Long-Term Care Insurance:                          Activities of Daily Living (ADLs)

The definition of long-term care is the need for assistance with the normal activities of daily living. These activities include:

                                                     Eating *  Bathing  *  Dressing                                                                                                    Transferring  *  Toileting  *  Continence  

Performing ADLs can be broadly defined as the normal management of daily life without causing harm to oneself or others.

Chronic difficulty with performing 2 or more ADL's is the normal definition of needing assistance.


Mental Impairment

The need for assistance may also be due to mental impairment. Memory loss, including conditions such as Alzheimer's Disease, is the most common reason people need long-term care services after age 70.



Incidental Activities of Daily Living (IADLs)

IADLs is the term used to describe and determine the convenience services required as a result of ADL loss or impairment. Examples of IADLs include:

                                               Cooking  *  Cleaning  *  Running Errands  






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