Glossary of Terms

The definitions contained in this glossary are intended to assist you in understanding some of the terminology used on this website. If a defined term differs from the one used in your certificate, the certificate definition controls.

Click on the word to read its definition.

A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z
 

A

• Abbreviated Underwriting
• Activities of Daily Living (ADLs)
• Acute Care
• Adult Day Care
• Alternate Plan of Care
• Alzheimer's Disease
• Annuitant
• Assisted Living Facility
• Automatic Compound Inflation (ACI)

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B

• Bed Reservations
• Benefit(s)
• Benefit Amount
• Benefit Booklet
• Benefit Period
• Benefit Trigger

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C

• Care Coordination Services
• Care Coordinator
• Caregiver
• Caregiver Training
• Catastrophic Event
• Certificate of Insurance
• Chronic Care
• Chronically Ill
• Claim
• Cognitive Impairment
• Commission
• Community-Based Services
• Comprehensive Option
• Concealment
• Contest the Validity
• Continence
• Contingent Non-forfeiture
• Covered Services
• Custodial Care

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D

• Daily Benefit Amount
• Declination

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E

• Effective Date
• Eligible Group
• Elimination Period
• Exclusions

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F

• Facilities-Only Option
• Family Member
• Federal Program
• Formal Care
• Free-Look Period
• Full Underwriting
• Future Purchase Option

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G

• Grace Period
• Group Policy
• Guaranteed Renewable

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H

• Hands-On Assistance
• Health Insurance Portability and Accountability Act (HIPAA)
• Home Care
• Home Health Aides
• Homemaker Services
• Hospice Care

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I

• Inflation Protection
• Inflation Rate
• Informal Care
• Informal Caregiver
• Insured
• Insurer
• International Benefits

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L

• Lapse
• Licensed Health Care Practitioner
• Life Expectancy
• Long Term Care
• Long Term Care Insurance
• Long Term Care Partners

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M

• Maintenance or Personal Care
• Material to Your Insurability
• Maximum Lifetime Benefit
• Medicaid (Medi-Cal)
• Medicare
• Member of the Uniformed Services
• Medicare Supplement Insurance (Medigap)
• Misrepresentation

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N

• National Association of Insurance Commissioners (NAIC)
• Non-forfeiture
• Nurse
• Nursing Care
• Nursing Home

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O

• OPM
• Original Effective Date

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P

• Personal Care
• Plan of Care
• Policy
• Policy Holder
• Pool of Money
• Portable Coverage
• Premium

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Q

• Qualified Long Term Care Services
• Qualified Relative

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R

• Rate
• Renewal
• Respite Services
• Retired Member of the Uniformed Services
• Rider

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S

• Schedule of Benefits
• Severe Cognitive Impairment
• Skilled Nursing Care
• Spend Down
• Spousal Benefits
• Standby Assistance
• Substantial Assistance
• Substantial Supervision
• Supplemental Security Income (SSI)

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T

• Tax-Qualified
• Terminal Illness or Terminally Ill
• Therapist
• Therapy Services
• Toileting
• Transferring

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U

• Underwriting
• Unlimited Benefit Period

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W

• Waiting Period
• Waiver of Premium
• Weekly Benefit Amount

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