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Insurance · General

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

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 Annual Dollar Limits on benefits
  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 Advanced Diagnosis Letters

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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