Activities of Daily Living

For insurance purposes, we define activities of daily living as:

• Bathing: the ability to wash oneself in a bathtub, shower or by sponge bath, with or without the aid of equipment.
• Dressing: the ability to put on and remove necessary clothing including braces, artificial limbs or other surgical appliances.
• Toileting: the ability to get on and off the toilet and maintain personal hygiene.
• Bladder and Bowel Continence: the ability to manage bowel and bladder function with or without protective undergarments or surgical appliances so that a reasonable level of hygiene is maintained.
• Transferring: the ability to move in and out of a bed, chair or wheelchair, with or without the use of equipment.
• Feeding: the ability to consume food or drink that already has been prepared and made available, with or without the use of adaptive utensils.