Which type of care is NOT typically covered under a long-term care policy?

Long-term care policies are designed to cover services that assist individuals with activities of daily living over an extended period. Typically, these policies include coverage for custodial care, skilled care, and home health care, as they relate directly to helping individuals who may have chronic illnesses or disabilities.

Intensive care, however, refers to a more acute level of medical care provided in a hospital setting for patients who are critically ill or injured. This type of care is focused on sophisticated medical interventions and monitoring, and it does not fit the purpose or scope of long-term care insurance, which is primarily concerned with non-medical assistance and rehabilitation for chronic conditions rather than life-threatening emergencies.

This distinction highlights why intensive care is not typically included in long-term care insurance policies, leading to the conclusion about its exclusion from coverage under these plans.