Question

Long-term care insurance only pays benefits when the insured is unable to perform at least three of the activities of daily living (adl).

a. True
b. False

Answer 1

This statement is true. In order to qualify for long-term care, a person must not be able to do at least two or three activities of daily living (ADL) by himself or herself. These ADLs are eating, bathing, dressing, toileting, walking and continence.