Definitions for "Access to Policy Benefits"
There are two ways to access long term care insurance policy benefits: 1 Activities of Daily Living—the insured requires personal assistance with 2 or 3 activities of daily living. Each policy will define 5 or 6 ADLs. Personal assistance may be defined in different ways in each policy but generally will refer to either hands-on assistance, stand-by assistance (for the safety of the insured) or directional assistance (cueing) to help the insured by reminding them. Cognitive Impairment deterioration or loss in intellectual capacity measured by clinical evidence and standardized tests.