Substantial Assistance
Quick Description
Substantial assistance involves needing hands-on or standby assistance with at least two or more activities of daily living.
Full Description
Substantial assistance is defined as needing help performing at least two activities of daily living. It's also defined as needing either hands-on assistance or standby assistance.
Policyholders must have a substantial need for assistance to start receiving benefits from their tax-qualified Long-Term Care Insurance policy.