LTC qualifying events:
Generally policies have both and you need one or the other to qualify for benefits.
"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.
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