What Are The 6 ADLs of Long Term Care Insurance?

The simple daily tasks of life that you took advantage of while you were younger, now seem to be getting harder. And now that you are living alone, you start to wonder how you will get along if you can’t take care of yourself. That is where Long Term Care insurance comes in. LTC pays for support services if you can’t perform the 6 activities of daily living. So what exactly are these 6 ADLs and how do you activate a LTC policy?

The 6 Activities of Daily Living

Assistance with LTC

The specific definitions vary from company to company, but here are the general 6 ADLs: Eating, Bathing, Getting Dressed, Using The Restroom, Transferring (moving in and out of bed/chair) and Continence (controlling your bowel or bladder functions). If you can’t do 2 of these 6, you qualify for benefits under at Tax-qualified LTC insurance policy.

Cognitive Impairment

The other way you can be eligible to receive LTC benefits is if you have a cognitive impairment. An example of a cognitive impairment is Alzheimer’s disease or other forms of dementia. If you know someone that has been touched by this disease, you know very well emotional and financial challenges associated. If you would like to learn more about how Long Term Care Insurance works or if you would like to receive a quote, give me a call at 360-452-9200. You can also email me at mattelwood@allstate.com

Want more information? Please visit Matt Elwood - Allstate Insurance to get more information on the Allstate products and services I can offer in Port Angeles, Sequim or anywhere Washington State. 

Hello Port Angeles, Hello world

Washington State

Online, but local too!

The internet has revolutionized our way of life and the way we do business. Before you make a purchase, you are going online to research the product and who you are buying from. This makes a lot of sense, but what happens when you are ready to buy? Our research shows that 90% of you are still calling over the phone or coming into the agency for a little more guidance.

Elwood Benefits was created to be that transitional tool from research to the human touch of a trusted professional in a local office. Buying insurance is an important decision and you deserve the attention of a local agent.

Easy Understand

Have you ever read your insurance policy or financial and been totally confused by the terminology and large amount of fine print? At Elwood Benefits, we know how you feel. We have created ElwoodBenefits.com in the language of our customers so that you will understand what it is you are buying. If there is still something you don’t understand, please ask and we will be happy to explain further.

We sell more than Car Insurance

Elwood Benefits is an Allstate agency. When most people think of Allstate, they think of car insurance. But we also sell Home, Life, Business and much more. Not only that, but you can get multiple discounts the more you have with us.

I can’t tell you how many times a client will say, “I didn’t know you sold that?” With the creation of ElwoodBenefits.com and our monthly newsletter, we are getting the word out to our current and future customers.

For more information, please visit my official Allstate Agency Website to get more information on the Allstate products and services I can offer in Port Angeles, Sequim or anywhere Washington State.