Depending on the policy, a policy is triggered when a client cannot perform a certain number of the Activities of Daily Living (ADL’s). Some policies trigger when the insured cannot perform 2 of the ADL’s and for others it is more so you need to check with your financial advisor with an elder-care specialty for what would be best for your situation.
· Bathing
· Continence-the ability to retain a bodily discharge voluntarily
· Dressing
· Eating
· Toileting
· Transferring-moving into or out of a chair, bed or wheelchair
