What is Cognitive Impairment in a Long-Term Care Insurance Policy? 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.
What is "Substantial Supervision" in a Long-Term Care Insurance Policy? Substantial Supervision = The presence of a person directing and watching over another who has a cognitive impairment.