Employee Benefits Glossary

a
Accidental Injury
Activities of Daily Living (ADLs)
Adult Day Care
Adult Day Care Facility
Alternative Plan of Care Benefit
Alzheimer’s Disease
Asset Spend-Down
Asset Transfers
Assisted Living Facility
Attending Physician Statement (APS)
Automatic Benefit Increase
b
Bathing
Bed Reservation
Beneficiary
Benefit Period
Benefit Triggers
c
Care Management
Caregiver
Claim
Cognitive Impairment
Conditionally Renewable Income Protection
Continence
Continuing Care Retirement Communities
Coordination of Benefits (COB)
Cost of Living Adjustment (COLA)
Cost of Living Rider
Custodial Care
d
Daily Benefit Amount
Disability
Disability Income Insurance
Dressing
e
Eating
Eligibility Criteria
Eligible Person
Elimination Period
Evidence of Insurability
Exclusions
f
Financial Underwriting
Foster Care Facility
g
Group Insurance
Guarantee of Insurability
Guaranteed Renewable Coverage
Guaranteed Standard Issue
h
Health Care Financing Administration (HCFA)
Health Insurance Portability and Accountability Act (HIPAA)
Home Care
Home Health Care Provider
Hospice Care
i
Indemnity Model
Inflation Protection
Injury
Instrumental Activities of Daily Living (IADLs)
Insurability Assessment
Integration of Benefits
Intermediate Care Facility
k
Kasselbaum-Kennedy Act
l
Lapse
Lapse Protection
Licensed Health Care Practitioner
Lifetime Maximum Benefit Amount
Long Term Care
Long Term Care Facility
Long Term Care Insurance
Long Term Disability
Loss
m
Managed Care
Maximum Lifetime Benefit Amount
Medicaid
Medicaid Estate Recovery
Medical Underwriting
Medicare
Medicare Supplemental Insurance
Monthly Benefit Amount
n
NAIC
NAIC Model Policy
Noncancellable Coverage
Nonforfeiture Option
Nursing Facility
o
Occupation Class
Outline Of Coverage
Own Occupation
p
Palliative Care
Partial Disability
Partnership for Long-Term Care
Pool of Benefit Dollars
Pre-Existing Condition
Presumptive Disability
q
Qualified Long Term Care Plan
r
Recovery Benefits
Recurrent Disability
Regular Occupation
Reimbursement Model
Residential Care Facility
Residual Benefits
Respite Care
s
Sandwich Generation
Short Term Disability
Sickness
Skilled Nursing Care
Skilled Nursing Facility
Social Security Offset
Spousal Discount
Spousal Impoverishment Protection
Stand-By Assistance
Subacute Care
t
Third Party Notification
Toileting
Total Disability
Total Home Care
Transferring
u
Underwriting
w
Waiver of Premium