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Private insurance policies that supplement Medicare benefits by covering co-payments and deductibles for medical and hospital expenses. These policies do not provide coverage for personal or custodial care.
A federal government insurance program to assist those age 65 and over and the disabled with medical and hospital expenses. In addition to hospital and doctor expenses, Medicare covers only skilled care in a skilled nursing facility and limited skilled nursing care at home. It does not provide benefits for personal or custodial care. Medicare… Continue reading Medicare
Refers to a wide range of services, from skilled care and physical therapy to personal care delivered at home or in a residential setting
In Long Term Care insurance, services that can be given safely and reasonably by a non-medical person, designed mainly to assist with ADLs, including bathing, eating, dressing and other routine activities
Care for an illness continuing over a long period of time or recurring frequently
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