What Is An Activity Of Daily Living
An activity of daily living is a term used in long term care insurance policies. So, just what is an activity of daily living? Everyday tasks such as bathing, dressing, preparing food, and using the bathroom are all considered activities of daily living. If you're no longer able to perform these basic tasks, you may need assistance in the form of nursing visits or nursing home care. The ability to perform an activity of daily living is often diminished as we grow older. People under the age of 65 may suffer from sudden illness or unexpected injuries, leaving them unable to perform what is considered an activity of daily living, but the majority of people who file insurance claims are over the age of 65. If you have a long term care insurance policy, it's important to understand what is included in your daily living coverage.
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What Is an Activity of Daily Living, and How Is It Used to Determine LTC Coverage? Many insurance companies base eligibility for long term care benefits on your ability to perform activities of daily living, or ADLs. Private insurance companies often structure their policies with cryptic codes for determining who is eligible for long term care. You may have difficulty performing one activity of daily living, but if you can perform other tasks, you may not be eligible for assisted living or nursing home benefits. With so many different companies offering long term care policies, it's next to impossible to know what your rights are as a consumer. If you feel you've been cheated out of the benefits you deserve, it's a good idea to speak with a lawyer. The law firm of Daley, DeBofsky, and Bryant has decades of experience with the insurance companies, they know the language used in long term care policies, they know the precedents, and they get you the coverage you deserve for all of your daily needs.
If you want to learn more, simply contact Daley, DeBofsky and Bryant at any time
by calling (312) 372-5200, emailing info@ddbchicago.com or
writing 55 W Monroe Suite 2440, Chicago, IL 60603.
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