Who Qualifies for Long-Term Care?

Shawn Plummer

CEO, The Annuity Expert

Who Qualifies for Long-Term Care?

Long Term Care (LTC) is designed for individuals who require assistance with their daily living activities over an extended period. Qualification for LTC typically hinges on the inability to perform a certain number of Activities of Daily Living (ADLs) or having specific cognitive impairments.

Here’s a breakdown of the criteria:

Criteria for Qualifying for Long Term Care:

  1. Inability to Perform ADLs:
    • Eating: Difficulty in feeding oneself.
    • Bathing: Challenges with bathing and showering.
    • Continence: Managing bladder and bowel functions.
    • Toileting: Getting to and from the toilet, and performing associated personal hygiene.
    • Transferring: Moving into and out of a bed or chair.
    • Dressing: Choosing appropriate garments and being able to dress oneself.
    Typically, qualifying for LTC requires an inability to perform at least 2 of these 6 ADLs.
  2. Chronic Illness:
    • Long-term illnesses that require continuous medical attention or nursing care.
  3. Cognitive Impairments:
    • Conditions like Dementia or Alzheimer’s disease significantly impair one’s ability to perform everyday activities.

Qualifying Criteria for Long Term Care

ADLs InabilityDifficulty in performing basic self-care activitiesDifficulty in dressing, eating
Chronic IllnessLong-term medical conditions requiring continuous careDiabetes, Heart Disease
Cognitive ImpairmentConditions impacting mental abilitiesAlzheimer’s, Dementia


Qualifying for Long Term Care hinges on one’s ability to perform Activities of Daily Living, the presence of a chronic illness, or having significant cognitive impairments. Understanding these criteria is crucial in determining eligibility for LTC and ensuring the necessary support is provided.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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