Glossary

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Level of Care (LOC)
Amount of assistance required by consumers which may determine their eligibility for programs and services. Levels include: protective, intermediate, and skilled.
Long-Term Care (LTC)
Range of medical and/or social services designed to help people who have disabilities or chronic care needs. Services may be short- or long-term and may be provided in a person\\'s home, in the community, or in residential facilities (e.g., nursing homes or assisted living facilities).
Long-Term Care Insurance
Insurance policies which pay for long-term care services (such as nursing home and home care) that Medicare and Medigap policies do not cover. Policies vary in terms of what they will cover, and may be expensive. Coverage may be denied based on health status or age.
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