# [Health Insurance] 34, Long-Term Care Insurance Fundamentals

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-34-long-term-care-insurance-fundamentals
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-34-long-term-care-insurance-fundamentals.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-04-30T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/d358071d-435f-4878-b878-c2b4e0739875.mp3
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Duration seconds: 186

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That standard health insurance and Medicare do not cover long-term custodial care, creating the need for LTC insurance. - The distinction between the three levels of care: Skilled (24/7 medical professional), Intermediate (intermittent skilled care), and Custodial (help with ADLs). - Why custodial care, assistance with Activities of Daily Living like bathing and dressing, is the most common type of long-term care. - The different settings where LTC services can be delivered, including nursing homes, assisted living, home health care, and adult day care. - A simple mnemonic, 'S-I-C' (Skilled, Intermediate, Custodial), to remember the levels of care from highest to lowest medical intensity. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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