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Carla (Full Site) Workman, LTCP
LTC Insurance Advisors
Long Term Care Specialist
Tallahassee, FL
(850) 656-2433 Phone



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Types of Long-Term Care
Levels of Long-Term Care

Skilled care is continuous care provided by licensed medical professionals under the direct supervision of a physician. Skilled care is considered medically necessary and one in which you will recuperate. This type of care that is usually delivered in skilled nursing homes, but can also be received at home. Medicare mostly provides care only for skilled care. Approximately 6% of all new long term care insurance claims are nursing home claims.

Intermediate care is intermittent care provided by nurses or nurses aides under the supervision of a physician. Intermediate care is considered medically necessary and is based on recuperation. Medicare usually does not provide for this level of care. Many people use this level at Assisted Living Facilities which account for approximately 14% of all new long term care insurance claims.

Custodial care is assistance in meeting your daily living requirements and is provided by both professional and non-professional caregivers. Custodial care is not medically necessary and there is no expectation that the person will recuperate. Most long term care is of this nature and is provided at home. It is not provided by Medicare, except in rare circumstances, and accounts for approximately 82% of all first long term care insurance claims.

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Places You Can Receive Long-Term Care If you were told that most people would prefer to have care in their own home, I don't think that you would be surprised. Care can be given in a variety of settings, including home, adult day care, assisted living and nursing home. Click here to read more...

Who Pays for Long-Term Care? The answer is simple: Click here to read more...