Long-term care policies cover which of the following?

• A. Skilled care, intermediate care, and custodial care not provided in hospital
• B. Acute hospital care in a hospital setting
• C. Only at-home care
• D. Veterinary care

Answer: (C)

Long-term care policies are meant to cover extended, non-acute care needs, not just hospital treatment. They pay for skilled care (professional medical services by licensed staff), intermediate care (a lower level of skilled services), and custodial care (help with daily living activities). This coverage can occur in various settings outside of the hospital, such as at home, in a nursing facility, or in an assisted living environment. Acute hospital care is typically handled by health insurance for short-term medical treatment, and veterinary care isn’t part of human long-term care. So the best match is the description that covers skilled, intermediate, and custodial care outside of hospital settings, not limited to at-home care alone.