Glossary of Insurance Terms

Effective Date

The date on which the insurance policy begins

Eldercare Locator

A national hotline service that refers people to local services if you or someone you know needs long term care. The number is 1-800-677-1116

Elimination Days

A period of time between the initial need for care and the beginning of the payments from the insurance company.

Elimination Period

The number of days that you have to pay benefits before your coverage begins to pay for benefits

Evidence of Insurability

Statements or proof or a person's physical condition affecting the acceptance for insurance