LONG TERM CARE

Needing help with the activities of daily living (ADL) such as bathing, continence, dressing, eating, toileting, and transferring is known as long term care.

Cognitive impairment such as dementia is also included. (You might be capable of doing the activities of daily living, but forget to turn the stove off or do not remember where you live). Long term care insurance will help with alternatives so that you can live with dignity should this occur.

The type of care described above, ADL's, are often referred to as non-skilled/custodial care. They can be the result of physical injury, illness, old age or mental impairment.