What are Activities of Daily Living?
Today I was doing some research into long term care Insurance and found that there are things called activities of daily living that must be triggered in order for the LTC insurance policy to step in and take over. Six activities, each of which is generally considered central to leading a normal life, comprise the activities of daily living. These activities are usually shortened to ADLs, and include things like bathing, toileting, eating, dressing, transferring, and so on. You can see that these are things that most people can do without trouble. The insurance companies have a history of paying about 97% of claims, so there is little worry that they are going to try and scam their clients out of money.