Everyday functions individuals usually do without help. ADL functions include bathing, continence, dressing, eating, toileting, and transferring. Many policies use the inability to do two out of six ADLs as one way to determine when to start paying benefits.

Care during the day for adults, usually at senior or community centers.

The maximum time, usually measured in days or years, that a policy will pay the daily/monthly benefit when you meet the qualifications for a claim.

Term used to describe the requirements a policyholder must satisfy to start receiving paid benefits from the insurance company. For policies intended to be tax-qualified, they include suffering a severe cognitive impairment or an inability to perform two-of-six Activities of Daily Living (ADLs) for care expected to last for a period of at least 90 [..]

A service that arranges, monitors, and/or coordinates long term care services. It is performed typically by a professional, like a nurse or social worker who is referred to as a "care coordinator".  In some states and with some policies, use of the care coordination is voluntary, while in others, it's mandatory. Generally, [..]

An illness with one or more of the following characteristics: permanency, residual disability, requires rehabilitation training, or requires a long period of supervision, observation, or care.

A deficiency in a person's short or long term memory; orientation as to person, place and time; deductive or abstract reasoning; or judgment as it relates to safety awareness.

With long term care coverage, covered services include a broad range of service settings. Typically, "integrated" or "comprehensive" policies include nursing-facility care, assisted living/residential facility care, home-health care, adult-day care, hospice care, respite care, care advisory services, supportive e [..]

Care to help individuals meet personal needs such as bathing, dressing, and eating. Care is typically provided by someone without professional training.

Deterioration of intellectual faculties due to a disorder of the brain.