To qualify to activate a claim to use your long term care insurance, you must be unable to perform, without much assistance, at least two activities of daily living for a significant period of time, usually 90 days. You may also qualify due to sever cognitive impairment.
Activities of Daily Living (ADL’s)
- Eating
- Bathing
- Dressing
- Grooming
- Homemaking
- Walking/Transferring
- Toileting
- Continence