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Short-term vs. long-term care insurance: Which option is right for you?
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The high cost of long-term care, whether it’s nursing home or caretaker services, can be financially devastating for seniors. Depending on the level of help you need, it could mean paying anywhere from $2,000 to $10,000 per month or more — or about $24,000 to $120,000 per year, according to data from Genworth.
While Medicare won’t cover the majority of these costs, some insurance plans — called long-term care insurance or short-term care insurance — will. That said, these two options differ in terms of cost, coverage, eligibility requirements and other important factors, so it’s important to understand how each type of policy works before deciding which one is best for you.
Interested in what long-term care insurance can offer you? Compare your policy options now.
Short-term vs. long-term care insurance: Which option is right for you?
Here’s what to know about long-term and short-term care insurance — and which may be right for your situation.
The length of care matters
As the names suggest, short-term care insurance provides coverage for a shorter period of time — typically up to one or two years on average. Long-term care insurance, on the other hand, can be used for much longer periods.
“It’s designed for extended care needs,” says Susana Zinn, an independent life insurance agent in Miami, Florida. “It covers services for several years or even for life.”
For example, if you and your spouse or partner both need nursing home or caretaker services, or expect to need them in the future, long-term care coverage could be the better choice.
“Long-term care insurance can offer richer benefits that last longer and have more options for couples doing this together,” says Mark Baron, owner of Baron Long-term Care Planning.
Find out what your long-term care insurance options are and get coverage today.
One may be easier to qualify for than the other
If you have existing medical conditions or are worried about qualifying for insurance, a short-term policy is usually best, experts say.
“Short-term policies typically require a simple health survey with yes/no questions, making it relatively easy to qualify,” says Matthew Cleary, a financial planner at Sentinel Benefits & Financial Group. “Long-term care policies involve a more rigorous underwriting process.”
This might include detailed applications, a thorough review of your medical records and stricter qualification criteria, Cleary says.
“Neither type of plan will consider someone already receiving care in a nursing home or who has a diagnosis of Alzheimer’s, but short-term care is very flexible in many cases,” Baron says.
There’s a significant cost difference
Short-term care policies are priced based on a daily rate, and according to Zinn, you can typically expect to pay between $50 to $200 per month, depending on the policy and your age/health. Long-term care policies, on the other hand, cost between $100 to $500 per month, she says.
Because of these discrepancies, short-term policies may be best if you’re on a tight budget.
“For those unable to afford a long-term care policy, short-term insurance can provide a smaller amount of coverage to lessen the burden of a medical event,” Cleary says.
If you continue to need care beyond the short-term policy’s limits, you can take out a new short-term policy. That can be a smart fix to consider if long-term policy costs are still out of reach.
“You can piggyback a couple of short t-rm care plans and have one take over when the first one is exhausted,” Baron says.
You may not have short-term care options in your area
While long-term care insurance policies are available widely, short-term options aren’t as common.
“A major problem with short-term care insurance is that there are significant regions of the country where short-term care insurance is not available,” Baron says. “Most of the northeast doesn’t offer it because the state insurance divisions have never approved these products for sale.”
If you’re unsure as to whether short-term policies are an option in your area, talk to a local licensed insurance agent. They can help you compare the policies and premiums that are available to you.
Combining the two might be an option
In some cases, you may want to combine both short- and long-term policies, according to Cleary.
For example, with long-term policies, there is often a waiting period of 60 to 90 days before your benefits kick in. In this case, you may want a short-term policy to cover the gap.
“A short-term insurance policy can activate and cover costs during that interim,” Cleary says.
The bottom line
Both short- and long-term care insurance policies can be viable options to consider depending on your unique circumstances, needs and other factors. As with any financial product, though, it’s important to shop around for your insurance policies — whether it’s long-term or short-term coverage. During this process, be sure to get quotes from several providers and compare your coverage options and premiums.
CBS News
How to watch the Arizona Cardinals vs. Miami Dolphins NFL game today: Livestream options, more
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The Arizona Cardinals vs. Miami Dolphins NFL game will be played today. The Cardinals are taking on the Dolphins following a close 17-15 win over the Los Angeles Chargers — a big victory after a tough loss to the Green Bay Packers the game prior. The Dolphins were defeated 16-10 in their latest game to the Indianapolis Colts.
Here’s what to know on how and when to watch the Arizona Cardinals vs. Miami Dolphins game today, even if you don’t have cable.
