Pennsylvania Long-Term Care insurance policies provide benefits across three recognized levels of care:skilled nursing care, intermediate care, and custodial care. These levels represent increasing degrees of assistance needed by individuals who can no longer perform activities of daily living independently.
Skilled nursing care involves continuous medical supervision provided by licensed nurses and physicians. Intermediate care requires some medical oversight but not on a continuous basis. Custodial care focuses on non-medical assistance with daily activities such as bathing, dressing, and eating.
These three levels are consistently referenced in Pennsylvania Life, Accident, and Health Insurance licensing materials as the standard framework for long-term care coverage. The other answer choices do not align with Pennsylvania’s recognized classification system. Therefore, the correct and verified answer isB. Skilled nursing, Intermediate, and custodial care.
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