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While we would like to be able to pay out of pocket or through a long-term care insurance policy, many of us cannot afford this or have been declined coverage due to age or pre-existing conditions.

Would short-term care insurance for be an option?

49% of long-term care insurance claims last for one year or less. Medicare pays a declining percentage over the first 100 days. Would short-term care insurance be an option?

Ways a short-term care insurance policy would help

Unlike traditional long-term care insurance, short-term care insurance can pay in addition to Medicaid. For people who have a Medicare Advantage program or people who have traditional Medicare without Medigap, or for anyone who needs care for more than 100 days, this can be a real help, whether receiving help at home, in assisted living or in a nursing home. Some people who have long-term care insurance may use short-term care to cover the typical 90-day elimination period before it starts to pay.

Short-Term Care Insurance policies are available to people age 40-89, varying with the insurance company, and typically pay $100, $150 or $200 per day.


Terry Garrett is a member of the National Academy of Elder Law Attorneys and is active in the Texas and Austin Bar Associations. She graduated with honors from Cornell University. She was on the Dean’s List at Wharton Business School. She earned her J.D. at Columbia Law School, receiving the Parker Award and a Mellon Fellowship.

She assists families of people with special needs, people planning for the retirement years and people administering estates.



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