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.
Clam: Clam, in general, any member of the invertebrate class Bivalviaâmollusks with a bivalved shell (i.e., one with two separate sections). More than 15,000 living species of bivalves are known, of which about 500 live in fresh water; the others occur in all seas. Bivalves usually live on or in sandy or muddy bottoms.