Key Terms

Benefit Period:
The benefit period is the length of time for which the policy will pay for care.
Custodial Care:
Custodial care provides care for daily living activities, such as bathing, eating, dressing, and transferring. It also be referred to as personal care.
Fixed Dollar Amount Policy:
A fixed dollar amount policy pays a specific amount for each day care is received.

Health Insurance Guide

Health insurance is an important coverage that can protect you and your family from the devastating financial effects of unexpected health problems or catastrophic illness. Please review the Health Guide for ways to control and manage costs.


Intermediate Care:
Intermediate care provides treatment, but not necessarily 24 hours a day. Care is less specialized than what is provided with skilled care policies, but provides more attention to personal needs. A physician orders the care and registered nurses provide supervision.
Lifetime Maximum Benefit:
The lifetime maximum benefit is the total benefit amount that a long-term care insurance company will pay for eligible expenses throughout the life of a policy.
Limited Benefit Policy:
A limited benefit policy limits coverage to care in a nursing home or to one or more lower level of care (i.e. nursing home or custodial care).
Long-Term Care Insurance:
Long-term care insurance is specifically designed to cover the costs of long-term care services, which may not covered by traditional health insurance plans or Medicare.
Medicaid is a joint federal/state program that pays for health care services for those with low incomes or very high medical bills when compared to the individual’s income and assets.
Skilled Care:
Skilled care provides care for medical conditions that require trained medical personnel (i.e. registered nurses or professional therapist), including 24 hour care.