Long Term Care insurance pays for services which help with daily living activities when a person is not able to perform them by themselves. Formally, they are called Acts of Daily Living or commonly referred to as ADL’s.
Insurance companies define ADL’s as the following six activities :
1. Bathing and showering
2. Dressing and undress oneself.
3. Grooming – As an example: brushing your hair and clipping your nails.
4. Eating – the ability to feed oneself, though not necessarily the capability to prepare food.
5. Continence – This includes the ability to get on and off the toilet and cleaning oneself.
6. Transferring/Mobility- being able to stand from a sitting position, as well as get in and out of bed.
The level of independence is based on whether someone can perform these activities on their own or they need help from a family caregiver. Typically, a Long Term Care Policy will pay benefits if the insured person is not able to perform at least two of the six ADL’s.
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