Local or regional assistance or support designed to help older people remain independent and in their own homes. This can include senior centers, transportation, delivered meals or congregate meals site, visiting nurses or home health aides, adult day care, and homemaker services.

Type of medical care that combines primary care with a community population-based approach by identifying and addressing community health problems.

In life insurance, the right of the beneficiary to receive in a lump sum the cash value of the remaining payments under an insurance option chosen by the insured.

Medical condition that coexists with the primary cause for hospitalization and affects the patient’s treatment and length of stay.

Underlying condition or other condition that exists along with the condition for which the patient is receiving treatment. Used in diagnostic-related group (DRG) reimbursement. Sometimes referred to as comorbidity condition or concurrent condition.

Agency chartered under state laws that underwrites, administers, and sells many types of insurance plans (e.g., fire and marine, life, casualty, health, liability). For those it insures, it agrees to pay all legitimate claims that may arise under the policy in exchange for a monthly or annual premium. Also called agency or insurance agency, indirect payer, insurer , or payer . See also insurance carrier, fiscal agent , fiscal intermediary (FI) , or agency .

System of comparing costs of several types of life insurance policies such as the present value of premiums, cash values, and dividends. It is calculated by weighing each item each year by the probability that it will be paid. See also cost comparison methods.