I have been told that my father has non-custodial long-term insurance. What does that mean exactly?

It is good that the person has long-term care insurance and contact the company to ask your question.

Hi PNWgirl58,

Arleeda is right. Custodial care is another name for non-medical assistance with activities of daily living, such as bathing, eating and toileting.

If your father has a medical need for skilled services, it sounds like they would be covered under his long-term care insurance policy, whether provided in his home or in a facility (e.g. assisted living or a nursing home).

The two articles below may be able to help you learn more about the different levels of care and how to use Dad's insurance policy to pay for the services he needs.

The Difference Between Home Health Care and Non-Medical Home Care Services
https://www.agingcare.com/articles/difference-between-home-health-and-non-medical-home-care-services-426685.htm

Long-Term Care Insurance: How To Use a Policy and File a Claim
https://www.agingcare.com/articles/how-to-use-a-long-term-care-insurance-policy-198336.htm

Hope this helps!

-AgingCareEditor

This might help answer some of your questions. https://longtermcare.acl.gov/costs-how-to-pay/what-is-long-term-care-insurance/

I'm just guessing, but since "custodial care" is non-medical care and usually provided by medically unskilled caregivers, it probably means it won't pay for home caregivers, only for expenses occurred in an institutional setting.

Call the long-term insurance company and ask. All I can say is that having long-term care insurance is a really good thing!