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There are three general levels of nursing care that are covered by long term
care insurance policies:
Custodial care: Care necessary due to a permanent or chronic illness or
injury, which is less intensive, but which may continue indefinitely. This
nursing care helps a person perform activities of daily living or supervises a
person if cognitive impairment exists. Many custodial care situations start
with a mild degree of illness which is followed by slow deterioration.
Alzheimer's disease is one example where custodial care is usually needed.
Other types of insurance policies do not offer custodial care benefits. The
value of long term care insurance for you or a family member and protecting
a lifetime of created assets is never more evident than in custodial care
nursing services.
Intermediate care: Rehabilitative care by a nurse for up to six months and
when less than 24-hours per day supervision is needed.
Skilled care: Short term nursing care needed after an illness or serious
injury. Consists of rehabilitative and intensive 24 hours per day care.
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