Services and care of a nonmedical nature to assist a patient in the activities of daily living (ADLs) on a long-term basis, usually for convalescent and chronically ill persons. This type of care includes acting as a companion and help in bathing, dressing, eating, preparation of special diets, supervision over self-administration of medications, using the toilet, and walking. Custodial care may or may not be a benefit of an insurance plan. In most cases, Medicare does not pay for custodial care but the Medicare home health benefit does pay for some personal care services.
Insurance Encyclopedia
Custodial care (Health Insurance)
Assistance with personal care, for example, eating, bathing, and dressing. This type of care must be given per doctors orders, but does not require that a medical professional be the one providing the care.
Custodial care facility
Setting of care or institution that provides room, board, and other personal assistance services usually on a long-term basis and does not include a medical component.
Custodial parent
1. Divorced parent the child lives with who bears the responsibility of the child’s medical expenses unless the divorce decree states otherwise. 2. Adoptive parent who becomes the legal parent of a child who was not born to him or her such as stepparent or relative and who bears the responsibility of the child’s medical expenses.
Custodian
See: custodian of records.
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One who has care or custody, as of some building, a keeper. Property with custodian are less risky and thus entitled to lower Insurance rates.
Custodian (Criminal)
In commercial crime coverage, the custodian is the person who has custody or takes care of any property on the insured’s premises.
Custodian of records
Employee who is legally responsible and has charge and custody of the care and handling for all the patient’s medical records in a hospital facility or physician’s medical practice. Electronically stored information has four levels of custodianship such as primary or direct custodian (e.g., staff nurse), data owner or steward (e.g., radiologist, pathologist, accountant), business associate and third party (e.g., claims clearinghouse, Internet service provider), and official record and system custodian (e.g., health information management department). Also called custodian.
Custody and Control
Public liability policies often exclude liability for damage to property in the insured’s custody and control but the exclusion may require modification or deletion, e.g., in the case of insured who provide car parks or cloakrooms.
Custody and control exclusion
Public liability policy exclusion, of property in the care, custody or control of the insured. The property concerned is ‘bailment’ property insurable by the bailor under a first party insurances or by bailees’ modified liability policies, e.g. hotel proprietors. In any event the general exclusion is overridden in respect of: (a) the effects of directors, employees and visitors, including their vehicles and contents; (b) premises (including contents) temporarily occupied by the insured for work purposes; (c) leased or rented premises; (d) third party property at premises, etc., other than the insured’s premises. See OWN PROPERTY EXCLUSION.
Custom and Usage
Custom and usage of a particular trade or market may be a defense to an otherwise valid claim if the parties can be taken to have accepted it, provided the custom or usage is not unlawful.