Long-Term Care Glossary

The Glossary provides a quick review of the important terms and acronyms frequently used in long-term health care. This resource includes many commonly used terms for patients, families, and staff employed in long-term health care.

These definitions are intended to give you a broad understanding of the most commonly used terms used in long-term care. Always review an official definition as listed in a policy.

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s
A
Activities of Daily Living (ADL's)
Full Definition
Adult Day Care Center
Full Definition
Alternate Care Benefit
Full Definition
Alzheimer's Disease
Full Definition
Ancillary Services
Full Definition
Assessment
Full Definition
Asset-Based Long-Term Care Policy
Full Definition
Assisted Living Facility
Full Definition
B
Bathing
Full Definition
Bed Reservations Benefit
Full Definition
Beneficiary
Full Definition
Benefit Period
Full Definition
Benefit Triggers
Full Definition
C
Case Management/Care Management/Care Coordinator
Full Definition
Cash Benefit
Full Definition
Chronic Care
Full Definition
Chronic Illness Rider
Full Definition
Chronically Ill Individual
Full Definition
Claims Offset
Full Definition
Class
Full Definition
Co-Insurance
Full Definition
Cognitive Impairment
Full Definition
Community-Based Services
Full Definition
Compound Inflation
Full Definition
Comprehensive Policy
Full Definition
Continence
Full Definition
Contingent Nonforfeiture
Full Definition
Continuing Care Retirement Community (CCRC)
Full Definition
Convalescent Care Facility
Full Definition
Coordination of Benefits
Full Definition
CPI-Based Inflation
Full Definition
Criminalization
Full Definition
Custodial Care
Full Definition
D
Daily Benefit
Full Definition
Deficit Reduction Act (DRA)
Full Definition
Dementia
Full Definition
Durable Medical Equipment
Full Definition
E
Elimination Period
Full Definition
Exceptions/Exclusions
Full Definition
F
Facility Only Policy
Full Definition
Free-Look Period
Full Definition
Future Purchased Option (FPO)
Full Definition
G
Guaranteed Renewable Policy
Full Definition
H
Hands-on Assistance
Full Definition
Health Insurance Portability and Accountability Act (HIPAA)
Full Definition
Home Health Aide
Full Definition
Homemaker Service
Full Definition
Hospice Care
Full Definition
Hybrid Long-Term Care Policy
Full Definition
I
Incontinence
Full Definition
Indemnity Benefit
Full Definition
Inflation Protection
Full Definition
Informal Care
Full Definition
Instrumental Activities of Daily Living (IADL)
Full Definition
Intermediate Care Facility
Full Definition
Intermediate Nursing Care
Full Definition
International Benefits
Full Definition
L
Lapse
Full Definition
Lapse Protection
Full Definition
Lifetime Limits
Full Definition
Lifetime Maximum Benefit
Full Definition
Limited Payment Options
Full Definition
Long-Term Care (LTC)
Full Definition
Look-Back Period For Medicaid/MediCal/MassHealth
Full Definition
M
Medicaid (MediCal in California – MassHealth in Massachusetts)
Full Definition
Medically Necessary Care
Full Definition
Medicare
Full Definition
Medicare Supplement/Medigap
Full Definition
Mental and Nervous Disorders
Full Definition
Minimum Asset Allowance
Full Definition
Minimum Income Allowance
Full Definition
N
Nonforfeiture
Full Definition
Nursing Care Facility
Full Definition
P
Partnership Policies
Full Definition
Personal Care
Full Definition
Plan Of Care
Full Definition
Pre-existing Conditions
Full Definition
Premium
Full Definition
R
Rate Increase
Full Definition
Rate Stability Rules
Full Definition
Reimbursement
Full Definition
Respite Care
Full Definition
Restoration of Benefits
Full Definition
Return of Premium
Full Definition
Rider
Full Definition
S
Severe Cognitive Impairment
Full Definition
Shared Care
Full Definition
Simple Inflation
Full Definition
Skilled Care
Full Definition
Spend Down
Full Definition
Standby Assistance
Full Definition
Step-Down
Full Definition
Substantial Assistance
Full Definition
Substantial Supervision
