Hello! I agree with your point but there is a possibility that individuals may experience 1-2 ADLs in cases such as accident. For example, an individual may have difficulties transferring to a wheelchair, but he may be able to perform the rest of the ADLs. Hence, it is still important to upgrade it. But do speak to a financial advisor first and get him/her to explain to you :)
Hello! I agree with your point but there is a possibility that individuals may experience 1-2 ADLs in cases such as accident. For example, an individual may have difficulties transferring to a wheelchair, but he may be able to perform the rest of the ADLs. Hence, it is still important to upgrade it. But do speak to a financial advisor first and get him/her to explain to you :)