Mental and Nervous Disorders
Refers to a mental or emotional disease or disorder of any kind that does not have an organic origin. Both Alzheimer's and senile dementia are considered organic in origin.
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
Licensed Practical Nurse (LPN)
A licensed practical nurse (LPN) provides various levels of care in many settings. They also act as the link between patients, families, and the health team to ensure comprehensive, quality care.
Categories
Topics
Care Types
Rider
An insurance rider, often simplified to “rider,” is an extra benefit provision available to add to Long-Term Care Insurance policies. Riders usually increase the cost of the premium by adding benefits or other features.
Guaranteed Renewable Policy
A guaranteed renewable policy cannot be canceled by an insurance company without justifiable cause. All Long-Term Care Insurance policies that meet federal guidelines are guaranteed renewable.
Therapeutic Devices
Therapeutic devices are medical tools and equipment that make it easier for individuals to live with their health conditions.
Aging in Place
Aging in place describes when an individual receives care in their home or community. This care aims to extend the time individuals can remain at home, delaying a transfer to a traditional long-term care facility.
Financial Advisor
A financial advisor is a licensed professional that offers help with financial decisions.
Assessment (Cognitive Assessment)
This is a professional determination of a person’s health that is generally part of the claims process in many Long-Term Care Insurance policies.
Incontinence
This is the inability for a person to maintain control of their bowel or bladder. This could be from a partial loss of control to complete loss control.
Medicare
Medicare is health insurance primarily for people 65 or older, those with certain health issues, or those who qualify for disability. This federal tax-supported program becomes an individual’s primary health insurance at age 65.
Benefit Triggers
A benefit trigger is a requirement that must be met before accessing Long-Term Care Insurance benefits. Once someone meets the benefit trigger requirements, they can file a claim and receive their benefits.
Letter of Decline
A letter of decline is a formal notification of an insurance company's decision not to insure the applicant.
Cash Benefit
A Cash Benefit will pay a cash benefit, paid directly to the insured, once a person qualifies for benefits. With some policies, this can be the full benefit or a reduced benefit instead of the full reimbursement benefit offered by the policy.