Discapacidad y Cuidado a Largo PlazoPregunta 496 de 716
Skilled nursing care under a long-term care policy refers to:
a.General housekeeping, laundry, and grocery shopping services provided in the insured's own home
b.Home-delivered meal service prepared and dropped off each day by a community volunteer program
c.Daily nursing and rehabilitative care ordered by a physician and performed by licensed medical personnel
d.Assistance with bathing, dressing, and eating provided by a non-medical personal aide on a set daily schedule
Explicación
Skilled nursing care is the highest level of long-term care: continuous, physician-ordered nursing or rehabilitative services delivered by licensed medical professionals such as registered nurses. Help with bathing is custodial care, a lower level. Housekeeping and meal delivery are support services, not skilled care. LTC policies distinguish among skilled, intermediate, and custodial care, and it is important to know that most long-term care needs are actually custodial rather than skilled.
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- A disability income policy that covers the insured only for injuries and sickness occurring away from the job is described as:
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)