Long Term Care - LTC policy

Activities For Daily Living

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The basic activities of daily living consist of these self-care tasks:

  • Bathing
  • Dressing and undressing
  • Eating
  • Transferring from bed to chair, and back
  • Voluntarily control urinary and fecal discharge
  • Using the toilet
Long-Term Care insurers use the six guidelines as ‘triggers’, to denote when the benefits of your long-term care policy will kick in. It is important for you to check with your long-term care insurer, or to compare long-term care policies, so that you completely understand which of the ADL’s listed above would trigger your benefits under a particular long-term care policy.