Discapacidad y Cuidado a Largo PlazoPregunta 498 de 716
Home health care coverage under a long-term care policy pays for:
a.Daycare services for the insured's young children while at work
b.Care provided only inside a licensed nursing home and no other setting
c.Skilled or custodial care delivered in the insured's own home
d.A short-term inpatient stay in an acute-care surgical unit
Explicación
Home health care benefits cover skilled or custodial services provided in the insured's own residence, such as visits from a home health aide or nurse, allowing the person to remain at home rather than move to a facility. It is not hospital care, is not limited to a nursing home, and has nothing to do with childcare. Many modern LTC policies emphasize home and community-based care because most people prefer to receive care at home for as long as possible.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)