In a Long-Term Care policy, which of the following is NOT considered an activity of daily living (ADL)?

In the context of Long-Term Care policies, activities of daily living (ADLs) are fundamental tasks that are necessary for an individual's basic personal care. These typically include eating, bathing, dressing, toileting, and transferring (the ability to move from one position to another).

Talking, while important for communication and social interaction, does not fall under the category of ADLs. It is a cognitive function rather than a physical activity required for personal care. Therefore, the correct identification of "talking" as not being an ADL is based on the understanding that ADLs are focused on fundamental self-care tasks required for daily living.

In contrast, activities such as eating, bathing, and dressing are all essential for maintaining personal hygiene and health, which is why they are classified as ADLs. Understanding the specific definition of ADLs is crucial for assessing eligibility and coverage in Long-Term Care policies.