Long Term Care 101

Activities of Daily Living (ADL’s)rsz_dscn1264 (1)

 These are the basic activities that enable you to take care of yourself.  Each policy will include what that insurance company defines as activities of daily living (ADL’s), and the list will include some or all of the following:  bathing, dressing, transferring, eating, toileting, continence and mobility.  

People who need help from someone else in doing one or more of these are said to have an “ADL limitation,” or “ADL” for short.  Insurance policies usually specify how many “ADL’s) you must have before they pay benefits.  ADL’s are further classified as requiring “hands-on assistance” or “standby assistance”.

Adult Day Care Facility

A facility that is licensed by the state in which it is located; has a full time director and a nurse present at least four hours per day; is not an overnight facility; maintains a written record of services rendered; is open a minimum number of hours per day at least five days per week; has established procedures for handling medical emergencies.  It does not include care received at home or n a hospital or a convalescent care facility.  Not all policies cover adult day care, and those that do cover it pay for the service at different rates.



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