Custodial care is normally covered under:

Custodial care typically involves assistance with activities of daily living, such as bathing, dressing, eating, and mobility. This type of care is often provided in settings like nursing homes, assisted living facilities, or even at home. Long-term care insurance is specifically designed to cover the costs associated with custodial care, as well as other types of long-term care that may not be covered by standard health insurance or other policies.

Health insurance primarily addresses medical care and treatment, including hospital stays, surgeries, and physician visits, but it does not generally cover custodial care. Disability insurance focuses on providing income replacement when an individual is unable to work due to a disabling condition, rather than covering the costs of long-term custodial care. Critical illness insurance provides a lump-sum payment upon diagnosis of a specific serious illness, but it does not address ongoing care needs like those provided through custodial services.

Thus, long-term care insurance is the appropriate choice for covering custodial care needs, making it the correct answer.