Long Term Care insurance is coverage that pays for home health or facility-based custodial care if you have a chronic health condition that prevents you from doing two or more of the six Activities of Daily Living or have a cognitive impairment such as Alzheimer’s or dementia.
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Bathing: The ability to clean oneself and perform grooming activities like shaving and brushing teeth.
Dressing: The ability to get dressed by oneself without struggling with buttons and zippers.
Eating: The ability to feed oneself.
Transferring: Being able to either walk or move oneself from a bed to a wheelchair and back again.
Toileting: The ability to get on and off the toilet.
Continence: The ability to control one’s bladder and bowel functions.