Activities of Daily Living and Long Term Care Insurance Research.
To prevent your family from having to liquidate your assets or rely on Medicaid, considering Long Term Care Insurance can be smart planning. At LTC Tree, we will shop the major market carriers for you and provide a side-by-side quote and comparison of your options. The best part about our service is that you never have to meet in person with a salesperson trying to sell you a big insurance policy.
Definitions of Activities of Daily Living and Long-Term Care Insurance Policies
Eating is defined as the process of putting food into the body…
- From some receptacle, such as a cup or plate.
- By means of a feeding tube.
Bathing is defined as the act of washing oneself in a bathtub or shower, or by sponge bath. It also includes the individual’s ability to get into and out of a shower or tub.
Dressing is defined as the individual’s ability to put on and take off.
• all items of clothing
• any needed braces, fasteners, or artificial limbs
Toileting is defined as
• getting to and from the toilet
• getting on and off the toilet
• performing associated personal hygiene
Transferring is defined as moving into or out of a
Continence is defined as the individual’s ability to
• control his or her bowel or bladder functions
• adequately perform needed personal hygiene, including taking care of a catheter or colostomy bag, when unable to control bowel or bladder functions
All of the companies LTC Tree represents sell Tax-Qualified Long Term Care Insurance policies. One of the requirements in order for an insurance policy to be tax-qualified is that it must be activated when one needs assistance with any two ADLs. This is something to be aware of when you are shopping.
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Instrumental Activities of Daily Living (IADLs)
The process of normal aging combined with illness can impede one’s ability to perform the tasks of normal daily living necessary in order to live independently. Thus, the individual’s functional levels must be assessed in order to plan for specific services or for rehabilitation of injuries. These assessments help establish a baseline for the person’s functionality, and changes may the precursors for the need for additional resources or medical treatment. When measuring a person’s levels of functioning, instrumental activities of daily living (or IADLs) are used to help find solutions. Patients are scored as to whether or not they can perform these IADLs independently; or if they require some help; or if they are completely dependent on assistance with IADLs. IADLs typically involve interaction with a person’s environment. This interaction may be in the home or in their community.
The following tasks are the main examples that are considered IADLs:
- Shopping– can the person select and buy food and clothing by themselves, or are they unable to shop at all?
- Traveling locally and afar—is the person able to drive safely or travel independently on buses or taxis either by themselves or with a companion; or are they simply unable to travel at all?
- Managing their money – Is the person able to manage their finances, such as paying bills or balancing their checkbook? Can the person manage their daily purchases, but needs help paying bills; or are they simply unable to handle money at all?
- Housework and chores – can the person do heavy housework that must be done, such as cleaning the floors and taking out the trash; or can they perform light housework but may need help with heavy chores; or are they unable to perform any household duties at all?
- Preparing food – can the person plan and cook full meals; or are they able to prepare only light meals by themselves; or are they unable to prepare any food by themselves?
- Using the phone – can the person independently dial and receive calls with no help? Can the person answer the phone or dial 911 in emergencies, or do they require a special telephone to assist with finding the number and dialing? Is the person unable to use the telephone at all?
- Taking medicine – can the person take medications safely at the correct time of day or they unable to take medications without supervision at all?
The main benefit triggers of Medicare, Medicaid, and Long Term Care Insurance is if the person needs help with two or more Activities of Daily Living or (ADLs) which can be found at the top of this page.