Health Insurance Care One's Long Term Types Disability People

Many health plans cover medical, dental, and vision care. But "disability insurance" and "long-term care plans" are other types of health plans that provide "financial assistance" (money to help someone) when certain types of "medical conditions" (things affecting one's physical health) "are present" (exist).

When someone gets very sick, health insurance covers at least some of the costs of "treatments" (procedures performed by a doctor) and "prescription medications" (medicine that one can buy only with written permission from a doctor). However, a "severe" (very serious) illness or injury can "keep" (prevent) one from working for an "extended" (long) period of time. "Disability insurance" can replace some percentage of an individual's lost "salary and wages" (money received for one's work) if he or she is "truly" (really) "disabled" (unable to use one's body in certain ways). There are usually two types of disability insurance: short-term disability insurance and long-term disability insurance. For either type, the individual has to "prove" (show that something is true) that the medical condition is "disabling" (not allowing one to do things that one would normally be able to do) and prevents them from working.

"Long-term care" policies are also important, because they can pay a percentage of the cost of one's stay in a "long-term care facility," or a place where people live when they cannot care for themselves and need assistance from nurses and doctors. As people "age" (become older), sometimes they lose the ability to "live independently" (to live alone) and need nurses or doctors to be near them at all times. Long-term care policies can cover the costs of staying in a "nursing home" (a facility where people live and many nurses and doctors work).