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Terms, Acronyms & Definitions The LTC Glossary

Home Health Agency

A home health agency provides in-home care services to those in need.

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A home health agency is an organization of professionals specializing in home care. They offer services to those who need ongoing care but prefer to receive care at home.

These professionals include licensed nurses, therapists, and home health aides. They offer both custodial and skilled care services.

When you contact a home health agency, they'll help you find the right professional for your needs, preferences, and schedule.

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Claims Offset

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In a Long-Term Care Insurance policy, this is a common contractual language that provides the insurance company to apply inflationary benefit increases to the remaining benefit pool of money within the policy instead of using the original amount.

Indemnity Benefit

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This is a fixed amount of money paid to a policyholder when care is received, regardless of the cost of care. A policy with a $100 a day Indemnity Benefit will pay $100 a day for each day you qualify for care regardless of the expense incurred.

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