A benefit that lets you name someone the insurance company would notify if your coverage is about to lapse or end due to lack of premium payment.

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Everyday functions individuals usually do without help. ADL functions include bathing, continence, dressing, eating, toileting, and transferring. Many policies use the inability to do two out of six ADLs as one way to determine when to start paying benefits.

Care during the day for adults, usually at senior or community centers.

Varies by each company's specific definition. This feature usually provides a general plan of treatment which allows you to remain in your home when a nursing-facility stay is recommended. It also is used to denote when your recommended plan of care may need adjustments from what is specifically defined in your policy's provisions. [..]

 An assisted living arrangement, typically an apartment or condominium, that provides individualized personal care and health services for people who require assistance with activities of daily living. In CA, referred to as Residential Care Facility.

Pays the cost of reserving your place in a care facility should you need to be hospitalized during a covered stay.

The maximum time, usually measured in days or years, that a policy will pay the daily/monthly benefit when you meet the qualifications for a claim.

Term used to describe the requirements a policyholder must satisfy to start receiving paid benefits from the insurance company. For policies intended to be tax-qualified, they include suffering a severe cognitive impairment or an inability to perform two-of-six Activities of Daily Living (ADLs) for care expected to last for a period of at least 90 [..]

Available in some policies, this is the initial amount of time during which covered services are received, but for which the policy will not pay benefits. It starts on the first day of disability for which a covered service is used and continues until the selected number of calendar days have passed during which the insured continues to meet the be [..]