131181
Description
Flashcards by Det Ferraris, updated more than 1 year ago
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Created by Det Ferraris
over 11 years ago
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| Question | Answer |
| LTC Insurance Includes | care provided in a setting OTHER THAN an acute care unit of a hospital |
| Acute Care | care for conditioning requiring a high level of medical monitoring and treatment. (hospital/emergency room) Covered by Health Insurance |
| Acute Care | care for conditioning requiring a high level of medical monitoring and treatment. (hospital/emergency room) Covered by Health Insurance |
| Chronic Care | Care for conditions of a continuous (chronic) nature and might involve medical treatment, but frequently involves non-medical care. Home/Nursing Home NOT covered by Heath Insurance |
| Custodial (Personal) Care | care which is primarily to handle PERSONAL NEEDS (walking, bathing, dressing, eating, taking meds) that can be provided by UNSKILLED workers. |
| Activities of Daily Living (ADL) | activities used as measures for rating an individuals needs for LTC benefits under a LTC policy |
| Ambulating | being able to walk and move about |
| Self-Insure LTC | pay for it with own money |
| Nursing Home | a licenses facility which provides general nursing care to the chronically ill or those unable to take care of necessary activities daily living |
| Skilled Nursing 'Facility | provides nursing services by skilled medical personnel 24 hours a day |
| Intermediate Care Facility | Provides nursing services by skilled medical personnel, but not on a 24 hour basis |
| Assisted Living Facility | a supportive housing facility designed for those who need extra help in their day-to-day lives but who do not require skilled nursing care found in traditional nursing homes |
| Home Care | Part time nursing or homemaker services in the insureds home |
| Hospice | short-term care for terminally ill people with life expectancy of 6 months or less usually provided in the insureds home or a home-like setting. |
| Respite Care | a form of rest or relief offered to family members who are caring for a person who requires continual care |
| Adult Day Care | facility that provides care for a person who needs personal services and assistance in sustaining daily needs on a less than 24 hours basis |
| Types of LTC Coverages | Institutional Coverage, Home care and or Community-Based Coverage |
| Institutional Coverage + Home Care Coverage = Comprehensive LTC insurance | Institutional Coverage + Home Care Coverage = Comprehensive LTC insurance |
| skilled nursing care, intermediate nursing care, custodial care, home health care & community based care are STANDARD LEVELS of care in a comprehensive long term policy | skilled nursing care, intermediate nursing care, custodial care, home health care & community based care are STANDARD LEVELS of care in a comprehensive long term policy |
| 2 ways to trigger LTC policy | unable to do 2 ADL OR Severe Cognitive Impairement |
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