Kim Purnell
A Wix Legend Marketplace Agency
CLIENT RESOURCES
Long Term Care- What are Activities of Daily Living
What are Activities of Daily Living?
Long-term care is a range of services and supports you may need to meet your personal care needs. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs), such as:
Bathing
Dressing
Using the toilet
Transferring Moving into and out of a bed, chair, or wheelchair.
Caring for incontinence
Eating
Activities of daily living (ADLs) have a significant impact on insurance policies. Insurance companies factor ADLs into their risk assessment, which can affect both the cost of premiums and the coverage provided. For example, individuals who are able to perform their own ADLs, such as bathing, dressing, and eating, are considered to be of lower risk, resulting in lower premiums and more comprehensive coverage.
On the other hand, individuals who require assistance with their ADLs may be charged higher premiums or may not be eligible for certain types of coverage.
Furthermore, ADLs are also taken into consideration when determining the amount of coverage available to an individual.
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Florida
A000000
[Mobile Phone]
321-327-9049
Insurance & Retirement Planning Specialist
Kim Purnell
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Adaptive Marketing Group, LLC
898 Glendale Ave Palm Bay, FL 32907
Florida
A000000
[Mobile Phone]
321-327-9049
Insurance & Retirement Planning Specialist
Kim Purnell
FINRA, or the **Financial Industry Regulatory Authority**, is a self-regulatory organization that oversees the brokerage industry. FINRA has rules and guidance on disclosure in advertising and other communications with the public ?.
FINRA encourages members to be precise and succinct in their explanations and disclosures. Members often include in their communications disclosures that are not required by the rules, and FINRA does not object to additional explanations or information beyond what is required for rule compliance ?.
You can learn more about FINRA's rules and guidance on disclosure from their website ?.
Source: Conversation with Bing, 6/28/2023
(1) Regulatory Notice 19-31 | FINRA.org. https://www.finra.org/rules-guidance/notices/19-31.
(2) Advertising Regulation | FINRA.org. https://www.finra.org/rules-guidance/key-topics/advertising-regulation.
(3) Disclosure Report Cards | FINRA.org. https://www.finra.org/compliance-tools/report-center/disclosure.