Group Short-Term Care Insurance
Underwritten by Guarantee Trust Life Insurance Company (GTL)


Home Care Secure – underwritten by Guarantee Trust Life Insurance Company, is a short term care indemnity insurance offering which provides weekly cash payments (up to 50 weeks) when you need help living at home. Payments are flexible and may be used to pay for home care services and other supports whether it’s just for a few weeks or for your ongoing needs.

Nearly 2/3 of Americans over the age of 65 will need help at some point to live at home*. The costs can be significant – nearly $50,000 on average** – which Medicare does not pay for. And if this help is not well planned or delivered, the risk of falls and injury can increase, which can result in a move from a cherished home to a nursing home.

Home Care Secure is available as part of membership in the Aging at Home Association, a non-profit association dedicated to helping anyone, at any age, create an informed plan to age at home and adjust it over time as needs and circumstances change. Membership with Home Care Secure provides both insurance coverage and tools, resources, discounts and special values designed to support long term aging in the home and overall well-being. Purchase of Home Care Secure is not required to be a member of the Aging at Home Association.”

Introducing Home Care Secure Underwritten by Guarantee Trust Life Insurance Company:
Weekly cash payments ranging from $400 – $1,200 for up to 50 weeks to help pay for home care and other supports at your times of need.
Lifetime maximum benefits ranging from $20,000 – $60,000
Five question eligibility process with simplified underwriting
Guaranteed renewable
One Lifetime Maximum Benefit buy-up option, up to $60,000 after year 3.
Optional Simple Inflation Protection Rider can help your benefits keep pace with rising home health care expenses, after Graded Benefit Percentage reaches 100%.
Claim Eligibility process. Inability to perform 2 of 6 Activities of Daily Living (ADLs) or be certified as Cognitively Impaired. Must receive home health care services 3x per week and submit Plan of Care. For more information, please see definitions of ADLs on our Home Care Secure Terms and Conditions Page
Available as Part of Membership in The Aging at Home Association:
Assessments – to measure your well-being over time.
Tools and Guidance – to create an informed plan for aging at home
Available Coordination Services – to help you find, schedule, and manage your care team
Access to Discounts and Special Values – including free in-home telehealth visits


Use our Quote tool: to price your membership with Home Care Secure.

Choose your coverage amount – anywhere from $20,000 – $60,000 (in $10,000 increments).

* U.S. Administration on Aging, U.S. Department of Health and Human Services, 2017

** ASPE Issue Brief, Long Term Services and Supports for Older Americans – Risks and Modeling. Revised February 2016

Home Care Secure, Group Short-Term Care insurance, is issued on Policy/Certificate Form Series GP-2070/GC-2070, and Rider Form Series RG20IP by Guarantee Trust Life Insurance Company, Glenview, IL. This product, its features, and riders are subject to state availability and may vary by state. Certain exclusions and limitations may apply. For cost and complete details of coverage, please contact us or your agent.

GTL and their licensed agents are not connected with or endorsed by the US Government or the Federal Medicare Program.