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Large Claim Pooling
System designed to stabilize the premium fluctuation in small groups. Large claims are charged to a pool with contricutions from many small groups who belong and share in the pool. The smaller the group of groups, the lower the pooling level. Conversely, larger groups will have a larger pooling level. Legend Drug Drug with the following stated on its label "caution: federal law prohibits dispensing without a prescription." Length of Stay (LOS) Total number of days participant stays in care facility such as a hospital. Long Term Care (LTC) Care provided for persons with chronic diseases or disabilities. Includes a range of health and social services provided under the supervision of medical professionals. Long Term Care Facility State licensed facility providing skilled nursing services, intermediate care and custodial care. Long-Term Disability Insurance Policy providing coverage for longer than a short term, usually until the insured reaches age 65. Loss-Of-Income Benefits Benefits paid as remuneration for inability to work due to disability resulting from accidental bodily injury or sickness. Loss of Income Insurance Insurance paying loss of income benefits.