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Long Term Care Insurance 101

"Long Term Care" Defined

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Long term care is assistance to help with the activities of daily living such as eating or toileting when you are unable to provide for yourself.  Care ranges from personal care at home to skilled nursing services at home or in a nursing home.

Different policies are likely to define various types of care differently. In general, the types of long term care are:

  • Skilled nursing care: Care needed for medical conditions that require care by specially trained nurses or therapists who are generally licensed by the state. This type of care is generally ordered by a doctor who determines the care to be provided. It is usually required on a 24 hours basis.
  • Intermediate nursing care: Care which requires daily supervision, but not 24 hours a day. It is care which is less specialized than skilled nursing care.
  • Custodial care (also known as "Personal care"): Care which is meant to assist with the activities of daily living such as bathing, eating, dressing and other routine activities. This type of care is generally provided by unskilled people.

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