What Is An ADL
If you're looking for long term care insurance, you've probably seen the term ADL and wondered what it meant. ADL, or activity of daily living, is just what it sounds like. Many people who need long term care require assistance when performing daily tasks like bathing, getting in and out of bed, preparing food, and using the bathroom. Insurance companies often base their decision to cover long term care benefits on the amount of help patients need with ADLs. For some insurance companies, if you need help with more than two different activities, you qualify for benefits. Other companies require proof of additional needs in order to trigger your benefits package.
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What Is an ADL, and How Is It Used to Determine Long Term Care Benefits? For many insurance companies, the ADL that most often triggers insurance benefits is the inability to bathe without assistance. Some people require a great deal of assistance while others only need assistance with a single ADL. The right insurance policy may offer different levels of assistance in different settings including the home, a nursing home, and adult day care facilities. When you know what your insurance policy covers, you're more likely to know when your insurance company is falling short of its promises. If you feel you're not getting the coverage you deserve, the law firm of Daley, DeBofsky, and Bryant is standing by waiting to get you what you need from your long term insurance policy. Many people turn to Daley, DeBofsky, and Bryant for help filing their claims because these legal eagles can resolve qualification issues quickly.
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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