The information on this site is intended for producer use only. The last thing you need to worry about is the financial strength of the company. A licensed health care practitioner must certify a person's inability to perform 2 of these activities of daily living for a period of 90 days. Usually two out of six ADL's will trigger benefits. Skilled nursing home care is daily nursing care which can only be performed by or under the direct supervision of skilled medical personnel.
Intermediate care calls for occasional nursing care on a skilled level.
Custodial care consists primarily of attention to personal needs, such as help in walking, bathing and eating. All levels of care should be covered. Home Health Care which does not require prior hospitalization or nursing home confinement . If a policy includes home health care, it should stipulate that benefits will be paid without first having to enter a nursing home or without a prior hospital stay . Click here for a guide to nursing homes and home and community based care.