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14 Cards in this Set
- Front
- Back
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Long Term Care Pays for |
Pays for care of individuals who have a chronic illness or disability, regardless of age |
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Activities of Daily Living (ADLs) |
Bathing - getting in & out of a tub Continence - Control bowel movements Dressing - Getting dressed Eating - Feeding one's self Toileting - Getting to/from the toilet Transferring - Moving into/out of a bed, chair or wheelchair |
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Skilled Nursing Facility |
Daily nursing and rehabilitative care provided by medical personnel in nursing home |
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Intermediate Care |
Rehabilitation and nursing care provided by medical personnel in an institutional setting or at home on an occasional basis |
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Custodial Care |
Non-medical care that provides assistance to individuals with their activities of daily living in a nursing home |
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Assisted Living Facilities |
Provides housing and ongoing care to people unable to perform the ADLs |
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Hospice Care |
Provides coverage for pain control, comfort and counseling for people with less than 6 months to live |
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Respite Care |
A facility that can be used to give care takers a break |
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A LTC Policy Provision |
Must cover pre-existing conditions after 6 months from issue date |
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Guaranteed Insurability |
Allows the insured to purchase a preset amount of LTC coverage w/o proof of insurability |
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Return of Premium Rider |
Insured can have all premiums paid refunded if they've paid premiums for a certain period of years |
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NYS Partnership for Long Term Care |
Gives a person the ability to protect some or all their assets and still qualify for Medicaid Extended Coverage |
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Non-forfeiture Benefit |
Provides some coverage after making the premium payments for a specific period time |
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Long Term Care Age related |
Insurance that is age rated (The older an applicant is, the higher the premium) |
