b'AGING IN THE 21ST CENTURYLTCI: Long-term care insurance is an insuranceSSDI: Social Security Disability Insurance is product that helps provide for the cost of long- tied to the Social Security retirement program term care beyond a predetermined period.Long- but is for workers who become disabled before term care insurancecovers expenses not coveredretirement age. Only workers who have worked by health insurance, Medicare, or Medicaid. and paid Social Security taxes are insured by theSSDIprogram.MCI: Mild cognitive impairment causes a slight but noticeable and measurable decline incogni- VaD: Vascular dementia. Alzheimers disease tiveabilities, including memory and thinkingresults from the breakdown of nerve cells in skills. MCI increases the risk of developingthe brain. Vascular dementia results when Alzheimers or otherdementia. thebraindoes not get enoughbloodcarrying the oxygen andnutrientsit needs.OASI: Old-age Survivors Insurance is also known as Social Security retirement. Based on social insurance principles, the program provides monthly benefits designed to replace, in part, the loss of income due to retirement, disability, or death. Coverage is nearly universal: About 96% of the jobs in the United States are covered. Workers finance the program through a payroll tax that is levied under the Federal Insurance and Self-Employment Contribution Acts (FICA and SECA). OOPM: Out-of-pocket medical expenses en-compass a range of costs not covered by medical insurance.SES: Socioeconomic status is an economic and sociological measure of a persons work experi-ence and of an individuals or familys economic and social position in relation to others, based on income, education, and occupation.104'