State RegulationsFL specificDifficulty 2/5
Following a stroke, a Florida policyowner needs help bathing, dressing, and moving from bed to chair, but requires no nursing or rehabilitative services. For long-term care benefit purposes, this level of care is:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under Florida's LTC terminology standards in Chapter 627, Florida Statutes, when an insured's need is limited to help with activities of daily living such as bathing, dressing, and transferring, without nursing or rehabilitative services, the care is custodial no matter what medical event caused the need or where the care is delivered. The level of care is classified by the nature of the services required, not by the diagnosis, the documentation, or the setting.
Why the other options are wrong
- A) Skilled care requires continuous nursing or rehabilitation by licensed medical personnel, which this policyowner does not need.
- B) The cause of the need, here a stroke, does not change the classification; intermediate care requires periodic nursing or therapy services.
- C) Home health care describes medically oriented care delivered at home, not unskilled personal ADL assistance by itself.
Memory hook
Classify the care by the services, not the cause.