ADLs and IADLs
Activities of Daily Living and Instrumental Activities of Daily Living describe basic skills for getting through the day. Sidney Katz is credited as the first to use this term in 1950. “The ability to perform activities of daily living (ADL), such as bathing or dressing, instrumental activities of daily living (IADL), like shopping and managing finances and mobility – the ability to walk without assistance- are essential to remain independent.” (See Bleijenberg et al.). Kelbling, et. al. state:
Functional decline is a common and important feature of ageing. It reflects how an individual′s limitations interact with the demands of the environment. Independence and participation in everyday activities are essential to older adults, and maintaining their autonomy plays a considerable role in ageing ‘successfully’. The inability to achieve everyday activities without assistance may suggest unsafe conditions and inferior quality of life. Therefore, it is important to assess the functional abilities of older adults.
One article describes dependence as the inability to adapt or compensate to the environment around you. “Dependence is the main impact factor on health and quality of life, not only for the elderly but also for the caregiver and relatives.” A World Health Organization report states: “Older persons with disabilities are often denied their autonomy, and their role in the community is dismissed as irrelevant and burdensome.”
In the context of long-term care insurance, ADLs are used to determine if and when a policyholder can draw benefits under his/her policy. Typically, a policyholder must be “deficient” (unable to do) in two ADLs before he/she can begin to draw home benefits under his/her Long-Term Care policy.
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