Qualifying Long Term Care (LTC) Insurance Policies offer tax-deductible benefits. However, the overall expense may still be too much for many individuals. Short Term Care (STC) Insurance Policies have many of the same features as LTC Policies but are structured to meet needs for 12 months or less. STC Policies also are NOT eligible for a tax deduction but, generally, have a lower premium rate than LTC Policies. Our agents offer both types of policies and will work to structure a plan to fit your needs.