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Insurance · Disability Income and Long-Term Care

What are 'ADLs' in long-term care insurance?

Reviewed by Jordan Morley, Editorial Lead at 247SimpleTests. Written by the 247SimpleTests Editorial Team from the official source material cited on every question.

Correct answer

Activities of Daily Living — the functional tasks (bathing, dressing, eating, transferring, continence, toileting) that LTC policies use to determine benefit eligibility

  1. A Advanced Diagnosis Letters
  2. B Activities of Daily Living — the functional tasks (bathing, dressing, eating, transferring, continence, toileting) that LTC policies use to determine benefit eligibility
  3. C Actual Dollar Losses from disability
  4. D Annual Dollar Limits on benefits

Why this is the answer

Activities of Daily Living (ADLs) are the fundamental self-care tasks adults perform daily. Long-term care insurance policies typically trigger benefits when the insured cannot perform a specified number of ADLs independently (usually 2 of 6). The six standard ADLs: BATHING (washing body); DRESSING (putting on clothes); EATING (feeding oneself); TRANSFERRING (moving from bed to chair); CONTINENCE (bladder/bowel control); TOILETING (using the toilet). A severe cognitive impairment (such as Alzheimer's disease) also typically qualifies independently of ADL assessment.
Source: Health Insurance Exam, LTC ADLs

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About this topic: Disability Income and Long-Term Care

Disability income and long-term care questions cover definitions of disability, elimination and benefit periods, riders, and the triggers and benefits of long-term care policies including partnership programs. This is one of 9 Health Insurance questions on disability income and long-term care, each with a full explanation on a single study page.

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