A long term care policy typically provides all of the following levels of care except

• A. Acute care
• B. Skilled care
• C. Custodial care
• D. Intermediate care

Answer: (A)

Long-term care policies are designed to cover ongoing, non-acute care needs—the kind of help you need with daily activities or ongoing rehabilitation, not hospital-level emergencies. The levels commonly included are skilled care (professional medical services in a facility or at home), intermediate care (less intensive nursing or rehab), and custodial care (help with daily living activities, often non-medical). Acute care, by contrast, refers to hospital care for short-term, acute illnesses or injuries and is typically funded by health insurance or Medicare, not a long-term care policy. So a long-term care policy would cover skilled, intermediate, and custodial care, but not acute hospital care.