to help protect you from increasing health care costs.

What coverage options do I have?

  • Nursing Home Facility Coverage
  • Assisted Living Facility Coverage
  • Home Health Care
  • Choice of Inflation Protection Riders

**This product and its features are subject to state availability and may vary by state. Certain exclusions and limitations may apply. For cost and complete details of coverage, please contact us or your agent. Please call the Life and Health Sales Department at 1-800-323-6907 for complete details. Click here to view product disclosures and statistic sources.

Want to learn more?

Contact Us