What is Custodial Care?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

What is Custodial Care?

Definition and Purpose of Custodial Care

Custodial care involves assistance with daily living activities rather than medical care. It’s for individuals who need help with tasks like bathing, dressing, eating, and moving around. This care can be provided at home, in a community setting, or in a facility like a nursing home.

What Is Custodial Care

Examples of Custodial Care Services

  • Personal Care: Helping with bathing, dressing, and grooming.
  • Meal Preparation: Assisting with cooking and feeding.
  • Housekeeping: Cleaning, laundry, and other household tasks.
  • Transportation: Providing or arranging transport for errands or appointments.
  • Companionship: Offering social interaction and engagement.

Who Needs Custodial Care?

Custodial care is often required by:

  • Elderly individuals who are not medically ill but struggle with daily tasks.
  • People with chronic conditions like dementia or physical disabilities.
  • Those recovering from surgery or illness who need temporary assistance.

Paying for Custodial Care

Custodial care is typically not covered by Medicare but may be covered partially by Medicaid or long-term care insurance, depending on your policy and location.

Custodial Care Definition


Custodial care plays a vital role in supporting individuals who need help with everyday tasks but do not require medical treatment. Understanding the nature of this care and how it differs from medical care is essential in making informed decisions for yourself or your loved ones. For more information and personalized advice, contact us today for a free quote.

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Questions From Our Readers

What is custodial care?

Custodial care is hands-on assistance with activities of daily living such as bathing, dressing, and eating.

What is a custodian in a care home?

A custodian in a care home is a person who provides personal care, supervision, and assistance to residents.

Which type of coverage pays benefits for custodial care?

Long-term care insurance pays benefits for custodial care.

Which type of coverage would be most appropriate for an individual who needs custodial care at home?

Home health care insurance would be most appropriate for an individual who needs custodial care at home.

What is an example of non-medical care related to long-term care?

Examples of non-medical care related to long-term care include companionship, meal preparation, and help with daily activities.

What is the minimum benefit that a long-term care policy must offer?

The minimum benefit that a long-term care policy must offer is daily or monthly cash benefits for policyholders.

What is the difference between intermediate care and custodial care?

Intermediate care involves medical and nursing services, while custodial care is non-medical support such as feeding, dressing, or bathing assistance.

Does Medicare cover custodial care?

Medicare does not cover custodial care if that is the only care needed.

Does Medicare Part A cover custodial care?

No, Medicare Part A does not cover custodial care.

What are examples of custodial care?

Examples of custodial care include help with bathing, dressing, eating, using the bathroom, and moving around.

Which is a likely setting for a custodial care facility?

A likely setting for a custodial care facility is a nursing home or assisted living facility.

Can I get custodial care insurance for my brother?

Yes, you can purchase custodial care insurance for your brother. Custodial care insurance, often part of long-term care insurance, covers assistance with daily activities like bathing, dressing, and eating. When buying this insurance for a family member, you’ll need to be involved in the application process and may need your brother’s consent and medical information.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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