What constitutes a claim under Long Term Care insurance ? in order to qualify to receive benefits the insured must be ' unable to perform two activities of daily living ( ADL ) . If you think this coverage is only for the old you are mistaken , victim of car accidents , severe illness or sporting accidents will qualify for this coverage which is based on ADL .These ADL situations are those where the individual cannot bathe ,dress , or move from one place to another without assistance or may also be incontinent , or suffers from a cognitive deficiency . ' For a couple ,there is a 64 % chance that one of them will require some level of long term care , and 20% of those who need long term care will need it for a period of more then 5 years . " WOW ! We provide this coverage through a number of leading insurers and contractual obligations are not same with all insurers !
