Recover Cash® – Short-Term Care Insurance

What is it?

Recover Cash® is short-term care insurance that provides coverage for a range of care options, including nursing homes, assisted living facilities, or in your home. With Medicare coverage limits and specific requirements, Recover Cash fills in those gaps, covering out-of-pocket expenses. As an added benefit of the Home Health Care Rider, policyholders will have access to TCARE's Family Caregiver Concierge Services designed to help support your loved ones and prevent caregiver burnout.

How does it work?

Recover Cash® pays benefits directly to the policyholders. Recover Cash 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. With the Home Healthcare Rider, cash benefits from GTL and support services from TCARE are also available to help prevent caregiver burnout.

Why do I need it?

When faced with a prolonged illness or disability, many people require additional support from family members while receiving professional care at home. This additional mental, emotional and physical strain is often overlooked and can be detrimental to both the caregiver and the patient. With the financial support from GTL and the family caregiver support from TCARE, you can know you're getting the help you and your family need on this difficult journey.

Who is TCARE?

Recover Cash policyholders have access to TCARE when they add the Home Health Care rider. TCARE enables family caregivers to focus on what matters most: taking care of themselves and their loved ones. With tailored action plans, tech-enabled insights, comprehensive resources, and family care protection products, TCARE is here to help families navigate their caregiving journey.

3 Things to Know


Available lump sum cash benefits and family caregiver support services with the Home Health Care Rider to help prevent caregiver burnout.


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 / Assisted Living Facility Coverage
  • Home Health Care and Caregiver Benefit Riders
  • Choice of Inflation Protection Riders

Want to learn more?

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