What must be documented for long-term care eligibility?

• A. Impairments in specified number of ADLs
• B. Medical history of the past year
• C. Number of hospital visits per year
• D. Family medical history

Answer: (A)

For long-term care eligibility, it is essential to document impairments in a specified number of activities of daily living (ADLs). ADLs refer to the basic self-care tasks that individuals typically perform daily, such as bathing, dressing, eating, toileting, transferring (moving in and out of bed or a chair), and maintaining continence. The inability to perform a certain number of these tasks generally indicates a need for assistance or supervision, which is a key factor in determining eligibility for long-term care benefits.

This documentation is critical because long-term care insurance policies typically require proof of such impairments as part of the claims process. It helps ensure that the individual meets the necessary criteria to receive coverage and benefits under the policy. Given this context, focusing on ADLs provides a clear framework for evaluating an individual’s level of need for care.