Long
Term Care is defined as the services provided to individuals who require assistance with the most basic activities of
daily living for at least 90 days or longer. These activities of daily living
cover the following areas:
Cognitive Issues
Due
to Dementia or Alzheimer's, it is determined that it is unsafe for you to be alone. This is a stand alone trigger
to receive benefits, regardless of whether you need care for any of the physical activities listed below.
Most long term care insurance plans require the need for assistance with 2 of the following 6 activities,
in order to qualify for benefits:
Bathing
Washing yourself by sponge bath; or in either a tub or shower, including the
task of getting into or out of the tub or shower.
Continence
Ability to maintain control of bowel and bladder functions; and when unable to
maintain control of bowel or bladder functions, the ability to perform associated personal hygiene (including caring for catheter
or colostomy bag).
Dressing
Putting on and taking off all items of clothing and any necessary braces, fasteners,
or artificial limbs.
Eating
Feeding yourself by getting food into the body from a receptacle (such as a plate,
cup, or table) or by a feeding tube or intravenously. Eating does not include
preparing a meal.
Toileting
Getting to and from the toilet, getting on and off the toilet, and performing
associated personal hygiene.
Transferring
Moving into or out of a bed, chair, or wheelchair. Transferring does not include the task of getting into or out of the tub or shower.
