DEFINITIONS (Continued) Home health care means medical and non-medical services provided in the insured’s home by a home health care practitioner in accordance with a plan of care. Home health care does not include the following: 1. cooking, which means preparation of meals and nutrition; 2. shopping, which includes but is not limited to purchasing groceries, household supplies and medicine; 3. assistance with the use of the telephone, laundering clothes, correspondence, bill paying, and other housekeeping tasks; 4. any type of construction, renovation or maintenance (such as painting, etc.), lawn care, snow removal, maintenance of a vehicle and any other service performed outside of the home; or 5. any other services similar to those described above. Home health care agency means an agency or organization which: 1. specializes in giving nursing care or therapeutic services in the home; 2. is licensed to provide such care or services by the appropriate state licensing agency or authority where the service is performed or is Medicare certified as a home health care agency; 3. maintains a complete medical record and plan of care for each patient; and 4. is operating within the scope of its license or certification. Home health care practitioner means an individual who is qualified to provide home health care, including the following: 1. a home health aide; 2. certified nurse assistant; 3. medical social worker; 4. occupational therapist; 5. speech therapist; 6. physical therapist; 7. total parenteral nutrition specialist; 8. enterostomal specialist; 9. chemotherapy specialist; 10. licensed visiting nurse; 11. licensed vocational nurse (L.V.N.); 12. licensed practical nurse (L.P.N.); or 13. a licensed graduate nurse (R.N.). A practitioner whose specialty is not listed above may be used if the practitioner meets the requirements below. A home health care practitioner must: 1. be licensed in the state or recognized as such by the state in which the care is given; 2. be employed or contracted by a home health care agency; and 3. charge for the care given which the insured is legally responsible to pay. A home health care practitioner must not: 1. be a family member by blood, marriage, or adoption; or 2. reside at the insured’s address. Inpatient means an insured who is a resident patient using the room and board facilities of an assisted living facility or nursing care facility. Licensed health care practitioner means a physician or any registered professional nurse, licensed social worker, or other individual who meets such requirements as described by the Secretary of the Treasury. A licensed health care practitioner must not be a family member by blood, marriage, or adoption. Maintenance or personal care services mean any care the primary purpose of which is to provide needed assistance with any of the ADLs as a result of the insured being chronically ill (including the protection from threats to health and safety due to severe cognitive impairment). GWPLTCE1IN Page 3
Group Whole Life Policy Page 26 Page 28