Long-Term Care Insurance:
Long-term care insurance is essential for those needing extended care, whether in-home or in a specialized facility. This type of insurance is activated when you are unable to perform at least two of the six Activities of Daily Living (ADLs).
The six Activities of Daily Living are:
- Bathing: The ability to clean oneself and perform grooming activities like shaving and brushing teeth.
- Dressing: The capacity to make appropriate clothing decisions and physically dress oneself.
- Eating: The ability to feed oneself, including the physical act of eating and the ability to prepare food if necessary.
- Transferring: Being able to walk and move from one place to another, including getting in and out of a bed or chair.
- Toileting: The ability to get to and from the toilet, use it appropriately, and clean oneself.
- Continence: The ability to control bladder and bowel functions, or manage personal hygiene, including caring for a catheter or colostomy bag.
These activities are essential for determining eligibility for LTC benefits
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