Am I Eligible for Long Term Care?

Eligibility requirements for long term care will vary by insurance company.

The inability to perform a certain number of "activities of daily living," or ADLs, is the most common way insurance companies decide when you're a candidate for long term care benefits. Usually, a policy pays benefits when you can't do either two or three of them. The most commonly used ADLs are:

bathing
continence
dressing
eating
toileting (moving on and off the toilet)
transferring (getting in and out of bed)

Note: Studies have shown that bathing usually is the first ADL a person can't do, according to the National Association of Insurance Commissioners (NAIC). Qualifying for benefits under a policy that only uses five ADLs may be hard if bathing isn't one of the five.

Source:
The National Association of Insurance Commissioners

Related Article: Benefits of Long Term Care >>