Activities of Daily Living (ADLs) = Everyday functions and activities individuals usually do without help. ADL functions include bathing, dressing, eating, toileting, transferring from a bed or a chair, and maintaining continence. Policies use the inability to do a certain number of ADLs (such as two of six) to decide when to pay benefits.
Source: National Association of Insurance Commissioners
A Shopper’s Guide to Long-Term Care Insurance 2009