Activities of Daily Life: Getting the Support You Need
Q: What activities of daily living does the disability benefit cover?
A: Under the Active Plan, the benefit covers help with tasks like dressing, eating, bathing, toileting, transferring, and continence management.
After Jake’s accident, he found himself unable to perform several activities of daily living without assistance. These included:
Maintaining continence: Jake needed help controlling his bladder and bowel movements.
Transferring: He required support moving between his bed and a chair.
Dressing: Linda now helped him put on and take off his clothes each day.
Toileting: Jake couldn’t get to the toilet or manage personal hygiene on his own.
Eating: He needed assistance with feeding himself.
Bathing: Jake required help getting in and out of the shower.
These limitations triggered the Permanent and Total Disability Indemnity payout from Jake’s accident insurance under his Active Plan, providing the financial support needed for his long-term care. This payout allowed Linda to make the necessary modifications to their home and ensure Jake received the care he needed while maintaining a semblance of comfort and independence.