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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.
A certified nursing assistant (CNA) provides mostly basic and custodial care to individuals in several care settings.
This is the type of long-term care service most people will require. when they need long term health care services. This is nonmedical help and assistance for an individual who requires either hands-on or standby assistance with activities of daily living.
A Long-Term Care policy where benefits are only paid if the policyholder is receiving care in a licensed facility, e.g. a Nursing Home or Assisted Living Facility.
This is a fixed amount of money paid to a policyholder when care is received, regardless of the cost of care. A policy with a $100 a day Indemnity Benefit will pay $100 a day for each day you qualify for care regardless of the expense incurred.
In a Long-Term Care policy, it is coverage for items like physical, occupational, speech and respiratory therapies, wound care, medication management, supplies.