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Question

What is the difference between skilled care and custodial care?

Answer

Skilled care is medical care provided by licensed professionals, such as physical therapy after surgery or wound care. Custodial care is nonmedical assistance with daily activities like bathing, dressing, and eating. Medicare covers short-term skilled care but doesn’t cover custodial care, which is what most long-term care involves.

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Is long-term care insurance worth it if I have significant assets?

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Insurance Solutions Retirement Asset Protection Retirement Planning Health & Wellness Long-Term Care Living in Retirement Healthcare & Medicare Protecting Your Legacy FAQs
Last Updated Sept. 29, 2026
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