Which type of coverage would someone needing custodial care at home require?

• A. Hospital Insurance
• B. Medical Insurance
• C. Long-Term Care
• D. Disability Insurance

Answer: (C)

Providing custodial care at home means needing non-medical help with daily living activities—things like bathing, dressing, eating, mobility, or supervision—often for an extended period. Traditional hospital insurance covers inpatient hospital services, medical insurance covers physician and medical treatments, and disability insurance provides income replacement if you can't work due to a disability. Custodial care isn’t a medical treatment and isn’t typically paid for by those policies. Long-term care coverage is designed specifically for ongoing custodial care needs, whether at home or in another setting, and helps pay for home health aides, routine custodial assistance, and supervision. That makes it the best fit for someone needing custodial care at home.