Long-term care benefits begin when a doctor certifies that you are functionally impaired. This means that you are unable to perform two or more of the Activities of Daily Living without continual assistance. These activities include:

• Ambulating - Walking or managing a walker or wheel chair
• Bathing
• Continence
• Transferring - Getting in and out of bed
• Dressing
• Eating
• Toileting

The failure to perform any two or more of the listed activities triggers the benefit payment. Functional impairment also includes Alzheimer's Disease and Senility Dementia.