Zuvich Law Logo
  • Nicole J. Zuvich

What are ADLs in a long term care insurance policy?

Updated: Sep 27

As you approach your senior years, you probably wonder how you will receive care if you become disabled or mentally impaired. You know your current health insurance will not cover care costs like a nursing home or assisted living. This is why some people apply for a long-term care insurance policy. ADLs are an important component of this kind of policy.

An ADL is a term you may not have seen before. Nerdwallet explains what an ADL is and how it relates to your long-term care insurance policy.

Defining ADLs

An ADL stands for “activity of daily living.” These are actions that you must perform on your own as part of your everyday life, like bathing, dressing and eating. ADLs also involve your ability to care for incontinence, like whether you can handle problems using the bathroom.

In addition, ADLs address your ability to move. For example, you should have the ability to get on or off a toilet, known as toileting. Another ADL called transferring involves whether you can climb in and out of a bed or a chair.

When you cannot perform an ADL

A long-term care insurance policy hinges on whether or not you can carry out ADLs. Disability or mental illness may remove your capacity to do one or more ADLs and cause you to become dependent on others for help. This is where your policy may kick in and start applying for coverage.

Your long-term care insurance may begin coverage when you cannot perform at least two ADLs. For instance, you may have no capacity to access a toilet, bed or chair without assistance, but you can eat and dress without help. You will probably need to provide medical documents and see a nurse before your insurer will approve your claim.

Review your policy carefully

Be sure of the terms of your long-term care policy. Your insurer may expect you to supply medical documents, answer questions about your health, and even interview you in person or over the phone to approve your initial policy. Take the opportunity to examine the terms of whatever policy you are applying for.

Recent Posts

See All

Deciding to move your loved one into a care facility in New York might cause uncertainty and even guilt. However, this transition might be the answer to your concerns of overwhelm and burnout. You mig

Whether you make the plan for yourself or for another loved one facing his or her later years, it is important to understand what options you have for long-term care. There are many questions to tackl

Connect With Us

Disclaimer

Attorney Advertising. Prior results do not guarantee future outcomes.  Interaction with this site or contacting us via email, phone, or online forms does not establish an attorney-client relationship.  Do not send personal private information.  The attorneys of The Law Offices of Nicole J. Zuvich, P.C. practice primarily in the State of New York and may not be licensed in your jurisdiction.  The information on this website is for information purposes only and is presented "as is."  The law frequently changes. Information on this site may be incomplete or out of date.   See full DISCLAIMER here.

Zuvich Law Logo

400 West Main Street, Suite 332

Babylon, NY 11702

PHONE: (631) 840-6580
FAX: (631) 840-0084

1050 Franklin Avenue, Suite 308

Garden City, NY 11530

©2022 The Law Offices of Nicole J. Zuvich. All Rights Reserved.