Which statement correctly describes custodial care under a Michigan long-term care insurance policy?

Why B is correct

Within Michigan's long-term care framework of M.C.L. 500.3901-.3955 and DIFS shopper's-guide materials, custodial care is help with activities of daily living, such as bathing, dressing, eating, and toileting, that does not require skilled nursing or rehabilitative services. It is the least intensive level of care, it can be provided at home or in a facility, and long-term care policies are specifically designed to pay for it.

Why the other options are wrong

• A) Custodial care is defined by the absence of a need for skilled services; no physician delivery or supervision is required.
• C) Custodial care is commonly delivered at home or in a nursing facility and is not tied to hospital confinement.
• D) Paying for custodial care is precisely the core purpose of long-term care insurance.

Memory hook

Custodial care: help with daily living, no license and no therapy required.

Why C is correct

Within the Michigan long-term care framework of M.C.L. 500.3901-.3955 and DIFS shopper's-guide materials, custodial care is the least intensive level of care: help with activities of daily living — bathing, dressing, eating, moving about — that does not require licensed medical personnel and may be furnished by untrained caregivers. It sits below intermediate and skilled nursing care in the hierarchy of care levels, which is why custodial-only needs are the least expensive form of covered care.

Why the other options are wrong

• A) Daily therapy by licensed professionals under a physician's plan describes skilled nursing care, the most intensive level.
• B) Hospital intensive-care monitoring is acute medical care, not a defined long-term care level of service.
• D) No Michigan LTC provision conditions benefits on prior hospital confinement; the trigger is the level of care needed.

Memory hook

Custodial = help with daily living, no medical license needed — the bottom rung of the LTC ladder.