What are Activities of Daily Living (ADLs)?

People that require long term care services often need assistance with daily activities on an ongoing basis. This may include shopping, transportation, and housekeeping as well as the activities listed below.

The insurance industry has specific definitions that it uses involving certain activities and functions. These are referred to as Activities of Daily Living (ADLs), which are:

  • Dressing
  • Bathing
  • Transferring (moving in or out of a bed or chair)
  • Toileting
  • Eating
  • Continence

The inability to perform two or more activities of daily living, or having a sever cognitive impairment may trigger benefits under a long term care insurance policy. See “How do I become eligible to receive benefits?”