About Long-Term Care Insurance
To better understand long-term care, let’s take a look at a typical day in most of our lives.
We are able to get out of bed, use the commode, shower, groom, dress, prepare meals, shop for
essentials, care for loved ones, drive to work…and the list goes on….I think you get the
The medical community defines the human ability to function as the Six Activities of Daily
Living (ADLs) which are:
Using the commode (ability to get to commode on time and lift
yourself on and off)
Eating (including preparation of meals, shopping, feeding
Transferring (carry yourself from one place to
Bowel and Bladder control
If we develop a cognitive impairment such as dementia or
If we are injured in an automobile accident, sports-related
injury, work-related injury, surgery, life-changing medical diagnosis or simply fall and break
an arm or leg and we are not able to perform at least Two of the Six Activities of Daily
Living, for at least 90 days, then we need long-term care.
So, if we are not able to get out of bed and use the commode or bathe ourselves, get ourselves
out of the house and get to work or care for loved ones, we need long-term care. How much does
cost and how do we pay for long-term care?
9100 Arboretum Parkway, Suite 180, North Chesterfield, VA 23236 . Phone: 804-306-0016 . Fax: