Using Long-Term Care Insurance Benefits for Home Care
Wondering if you can recieve long term care insurance benefits?
In order to receive Long Term Care Insurance Benefits, most policies say that a policyholder must require assistance with at least two Activities of Daily Living (ADLs) or have cognitive impairment. Standard LTCI policies include 5 or 6 of the following ADLs:
- Bathing & Showering
- Ambulation (help with mobility and transferring)
- Grooming (assistance with personal hygeine)
- Feeding (not including chewing or swallowing)