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Activities of Daily Living (“ADL’s) is a phrase used in the medical insurance field to determine the type of long-term care a person needs and what type of insurance will cover the costs.

ADL’s are routine activities that all human beings carry out on a daily basis. They include:

     (1)  Feeding oneself;

     (2)  Bathing and cleansing one’s body;

     (3)  Getting dressed by oneself;

     (4)  Mobility (either by walking or using mechanical assistance) to get from one place to another;

     (5)  Personal hygiene (including brushing teeth, combing hair, etc.); and

     (6)  Using the toilet independently.

Most insurance coverage for nursing home care becomes effective when a person is unable to perform two or more ADL’s without assistance.

It is estimated that nearly half of all people who reach the age of 65 will spend time in a nursing home or require assisted care at their own home at some point during the remainder of their life.

As those numbers increase, it will create additional financial pressure for insurance companies as well as the Medicare, Medicaid and VA Healthcare systems.

The ability to assess ADL’s is quickly becoming an important, if not key, component in triggering insurance coverage of medical costs as well as qualifying for certain government benefits at the state and federal levels.

For your free home ADL Evaluation Checklist visit and join our community of Advocates For the Aged.


Nearly 54 million seniors today make up approximately 20% of the total U.S. population. As the baby boomer generation (born approximately between 1946 – 1965) continues to age, approximately 10,000 will turn 65 every day for the next 20 years!

Parent Projects is a multi-sided media platform where family, friends and professional advocates of the aged connect with “verified” senior-oriented professionals and resources focused on downsizing. We take the stress and intimidation out of the process for families relocating in America using our educational and self-help downsizing guides found at Through the our “Verified” Professionals directory, advocates can access the pre-screened professional services they need on their terms with the financial and personal safety peace-of-mind their families deserve.


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0:00 – Intro

0:08 – What a ADL is

0:28 – Examples of ADLs

0:51 – ADL estimates

1:30 – Free home ADL evaluation

1:38 – Outro