Short Term Care Insurance

Short term care plans are similar to LTC plans in paying for care required because the policyholder is unable to care for herself.  The primary difference is that STC plans pay for a year or less for care, while LTC plans pay for 2 or more years of care.

As a result, STC plans are less expensive than LTC plans, and typically have less stringent underwriting.  Thus clients who don't want to pay for LTCI or can't qualify may be good candidates for an STC plan.  

Agents who want to be able to offer some coverage to these clients are increasingly adding them to their portfolio of offerings.  STC plans cover home or facility care with a shorter benefit period, typically 3 months to 1 year. The lower cost and easier underwriting let you offer coverage to clients for whom LTCI is not an option.

Use LTC WebQuote on an iPad! 

Many agents have online access to StrateCision's LTCI comparison tools through the LTC WebQuote and LTC WebAdvisor programs. General agents and large brokerages offer these programs to their producers on their websites.

StrateCision can now offer these web accounts access by tablets with touch-sensitive screens, such as the iPad, Samsung Android tablets, and Microsoft Surface.  For a small monthly cost, any web account can enable use by tablets, and even large cellphones.  Use 2-finger resizing to expand and shrink the screen as needed, and take advantage of the features of modern day mobile computing devices.

If you administer a StrateCision web account, see the link in the previous section for pricing for the tablet upgrade.  If you are an agent using our web comparisons, contact your account managers and ask for this major enhancement.