When you're recovering from an injury or illness, it's comforting to know that you have choices on where you receive care - including the comfort and privacy of your home. If you are a United States resident and 50-85 years old, UCT's short-term care insurance can provide the care you need when you need it and where you want it without sacrificing your financial piece of mind.

Payment of benefits
UCT's short term care insurance pays benefits when a licensed health care practitioner (who is not a member of your immediate family) certifies you as: 1. Being unable to perform, without substantial assistance from another individual, at least two of six activities of daily living (bathing, continence, dressing, eating, toileting and transferring) due to a loss of functional capacity; or 2. Requiring substantial supervision for protection from threats to your health and safety due to severe cognitive impairment.

Facility-based care
Once the elimination period is satisfied under the policy, the insurance covers the actual charges incurred up to the maximum daily benefit amount for each day you are confined in a qualified nursing home, assisted living facility or long-term health care facility.

Bed reservation
The insurance also covers fees charged to reserve a bed by a facility when you are absent for any reason during the course of an eligible confinement. This benefit is limited to 21 days per period of care.

Guaranteed renewable for life
If you pay your premiums on time your policy will remain in force with no premium change, unless there’s a class basis change, no matter what your future health may be.

Spousal and non-tobacco discounts
You can receive a 10 percent discount when you and your spouse apply for coverage and are both issued policies. In addition, you and your spouse may both qualify to receive a 10 percent non-tobacco discount.

Optional benefit riders

The Home Health Care Benefit pays 100 percent of charges up to the maximum daily benefit amount for each day you receive care from a qualified home health care or adult day care provider. The Home Health Care Benefit features a respite care benefit that pays 100 percent of charges up to the maximum daily benefit for a service which temporarily relieves an unpaid person who is providing you with care in your home or another private residence. Respite care is limited to 30 days per period of care.

The Compound Inflation Protection Benefit automatically increases the maximum daily benefit amount by 5 percent compounded annually of the amount in effect on the previous policy anniversary. The maximum daily benefit amount then continues to increase for the lifetime of the policy.

The Guaranteed Purchase Option Benefit is available at no extra cost if you do not select the compound inflation protection benefit rider. Every third policy anniversary you may choose to purchase an additional 15 percent of the daily benefit amount. The premium of the additional insurance is based on attained age and the premium rate at the time the increase is effective. Once you have declined an increase, no additional offers will be made.

• Ideal for singles or couples
• Covers nursing home care - skilled care, intermediate care and custodial care
• Covers stays due to Alzheimer's Disease and other organic brain syndromes
• One-time elimination period
• 10 percent spousal discount when you and your spouse are both issued policies
• 10 percent non-tobacco discount
• Optional benefit riders available
• 30-day right to examine

Click here to request an agent or more short-term care insurance information