LTC Custodial Care

Long-term care (LTC) custodial care refers to the type of care that is provided to an individual who needs assistance with daily living activities. This care is typically non-medical in nature and is designed to help individuals maintain their quality of life and independence as they age. Custodial care can be provided in a variety of settings, including the individual's home, assisted living facilities, or nursing homes.

An example of custodial care could include assistance with bathing, dressing, eating, toileting, and mobility. Unlike skilled nursing care, which is provided by licensed medical professionals, custodial care can be provided by non-medical personnel, such as certified nursing assistants or home health aides.

Key features of LTC custodial care may include:

• Assistance with activities of daily living (ADLs) such as bathing, dressing, toileting, and eating

• Assistance with instrumental activities of daily living (IADLs) such as managing finances, cooking, and cleaning

• Help with mobility and transferring

• Assistance with medication management

• Personal care services

• Homemaker services

• Respite care for caregivers

• Assistance with cognitive impairments

• Assistance with socialization and recreational activities

It's important to note that custodial care is not typically covered by traditional health insurance plans, but may be covered by long-term care insurance policies or Medicaid in certain circumstances.

Next Up

Welcome to our latest release. We are excited for you to try the new features.
According to Mployer Insights’ 2026 analysis of 50,000+ employer health plans, prescription drugs account for over 25% of total benefit expenses, with Tier 4 specialty drugs driving the majority of high-cost claims. While Tier 4 copays average $123 with coinsurance requirements in 31% of plans, individual oncology therapies like Darzalex Faspro ($170,800/yr) and Keytruda ($158,200/yr) frequently exceed average individual stop-loss deductibles ($141,938). To mitigate exposure, self-funded employers are increasingly turning to independent, transparent PBM models and biosimilar substitution—which yields up to a 73% net cost reduction per patient.
Most U.S. employers now offer paid maternity leave beyond the legal minimum, but coverage varies widely once you look past the basics. According to Mployer Insights' 2026 analysis of more than 50,000 employer benefit plans, 68% of employers provide paid maternity leave on top of short-term disability, typically adding 8 extra weeks, and half now cover 100% of salary during the disability period. Support drops off from there: only 41% of employers offer paid bonding leave for non-birth parents, and advanced family-building benefits remain even less common, with just 28% covering IVF and 11% offering adoption financial assistance. The data suggests that while baseline maternity leave has become standard, more comprehensive family-building support is still the exception rather than the norm.