Page 59 - Growing Old Without a Plan for Long Term Care is not for Sissies_Neat

When Do I Stop Paying Them and They Start Paying Me? 41 Chapter 7 When Do I Stop Paying Them and They Start Paying Me? hat does it take to start a claim on your long term policy? WGenerally it requires your doctor to certify that you need substantial assistance with at least 2 of 6 activities of daily living or that you have developed a cognitive impairment that requires you to receive care. Here are the six standard activities of daily living (ADL) f Eating f Dressing f Bathing f Transferring (walking, in and out of bed, chairs, etc.) f Toileting f Lack of toileting control (incontinence) Cognitive impairment is often caused by illnesses like Alzhei- mer’s disease, Stroke, Parkinson’s disease, Dementia, etc. It is important to know that the determination of whether you meet the above criteria to start your claim is not dependent on the insurance company’s doctor. Your doctor can make that