Long Term Care Insurance

Physical Impairment

Below are examples of custodial care and common reasons for entering a nursing home.

If you cannot perform a certain number (usually Two) of the activities of daily living (ADLs) without the hands-on assistance of another person, you qualify for custodial care.

ADLs are described below.

Bathing                      Wash yourself either by sponge bath, or in the tub or shower;
get in or out of the shower.

Dressing                    Put on and take off all items of clothing and any necessary braces,
fasteners or artificial limbs.

Toileting                   Get to and from, on and off the toilet; perform associated
personal hygiene.

Continence                 Maintain bowel and bladder control or perform personal hygiene
associated with a catheter or colostomy bag.

Transferring             Move in and out of a chair, bed or wheelchair.

Eating                        Feed yourself by getting food into your body from a plate, cup,
or table or by using feeding tubes or intravenous tubes.

Medical experts agree that bathing is the ADL most likely to give people trouble.

Cognitive (Mental) Impairment

Benefit triggers for cognitive impairment are described in general terms below.

· You have been diagnosed as having a condition such as Alzheimer's Disease or senile dementia (senility), and

· The deterioration or loss of your cognitive (mental) ability requires 'verbal cueing' by another person to protect yourself and others, and

· Your condition has been verified by tests that are approved by the insurance company to reliably measure your impairment in the following areas:

o    Your memory, or

o    Your orientation as to person (such as who you are), place (where you are), and time (day, date, year), or

o    Your deductive or abstract reasoning.