Which three levels of care are generally provided by Long-Term Care policies?

Long-Term Care policies are designed to cover various types of care that individuals may need as they age or face prolonged health challenges. The three levels of care generally included in these policies are skilled nursing, intermediate, and custodial care.

Skilled nursing care is provided by licensed medical professionals and typically involves complex medical needs that require constant monitoring and treatment, such as rehabilitation after a surgery or a serious illness. Intermediate care is less intensive than skilled nursing but still involves some level of professional care, often in a facility where patients can receive assistance with daily activities. Custodial care, on the other hand, focuses on assistance with daily living activities, such as bathing, dressing, and eating, and is generally provided by non-medical staff in settings like nursing homes or home care.

This structure of care is essential for understanding how Long-Term Care policies are set up to provide support for individuals needing assistance over an extended period, especially as they manage chronic health conditions or disability. The other choices do not accurately reflect the common levels of care offered by Long-Term Care policies, focusing instead on different types of care or not aligning with the terminology used in the industry.