When considering long-term care (LTC) options, understanding the criteria for eligibility is crucial. Activities of Daily Living (ADLs) play a significant role in determining when individuals may qualify for LTC services.

Let’s explore how many ADLs it typically takes to trigger LTC eligibility.

ADLs refer to basic self-care tasks that individuals usually perform daily to maintain their independence and well-being.

These activities include…

1. Eating – The ability to feed oneself independently or with minimal assistance, including the ability to chew, swallow, and use utensils.
2. Bathing – The ability to bathe oneself safely and effectively, including getting into and out of the bathtub or shower, washing, and drying oneself.
3. Dressing – The ability to select appropriate clothing put it on, and fasten or adjust clothing items independently.
4. Toileting – The ability to use the toilet independently, including transferring to and from the toilet, maintaining personal hygiene, and managing clothing.
5. Transferring– The ability to move between different positions, such as from lying to sitting, sitting to standing, or getting in and out of bed or a chair, safely and without assistance.
6. Continence – The ability to control bowel and bladder function independently, including the ability to use the toilet or manage incontinence needs.

The number of ADLs a person needs assistance with can vary depending on the individual’s circumstances and the requirements of specific LTC programs or insurance policies. In general, individuals may be considered eligible for LTC services when they require assistance with two or more ADLs regularly.

LTC eligibility criteria may also consider factors such as cognitive impairment, medical conditions, safety risks, and the availability of informal support from family or caregivers. Eligibility requirements may vary depending on the specific LTC program or insurance plan.

When determining LTC eligibility based on ADLs, individuals and families are encouraged to consult with healthcare professionals, LTC specialists, and insurance providers to understand the specific requirements and options available to them. Planning and exploring LTC options can help individuals and families make informed decisions about their long-term care needs and financial planning.

For further guidance on LTC eligibility and planning, individuals are encouraged to seek assistance from LTC professionals, financial advisors, and elder law attorneys specializing in long-term care planning. Understanding LTC eligibility criteria and planning can help individuals and families access the care and support they need when the time comes.