What are “Activities of Daily Living” (ADLs) and how do they relate to the life expectancy (LE) of an insured?
Activities of daily living (ADLs) are basic functional daily human activities. The loss of any or a combination of these ADLs makes independent living difficult or impossible. There are seven ADLs defined in the literature. They are: bathing oneself, dressing oneself, transferring from bed or chair, walking, feeding oneself, toileting, and grooming. The loss of any two makes independent living difficult unless there is a cohort caretaker in residence. The loss of three ADLs usually requires admission to a specialized care facility and is an indicator of compromised life expectancy.
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