Which type of care is NOT included in Long Term Care?

Remedial care is not typically included in the coverage of Long Term Care insurance. Long Term Care primarily focuses on providing assistance with daily living activities and medical care for individuals who have chronic illnesses, disabilities, or other long-term conditions. Skilled nursing care, personal care, and respite care all fall within this scope, as they involve direct assistance and support for individuals needing this level of care.

Skilled nursing care refers to medically necessary services provided by licensed professionals, which is an essential component of long-term care for those requiring ongoing medical attention. Personal care encompasses assistance with basic daily living activities such as bathing, dressing, and meal preparation, which are crucial for individuals who may not be able to perform these tasks independently. Respite care offers temporary relief for primary caregivers by providing short-term care, allowing them a much-needed break while ensuring that the individual in care continues to receive necessary support.

In contrast, remedial care focuses more on the treatment and improvement of a specific health condition or injury rather than providing assistance with daily living or long-term needs. This distinction is what sets it apart from the other types of care included in Long Term Care services.