Activities of daily living, or ADL, are often used by Long Term Insurance providers as a way of gauging whether or not an individual qualifies to receive benefits.
Activities of Daily Living typically include:
- Using the Restroom
- Transferring and Mobility
Typically, to qualify for the benefits associated with Long Term Care insurance, an individual will need to have trouble with at least two activities of daily living. Keep in mind that every provider of Long Term Care Insurance may have a different list of ADLs that they use. You will need to look at your specific policy to determine these.
When to Buy Long Term Care Insurance
The business model of insurance requires that people who do not need benefits pay in so that the insurance company can pay out. Because of this, you need to purchase a policy before you require benefits, or you will not qualify for coverage. Most people sign up for these plans in their mid-50s to 60s.
Long Term Care Insurance vs Other Insurance
Long term care insurance benefits can help you pay for home care not covered by your regular insurance plan. Unfortunately, Medicare does not cover home care assistance at this time. Medicaid coverage varies by state; this guide to Medicaid programs for senior care explains the types of programs offered under Medicaid plans. All states currently fund some form of long-term care, but each has different requirements.
If you need home care, your physician will provide documentation to the long term care insurance company. Many home care providers can actually provide an evaluation to determine what your needs for home care are, and help you coordinate with your medical care team and the insurance company to get the benefits needed to pay for home care.
AZ Best Home Care is happy to walk you through the process of determining your home care needs and receiving your long term care benefits.