A 'disability' is a physical or mental impairment that significantly limits one's ability to perform substantial work for a period of at least one year or is expected to result in death. Qualification for Social Security disability benefits is contingent on meeting this definition.
Duration of benefits refers to the period over which disability income insurance provides financial support to an eligible policyholder following an illness or injury causing disability.
A handicapped person is an individual who has a physical or mental disability that results in a functional limitation to employment, and/or significantly impairs one or more major life activities.
Long-Term Care (LTC) encompasses the day-to-day care provided to individuals, usually over the age of 65, either in nursing facilities or at home. This care is necessary following illness, injury, or due to age when a person is no longer able to perform at least two out of the five basic activities of daily living: walking, eating, dressing, using the bathroom, and moving from one place to another.
