Tag Archive | Activities of daily living

What is Long-Term Care?

What is Long-Term Care? Long-term care includes a variety of services that may be both medically and/or non-medically necessary for people with a chronic illness or disability.  Health and personal needs are met through long-term care.  Generally speaking, long-term care provides people assistance with activities of daily living, such as bathing, dressing, eating, toileting or […]

What does “Hands-On Assistance” mean in a long-term care insurance policy?

Hands-On Assistance = Physical assistance (minimal, moderate or maximal) without which the individual would not be able to perform the activities of daily living. Source: National Association of Insurance Commissioners A Shopper’s Guide to Long-Term Care Insurance 2009

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: […]

What is Substantial Assistance in a Long-Term Care Insurance Policy?

Substantial Assistance = Hands-on or stand-by help required to do activities of daily living (ADLs). Source: National Association of Insurance Commissioners A Shopper’s Guide to Long-Term Care Insurance 2009