What are ADLs in a Long-Term Care Insurance Policy?

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

About Scott A. Olson

Scott A. Olson, is the author of “The Guidebook for Making Long-Term Care Insurance Easier.” He is a licensed insurance agent and has specialized in long-term care insurance since 1995. He is licensed to sell long-term care insurance in over 40 states. Scott was born and raised in New Jersey and attended Rutgers University. Scott was a caregiver for a close relative for two years. That personal experience has made him acutely aware of how to help his clients design and choose a long-term care policy that will benefit them when they need it the most. Scott and his wife Carolyn live in Redlands, California. Scott and Carolyn have four sons.