Discapacidad y Cuidado a Largo PlazoPregunta 497 de 716
Custodial care under a long-term care policy refers to:
a.Emergency room treatment, imaging, and stabilization provided by hospital staff immediately after a serious accidental injury
b.Help with the activities of daily living, such as bathing, dressing, and eating, that non-medical personnel can provide
c.Complex surgery performed by board-certified specialists in a hospital operating room under anesthesia
d.Round-the-clock intensive care provided in a hospital critical care unit by a licensed nursing team
Explicación
Custodial care assists a person with the routine activities of daily living, bathing, dressing, eating, toileting, transferring, and continence, and can be provided by non-medical caregivers, making it the most common type of long-term care. It is not intensive hospital care, surgery, or emergency treatment, which are acute medical services. Because standard health insurance and Medicare largely do not cover custodial care, long-term care insurance is designed to fill that gap.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)