Full Definition
Survivor Benefits
Full Definition
T
Tax-Qualified Policies
Full Definition
Toileting
Full Definition
Transferring
Full Definition
U
Underwriting
Full Definition
W
Waiver of Premium
Full Definition
A
Activities of Daily Living (ADL's)
Full Definition
Adult Day Care Center
Full Definition
Alternate Care Benefit
Full Definition
Alzheimer's Disease
Full Definition
Ancillary Services
Full Definition
Assessment
Full Definition
Asset-Based Long-Term Care Policy
Full Definition
Assisted Living Facility
Full Definition
B
Bathing
Full Definition
Bed Reservations Benefit
Full Definition
Beneficiary
Full Definition
Benefit Period
Full Definition
Benefit Triggers
Full Definition
C
Case Management/Care Management/Care Coordinator
Full Definition
Cash Benefit
Full Definition
Chronic Care
Full Definition
Chronic Illness Rider
Full Definition
Chronically Ill Individual
Full Definition
Claims Offset
Full Definition
Class
Full Definition
Co-Insurance
Full Definition
Cognitive Impairment
Full Definition
Community-Based Services
Full Definition
Compound Inflation
Full Definition
Comprehensive Policy
Full Definition
Continence
Full Definition
Contingent Nonforfeiture
Full Definition
Continuing Care Retirement Community (CCRC)
Full Definition
Convalescent Care Facility
Full Definition
Coordination of Benefits
Full Definition
CPI-Based Inflation
Full Definition
Criminalization
Full Definition
Custodial Care
Full Definition
D
Daily Benefit
Full Definition
Deficit Reduction Act (DRA)
Full Definition
Dementia
Full Definition
Durable Medical Equipment
Full Definition
E
Elimination Period
Full Definition
Exceptions/Exclusions
Full Definition
F
Facility Only Policy
Full Definition
Free-Look Period
Full Definition
Future Purchased Option (FPO)
Full Definition
G
Guaranteed Renewable Policy
Full Definition
H
Hands-on Assistance
Full Definition
Health Insurance Portability and Accountability Act (HIPAA)
Full Definition
Home Health Aide
Full Definition
Homemaker Service
Full Definition
Hospice Care
Full Definition
Hybrid Long-Term Care Policy
Full Definition
I
Incontinence
Full Definition
Indemnity Benefit
Full Definition
Inflation Protection
Full Definition
Informal Care
Full Definition
Instrumental Activities of Daily Living (IADL)
Full Definition
Intermediate Care Facility
Full Definition
Intermediate Nursing Care
Full Definition
International Benefits
Full Definition
L
Lapse
Full Definition
Lapse Protection
Full Definition
Lifetime Limits
Full Definition
Lifetime Maximum Benefit
Full Definition
Limited Payment Options
Full Definition
Long-Term Care (LTC)
Full Definition
Look-Back Period For Medicaid/MediCal/MassHealth
Full Definition
M
Medicaid (MediCal in California – MassHealth in Massachusetts)
Full Definition
Medically Necessary Care
Full Definition
Medicare
Full Definition
Medicare Supplement/Medigap
Full Definition
Mental and Nervous Disorders
Full Definition
Minimum Asset Allowance
Full Definition
Minimum Income Allowance
Full Definition
N
Nonforfeiture
Full Definition
Nursing Care Facility
Full Definition
P
Partnership Policies
Full Definition
Personal Care
Full Definition
Plan Of Care
Full Definition
Pre-existing Conditions
Full Definition
Premium
Full Definition
R
Rate Increase
Full Definition
Rate Stability Rules
Full Definition
Reimbursement
Full Definition
Respite Care
Full Definition
Restoration of Benefits
Full Definition
Return of Premium
Full Definition
Rider
Full Definition
S
Severe Cognitive Impairment
Full Definition
Shared Care
Full Definition
Simple Inflation
Full Definition
Skilled Care
Full Definition
Spend Down
Full Definition
Standby Assistance
Full Definition
Step-Down
Full Definition
Substantial Assistance
Full Definition
Substantial Supervision
Full Definition
Survivor Benefits
Full Definition
T
Tax-Qualified Policies
Full Definition
Toileting
Full Definition
Transferring
Full Definition
U
Underwriting
Full Definition
W
Waiver of Premium
Full Definition

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