Report on session on long term care alternative benefit triggers

Document description

Consideration of various claims under LTC policies where care needs appeared to exist but sufficient activities of daily living (ADLs) had not been failed provided the impetus to set up a working party to consider this aspect. The aim of the working party was to investigate how good ADLs really are as triggers for the provision of care under LTC policies and whether there are any alternatives from the UK perspective. Payments under long term care policies in the United Kingdom are provided when a claimant fails 1,2 or 3 out of, usually, 6 ADLs. These are measures of physical impairment. Mental impairment would also be considered\; tests of this usually require medical proof, the outcome of various substandardised tests or considering the impact on physical functioning. Other bodies with interests in provision of care also look at various aspects of physical, mental and social functioning. Physical impairment may be measured through failure of ADLs or IADLs, self-rating, psychological indicators or presence of disease. Mental functioning was usually measured by mental status examinations, self-completed questionnaires, formal psychological tests.