The Importance of Custodial Care in Long-Term Care

Shawn Plummer

CEO, The Annuity Expert

When most people think of long-term care, they think of nurses and doctors taking care of them. While this is certainly a vital part of long-term care, it is not the only aspect that needs to be considered. One often overlooked but equally important part of long-term care is custodial care. Custodial care refers to the day-to-day tasks that are necessary for basic hygiene and functioning. Here we will discuss the importance of custodial care in long-term care and how it can benefit those who require it.

What Is Custodial Care?

Long-term care includes a wide range of services beyond medical care. Many people requiring long-term care are not actually sick; instead, they just need custodial care.

Custodial care involves providing assistance with basic activities such as bathing, grooming, eating, dressing, and similar chores. Personal hygiene, dressing, and toileting are all examples of this kind of LTC. These services are designed to minimize, rehabilitate, or compensate for the loss of independent physical or mental functioning.

Long-term custodial care may also include activities like cooking meals, going shopping, and cleaning the house. Custodial care is designed to preserve and enhance a person’s current quality of life while also preventing deterioration by maintaining health and preserving it.

Custodial care might be provided by people with no special professional expertise or training. Its primary goal is to help individuals with activities of daily living (ADLs) and instrumental activities of daily living (IADLs).

Where is Custodial Care Provided?

Custodial care is provided in:

Types Of Long-Term Care At A Glance

Custodial CareIntermediate CareSkilled Care
PurposeAssistance with ADLs to
maintain current status and meet current needs
Rehabilitative or restorative
services
Medically necessary nursing care, therapy, or rehabilitation
FrequencyPeriodically or dailyIntermittently or periodicallyDaily
Provided ByFamily, friends, health aidesPhysicians, nurses, licensed therapistsPhysicians, nurses, licensed therapists
Provided InHome, community care centers, skilled nursing
facilities
Home, intermediate care facilities, skilled nursing facilitiesSkilled nursing facilities
DurationUsually long-termUsually, short- to mid-termUsually short-term

How Much Does Custodial Care Cost?

According to Genworth, the annual median cost for long-term custodial care in 2020 is:

The Benefits Of Custodial Care

There are many benefits of custodial care. This type of care can help seniors stay independent and live in their own homes for longer. Custodial care can also provide respite for family caregivers who need a break from caregiving duties.

Drawbacks Of Custodial Care

There are some drawbacks to custodial care. One of the biggest concerns is that this type of care can be costly. In some cases, families may have to pay for services out-of-pocket. It is also important to note that private health insurance plans do not typically cover custodial care services.

Another concern about custodial care is that it can be challenging to find quality services. In some cases, family caregivers may feel like they are not getting the help they need from their loved one’s care provider. If you are considering custodial care for your loved one, we encourage you to do your research and choose a reputable provider.

How To Pay For Custodial Care At A Fraction Of The Cost

A long-term care annuity is a hybrid annuity set up to assist in paying for custodial care without causing retirement funds to be depleted. To create a tax-free long-Term Care Insurance benefit, an LTC annuity doubles (200%) or triples (300%) the investment (based on medical records). If there is money in the annuity, it passes along a death benefit to beneficiaries.

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Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

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

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