For any number of reasons – physical illness, an injury, or aging – some people find themselves needing help with eating, bathing, dressing, toileting or continence, and/or transferring out of a chair or bed. These six acts are called Activities of Daily Living – sometimes referred to as ADL’s. In general, if you can’t do two or more of these activities, or if you have a severe cognitive impairment, you are said to need long term care.

Assistance with ADL’s, called custodial care, may be provided in the same place as skilled care, which leads to the confusion regarding coverage. Skilled care means medical, nursing or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services.

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