Short Term Recovery Insurance

Short Term Recovery Insurance  


At a Glance

When you're recovering at home after a hospital stay, you want to keep your self-reliance, stay in control of your health care choices, and get well quickly. But without a backup plan, you may find out too late that you can't afford the home recovery care you want. You could end up settling for home health care that's just not up to your standards.

You could use your savings or retirement income to help pay for home recovery care or you can enroll in your association's Short Term Recovery Insurance Plan. This member benefit was designed to help with expenses Medicare may not cover. (Medicare covers a lot, but it was never meant to cover everything.)

The Short Term Recovery Insurance Plan provides cash benefits for Hospitalization for a covered injury or sickness ($750.00 when you're admitted to a Hospital as an Inpatient for at least one day; if your Hospital stay exceeds 14 days, an additional $500.00; after 30 days in the Hospital you'll collect another $200.00 for a total of $1,450.00), plus up to $8,000.00* each year ($200.00 a day) for your recovery afterward. The recovery benefit is provided for services including physical therapy, occupational therapy, speech therapy, nursing care, companion services, home health and homemaker services.

*At age 80 the home recovery care benefit would reduce to an annual maximum of $4,000.00 for covered services.

Enrollment Form & Brochure

Tell Me More

All about your valuable member benefit
As you probably know, Medicare is generous in what it pays for. But, it was never designed to cover everything. Home recovery care, including home nursing service, physical and occupation therapy, speech therapy, companion care, home health care and homemaker services are frequently not fully covered by Medicare. That's why your alumni association endorses the Short Term Recovery Insurance Plan for its members.

EXCLUSIVELY available to members age 65+
This benefit is not available to the general public. You’d be hard pressed to find it on your own in the general marketplace. This plan was designed for retired members and their spouses age 65 and over enrolled in Medicare to help pay for home recovery expenses Medicare doesn’t cover.

How your Recovery Plan works
The Association Short Term Recovery Plan (Recovery Plan) has two parts: a Hospital Income/Skilled Nursing Facility Benefit and a separate Home Recovery Care Benefit.

Cash benefits for Hospital Stays 
With the Recovery Plan Hospital Benefit, you’d collect $750.00 once you’re admitted to a Hospital or a Skilled Nursing Facility for at least one day for a covered Sickness or Injury - regardless if you need home recovery care later.

And, if you find you need longer care, you’d collect an additional $500.00 after 14 days in the Hospital or Skilled Nursing Facility, and another $200.00 after 30 days in the Hospital! That’s up to $1,450.00 in cash benefits you could get paid to use toward your recovery care. Benefits are paid directly to you or to anyone you designate.

Cash benefits for Home Recovery
The association Home Recovery Care Benefit pays you $200.00 in cash benefits for each day you incur a covered home recovery care expense, starting with the very first day. Benefits are paid up to 40 days per year (maximum 20 days per occurrence). That’s up to $8,000.00 in lump sum cash benefits paid directly to you — or you may assign benefits to be paid directly to the Hospital or any other health care facility in which you received care.

This benefit would be paid in addition to any other insurance coverage you may have.

When your Home Recovery benefits kick in 
You’d get paid cash benefits once Medicare or TRICARE approves just one home recovery care your doctor recommends. That’s all there is to it.

Why should you consider this coverage?
When you recover from an Injury, surgery or Sickness, you’ll want to stay independent and in better control of your care. This Recovery Plan can help you afford that peace-of-mind.

Affordable group rates 
This plan was carefully created so you can get benefits that you may need. Affordable monthly rates start at $19.95. Check out how affordable your rate is:

Monthly Rates

Age Member or Spouse
65-69 $19.95
70-74 $27.95
75-84* $39.95
85+* $47.95

For your convenience, you’ll be billed quarterly. You cannot be singled out for a rate increase. Rates and/or benefits may be changed on a class-wide basis. Rates are based on your attained age and increase as you enter a new age category.

*At age 80 the home recovery care benefit would reduce to an annual maximum of 20 days or $4,000.00 for covered services.

If applicable, an additional $2 billing fee will be included on your billing notice payable to the administrator. To save the fee, select Electronic Funds Transfer (EFT) as a safe and secure payment option.

Your coverage cannot be cancelled due to health or age
Your protection starts as soon as the first day of the month after we receive your Confirmation Form and first premium payment. Then, you can keep your Recovery Plan as long as you want. Your coverage won’t end due to age. Your spouse’s coverage ends when your coverage terminates, premiums are not paid, or the date you and your spouse are legally separated or divorced from one another. As long as the Master Policy remains in force, you only need to pay your premiums when due and remain an alumni association member to keep your protection.

Satisfaction Guaranteed 
We’ll send you an official Recovery Plan Certificate of Insurance confirming your enrollment. Take up to 30 days to decide if the plan is right for you. If you like what you see, pay your premium. If not, let us know and we’ll cancel your enrollment. No questions asked.

Pre-Existing Conditions Limitation
A Pre-Existing Condition means any Injury or Sickness, diagnosed or undiagnosed, for which medical care is received by a covered person within the 6-month period prior to the covered person’s effective date of insurance. During the first 6 months of a covered person’s insurance, losses incurred for Pre-Existing Conditions are not covered. This will not apply to loss that the covered person incurs after being free of medical care for the condition for a 6-month period (ending any time on or after his or her effective date).

