State RegulationsMI specificDifficulty 1/5
Which description best fits 'skilled nursing care' as that level of care is used in long-term care insurance?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Long-term care policies distinguish levels of care, and skilled nursing care is the most intensive: daily nursing or rehabilitative services requiring trained medical personnel or their supervision under a physician's plan of care. Michigan's long-term care chapter (M.C.L. 500.3901 to 500.3955) governs how these levels of care are defined and covered in policies sold in the state.
Why the other options are wrong
- A) Companionship and housekeeping describe custodial care, the least intensive level.
- B) Overnight supervision in assisted living is not skilled nursing care and requires no skilled medical personnel.
- C) Shopping and meal preparation help are custodial services rather than skilled care.
Memory hook
Skilled = RN-level daily care, the top rung of the LTC ladder.