In a Michigan long-term care insurance policy, care that consists primarily of assistance with activities of daily living such as bathing, dressing, and eating, rather than care that must be performed by skilled medical personnel, is best described as which type of care?

Why B is correct

Custodial care is care whose primary purpose is help with activities of daily living such as bathing, dressing, and eating, and it does not require the skills of licensed medical personnel. Michigan's long-term care insurance provisions (M.C.L. 500.3901 to 500.3955) regulate policies that are built around coverage for exactly this level of care, which is the most commonly claimed type of long-term care. Producers must be able to distinguish custodial from skilled care when explaining what a policy will and will not pay for.

Why the other options are wrong

• A) Skilled nursing care requires licensed medical professionals performing medical or rehabilitative services, which is a higher level of care than mere personal assistance.
• C) Intermediate care involves some nursing or therapeutic services under supervision, so it is more than the personal-assistance-only care the stem describes.
• D) Rehabilitation care covered under Medicare is post-acute skilled care following a qualifying stay, not the ongoing personal assistance described in the stem.

Memory hook

Custodial = hands, not needles: personal assistance, no medical skills required.