Generally, long-term care policies will cover 3 levels of care: Skilled nursing care, intermediate care, and custodial care. In addition to these levels of care, the long-term care policy may provide coverage for home health care, adult day care, hospice care or respite care, all of which can be received at home.
Skilled Care is daily nursing and rehabilitative care that can only be provided by medical personnel, under the direction of a physician. Skilled care is almost always provided in an Institutional setting. Examples of skilled care include changing sterile dressing and physical therapy given in a skilled nursing care facility. Care that can be given by nonprofessional staff is not considered skilled care.
Intermediate Care is occasional nursing or rehabilitative care provided for stable conditions that require daily medical assistance on a less frequent basis than skilled nursing care. It is ordered by a physician and skilled medical personnel would deliver or monitor this type of care. Intermediate care could be as simple as giving medication to a group in physical therapy once a day or changing a bandage. It may be carried out in a nursing home, an intermediate-care unit or in the patient’s home.
Custodial Care is care for meeting personal needs such as assistance in eating, dressing, or bathing, which can be provided by nonmedical personnel, such as relatives or home health care workers. Custodial care can be provided in an institutional setting or in the patient’s home. In other words, it involves caring for a person’s activities of daily living and not hospital or surgical needs.
Home Health Care is care provided by a skilled nursing or other professional services in one’s home. Home health care includes occasional visits to the person’s home by registered nurses, licensed practical nurses, licensed vocational nurses or community based organizations like hospice. Home Health care might include physical therapy, occupational therapy, speech therapy and medical services by a social worker.
Home Convalescent Care is provided in the insured’s home under a planned program established by his or her attending physician.
Residential Care is provided while the insured resides in a retirement community or a residential care facility for the elderly (RCFE). In some arrangements, the degree of independence is the sale as living in one’s own home: however this care provides a physical and social environment that contributes to continued intellectual, psychological and physical growth. These facilities are commonly for the middle and upper classes because of the costs.
Adult Day Care is care provided for functionally impaired adults on less than a 24 hour basis. It could be provided by a neighborhood recreation center or a community center. Care includes transportation to and from the day care center, and a variety of health, social and related activities. Meals are usually included as a part of the service.
Respite Care is designed to provide relief to the family caregiver,and can include a service such as someone coming to the home while the caregiver takes a nap or goes out for a while. Adult day care centers also provide this type of relief for the caregiver.