The Federal Long Term Care Insurance Program Send to printerSend to Printer Close this WindowClose

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Benefits Provided by the Federal Program

Activities of Daily Living

Severe cognitive impairment means a deterioration or loss in intellectual capacity (such as may occur with Alzheimer’s disease) that (a) places a person in jeopardy of harming him/herself or others and, therefore, the person requires substantial supervision by another person; and (b) is measured by clinical evidence and standardized tests which reliably measure impairment in: (1) short or long term memory; (2) orientation to people, places or time; and (3) deductive or abstract reasoning.

Substantial Assistance means Hands-On Assistance or Standby Assistance. Hands-On Assistance means physical help by another person without which you would not be able to perform the Activities of Daily Living. Standby Assistance means that you require the presence of another person within arm’s reach of you to prevent, by physical intervention or cueing, injury to you while you are performing the Activities of Daily Living..

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Call: 1-800-LTC-FEDS (1-800-582-3337) (TTY: 1-800-843-3557) Close this Window Close