What the Government and the Health Care
Industry said about Long Term Care
Industry said about Long Term Care
Long Term Care is.. Custodial Care.
Activities of Daily Living functions for Long Term Care Insurance
Long Term Care Insurance :: Activities of Daily Living
Some of the stats on this page are courtesy of CMS, the Centers for Medicare and Medicaid Services.
Fact:
"Most long-term care is to assist people with support services such as activities of daily living like
dressing, bathing, and using the bathroom.”
Activities of Daily Living - Also referred to here as ADLs.
All Tax-Qualified LTC policies will trigger when you need assistance with 2 of 6 ADLs or a cognitive
impairment. ADLs are things we mostly take for granted in our younger, healthier years. When you wake
up in the morning and hop out of bed and get dressed, you are doing ADLs.
The standard definition of the six types of Activities of Daily Living are:
• Eating
• Bathing
• Dressing
• Toileting
• Transferring
• Maintaining continence.
===================================================================================
While a specific definition of these activities will vary a bit from one long term care insurance company to
another, we will discuss the definitions in general.
Bathing means washing oneself in a bath tub or shower, or by sponge bath. It also includes the individual’
s ability to get into and out of a shower or tub.
Continence means the individual’s ability to:
• control his or her bladder functions; or
• adequately perform needed person hygiene, including taking care of a catheter or colostomy bag, when
unable to control bowel or bladder functions.
Dressing means the individual’s ability to put on and take off:
• all items of clothing; and
• any needed braces, fasteners or artificial limbs.
Eating means the process of putting food into the body:
• from some receptacle, such as a cup or plate;
• by means of a feeding tube; or
• intravenously.
Toileting means:
• getting to and from the toilet;
• getting on and off the toilet; and
• performing associated personal hygiene.
Transferring means moving into or out of a:
• chair;
• bed; or
• wheelchair.
Activities of Daily Living functions for Long Term Care Insurance
Long Term Care Insurance :: Activities of Daily Living
Some of the stats on this page are courtesy of CMS, the Centers for Medicare and Medicaid Services.
Fact:
"Most long-term care is to assist people with support services such as activities of daily living like
dressing, bathing, and using the bathroom.”
Activities of Daily Living - Also referred to here as ADLs.
All Tax-Qualified LTC policies will trigger when you need assistance with 2 of 6 ADLs or a cognitive
impairment. ADLs are things we mostly take for granted in our younger, healthier years. When you wake
up in the morning and hop out of bed and get dressed, you are doing ADLs.
The standard definition of the six types of Activities of Daily Living are:
• Eating
• Bathing
• Dressing
• Toileting
• Transferring
• Maintaining continence.
===================================================================================
While a specific definition of these activities will vary a bit from one long term care insurance company to
another, we will discuss the definitions in general.
Bathing means washing oneself in a bath tub or shower, or by sponge bath. It also includes the individual’
s ability to get into and out of a shower or tub.
Continence means the individual’s ability to:
• control his or her bladder functions; or
• adequately perform needed person hygiene, including taking care of a catheter or colostomy bag, when
unable to control bowel or bladder functions.
Dressing means the individual’s ability to put on and take off:
• all items of clothing; and
• any needed braces, fasteners or artificial limbs.
Eating means the process of putting food into the body:
• from some receptacle, such as a cup or plate;
• by means of a feeding tube; or
• intravenously.
Toileting means:
• getting to and from the toilet;
• getting on and off the toilet; and
• performing associated personal hygiene.
Transferring means moving into or out of a:
• chair;
• bed; or
• wheelchair.
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Long Term Care Information
