Activities of Daily Living (ADL) refers to a variety of routines that a person normally does on a daily basis.

These activities include self-care (such as eating, bathing, dressing, grooming), working, homemaking, and leisure. The ability or inability to perform ADLs can be used as a  measure of ability/disability in many disorders.

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In federally tax-qualified long term care insurance policies,  the ADLs that can trigger the receipt of benefits are limited to eating, bathing, dressing, continence, transferring and toileting. You must need assistance with at least 2 of the 6 ADLs (or have a cognitive impairment) to be eligible to acquire benefits.

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