Home/Glossary/Hybrid LTC PolicyGlossary · Long-Term CareHybrid LTC PolicyLife insurance or annuity with an LTC rider — avoids "use it or lose it" risk of traditional LTC insurance.Related TermsSkilled Nursing Facility (SNF)Long-Term Care OmbudsmanMinimum Data Set (MDS)Payroll-Based Journal (PBJ)Home and Community-Based Services (HCBS)Activities of Daily Living (ADLs)Instrumental Activities of Daily Living (IADLs)Long-Term Care Insurance← Back to glossary index