Accessing Long-Term Care Benefits
Most long-term Care (LTC) insurance policies require medical documentation that you are unable to perform or need substantial assistance with at least two out of the six activities of daily living (ADLs) listed below to access benefits. A cognitive impairment will override the requirement.
- Bathing. The ability to clean oneself and perform grooming activities like shaving and brushing teeth.
- Dressing. The ability to get dressed by oneself without struggling with buttons and zippers.
- Eating. The ability to feed oneself.
- Transferring. Being able to either walk or move oneself from a bed to a wheelchair and back again.
- Toileting. The ability to get on and off the toilet.
- Continence. The ability to control one's bladder and bowel functions.