Ancillary Services
In a Long-Term Care policy, it is coverage for items like physical, occupational, speech and respiratory therapies, wound care, medication management, supplies.
The Complete Glossary on Long-Term Care
Explore clear, easy-to-understand definitions of the terms and concepts that shape long-term care planning. Whether you’re researching coverage options, care types, or planning terms, our glossary helps you make sense of the details so you can plan with confidence.
Term of the Day
Personal Care
This is non-medical care and assistance needed to help a person perform activities of daily living and/or supervision and assistance for someone suffering from a severe cognitive impairment.
Categories
Topics
Care Types
Third Party Notification
A third-party notification is a built-in consumer protection feature in a Long-Term Care Insurance policy that allows the policyholder to designate one or more individuals to receive notice from the insurance company if the policy is in danger of lapsing due to non-payment of premiums.
Guaranty Association
The Guaranty Association is a state-mandated organization that protects policyholders in the event an insurance company becomes insolvent or is unable to fulfill its financial obligations.
physical therapist
A physical therapist is a licensed healthcare professional who helps patients improve movement, manage pain, and regain strength after an injury, surgery, or illness.
Telehealth
Telehealth is the delivery of health care services through digital technology — video, phone, remote monitoring, and secure messaging — without requiring an in-person visit. It is especially valuable for older adults facing mobility, transportation, or geographic barriers to care.
Suitability
States require insurance professionals to determine whether Long-Term Care Insurance is suitable for the consumer before recommending a policy.
Short-Term Health Insurance
Short-term health insurance is a temporary medical plan that covers you for a limited period, typically from a few months up to one year, depending on your state. You might use it to bridge a gap in coverage, such as between jobs or before Medicare eligibility begins.
Medication Management
Medication management refers to the process of organizing, monitoring, and administering medications safely, particularly for older adults who take multiple prescriptions, over-the-counter products, and supplements.
56 Percent Long-Term Care Risk Statistic
HHS research shows 56% of Americans turning 65 will need long-term care, using the federal HIPAA definition of disability: help with two or more activities of daily living or supervision due to severe cognitive impairment.
Companionship Services
Companionship services are non-medical support services designed to help older adults and individuals who need long-term care maintain social connection, emotional well-being, and independence — most often in their own homes.
Healthspan
The portion of a person's life during which they remain generally healthy, active, and free from serious chronic disease or disability.
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