MedAmerica Insurance Company
Home Office: Pittsburgh, PA
Home Office: Pittsburgh, PA
MedAmerica Insurance Company of New York
Home Office: Rochester, NY
Home Office: Rochester, NY
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Glossary of Terms You will find definitions of terms commonly used terms in long-term care on the following pages. If you need further assistance or have questions, call our Customer Service Department at -.
Activities of Daily Living The following functions for personal independence in every day living and are used as the measurement standard to determine your functioning capacity. These ADLs are a national standard for tax-qualified long-term care plans. These are the Activities of Daily Living: Bathing: Your ability to wash yourself, including a sponge bath, or in a tub or shower, including the task of getting into and out of the tub or shower. Continence: Your ability to control bowel and bladder function; or when unable to maintain control of bowel and bladder function, your ability to perform associated personal hygiene (including caring for catheter or colostomy bag). Dressing: Your ability to put on and take off all items of clothing and any necessary braces or artificial limbs usually worn, and to fasten and unfasten them. Eating: Your ability to feed yourself by getting food into your body from a receptacle (such as a plate, cup or table) or by a feeding tube intravenously. Toileting: Your ability to go to and from the toilet and maintain a reasonable level of personal hygiene. This includes getting on and off the toilet and caring for clothing. Transferring: Your ability to move in and out of a bed, chair or wheelchair. The certification by a licensed health care practitioner must be made at least annually. Top Adult Day Care A program for six or more individuals of social and health-related services provided during the day in a community group setting for the purpose of supporting frail, impaired, elderly or other adults with a disability who can benefit from care in a group setting outside the home. Texas Residents: Adult Day Care is a social and health-related services program provided during the day in a community group setting, for the purpose of supporting frail, impaired elderly, or other disabled adults who can benefit from care in a group setting outside the home. Top Cognitive Impairment A deficiency in a person's short or long-term memory, orientation as to person, place and time, deductive or abstract reasoning, or judgment as it relates to safety awareness. Top Custodial Care Care given primarily for the purpose of assisting another with Activities of Daily Living (ADLs). Custodial Care is not intended to restore health or the ability to function. It can be provided by a non-medically trained professional. Top Daily Benefit Amount The maximum amount of money you will be reimbursed for services during each day you are eligible for qualified long-term care benefits. Top Elimination Period The number of days (waiting period) before MedAmerica Insurance Company will pay covered benefits under your policy. You need only satisfy this elimination period once in your lifetime. Standard elimination period options may be 0, 30, 60 and 90 days. (They vary from state to state. In some states, they may include 180 and 365 days. Please check your policy for state specific information.) These days need not be consecutive and may be accumulated until your elimination period has been met. Top Home Care Care provided to a person in his or her home primarily to assist with Activities of Daily Living (ADLs). The care provider cannot be a member of the immediate family. Top Home Health Care A program of professional, paraprofessional or skilled care provided through a home health care agency to an insured in his or her home. Texas Residents: Home Health Care is medical or non-medical services provided to ill, disabled or infirm persons in their residences. Such services may include homemaker services, assistance with activities of daily living, respite care services, case management services, and maintenance or personal care services. Top Home Modification The labor, equipment and supplies used to make minor changes (such as installing a ramp for a wheelchair), in a home to help a person perform Activities of Daily Living (ADLs). Top Intermediate Care A planned, continuous program of nursing care that is preventative and rehabilitative. This level of care is more intensive than custodial care, but less than skilled nursing care. Top Personal Care Advisor A Personal Care Advisor is a licensed health care practitioner or working under the direct supervision of a licensed health care practitioner. He/She is chosen by us and is available to help you and/or your family members plan for your care by:
Top Respite Care Temporary relief from caregiving duties from a member of the immediate family or other person who is the unpaid primary caregiver. This "time off" helps the primary caregiver maintain his or her health and mental well-being. Number of days per calendar year may vary from state to state. Top Skilled Nursing A level of care that is provided by a registered nurse and is prescribed by a doctor for the medical care of the individual. Top |