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Which causes the insured to require supervision from another individual. Cognitive Impairment generally means changes in mental status which may be associated with conditions like dementia or Alzheimer s disease. The standard Activities of Daily Living (ADLs) are: bathing, dressing, toileting, transferring, continence and eating. A loss of an ADL means that the insured is no longer able to perform that ADL without assistance from another person. Please review your Long Term Care policy carefu.

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