Understanding Your Long Term Care Policy
Understanding Your Long-Term Care Policy This is a simple guide to LTC. Other factors can be important, but the information below should be considered by the individual and families filing a Long-Term Care insurance claim: Care Needs & Activities of Daily Living (ADL) – most LTC policies require deficiency in two or more ADL. The insurance company will arrange a virtual or face-to-face evaluation to assess the proficiency in these areas. Bathing – Capable of bathing independently with exception of one area (feet, back, etc.) Dressing – Select clothes from closet, dresser and appropriately dress. Toileting – Go to bathroom...