What type of care is provided under intermediate care in Long-Term Care (LTC) insurance?

Intermediate care in Long-Term Care insurance is defined by the provision of occasional nursing or rehabilitative services rather than more intensive, full-time care. This type of care is designed for individuals who do not require constant medical supervision but still need assistance with daily living activities and may occasionally benefit from nursing or rehabilitation services.

The emphasis in intermediate care is on support that falls between custodial care, which is primarily assistance with activities of daily living without medical intervention, and skilled nursing care, which is available around the clock and involves more comprehensive medical oversight. This makes it suitable for individuals recovering from surgeries or other medical conditions who need periodic assistance rather than continuous care.

Full-time nursing care is indicative of a higher level of medical need that characterizes skilled nursing facilities, while respite care specifically refers to short-term relief for primary caregivers, not a consistent level of care. Thus, the classification of intermediate care aptly aligns with the occasional provision of nursing or rehabilitative services to support recovery and enhance the quality of life for individuals in a less intensive care setting.