Using LTCI for Home Care

Using Long-Term Care Insurance Benefits for Home Care

In order to receive Long Term Care Insurance Benefits, most policies say that a policyholder must require assistance with at least two Activities of Daily Living (ADLs) or have cognitive impairment. Standard LTCI policies include 5 or 6 of the following ADLs:

  • Bathing & Showering
  • Ambulation (help with mobility and transferring)
  • Grooming (assistance with personal hygeine)
  • Feeding (not including chewing or swallowing)
  • Dressing
  • Toileting

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