GET SHORT-TERM CARE INSURANCE ONLINE
An unexpected illness, injury, or cognitive condition can create care needs that may affect both your daily life and your finances.
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Short-Term Care Insurance can provide benefits for qualifying care situations, including certain stays in nursing facilities, assisted living facilities, hospice care, and other covered services.
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Explore your options online or schedule a call with a licensed insurance agent.
Help protect your savings when you need care
CARE CAN BECOME EXPENSIVE WHEN YOU LEAST EXPECT IT
An unexpected need for assistance can create more than medical concerns
When an illness, injury, or cognitive condition makes everyday activities more difficult, you may need additional help with daily living or a period of supervised care.
The financial impact can be significant.
National 2024 median nursing-home costs were approximately $111,325 per year for a semi-private room and $127,750 per year for a private room. Care costs also vary considerably depending on where you live and the type of care you receive.
Short-Term Care Insurance can be one option to consider when planning for this type of financial risk.
WHAT DOES SHORT-TERM CARE INSURANCE DO?
Coverage designed for qualifying care needs
Illness / Injury
Need for Assistance
Qualifying Care
Insurance Benefit
Short-Term Care Insurance is designed to provide benefits when a covered illness, injury, or condition results in a qualifying need for care.
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Depending on the policy, benefits may help with covered care received in settings such as nursing facilities, assisted living facilities, hospice facilities, or other qualifying care environments.
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Some plans may also offer optional benefits designed to provide additional flexibility.
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Coverage, eligibility, benefit amounts, elimination periods, limitations, exclusions, and availability vary by policy and state.
Short-Term Care Insurance may be worth exploring if you are concerned about how you or your family would handle the financial impact of a temporary or unexpected care need. You may want to consider coverage if you:​
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​Want another layer of financial protection
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Are concerned about the cost of nursing or assisted living care
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Want to protect retirement savings from unexpected expenses
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Prefer planning ahead rather than relying entirely on family members
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Want to explore an alternative to traditional long-term-care coverage
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Want coverage designed around qualifying short-term care needs
IS SHORT-TERM CARE COVERAGE RIGHT FOR YOU?
It may be worth considering if you're planning ahead for unexpected care needs
Retirement Savings
Care Costs
Family Protection
Planning Ahead
Flexible Coverage
Peace of Mind
PROTECTION WHEN YOU NEED CARE
Coverage can help address qualifying care-related expenses
Depending on the policy you select, Short-Term Care Insurance may provide benefits when you meet the policy's requirements for covered care.
Benefits may include coverage associated with:
Home Health Care
Optional coverage may be available for qualifying home health care.
Assisted Living
Coverage may provide benefits for qualifying assisted-living care.
Bed Reservation
Certain plans may provide a benefit for reserving a room while temporarily hospitalized.
Prescription Benefits
Certain plans may include prescription-drug benefits subject to policy limits.
Hospice Care
Some plans include benefits for qualifying hospice care.
Nursing Facilities
Benefits may help with qualifying care received in a nursing facility.
BUILD COVERAGE AROUND YOUR NEEDS
Explore benefit periods, elimination periods and optional features
Depending on the plan, you may be able to choose from different elimination periods and benefit periods and add optional benefits designed to provide additional protection.
GET BENEFITS SOONER WHEN YOU QUALIFY
An option designed to provide an initial benefit when qualifying care begins
Certain Short-Term Care plans may include a Fast-50 Benefit that can waive the standard elimination period and provide an initial cash benefit when you qualify for covered care.
The benefit is based on the policy's accumulated daily benefit and is subject to the terms and conditions of the policy.
Coverage Begins
Qualifying Care
Initial Benefit
ADDITIONAL PRESCRIPTION SUPPORT
Some plans include a built-in prescription benefit
Certain Short-Term Care plans may include a prescription-drug benefit for qualifying generic and brand-name prescriptions, subject to the policy's benefit amounts and annual limits.
This can provide another layer of support during a qualifying period of care.
Benefit amounts and limits are determined by the policy.
HELP KEEP YOUR CARE ARRANGEMENT IN PLACE
A benefit designed for certain temporary hospital stays
Some Short-Term Care plans include a Bed Reservation benefit.
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When a covered individual is admitted to a hospital, the benefit may help reserve their room at their current covered facility for a specified number of days, subject to the policy's conditions and lifetime limits.
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This can provide additional flexibility when a temporary hospitalization interrupts a care arrangement.
PLAN FOR RISING CARE COSTS
Optional inflation protection may help benefits keep pace over time
Care costs can increase over time.
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Depending on the plan, an optional Simple Inflation Benefit may increase your daily benefit beginning after a specified policy anniversary and continue increasing the benefit according to the policy provisions.
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This type of option can be worth considering when planning for future care costs.
THE COST OF CARE CAN ADD UP FAST
Planning ahead may help protect the assets you've worked to build
$111,325
2024 national median annual cost of a nursing-home semi-private room
$127,750
2024 national median annual cost of a nursing-home private room
$70,800
2024 national median annual cost of assisted-living care
The cost of care varies significantly by location and type of service. As care costs continue to change, planning ahead can help you understand the potential financial impact of needing assistance.
PROTECT MORE THAN YOUR HEALTH
Consider how a future care need could affect your financial goals
It's also about what could happen to your savings, retirement income, family finances, or other assets if you suddenly need assistance.
Short-Term Care Insurance can be one part of a broader financial protection strategy designed to help address qualifying care expenses.
YOUR OPTIONS. YOUR CHOICE. YOUR DECISION.
Get information online or talk with a licensed insurance agent
At JRF Services, you can explore insurance options online or choose to speak with a licensed insurance agent before applying.
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We can help you understand the type of coverage you're considering, review available options, and answer questions about benefits, eligibility, and policy details.
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Prefer to do it yourself? Start online.
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Prefer to talk first? Schedule a call or request a callback.
WANT TO LEARN MORE BEFORE YOU APPLY?
Review the available product information first
Insurance policies contain important information about benefits, limitations, exclusions, eligibility requirements, elimination periods, benefit periods, and other conditions.
Review the available brochure and policy information before applying so you understand how the coverage works.
PLAN AHEAD FOR THE UNEXPECTED
Explore Short-Term Care Insurance options today
You can't always predict when an illness, injury, or other condition may create a need for care.
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But you can plan for the possibility.
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Explore Short-Term Care Insurance online or schedule a call with a licensed insurance agent to discuss your options.
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Start exploring your coverage today.
IMPORTANT INFORMATION
Short-Term Care Insurance is limited-benefit insurance designed to provide benefits for qualifying covered care as described in the policy. It is not comprehensive health insurance and may not cover all costs associated with long-term care or other medical services.
Benefits, premiums, eligibility requirements, waiting or elimination periods, benefit periods, exclusions, limitations, renewal provisions, riders, and availability vary by policy and state. Coverage is subject to the terms, conditions, and limitations of the policy. Review the policy documents carefully before purchasing.