hands-on or standby help required to perform activities of daily living.

Means either hands-on assistance or standby assistance."Hands-On Assistance" means the physical assistance of another person without whom the person needing assistance would be unable to perform an activity of daily living."Standby Assistance" means the presence of another person, within arm's reach, to prevent, by physical intervention, injury to someone needing assistance while they are performing an activity of daily living (such as being ready to catch them if they fall while getting into or out of the bathtub or shower, or being ready to remove food from their throat if they choke).

Means hands-on or stand-by help required to do ADLs.