Thanks for the answer @ToddL99, this is good to hear. However, just to confirm, it appears that there are a lot of rules and nuances about when long term care (LTC) insurance premiums are deductible. Unlike medical insurance and long term care insurance, short term/recovery care policies are often not heavily regulated (if regulated at all), and as a result, it would be difficult to determine if the same rules and nuances that apply to LTC also apply to short term care premiums. Therefore, is it fair to say that any and all short term care / recovery insurance premiums are tax deductible to the same degree as a run of the mill medical insurance policy?
