What does “activities of daily living” (ADLs) mean in a long-term care insurance policy?

Long-term care insurance policies use “benefit triggers” to determine if you’re eligible to start receiving benefits. Activities of daily living, or ADLs, are the most common trigger used by insurance companies.

The National Association of Insurance Commissioners publication, A Shopper’s Guide to Long-Term Care Insurance, lists and defines six ADLs:

• Bathing: The ability to sponge bathe or get in and out of bath tub or shower.

• Eating: The ability to feed oneself by getting food into the …