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What Do Long Term Care Insurance Policies Cover
1 pages
Published by
BeamaLife Corporation
What Do Long-Term Care Insurance Policies Cover?
Long-term care refers to a broad range of medical and personal services designed to assist people who ve lost their
ability to function independently.
If you re thinking of buying...
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What Do Long-Term Care Insurance Policies Cover?
Long-term care refers to a broad range of medical and personal services designed to assist people who ve lost their
ability to function independently.
If you re thinking of buying long-term care insurance (LTCI), you ll want to make sure
it covers the services you may need.
Typesoflong-termcare
Because some LTCI policies subsidize only certain forms of care, it s important to understand the terms.
Long-term
care may be divided into three levels:
• Skilled care may be continuous round-the-clock care designed to treat a medical condition; it s ordered by a
doctor and administered by skilled medical workers, such as registered nurses or professional therapists, as
part of an established treatment plan
• Intermediate care is intermittent nursing and rehabilitative care provided by registered nurses, licensed
practical nurses, and nurse s aides under a doctor s supervision
• Custodial care helps the patient perform daily living activities
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