Activities of daily living (ADL) is a phrase used in the medical insurance field to determine the type of long-term care a person needs and what type of insurance will cover the cost.  ADLs are routine activities that all human beings carry out on a daily basis. The six main activities of daily living are:Feeding oneself Bathing and cleaning one’s body Getting dressed by oneself Mobility, either by walking or using mechanical assistance to get from one place to another Personal hygiene, including brushing teeth, combing hair, etc. Using the toilet independently Most insurance coverage for nursing home care becomes effective when a person is unable to perform two or more ADL’s without assistance.  ADLs and insurance coverage for nursing homes and long-term care is becoming increasingly important as the baby boomer generation ages and enters the retirement years.  It is estimated that nearly half of all people who reach the age of 65 will spend time in a nursing home, or require assisted care at their own home at some point during the remainder of their life.  As those numbers increase, it will create additional financial pressure for insurance companies as well as the United States’ Medicare and Medicaid insurance systems. The ability to assess ADLs will become an important component in triggering insurance coverage for assisted living.