Long-term care insurance is a desirable product for many, but it is not for everyone. For some, it is too expensive. Others want it but are declined coverage due to stringent medical underwriting requirements. Still others may be older than the “ideal” age to purchase it. For those who are still seeking affordable protection to help with long-term care costs there is another viable option—Short-Term Care/Recovery Care Insurance. Having available resources to help pay for care for up to a year, instead of paying for all care out-of-pocket not only helps financially, it buys precious time for a family to make permanent plans and arrangements for their loved one.