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
• act
• actively at work or active work
• activities of daily living (ADLs)
• acute care
• adult day care
• adult day care center
• alternate plan of care
• Alzheimer's disease
• annuitant
• application
• assisted living facility
• Automatic Compound Inflation Option (ACIO)

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B

• bathing
• bed reservations
• benefit(s)
• benefit amount
• benefit booklet
• benefit period
• benefit trigger

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C

• care coordination
• care coordinator
• care planning visit
• caregiver training
• catastrophic event
• certificate of insurance
• chronic care
• chronically ill
• claim
• commission
• community-based services
• comprehensive option
• concealment
• contest the validity
• continence
• contingent nonforfeiture
• covered services
• custodial care

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D

• daily benefit amount (DBA)
• declination
• domestic partnership
• dressing
• durable medical equipment

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E

• eating
• eligible group
• elimination period (deductible)
• emergency medical response system
• employee
• exclusions
• existing enrollee

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F

• facilities-only option
• family members
• Federal Long Term Care Insurance Program (FLTCIP)
• FLTCIP 1.0
• FLTCIP 2.0
• formal care
• formal care giver
• free look
• full underwriting
• Future Purchase Option (FPO)

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G

• grace period
• group policy
• guaranteed renewable

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H

• Health Insurance Portability and Accountability Act (HIPAA)
• home
• home care
• home care agency
• home health aide
• home modifications
• home safety check
• homemaker
• homemaker services
• hospice
• hospice care
• hospital

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I

• inflation protection
• inflation rate
• informal care
• informal caregiver
• insured
• insurer
• intermediate care
• 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 (MLB)
• Medicaid (Medi-Cal)
• medical underwriting
• Medicare
• Medicare supplement insurance (Medigap)
• Member of the Uniformed Services
• misrepresentation

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N

• National Association of Insurance Commissioners (NAIC)
• new enrollee
• nonforfeiture
• nurse
• nursing care
• nursing home

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O

• OPM
• original effective date

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P

• personal care
• physician
• plan of care
• policy
• policy holder
• pool of money
• portable coverage
• preexisting condition
• premium

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Q

• qualified long term care services
• qualified relative

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R

• rate
• renewal
• respite care
• respite services
• Retired Member of the Uniformed Services
• rider

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S

• schedule of benefits
• severe cognitive impairment
• signed
• skilled care
• skilled nursing care
• social worker
• spend down
• spousal benefits
• 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
• United States
• unlimited benefit period

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V

• void

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W

• waiting period
• waiver of premium
• weekly benefit amount
• workforce
• written or writing

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