State RegulationsFL specificDifficulty 2/5
An insured in a Florida nursing facility no longer needs continuous daily nursing attention but still receives periodic rehabilitative therapy and occasional nursing services. Which level of long-term care does this describe?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under Florida's LTC terminology standards in Chapter 627, Florida Statutes, intermediate care sits between skilled and custodial care: the insured needs nursing and rehabilitative services, but only occasionally or on a periodic basis rather than around the clock under continuous medical supervision. Recognizing the intensity spectrum, skilled daily, intermediate periodic, custodial personal, is essential for matching a policyowner's needs to the benefit level a policy pays.
Why the other options are wrong
- A) Skilled care requires continuous daily nursing under medical supervision; occasional services do not rise to that level.
- B) Custodial care is personal assistance with daily activities, not periodic nursing and rehabilitative therapy.
- D) Home health care refers to where the care is delivered, not to this periodic level of nursing facility care.
Memory hook
Intermediate = in between: periodic nursing and therapy.