Providing for honest things, not only in the sight of the Lord, but also in the sight of men.

To help you understand long-term care and long-term care insurance, we have provided below a general explanation of some frequently used terms. Note that the exact definitions of these terms can vary from company to company, from state to state, and from policy form to policy form, even between forms of the same company. Always consult the actual policy for the meaning of the terms applicable to your situation.

Everyday functions and activities people usually are able to do without help. Includes bathing, continence, dressing, eating, toileting and transferring (moving in or out of a bed, chair or wheelchair).

Care provided during the day for adults, usually outside of the home in a group setting.

A residential living arrangement that can provide individualized care and health services for residents who need assistance with Activities of Daily Living. May also be called Custodial Care, Domiciliary Care, Intermediate Care, Personal Care, Residential Health Care, Sheltered Care or Supported Care Facilities

Services and supplies provided when living in one’s home, such as Home Health Care, Adult Day Care, Hospice Care and Respite Care.

An instructional program for the training of an informal caregiver (Husband, wife, adult child or other relative or friend) whose caregiving will allow a patient to remain at home instead of entering a long-term care facility. This type of training is typically provided by home health care agencies or other Qualified Home Health Care Providers, nursing homes, hospitals or other health care agencies or professionals.

A deficiency in a person’s memory; orientation as to person, place or time; deductive or abstract reasoning; or judgement as it relates to safety awareness.

Custodial Care (Also called Personal Care)

Care to help people perform Activities of Daily Living that can be provided by someone without professional medical training.

The length of time for which a long-term care insurance policy will not pay benefits for services covered by a policy. The longer the elimination period, the lower the premium.

The types of expenses that are not covered by a policy.

A person’s inability to perform a number of those Activities of Daily Living specified in a Long-Term Care insurance policy.

Means that an insurance policy cannot be cancelled, terminated, changed or reduced if all renewal premiums are paid on time.

A licensed or certified home care worker, other than a doctor, nurse or therapist, who assists patients in performing the Activities of Daily Living.

A variety of services and supplies provided in the home, such as visits by nurses, Home Health Aides and physical, occupational, speech and inhalation therapists, Homemaker Services, drugs, medicines, medical supplies and lab services as well as durable portable therapeutic equipment.

Includes domestic, laundry and cleaning services; food shopping and errands; meal preparation and cleanup and transportation assistance to and from medical appointments.

Care provided for pain and symptom management associated with a terminal illness and any related conditions. Normally provided by an agency that specializes in providing pain relief, symptom management and support services to dying persons and their families.

Occasional nursing and rehabilitative care performed by, or under the supervision of, skilled medical personnel.

An insurance policy option that calls for regular increases in benefit limits to help offset the future increases in long-term care expenses.

A reduction in the insurance policy premium when both spouses have Long-Term Care coverage.

Services and supplies which are provided in accordance with accepted medical practice; and as are required by the patient’s condition. It doesn’t include care that exceeds the scope, duration or intensity needed to provide safe, adequate and appropriate care; nor does it include treatment provided solely for someone’s convenience.

An insurance policy option that will waive the surviving spouse’s future premiums upon the death of the other spouse. A minimum duration of continuous coverage under the policy by both spouses may be required in order for the benefit to be applicable.

A person or organization licensed or certified to provide Home Health Care services.

Professional care provided on a short-term basis for the purpose of temporarily relieving unpaid caregivers, such as family members or friends.

An insurance policy feature that will bring a policy’s maximum benefit amounts back to the level that would apply if policy benefits hadn’t been paid.

Daily nursing and rehabilitative care that can be performed only by, or under the supervision of, skilled medical personnel.

A policy that conforms to certain standards in federal law offering federal income tax advantages.

Third Party Notice (Authorized Designee)

An insurance policy feature that lets the policyholder name someone who the insurance company would notify if the policy is about to lapse because the premium hasn’t been paid on time.

An insurance policy feature that suspends the premium payment requirement while policy benefits are being paid.