How and when to watch the Arizona Cardinals vs. Miami Dolphins game
The Cardinals vs. Miami Dolphins game will be played on Sunday, October 27, 2024 at 1:00 p.m. ET (10:00 a.m. PT). The game will air on Fox and stream on Fubo and the platforms featured below.
How and when to watch the Arizona Cardinals vs. Miami Dolphins game without cable
You can watch Fox through several streaming services if it’s not included in your cable package or if you don’t have cable. All you need is an internet connection and the top options outlined below.
Watch the Arizona Cardinals vs. Miami Dolphins game for free with Fubo
Fubo, a contract-free live TV streaming service offering comprehensive sports coverage, gives you an easy, user-friendly way to watch NFL games on CBS, Fox, NBC, ABC, ESPN and the NFL Network, plus NCAA football channels. The Pro tier ($80/month, first month $50) includes 200+ channels and unlimited DVR, while the Elite with Sports Plus tier ($100/month, first month $70) adds NFL RedZone and 4K resolution. New subscribers get a seven-day free trial and $30 off their first month, with all plans allowing streaming on up to 10 screens simultaneously.
Watch today’s Arizona Cardinals vs. Miami Dolphins game on Sling
One of the most cost-effective ways to watch major sporting events is through a subscription to Sling’s Orange + Blue tier ($60/month, currently half-off first month at $30), which includes ESPN, ABC, NBC, and Fox. The plan offers 46 channels with local NFL games, nationally broadcast games and 50 hours of DVR storage. For complete NFL coverage, add Paramount+ to get CBS games, or upgrade with the Sports Extra add-on for additional sports channels like Golf Channel, NBA TV and NFL RedZone.
Watch the Arizona Cardinals vs. Miami Dolphins game on Hulu + Live TV
You can watch NFL games, including Fox broadcasts, with Hulu + Live TV, which includes 90 channels, unlimited DVR storage, and access to NFL preseason games, live regular season games and studio shows. The service costs $77 per month (with a three-day free trial) and includes ESPN+ and Disney+ in the subscription.
Want to watch today’s game live on your smartphone? The NFL+ streaming service ($40/year or $7/month) lets you watch NFL Network and out-of-market games on mobile devices, with an upgrade option to NFL+ Premium that includes NFL RedZone for watching up to eight games simultaneously. Note that NFL+ only works on phones and tablets, not TVs.
CBS News
How to watch the Baltimore Ravens vs. Cleveland Browns game today: Livestream options, more
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The Baltimore Ravens vs. Cleveland Browns game will be played today. The game will be played at Huntington Bank Field in Cleveland, Ohio. It’ll mark the second time in less than a week that the Ravens have hit the field after playing the Tampa Bay Buccaneers on Monday. The Browns, meanwhile, are coming off an October 20 loss to the Cincinnati Bengals and are just 1-6 so far this season.
Keep reading to find out how and when to watch the Baltimore Ravens vs. Cleveland Browns game today, even if you don’t have cable.
CBS, Paramount+ and CBS Essentials are all subsidiaries of Paramount Global.
How and when to watch the Baltimore Ravens vs. Cleveland Browns game today
The Baltimore Ravens vs. Cleveland Browns game will be played on Sunday, October 27, 2024 at 1:00 p.m. ET (10:00 a.m. PT). The NFL football game will air on CBS, and stream on Paramount+ and the platforms featured below.
How and when to watch the Baltimore Ravens vs. Cleveland Browns game without cable
While CBS is available with many basic cable packages, you don’t need to worry if you don’t have access. Whether you have cable or have completely cut the cord, the game will be available with a variety of other options. Just note that the below streaming options will require the use of an internet provider:
Paramount+: Watch CBS-aired NFL games without cable
With Paramount+ you’ll have multiple viewing options to choose from. You can catch NFL games on the Paramount+ Essential tier for just $7.99 each month or you can watch college football with a Paramount+ with Showtime subscription for $12.99 monthly. In addition to live streams of NFL games airing on CBS, you’ll get to watch additional live sporting events including NCAA college football, PGA Tour golf, soccer and more.
Get started with Paramount+ here today.
Amazon Prime Video: Add Paramount+ to your existing subscription
Already have an Amazon Prime Video account? Simply add Paramount+ to your current subscription to watch all the CBS-aired NFL games in addition to Paramount+ originals. The same prices from above apply, depending on which tier you choose. Not sure which is best for you? Don’t worry. Both options come with a free seven-day trial that can help you decide.
Watch the Ravens-Browns game on Amazon Prime Video.
