Levels of Care

  • Skilled Care — this is regular care (daily, for example) to treat a medical condition; it is ordered by a physician and is provided by licensed medical professionals such nurses or therapists; skilled care is intended to help a person recover from an illness, accident, or surgery; skilled care is typically covered by medical expense insurance, Medicare, Medigap, and Advantage Plans.
  • Intermediate Care — this level of care is similar to skilled care, but it is not as often (maybe only once or a few times per week).
  • Custodial Care — care is provided by someone who does not have to be a licensed medial professional; care is focused on helping the individual with activities of daily Living (ADLs) such as bathing, dressing, eating, transferring, continence, and toileting; if a person has an LTC policy, the inability to perform a certain number of ADLs will trigger the policy to pay a benefit to the insured.