Long Term Care Insurance Center

Long Term Care Insurance Q & As

Question 7 of 19 in Features Of A Typical Policy
Types of facilities and levels of care
Nursing facility - Typically an institution, distinct from a hospital, appropriately licensed to provide nursing care to in-patients, including: 24 hour-a-day nursing service under a plan developed by a professional group composed of at least one doctor and one nurse, maintenance of clinical records for all patients, and proper methods of administering drugs.

Assisted living facility - Typically provides room and meals along with any needed help with ADLs and any needed protective supervision. This is also referred to as catered living, supervised care, personal care and residential care.

Skilled care - Typically, care that is medically necessary, provided continuously (around the clock) by licensed professionals under the direct orders of a physician.

Intermediate care - Typically, care that is medically necessary, provided occasionally by licensed professionals under the direct orders of a physician.

Custodial care - Typically, care for those who need room and board, plus assistance with ADLs. It must be supervised and pursuant to a physician's orders; however, the caregiver does not need to be skilled or trained.

Home health care - Typically any service provided at home, including part-time care, speech, physical or occupational therapy, home health aids and homemakers.

Respite care - Refers to situations where there is a primary caregiver in your home. That person will need short-term relief, and some policies will provide benefits in a facility for that period.