To qualify for benefits from tax-qualified long-term care insurance, how many Activities of Daily Living (ADLs) must a person typically be unable to perform without assistance?

To qualify for benefits from tax-qualified long-term care insurance, a person typically must be unable to perform at least two Activities of Daily Living (ADLs) without assistance. ADLs are essential daily tasks that include bathing, dressing, eating, transferring (moving from one position to another), toileting, and continence. The requirement of needing assistance with two ADLs reflects a recognition of the individual's level of functional impairment, which is significant enough to warrant long-term care support.

While some options may suggest a different number of ADLs, the standard for triggering benefits in tax-qualified policies aligns with the requirement of two, as this threshold ensures that benefits are available to those who genuinely require support for their basic care needs. This standard helps ensure that individuals who face moderate to severe limitations can receive the necessary assistance and care.