Servicios de atención a largo plazo
Departamento de Salud y Servicios Humanos de EE. UU.
What are Activities of Daily Living?
Long-term care is a range of services and supports you may need to meet your personal care needs. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs), such as:
Using the toilet
Transferring Moving into and out of a bed, chair, or wheelchair.
Caring for incontinence
What are Instrumental Activities of Daily Living?
Other common long-term care services and supports are assistance with everyday tasks, sometimes called Instrumental Activities of Daily Living (IADLs) including:
Preparing and cleaning up after meals
Shopping for groceries or clothes
Using the telephone or other communication devices
Caring for pets
Responding to emergency alerts such as fire alarms.
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Activities of daily living (ADLs) have a significant impact on insurance policies. Insurance companies factor ADLs into their risk assessment, which can affect both the cost of premiums and the coverage provided.
For example, individuals who are able to perform their own ADLs, such as bathing, dressing, and eating, are considered to be of lower risk, resulting in lower premiums and more comprehensive coverage.
On the other hand, individuals who require assistance with their ADLs may be charged higher premiums or may not be eligible for certain types of coverage. Furthermore, ADLs are also taken into consideration when determining the amount of coverage available to an individual.