Which of the following is NOT a level of care typically covered by Long-Term Care policies?

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

Answer: (A)

Long-term care insurance is built to cover ongoing, non-acute care needs rather than short-term hospital treatment. The levels of care typically included are custodial care (help with daily living activities like bathing and dressing), intermediate care (more regular professional assistance than custodial, but not full-time nursing), and skilled nursing care (around-the-clock nursing or substantial rehab services in a skilled facility). Acute care, by contrast, refers to hospital or immediate medical treatment for illnesses or injuries and is usually covered by health or hospital insurance rather than a long-term care policy. So acute care doesn’t fit the purpose of LTC coverage, which is why it’s not considered a typical level of care in these policies.