ADLs vs. IADLs

Shawn Plummer, CRPC

Retirement Planner, Financial Advisor, Annuity Broker, and Insurance Agent

What Are ADLs (Activities of Daily Living)?

ADLs refer to the basic tasks necessary for daily life. Examples include:

  • Bathing and Showering: Ability to bathe oneself.
  • Dressing: Selecting appropriate clothes and dressing oneself.
  • Eating: Feeding oneself.
  • Transferring: Moving from one position to another, like from bed to chair.
  • Toileting: Using the toilet independently.
  • Mobility: Walking or moving around.
Instrumental Activities Of Daily Living Vs. Standard Activities Of Daily Living

What Are IADLs (Instrumental Activities of Daily Living)?

IADLs are more complex skills needed for independent living. Examples include:

  • Managing Finances: Budgeting, paying bills, and handling financial matters.
  • Managing Medications: Taking correct dosages at the right times.
  • Meal Preparation: Planning and preparing meals.
  • Housekeeping and Cleaning: Maintaining a clean living environment.
  • Shopping for Groceries and Necessities: Buying and transporting groceries.
  • Using Communication Devices: Using phones, computers, or other technology.
  • Transportation: Driving or using public transit.
Instrumental Activities Of Daily Living And Standard Activities Of Daily Living

ADLs vs. IADLs: Quick Comparison Chart

DimensionADLs (Activities of Daily Living)IADLs (Instrumental Activities of Daily Living)
Core PurposeHigher-order tasks are needed to live independently in the communityNurses, OTs/PTs, physicians, and care managers using standardized ADL scales
Typical ExamplesBathing, dressing, eating, toileting, transferring, mobilityManaging money/meds, meal prep, housekeeping, shopping, communication, transportation
Cognitive DemandLower to moderateModerate to higher (planning, sequencing, problem-solving)
Who Usually AssessesUnpaid bills, missed meds, spoiled food, cluttered home, missed appointments.OTs, social workers, care managers using IADL scales/interviews
Common Assessment ToolsKatz Index of Independence in ADLs; Barthel IndexLawton–Brody IADL Scale
Early Warning SignsFalls, weight loss from difficulty eating, poor hygiene, incontinence issuesInability often indicates a need for hands-on personal care
Impact on IndependenceInability often indicates a need for support services or supervisionOften supports care planning and services, but less commonly a direct trigger on its own
Insurance/Benefit RelevanceFrequently used as eligibility triggers for long-term care benefits (e.g., needing help with 2+ of 6 ADLs)Care coordination, medication organizers, meal services, housekeeping, and transportation help
Typical Support NeededPersonal care aides, home health aides, adaptive equipment (grab bars, shower chairs)Often supports care planning and services, but is less commonly a direct trigger on its own
Progression PatternLoss of ADLs often follows IADL declineIADL difficulties often appear earlier than ADL difficulties
Instrumental Activities Of Daily Living Vs. Standard Activities Of Daily Living

How ADLs and IADLs Are Assessed

  • Standardized scales:
    • ADLs: Katz Index, Barthel Index.
    • IADLs: Lawton–Brody IADL Scale.
  • Reassessment: Abilities can change after hospitalization, medication adjustments, or illness—periodic reevaluation is recommended.
  • Observation + interview: Clinicians and care managers combine direct observation with questions to the individual and family.
  • Scoring: Each task is rated as independent, needs some help, or dependent; scores guide care plans.

Bottom Line

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Questions From Our Readers

Why are IADLs essential to assess in long-term care settings?

IADLs are essential in long-term care to determine an individual’s ability to live independently.

How does the ability to perform IADLs impact an individual’s overall quality of life?

The ability to perform IADLs affects an individual’s independence and overall quality of life.

What is an instrumental activity of daily living?

The instrumental activity of daily living (IADL) refers to a slightly more complex task necessary for independent living, such as managing finances, doing housework, shopping, meal preparation, communication, and medication management.

Why is it important to measure both ADLs and IADLs?

Measuring Activities of Daily Living (ADLs) and Instrumental Activities of Daily Living (IADLs) is essential to comprehensively assess a person’s functional abilities, enabling a better understanding of their overall independence and the level of care they may require.

Shawn Plummer, CRPC

Retirement Planner, Financial Advisor, Annuity Broker, and Insurance Agent

I am a licensed Retirement Planner (CRPC), insurance agent, financial advisor, annuity broker, and former financial trainer with more than 18 years of hands-on experience in annuities and insurance. My National Producer Number (NPN) is 15524738. I spent 12 years training financial advisors nationwide on annuity, insurance, and retirement planning strategies, in addition to 18 years of direct field experience selling annuities and insurance products, helping clients protect their savings and secure reliable retirement income.

I have been quoted in Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, LegalZoom, U.S. News & World Report, Women’s Health Magazine, Forbes, and many other leading publications.

I am also the founder of The Annuity Expert, an independent online insurance agency and annuity broker serving consumers across the United States. Through this platform, my team and I help Americans remove the guesswork from retirement planning and compare insurance solutions to find the strongest value at the most competitive rates. I want to see you get the best products at the lowest prices.

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