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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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