Activities of Daily Living (ADLs):
Everyday functions and activities such as bathing, continence, dressing, eating, toileting and transferring. The inability to perform two of more of these activities can determine when benefits are paid.
Adult Day Care:
Care given during the day at a community-based center for adults who need help or supervision during the day, but don’t need 24-hour care.
Assisted Living Facility:
A residential development that provides health care and personal care services for those who need some help with activities of daily living, but don’t need the level of assistance a nursing home provides.
How an insurer determines when benefits are paid, such as the inability to perform two or more activities of daily living, or the need for substantial supervision due to dementia or Alzheimer’s disease.
Also called a waiting period, this is the length of time an insured must pay for covered long term care services before the insurance company begins to pay benefits. In general, lengthening the elimination period on a policy lowers the premium.
A policy that an insurance company must renew unless the benefits have been exhausted or the premiums have not been paid.
Home Health Care:
Services in the home, including nursing care, medical care, therapy, and household tasks.
Care designed to reduce discomfort for a patient who isn’t expected to live very long.
A policy option that increases benefit levels to cover expected increases in long term care costs.
A licensed facility that provides care to those who are chronically ill or can no longer perform one or more activities of daily living.