Health Insurance Portability and Accountability Act (HIPPA) = Federal health insurance legislation passed in 1996 that allows, under specified conditions, long-term care insurance policies to be qualified for certain tax benefits.
Hands-On Assistance = Physical assistance (minimal, moderate or maximal) without which the individual would not be able to perform the activities of daily living.
Guaranteed Renewable = When a policy cannot be canceled by an insurance company and must be renewed when it expires unless benefits have been exhausted. The company cannot change the coverage or refuse to renew the coverage for other than nonpayment of premiums...
Dementia= Deterioration of intellectual faculties due to a disorder of the brain.
Custodial Care (Personal Care) = Care to help individuals meet personal needs such as bathing, dressing and eating. Someone without professional training may provide care. Related articles How Much Does Long-Term Care Insurance Cost? (ltcfacts.org) How does your...
Cognitive Impairment = 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.
