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This section describes the different types of care and what causes people to need it.

Acute Versus Chronic Care

Acute care is usually provided in hospitals and emergency rooms.  This is skilled care you need immediately for conditions which are treatable and where recovery may occur with medical attention.  These conditions usually develop rapidly and can strike suddenly.  Health insurance and Medicare cover some or all of these expenses.
 
Examples of Acute Care: Stroke, heart attack, pneumonia, broken bones, surgery.

Chronic care is usually provided in your home, nursing homes, and assisted living facilities. Your health insurance and Medicare will usually not cover chronic care because it is not considered skilled care.  Chronic care is usually for conditions that are manageable but generally not curable.  A lot of times these are not noticed or are ignored in the initial stages.

Examples of Chronic Care: Arthritis, Diabetes, Hypertension, Alzheimer's

Skilled Care

Skilled care is usually delivered in skilled nursing homes, but can be received in the home as well. If the skilled care meets strict criteria set forth by Medicare, then the facility providing it is referred to as a skilled nursing facility (SNF). Medicare defines skilled care as services and rehabilitation that require the skills of technical or professional personnel such as registered nurses, licensed practical nurses, and physical or occupational therapists.

Example: Bob recently had his hip replaced. Although he is expected to recover fully, he needs physical therapy to be able to walk again. He was admitted to a skilled nursing facility to receive his therapy. He will remain there as long as he needs therapy on a daily basis and is getting better.

Non-Skilled Care

Non-skilled care is provided to persons who need help on a regular basis with their activities of daily living because of a physical limitation, chronic problem, or a cognitive problem. This care can be provided by a family member. It does not have to be performed by a medical professional like skilled care does. Non-skilled care is also known as custodial care.

Example: Ruby is suffering from rheumatoid arthritis. She has difficulty dressing herself and getting in and out of the bathtub. Her daughter comes to her house in the morning and evening to take care of her mother's needs.

CLICK HERE to download the updated NAIC "Shopper’s Guide to LTC Insurance"
Comfort Long Term Care is an independent insurance brokerage agency specializing exclusively in LTC insurance. Agency owner, Bill Comfort, The LTCpro® is a LTC specialist celebrating 30+ years of experience since 1991! We are based in the Raleigh, Durham, Chapel Hill, North Carolina Triangle region, but we serve clients throughout NC and across the country. We also have an office in St. Louis, Missouri.
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The information on this website is for general informational and educational purposes only, and it is not intended to be a direct solicitation for the sale of any specific insurance company or policy form.  Not all policy types, options, or riders discussed in general terms on this site are available in every state.  Individual requests for specific company or policy information will be directed to a properly-licensed agent for the applicable state of residence.  For complete information about any specific coverage - including limitations and exclusions - refer to a company-specific illustration and Outline of Coverage.
  • TakeCare!
    • LTC Awareness
    • Hybrid LTC Insurance Info
    • Partnership LTC Insurance
    • Tax Guide
    • Claims
    • Glossary
  • LTC Rate Increases
  • News
  • About
    • Bill Comfort
    • Companies
    • Rinny
  • Contact