Which types of care are typically covered by long-term care insurance?

Long-term care insurance is designed to help cover the costs associated with extended care that is not typically covered by regular health insurance or Medicare. The correct choice highlights the types of care that long-term care insurance typically covers: skilled nursing home care and custodial care.

Skilled nursing home care refers to the services provided by licensed nurses in a nursing home or similar facility, often required after an illness, injury, or for chronic health issues that necessitate more intensive medical attention. This type of care is often needed when individuals require assistance with daily activities while also needing the expertise of medical professionals.

Custodial care involves assistance with daily living activities such as bathing, dressing, eating, and mobility support. It is generally provided by caregivers who do not need to have medical training, but this type of care is essential for individuals who are unable to live independently due to age, illness, or cognitive impairments.

The other options presented do not align with the typical coverage of long-term care insurance. Treatment for mental and nervous disorders, emergency room services, hospital stays, cosmetic procedures, and rehabilitative therapies are generally covered under different health insurance policies rather than long-term care insurance. These options reflect short-term or acute care services rather than the ongoing care associated with long