To qualify to activate a claim to use your long term care insurance, you must be unable to perform, without much assistance, at least two activities of daily living for a significant period of time, usually 90 days. You may also qualify due to sever cognitive impairment.

Activities of Daily Living (ADL’s)

1. Eating
2. Bathing
3. Dressing
4. Grooming
5. Homemaking
6. Walking/Transferring
7. Toileting
8. Continence