Benefits Dictionary

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The Long-Term Care Insurance Benefits Dictionary

In simple language this guide tells you about:

Policy Gatekeepers, Definitions of Benefits, Alternate Care Benefits, Home Health Care, Adult Day Care, Hospice Care, Bed Reservation, Recurring Conditions, Return of Premium, Paid up Premiums, Waiver of Premiums, How to File a Claim, Exclusions and Limitations and Much, Much More

Accelerated Death Benefit	Activities of Daily Living (ADL)	Actual Charges
Actual Expense Based on Reasonable and Customary Charges	Acute Care	Adult Day Care
Adult Day Care Centers	Adult Foster Care	Age Restrictions
Ageism	Aging In Place	Alternate Care Benefit
Alternate Care Facilities	Alternate Care Facility	Alternate Plan of Care
Alzheimer's Disease	Alzheimer's Units	Ambulatory Care
Ancillary Services	Aphasia	Assessment
Assisted Living Facility	Bed Reservation Benefits	Benefit Limits
Benefit Multiplier	Calendar Year	Care Advisory Benefit
Caregiver	Caregiver Training	Carrier Evaluation, Criteria And Payment Process
Case Managers	Catastophic Illness	Chore Services
Chronic Care	Chronically Ill	Co-Payment
Cognitive Impairment	Cognitive Loss	Coinsurance
Confined Hospice Care	Conformity With State Statutes	Congregate Housing
Consumer Price Index	Continual One-To-One Assistance	Continuation For Alzheimer's Disease
Continuation For Cognitive Impairments Provisions	Continuing Care Retirement Community	Contract
Convalescent Care Facility	Coordination Of Benefits	Covered Home Health Care Services (Nonconfined) Benefits
Covered Nursing Care Facility (Confined) Benefits	Covered Person	Criminalization
Custodial Care	Daily Maximum	Deferred Option
Dementia	Determining Policyholder's Total Policy Benefits	Determining Policyholder's Total Policy Premiums
Diagnostic Related Groups	Discharge Planning	Discount Rate
Durable Medical Equipment	Durable Power of Attorney	Eldercare Locator
Elimination Period (Deductible Period)	Equipment Purchases	Exclusions and Limitations(What's Not Covered)
Extension of Benefits	Frail Elderly	Free-Look Period
Functional Age	Functionally Dependent Elderly	Functionally Disabled
Gatekeepers	Generic Drugs	Geriatrics
Geriatrics Manager	Governing Jurisdiction	Grace Period
Group LTC Insurance	Guaranteed Increase Option	Guaranteed Renewable For Life
HIPAA	Health Care Surrogate	Home Care Agency
Home Health Aide	Home Health Care	Home Health Care
Home Hospice Care	Home Recovery Benefits	How To Appeal
Immediate Family	Income Rules	Incontinence
Indemnity Benefit	Inflation Rate	Informing The Carrier Of A Claim
Institutionalization	Instrumental Activities of Daily Living (IADL's)	Intermediate Care
Intermediate Nursing Care	Irrevocable Trusts	Joint Commission On Accreditation of Healthcare Organizations (JCAHO)
Legal Action	Level Premium	Lifetime Waiver of Premium For Survivor
Living Will	Long Term Care	Loss Ratio
Managed Care	Meals On Wheels	Medicaid
Medical Underwriting	Medically Necessary	Medicare
Medicare Risk Plan	Medigap	Mental and Nervous Disorders
Misstatements of Age	National Association of Insurance Commissioners (NAIC)	National Institute on Aging
Non-duplications of Benefits	Non-Qualified Policies	Noncancellable
Nonforfeitures Benefits	Nonparticipating	Occupational Therapy
Out of Pocket Expenses	Paid Up Benefits	Paid Up Premiums
Partnerships	Paying Premiums	Payment Of Claims
Period of Care	Personal Benefit Account	Personal Care
Physical Examinations	Physical Therapy	Physician Assistant
Policy	Policy Taking Effect	Policyholder's Role
Pre-Existing Conditions	Preferred Provider Organization((PPO)	Premiums Paid Beyond the Policyholder's Death
Premiums	Prescription Drug	Prevailing Expenses
Prior Care Requirements	Professional Care	Rating Class
Recurring Condition	Rehabilitation	Reimbursement
Reinstatement	Respiratory Therapy	Respite Care
Restoration Benefits	Return Factor	Return of Premium
Revocable Trusts	Right To Cancel At Any Time	Sandwich Generation
Schedule of Benefits	Senescence	Senile Dementia
Service Plan	Severe Cognitive Impairment	Short Term Stay
Skilled Care	Skilled Nursing Care	Social Services
Speech Therapy	Spend Down	Spousal Impoverishment Act
Standby Assistance	Subacute Care	Substantial Assistance
Substantial Supervision	Survivor Benefits	Tax-Qualified Policies
Temporary Insurance	Temporary Insurance	Time Involved For Payment Of Claim
Time Limit On Certain Defenses	Time Periods	Trusts
Underwriters	Underwriting	Unearned Premium
Unpaid Premiums	Waiver of Premium	When To File