Activities Of Daily Living
What Does Activities Of Daily Living Mean?
Activities of Daily Living (ADLs) refer to routine tasks that individuals perform independently each day. These activities include:
- Eating, bathing, and dressing
- Toileting: The ability to get on and off the toilet and perform personal hygiene tasks
- Transferring: The ability to move in and out of a bed or chair without assistance
- Maintaining continence: The ability to control bladder and bowel functions
When individuals need assistance with at least two ADLs, their long-term care insurance begins to provide the benefits outlined in the policy.
Insuranceopedia Explains Activities Of Daily Living
Long-term care insurance companies typically base benefits on the policyholder’s ability to perform Activities of Daily Living (ADLs) independently. Each company may define these activities differently and assess the policyholder’s ability to perform them without assistance. This evaluation helps determine the type of long-term care the policyholder needs, such as home care or nursing home care, and the appropriate coverage, such as Medicare, Medicaid, or long-term care insurance.
