In Montana, how many activities of daily living must an individual be unable to perform to trigger Long-Term Care (LTC) benefits?

In the context of Long-Term Care (LTC) benefits in Montana, the requirement for an individual to be unable to perform a specific number of activities of daily living (ADLs) is a crucial determinant for eligibility. The correct number that triggers LTC benefits is three ADLs.

ADLs typically include essential functions such as bathing, dressing, eating, toileting, and transferring (moving from one place to another). To qualify for LTC benefits, a significant level of care is warranted when an individual has substantial difficulty or inability in performing three out of these defined activities.

This provision operates under the premise that losing the ability to manage these essential functions significantly impacts a person's ability to live independently, justifying the need for long-term care services. Having three ADL limitations reflects a level of care requirement that aligns with the policy objectives of LTC insurance, which is designed to support individuals with considerable dependency needs.