In Long Term Care insurance, the key person (usually a relative) overseeing and providing the care for you if you are incapacitated

A non-medical institution providing room, board, laundry, some forms of personal care, and usually recreational services; also known as domiciliary care facility, sheltered house, board and care home, community-based care facility, residential care facility, etc.

Recreational and/or rehabilitative services provided for persons who benefit from daytime supervision; an alternative between care in the home and in an institution

Medical care that is required for a short period of time to cure a certain illness and/or condition

In Long Term Care insurance, ADLs are what you do independently everyday – eating, bathing, dressing, moving about (mobility), transferring (for instance, from a bed to a chair), using the toilet, and maintaining bladder and bowel continence; ADLs are used to measure the ability to function

An injury, illness, or physical condition which existed prior to the issue of a health, disability, life, or Long Term Care policy

In Disability Insurance, a type of insurance which cannot be cancelled or altered by the insurance company as long as you continue to pay premiums on time

In Disability Insurance, an optional benefit which allows you to purchase additional coverage up to a stated age, regardless of health, as long as your income warrants the increase

Certain conditions and causes which are not covered by a policy

The consecutive number of days for which no benefits are payable at the start of a disability or Long Term Care claim