Long Term Care Insurance
Long Term Care Insurance has no subcategories
The structure of the services index and definitions of the terms contained herein were orginally published in A Taxonomy of Human Services: A Conceptual Framework with Standardized Terminology and Definitions for the Field by the Information and Refferal Federation of Los Angeles County, Inc., 3035 Tyler Ave, El Monte, CA 91731; Copyright (c) 1983, 1987, 1991. No part of there listing of human service terms and definitions may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electrical, mechanical, photocopying, recording or otherwise without the prior written permission of the Information and Referral Federation of Los Angeles County, Inc.
Private insurance companies, government programs and public/private partnership programs that issue individual and group insurance plans or policies which pay for nursing facility care, home health care, adult day health care, respite care, hospice care and/or home modifications to eliminate barriers for people who are chronically ill. Long-term care policies cover all levels of care including skilled, intermediate and custodial. Benefits may be triggered when an individual's doctor orders care, when s/he has some cognitive impairment or if s/he is unable to perform certain activities of daily living independently such as bathing, dressing, eating and toileting. A limited number of states participate in public/private partnerships which have provisions to protect participants from becoming impoverished in order to become eligible for Medicaid long-term care benefits.
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