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Guarantee Trust Life Insurance

Short-Term Home
Health Care
coverage that pays you.

Benefits paid directly to you — no hospitalization required. Choose from 3 plans with a maximum benefit period of 360 days.

Benefits paid directly to you
No prior hospitalization required
Family caregiver benefit included

Select Your Plan

Plan A

Essential daily benefits for home health care services

  • $150/day max combined benefit
  • $50/day Home Health Aide
  • Up to $300/yr prescription drugs
View full benefit details (PDF)

360

Max Benefit Days

$3,500

Caregiver Lump Sum

3 Plans

To Choose From

$0

Hospitalization Required

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Home Health Aide Benefit Calculator

Drag the slider to see how much each plan pays based on how many days you use Home Health Aide services (max 360 days).

Days of Home Health Aide Use90 days
1 day180 days360 days

Plan A

$50/day

$4,500

total paid

Plan B

$100/day

$9,000

total paid

Plan C

$150/day

$13,500

total paid

* Home Health Aide benefit only. Combined daily max: Plan A $150 · Plan B $300 · Plan C $450. Max benefit period: 360 days.

Which Plan Is Right for You?

Each plan covers the same services — the difference is the daily benefit amount. Here's a plain-English breakdown so you can choose with confidence.

🏠

Plan A

$150/day max · $50/day aide

Plan A delivers essential coverage at the most affordable premium. Daily benefits are paid directly to you for skilled nursing, therapy, and aide services — up to $150/day combined.

What's covered

  • Skilled nursing care, physical & speech therapy
  • Home Health Aide — $50/day
  • Prescriptions — up to $300/year
  • Benefit restoration after 180 days

📅 Best for

Budget-conscious individuals who want meaningful coverage at the lowest possible premium.

🛡️

Plan B

$300/day max · $100/day aide

Plan B doubles the daily benefit amounts — making it the most popular choice. Covers the same services as Plan A but pays up to $300/day combined for greater financial peace of mind.

What's covered

  • All Plan A services at 2× the daily rate
  • Home Health Aide — $100/day
  • Prescriptions — up to $600/year
  • Family caregiver $3,500 lump sum

📅 Best for

Most families who want solid coverage and a meaningful daily benefit without going to the maximum tier.

"I want real coverage that actually replaces what I'd spend on care." — Most popular plan
⭐

Plan C

$450/day max · $150/day aide

Plan C provides the highest daily benefit amounts available — up to $450/day combined. Designed for individuals who want maximum protection and the most generous prescription and aide coverage.

What's covered

  • Maximum daily benefits for all services
  • Home Health Aide — $150/day
  • Prescriptions — up to $900/year
  • Medical Social Services — $300/day

📅 Best for

Those who want the highest level of protection and the most comprehensive daily income replacement during recovery.

Daily Benefit Amounts by Service

ServicePlan APlan BPlan C
Skilled Nursing Care, RN$75$150$200
General Nursing (LPN/LVN)$60$120$200
Physical Therapy$75$150$200
Speech Pathology$75$150$200
Occupational Therapy$75$150$200
Chemotherapy Specialist$60$120$200
Enterostomal Therapy$50$100$200
Respirational Therapy$50$100$200
Medical Social Services$100$200$300
Home Health Aide$50$100$150

* Combined max daily benefit: Plan A $150 · Plan B $300 · Plan C $450. Max benefit period: 360 days.

Additional Benefits to Choose From

Customize your policy with optional riders for even more protection.

Accident and Sickness Hospitalization Benefit Rider
Dental and Vision Benefit Rider
Critical Accident Benefit Rider
Ambulance Benefit Rider
Return of Premium Rider

Not sure which plan fits you?

Answer a few quick questions and a licensed agent will reach out with your personalized options — no obligation, no pressure.