Long-Term Care✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
An insured needs help with bathing, dressing, and meal preparation but requires no skilled medical services. Which level of care is she receiving?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Custodial, or non-skilled, care provides assistance with activities of daily living — bathing, dressing, eating, and similar personal tasks — and can be given by non-licensed personnel. The scenario describes pure custodial need because no medical or nursing services are required. AH-V.1b tests the ability to classify care levels, and custodial care is the level most LTC insurance claims actually address.
Why the other options are wrong
- A) Skilled care requires licensed nursing or rehabilitation services under medical orders, which the scenario lacks.
- B) Intermediate care involves occasional skilled nursing; the insured here needs only personal assistance.
- D) Acute hospital care is for medically unstable patients, not for help with daily routines.
Memory hook
Bathing and dressing with no nurse in sight = custodial care, the everyday heart of LTC claims.