How to Use Your Policy: ADLs
Activities of Daily Living are key.
In order to receive Long-Term Care Insurance benefits, most policies say that a policyholder must require assistance with at least two Activities of Daily Living (ADLs) or have cognitive impairment. Standard LTCI policies include five or six of the following ADLs:
ACTIVITIES OF DAILY LIVING
Bathing & Showering
Ambulation (helps with mobility and transferring)
Grooming (assistance with personal hygiene)
Feeding (not including chewing or swallowing)