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Eligibility requirement for long-term care insurance

If you are considering applying for long-term care insurance, then you probably know or suspect you will need it. The purpose of this type of insurance is to give people their independence back when they find chronic conditions physically or mentally limit them. Long-term care insurance is not intended to cover treatment of any medical conditions. But how do you know if you or a loved one is currently eligible to receive the benefits of this insurance and what does it cover?

Think about the typical activities involved in daily living, commonly referred to as ADLs. These ADLs include such physical tasks as getting in and out of a bed, a chair, a toilet or a shower, actually using the toilet, shower or bath, and things like dressing and eating. If a person is unable to complete ADLs because of mental limitations, they may need verbal reminders about how to function and what to do to keep safe, or they may just need supervision. This type of long-term care is usually described as either custodial care or skilled care.

The qualifications for determining eligibility are regulated. They cannot be any more demanding than this: the eligible candidate being unable to successfully and safely complete at least three of the ADLs. Other ADLs may call for different benefits, but in order to issue a contract for long-term care, the issuer can only account for inabilities concerning:

  • transferring
  • dressing
  • eating
  • toileting
  • continence
  • bathing

As you may well know, long-term care can be quite costly and if you have not planned for it or your loved one has not, you may benefit from working closely with a Florida health care attorney who understands the intricacies of securing a long-term care plan that is right for you.

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