Arizona Life and Health Practice Exam

Custodial care is typically covered under which type of insurance?

1. Health insurance

2. Long-term care insurance

3. Disability insurance

4. Life insurance

The correct answer is: Long-term care insurance

Custodial care is primarily associated with assistance in the activities of daily living, such as bathing, dressing, eating, and mobility. This type of care is often required for individuals who are unable to perform these tasks independently due to chronic illness, disability, or aging. Long-term care insurance is specifically designed to cover extended care services, including custodial care, whether provided in one's home, in a community facility, or in a nursing home. Health insurance generally focuses on acute care and medical treatments rather than long-term custodial services. Disability insurance is intended to provide income replacement for individuals unable to work due to a disability but does not cover the costs of personal care services. Life insurance is a financial product that pays out a death benefit to beneficiaries and does not address custodial or long-term care needs. Thus, long-term care insurance directly addresses the costs associated with custodial care, making it the correct choice for covering such services.