This Plan does not cover intentionally self-inflicted Injuries, suicide or attempted suicide, whether sane or insane (while sane in Missouri and Colorado); any loss caused or contributed to by war or act of war, whether war is declared or not.

Confined or Confinement means being an inpatient in a Hospital due to Sickness or Injury.

Skilled Nursing Facility and Hospital do not mean any institution or part thereof used primarily as: a rest home or convalescent home; a home for the aged or a place for rest of custodial care; a clinic; or a place for the care of drug addicts, alcoholics, or the mentally ill.

Periods of confinement in a Hospital separated by less than 90 days and due to the same or related causes are considered part of the same Period of Confinement.

This Plan Is Underwritten by Harford Life and Accident Insurance Company, Hartford, CT 06155.

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the Association and Society Group Insurance Trust. This program may vary and may not be available to residents of all states.

Policy Form #SRP-1151 A (HLA) (5476)



This is not Medicare Supplement Insurance

This insurance pays a fixed dollar amount, regardless of your expenses, for each day you meet the policy conditions. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement Insurance.

This insurance duplicates Medicare benefits when:
any expenses or services covered by the policy are also covered by Medicare.

Medicare generally pays for most or all of these expenses.

Medicare pays extensive benefits for medically necessary services regardless of the reason you need them.

These include:

  • hospitalization
  • physician services
  • hospice
  • other approved items and services

Before You Buy This Insurance Check the coverage in all health insurance policies you already have.

For more information about Medicare and Medicare Supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.

For help in understanding your health insurance, contact your state insurance department or state senior insurance counseling program.




This limited health benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.


Hospital Income and Short Term Recovery Insurance  - FAQs

  • Do I have to meet with an insurance agent?

    Issuance of this policy is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a licensed representative if you'd like. Please view the Contact Us section for the toll-free number.
  • How does this plan work?

    The Short Term Recovery Plan pays you or anyone you choose cash benefits once you're admitted to the Hospital as an Inpatient.

    This plan pays a benefit that can be applied toward home health care expenses when you're recovering at home after the Hospital stay. You'd receive benefits that can be applied toward physical, speech and occupational therapy. Nursing services by a Registered Nurse (RN) and Licensed Practical Nurse (LPN) are also covered. 

    In some cases, you may need personal care after your Hospital stay as well. The Short Term Recovery Plan can help to pay when a Home Health Aide comes to assist you with items such as bathing and getting dressed. It can even help cover homemaker services if you need someone to help with your laundry, shopping, cleaning and cooking.
  • How soon can my protection start?

    Your protection starts as soon as the first day of the month after we receive your Confirmation Form and first premium payment.
  • What benefits would I collect?

    The plan would pay cash benefits for your hospitalization for a covered Sickness or Injury and your recovery afterward:

    1. Hospital Benefit: You'd collect $750.00 when you're admitted to a Hospital as an Inpatient for at least one day, regardless of whether you need home recovery care later. If your Hospital stay exceeds 14 days, you'd get an additional $500.00. After 30 days in the Hospital, you'd collect another $200.00.
    2. Home Recovery Care Benefits: You'd collect $200.00 a day for each day you incur a covered home health care expense. Benefits are paid to you or anyone you choose for benefit periods, up to 40 days* per Accrual Year. (Maximum of 20 days per occurrence.)

    That's up to a total of $8,000.00* per year, for the home recovery care you need. Plus, your Hospital Benefit is unlimited in the number of times you can collect it as long as your Periods of Confinement are unrelated and separated by more than 90 days. 

    Conditions for which you've received medical care or treatment in the 6 months before your effective date will be covered after you've been in the plan for 6 months; or when you've gone 6 months without treatment for the condition, whichever is sooner.

    * At age 80, Home Recovery Care Benefits reduce to 20 days per Accrual Year (one benefit period) and an annual maximum of $4,000.

  • What if I have second thoughts after I enroll?

    You will have 30 days from the date of receipt to review the insurance Certificate. If you are not satisfied with the terms of the Certificate, simply return it to the Insurance Administrator and any premiums paid will be refunded in full, minus any claims paid.
  • When does my protection end?

    You can keep the Short Term Recovery Plan as long as you want. Your coverage won't end due to age. At age 80, home health benefits reduce from an $8,000.00 per year maximum to a $4,000.00 per year maximum. As long as the Master Policy remains in force, you only need to pay your premiums when due and remain an association member to keep your protection. A member's spouse's coverage ends when the member's does, the Master Policy terminates, when premiums are not paid. Your spouse can not be legally separated or divorced from you.
  • Who can sign up?

    All active members of a Participating Organization who are age 65 to 99 and their spouses who are enrolled in Medicare or Tricare are guaranteed acceptance into this plan subject to the Pre-existing Conditions Limitation.
  • Will acceptance into this plan always be guaranteed?

    We're hopeful it will be. However, it's unclear at this point whether underwriting will be necessary in the future for you to qualify. 

    This means now is the perfect time to get in on the plan, when you can't be turned down for any reason (subject to the Pre–existing Conditions Limitation).


Hospital Indemnity Form Series includes SRP-1151, or state equivalent


We're here to help! Please contact us in whatever manner is most convenient for you.

4050 114th Street
Urbandale, Iowa 50322
1-888-560-ALUM (2586)
 M-F 8:15a-5p CST
 Insurance Company
Hartford Life and Accident Insurance Company
Hartford Life Insurance Company
One Hartford Plaza
Hartford, CT 06155