Today, home care services through an agency cost roughly $14 to $28 per hour. On average, individuals from the general population use twenty hours of home care each week for about six months. Those with Long-term care insurance use thirteen months of care, on average, at about twenty hours per week. Consider these averages as you and your broker design your policy.
Definition of clod for Students. 1  1 : a lump or mass especially of earth or clay. 2  2 : a clumsy or stupid person.
The origin of the term cloud can be found in the old English clud or clod, meaning a hill or a mass of rock. Around the beginning of the 13th century, it was extended as a metaphor to include rain clouds as masses of evaporated water in the sky because of the similarity in appearance between a mass of rock and a cumulus heap cloud.