Long-term care goes beyond standard hospitalization and nursing care, and includes all the assistance you could need if you are unable to care for yourself for an extended period of time. But by and large, long-term care services are used by seniors. It is important to understand the distinctions between these levels, in order to ensure that the policy you buy includes the coverage you want. A treatment plan is established and supervised by a doctor. It is provided by trained medical workers under the supervision of a doctor.
Intermediate care is less specialized than skilled care.
It does not require a doctor's orders, and can be performed by someone without professional medical skills. For example, someone who needs reminders to take medication on schedule may need custodial care. Most LTCI policies cover skilled, intermediate, and custodial care in licensed nursing homes. However, long-term care can be provided in a number of places, including your own home. LTCI policies may limit the additional facilities in which you can choose to receive care.