What are the 6 or 7 Activities of Daily Living
to trigger Long Term Care Benefits?
Here’s the definitions of the 2 out of 7 or 6 things that if you can’t do them, then you can use the benefits in your LTC long term coverage. For more detail click on this link to see the Lawton ADL (Activities of Daily Living) Scale & Video.
Long Term Care Insurance
Federally Tax Qualified Definitions
(f) The definitions of “activities of daily living” to be used in policies and certificates that are intended to be federally qualified long-term care insurance shall be the following…:
(1) Eating, …feeding oneself by getting food in the body from a receptacle (such as a plate, cup, or table) or by a feeding tube or intravenously.
(2) Bathing, … washing oneself by sponge bath or in either a tub or shower, including the act of getting into or out of a tub or shower.
(3) Continence, … the ability to maintain control of bowel and bladder function; or when unable to maintain control of bowel or bladder function, the ability to perform associated personal hygiene (including caring for a catheter or colostomy bag).
(4) Dressing, … putting on and taking off all items of clothing and any necessary braces, fasteners, or artificial limbs.
(5) Toileting, …getting to and from the toilet, getting on or off the toilet, and performing associated personal hygiene.
(6) Transferring, which shall mean the ability to move into or out of bed, a chair or wheelchair. CA Insurance Code §10232.8
Learn More about the definitions & how they are rated
- Lawton IADL scale
- Outline Of Coverage
- Full Long Term Care Policy 52 pages
- National Assoc of Insurance Commissioners Shoppers Guide to LTC
- California Guide to Long Term Care
- Aging in place (your home)
Definitions for Plans
Not Qualified for Good Tax Treatment
(a) In every long-term care policy or certificate that is not intended to be a federally qualified long-term care insurance contract and provides home care benefits, the threshold establishing eligibility for home care benefits shall be at least as permissive as a provision that the insured will qualify if either one of two criteria are met:
(1) Impairment in two out of seven activities of daily living.
(2) Impairment of cognitive ability.
(g) The definitions of “activities of daily living” to be used verbatim in policies and certificates that are not intended to qualify for favorable tax treatment under Public Law 104-191 shall be the following:
(1) Eating, which shall mean reaching for, picking up, and grasping a utensil and cup; getting food on a utensil, and bringing food, utensil, and cup to mouth; manipulating food on plate; and cleaning face and hands as necessary following meals.
(2) Bathing, which shall mean cleaning the body using a tub, shower, or sponge bath, including getting a basin of water, managing faucets, getting in and out of tub or shower, and reaching head and body parts for soaping, rinsing, and drying.
(3) Dressing, which shall mean putting on, taking off, fastening, and unfastening garments and undergarments and special devices such as back or leg braces, corsets, elastic stockings or garments, and artificial limbs or splints.
(4) Toileting, which shall mean getting on and off a toilet or commode and emptying a commode, managing clothing and wiping and cleaning the body after toileting, and using and emptying a bedpan and urinal.
(5) Transferring, which shall mean moving from one sitting or lying position to another sitting or lying position; for example, from bed to or from a wheelchair or sofa, coming to a standing position, or repositioning to promote circulation and prevent skin breakdown.
(6) Continence, which shall mean the ability to control bowel and bladder as well as use ostomy or catheter receptacles, and apply diapers and disposable barrier pads.
(7) Ambulating, which shall mean walking or moving around inside or outside the home regardless of the use of a cane, crutches, or braces.
- Resources on our websites - mentioned in the pamphlet
- Get Quote - Proposal for Long Term Care
- Borden Hamman Long Term Planning Guide
- Our webpages on
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- Set up a phone, skype or face to face consultation
- Tools - Calculator to help you figure out how much you should get
Life Insurance Buyers Guide
How much life insurance you really need?
- Life Screening Form
- Set up a phone, Zoom, skype or face to face consultation
Other Pages on Long Term Care
- §1035 Exchange of Annuities or Life Insurance for Long Term Care Planning
- 7 Activities of Daily Living ADL
- Employer Groups – Long Term Care
- Medi Cal – Long Term Care & Nursing Home Estate Recovery – Strategic Planning
- Tax Qualified LTC Policy
- True Freedom – Home Health Care ONLY Coverage