These are the everyday self-care activities most people take for granted that we learned to perform as an infant. Our ability to perform these “learned" activities are often compromised due to an illness, accident or the impact of aging. The six ADL's are bathing, dressing, transferring, eating, toileting, and continence. Persons needing help performing these ADL's are further classified as requiring "hands-on assistance" or "standby assistance". Benefits for Long-Term Care Insurance are triggered by the inability to perform at least two of the six ADL’s.