Long Term Care - Choices/Options

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  "Cognitive impairment for LTC" refers to a significant decline in mental abilities, such as memory, reasoning, and decision-making, which can make it difficult for an individual to perform daily activities and potentially qualify them for long-term care (LTC) benefits, often requiring substantial supervision due to the risk of harm to themselves or others; this can include symptoms like confusion, disorientation, and difficulty following instructions.  

 Examples of cognitive impairments that could qualify for LTC:

• Severe memory loss
• Difficulty with problem-solving
• Poor judgment and decision-making
• Inability to follow instructions
• Confusion about time and place
• Difficulty communicating thoughts clearly 

Activities of daily living (ADLs) refer to basic tasks that individuals perform to maintain their independence and well-being. These tasks include: 

Basic ADLs:  (2 of 6 is what most policies have to qualify for benefits)

• Dressing: Selecting and putting on appropriate clothing.
• Eating: Consuming food and beverages independently.
• Toileting: Using the bathroom and maintaining continence.
• Bathing: Maintaining personal hygiene through bathing or showering.
• Mobility: Moving around the environment, such as walking, standing, and sitting.
• Transferring: Getting in and out of bed, chairs, or other surfaces.