Activities of Daily Living (ADLs) is the core daily personal care activities that are necessary in order for people to be able to live independently. Loss of mental functioning is measured by other standardized tests and referred to as cognitive impairment. Activities of Daily Livings are particularly important because along with cognitive impairment, and in some cases “medical necessity,” they are the mechanism used by the insurance industry to determine qualification for long-term care benefits and may also be used to determine qualification for admission to a nursing or assisted living home facility. (more…)

Are you confidence enough that your retirement fund can pay all medical health care cost when needed in time? Can your Medicare and Medicaid insurance cater medical bill and doctor’s visit when you need them? You better think again. Medical health care costs are increasing all the time. You should also consider inflation factor that eats up your money to pay your medical health care bills. Well, lots of reasons are driving those cost to increase. There are several factors which you must understand why medical health care costs are increasing all the time. (more…)