Policy Sections
The ____ can be located in different places on the first page of the policy
Type of Policy
A condition that expected to cause an impairment for at least 90days
Chronically Ill
The amount of money a policyowner must pay for covered health care services before a long-term care policy starts to pay
Deductible
These policy sections explain what services are included in the policy benefits
Covered Expenses
The __________ section explains the assistance available to all long-term care customers.
Patient Care Coordination
This page explains how a policyholder can make changes to their policy after it has been purchased
Amendment
Not being able to complete certain activities of daily living (ADL) like bathing, eating, dressing, or toileting without assistance.
Functionally Incapacitated
The amount of ____ that are covered can vary policy to policy
Days
The sentence beginning with "We won't pay more" can be found in what section
Benefit Limitations
When a family member first incurs a charge for qualified long term care services covered by this their policy.
Any one period of expense
This page explains policy specifics including the elimination period days, benefit amounts, services covered, etc..
Schedule
Not being able to remember, learn new things, concentrate, or make decisions that affect everyday life
Cognitive Impairment
The number of days someone has to receive services before LTC policy benefits can be received.
Elimination period
Licensed to provide such care or services by the appropriate licensing under the 1965 Social Security Act.
Home Health Care Agency
When there is a break in payment for covered benefits for a period of time, the policyholder may be eligible to file a new claim and begin a new period of expense. This cycle may continue until the lifetime maximum for a benefit has been reached. This is called _______________.
Restoration of Benefits
This section explains extra expenses that are not mentioned in the previous sections
The Additional Covered Expenses
Bathing, Continence, Ambulation, Dressing, Eating, Toileting are all examples of
ADLS (Activities of Daily Living)
This section defines Grace Period, Notice of a Claim, Claim Forms and Proof of Loss
Uniform Provisions
If you want to go on vacation and need somebody to watch Grannie Sweetie Pie for a couple of days, you will need this type of coverage
Respite Care
People that provide claim intake and filing assistance and assistance locating eligible care providers. This program is available at no extra cost to you.
Patient care coordinators
The _____ section explains what is not covered in a policy.
Exclusions
In order to trigger FI you must have at least this many adl's
Two
This section defines commonly used policy terms, which change every policy
General Definitions
"After the elimination period has been met and he/she has rcvd care for a certain number of days then we will" can be found in what section
Waiver of Premium
This section explains the required conditions for the policyholder to begin receiving benefits.
Benefit Eligibility