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