Fubo: Watch the Ravens-Browns game for free
If you’re looking for an inexpensive way to watch a variety of football games, Fubo could be the best way to do so. The live TV streamer is currently offering a seven-day free trial and $30 off of your first month’s subscription. Once subscribed, you’ll gain access to all of their live sporting events immediately. And there will be a lot to choose from. Not only does Fubo come with access to NFL games airing on your local CBS channel, it also includes Fox Sunday NFC games, “Sunday Night Football” on NBC, “Monday Night Football” on ABC and ESPN and all of the games that air on the NFL Network. So don’t wait.
Get started with Fubo online now.
Waiting for the game to start? As the season rolls on you may want to stock up on the latest NFL gear and merchandise. Fanatics is a great way to do so. With the latest player t-shirts, jerseys, hoodies and more, there’s plenty of stuff in stock to keep you covered this season. But don’t wait much longer. As each week in the season passes by competition for this limited merchandise will increase. Don’t wait for it to sell out.
Head over to Fanatics now to check out the latest NFL fan gear drop.
CBS News
How to watch the New York Jets vs. New England Patriots game today: Livestream options, more
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The Northeast sports world is set to heat up today as the New York Jets take on the New England Patriots. The game will be played at Gillette Stadium in Foxborough, Massachussetts. Both teams are coming into the game looking for an edge. The Jets have lost their last four games and are just 2-5 this season while the Patriots are looking to snap a six-game losing streak. They’re just 1-7 so far this regular season.
Keep reading to find out how and when to watch the New York Jets vs. New England Patriots game today, even if you don’t have cable.
CBS, Paramount+ and CBS Essentials are all subsidiaries of Paramount Global.
How and when to watch the New York Jets vs. New England Patriots game today
The New York Jets vs. New England Patriots game will be played on Sunday, October 27, 2024 at 1:00 p.m. ET (10:00 a.m. PT). The NFL football game will air on CBS, and stream on Paramount+ and the platforms featured below.
How and when to watch the New York Jets vs. New England Patriots game without cable
While CBS is available with many basic cable packages, you don’t need to worry if you don’t have access. Whether you have cable or have completely cut the cord, the game will be available with a variety of other options. Just note that the below streaming options will require the use of an internet provider:
Paramount+: Watch CBS-aired NFL games without cable
With Paramount+ you’ll have multiple viewing options to choose from. You can catch NFL games on the Paramount+ Essential tier for just $7.99 each month or you can watch college football with a Paramount+ with Showtime subscription for $12.99 monthly. In addition to live streams of NFL games airing on CBS, you’ll get to watch additional live sporting events including NCAA college football, PGA Tour golf, soccer and more.
Get started with Paramount+ here today.
Amazon Prime Video: Add Paramount+ to your existing subscription
Already have an Amazon Prime Video account? Simply add Paramount+ to your current subscription to watch all the CBS-aired NFL games in addition to Paramount+ originals. The same prices from above apply, depending on which tier you choose. Not sure which is best for you? Don’t worry. Both options come with a free seven-day trial that can help you decide.
Watch the Jets-Patriots game on Amazon Prime Video.
Fubo: Watch the Jets-Patriots game for free
If you’re looking for an inexpensive way to watch a variety of football games, Fubo could be the best way to do so. The live TV streamer is currently offering a seven-day free trial and $30 off of your first month’s subscription. Once subscribed, you’ll gain access to all of their live sporting events immediately. And there will be a lot to choose from. Not only does Fubo come with access to NFL games airing on your local CBS channel, it also includes Fox Sunday NFC games, “Sunday Night Football” on NBC, “Monday Night Football” on ABC and ESPN and all of the games that air on the NFL Network. So don’t wait.
Get started with Fubo online now.
Waiting for the game to start? As the season rolls on you may want to stock up on the latest NFL gear and merchandise. Fanatics is a great way to do so. With the latest player t-shirts, jerseys, hoodies and more, there’s plenty of stuff in stock to keep you covered this season. But don’t wait much longer. As each week in the season passes by competition for this limited merchandise will increase. Don’t wait for it to sell out.
Head over to Fanatics now to check out the latest NFL fan gear drop.
How to watch the Arizona Cardinals vs. Miami Dolphins NFL game today: Livestream options, more
How to watch the Baltimore Ravens vs. Cleveland Browns game today: Livestream options, more
How to watch the New York Jets vs. New England Patriots game today: Livestream options, more
How to watch the Arizona Cardinals vs. Miami Dolphins NFL game today: Livestream options, more
How to watch the Baltimore Ravens vs. Cleveland Browns game today: Livestream options, more