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.
Medical Definition of Cloaca Cloaca: A common passageway for feces, urine and reproduction. At one point in the development of the human embryo, there is a cloaca. It is the far end of a structure called the hindgut. This structure then divides to form a rectum, a bladder, and genitalia. The presence of a cloaca is normal in many adult animals (birds, reptiles, amphibians, some fish, and even a few mammals). However, the persistence of a persistent cloaca in a person is a birth defect (a congenital malformation). Cloaca is the Latin word for drain or sewer.