Hello everyone and let’s get to it. Last week we spoke about Long Term Care Insurance and how important it is to play offense when you are calling and trying to make a claim.
All of you who are not going to read this because you don’t have long term care insurance, read it anyway. This is why. I’ll be sharing some key words you need to know to capture the most out of your Medicare benefit.
In this world of long term care, there are certain words you need to know. Activities of Daily Living is right up there with one of the most important things to understand. An Activity of Daily Living is also called an ADL.
It is usually defined as one of 6 tasks that you do each day to function in your everyday life. The six include dressing, bathing, toileting, ambulating, transferring, and eating. These are the most common. It is so very important...super important you understand these terms and do not assume you know exactly what they mean when someone asks you “Are you independent with dressing?”
Let’s tackle them one by one. Why? Because this is how you play offense when you make that call to your insurance company or even when you’re talking to the nursing or therapy staff in a hospital, nursing home, or rehab center.
Dressing. Do you need help with dressing is probably the first question the person on the other end of the phone is going to ask you and what are you going to say? No. I don’t need any help. I do it all by myself. Wrong. (If I had a buzzer, I would hit it right now...bzzzzz).
Before you answer that question, let me ask you a couple of other questions. Have you started wearing different jeans or pants because you can no longer get the ones on you used to like to wear? Can you still button them with your fingers? Are your hands strong enough to get that button through the hole in your Levi’s or Wranglers?
Are your hands strong enough to zip them up everytime you go to the bathroom? Are you having trouble hooking your bra strap? Do you have your husband help you or your daughter? Or did you just stop wearing one or are wearing something else because it’s too hard to wear what you have always worn and liked?
I ask these questions to stir up your thinking. Have you made adjustments to what you wear so that you can keep getting dressed by yourself? If you have, then you need assistance with dressing.
Or let’s take another example. Are you able to stand or sit on your own and get dressed without having to sit and rest and catch your breath? Are you shaky and unstable and it wears you out to the core to just get dressed every day? Did you start wearing your jammies or housecoat to make it easier on yourself?
Can you see your clothes? Can you see well enough to know what clothes to wear? Do you have Macular Degeneration and you just can’t see your clothes very well and have to feel your way in your closet and your dresser?
This is the ultimate dressing question...do you wear compression stockings? Do you need to wear some sort of socks for your feet or legs because of swelling or neuropathy? This is a big one. Compression stockings of all sorts are difficult to get on. This one is serious to your health.
Let me ask you again. “Do you need help with dressing?” Now you know how to answer that question better. Explain to the person the challenges you face trying to get dressed every day.
Again, it is super important to not brag on how well you are doing. You paid a lot of money for your policy. You worked hard for it for years. Now it’s time to have it work for you.
Next week we will hit this topic again and discuss the other ADLs. You’ll be ready when you get hit with questions as you make that important call trying to open a claim. You’ll be ready to maximize your benefit. Absolutely!
God Bless you for all you have done for our country! May we honor you and take care of it. God Bless the United States of America!
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May 08, 2021 at 12:03PM
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Long Term Care Insurance Part 2 - Valley Courier
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