State RegulationsMI specificDifficulty 1/5
Which statement correctly describes custodial care under a Michigan long-term care insurance policy?
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Answer & full 3-part explanation (select an option above, or peek)
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.