Terms Used In Iowa Code > Chapter 514G - Long-Term Care Insurance Act

• Activities of daily living: means at least bathing, continence, dressing, eating, toileting, and transferring. See Iowa Code 514G.103
• Appeal: A request made after a trial, asking another court (usually the court of appeals) to decide whether the trial was conducted properly. To make such a request is "to appeal" or "to take an appeal." One who appeals is called the appellant.
• Applicant: means either of the following:
   a. See Iowa Code 514G.103
• Benefit trigger: means a contractual provision in a policy of long-term care insurance that conditions the payment of benefits on a determination of the insured's ability to perform activities of daily living and on cognitive impairment, or on other conditions of the insured as specified in the policy. See Iowa Code 514G.103
• Board: means the engineering and land surveying examining board provided by this chapter. See Iowa Code 542B.2
• Certificate: means any certificate issued under a group long-term care insurance policy, which policy has been delivered or issued for delivery in this state. See Iowa Code 514G.103
• Chronically ill individual: means the same as defined in section 7702B(c)(2) of the Internal Revenue Code. See Iowa Code 514G.103
• Claim: means a request for payment of benefits under an in-force long-term care insurance policy, regardless of whether the benefit claimed is covered under the policy or any terms or conditions of the policy have been met. See Iowa Code 514G.103
• Cognitive impairment: means a deficiency in a person's short-term or long-term memory; orientation as to person, place, and time; deductive or abstract reasoning; or judgment as it relates to safety awareness. See Iowa Code 514G.103
• Commission: means the real estate commission as established by chapter 543B. See Iowa Code 543C.1
• Commissioner: means the commissioner of insurance. See Iowa Code 514G.103
• Contract: means the same as defined in section 554D. See Iowa Code 554E.1
• Contract: A legal written agreement that becomes binding when signed.
• Corporation: A legal entity owned by the holders of shares of stock that have been issued, and that can own, receive, and transfer property, and carry on business in its own name.
• Damages: Money paid by defendants to successful plaintiffs in civil cases to compensate the plaintiffs for their injuries.
• Dependent: A person dependent for support upon another.
• Electronic: means the same as defined in section 554D. See Iowa Code 554E.1
• Evidence: Information presented in testimony or in documents that is used to persuade the fact finder (judge or jury) to decide the case for one side or the other.
• following: when used by way of reference to a chapter or other part of a statute mean the next preceding or next following chapter or other part. See Iowa Code 4.1
• Group long-term care insurance: means a long-term care insurance policy that is delivered or issued for delivery in this state to any of the following:
   a. See Iowa Code 514G.103
• Independent review organization: means a review organization certified by the commissioner pursuant to section 514G. See Iowa Code 514G.103
• Insurer: means an entity qualified and licensed by the insurance division to transact the business of insurance in this state by a certificate issued pursuant to chapter 508, 512B, 514, or 514B. See Iowa Code 514G.103
• licensed health care practitioner: means the same as defined in section 7702B(c)(4) of the Internal Revenue Code. See Iowa Code 514G.103
• Licensed health care professional: means a qualified professional in an appropriate field for determining an insured's functional or cognitive impairment as it relates to the insured's specific diagnosis. See Iowa Code 514G.103
• Long-term care insurance: includes group and individual annuities and life insurance policies or riders that directly provide or supplement long-term care insurance. See Iowa Code 514G.103
• Money: means the same as defined in section 554. See Iowa Code 554E.1
• month: means a calendar month, and the word "year" and the abbreviation "A. See Iowa Code 4.1
• person: means individual, corporation, limited liability company, government or governmental subdivision or agency, business trust, estate, trust, partnership or association, or any other legal entity. See Iowa Code 4.1
• Policy: means any policy, contract, subscriber agreement, rider, or endorsement delivered or issued for delivery in this state by an insurer; fraternal benefit society; nonprofit health, hospital, or medical service corporation; prepaid health plan; or health maintenance organization or any similar organization. See Iowa Code 514G.103
• Preexisting condition: means a condition for which medical advice or treatment was recommended by, or received from, a provider of health care services within six months preceding the effective date of coverage of an individual. See Iowa Code 514G.103
• Remainder: An interest in property that takes effect in the future at a specified time or after the occurrence of some event, such as the death of a life tenant.
• Rule: includes "regulation". See Iowa Code 4.1
• Sale: means any sale, offer for sale, or attempt to sell or lease any land, to the public in this state, for cash or on credit. See Iowa Code 543C.1
• state: when applied to the different parts of the United States, includes the District of Columbia and the territories, and the words "United States" may include the said district and territories. See Iowa Code 4.1
• Trustee: A person or institution holding and administering property in trust.
• year: means twelve consecutive months. See Iowa Code 4.1