Cognitive Impairment

The deterioration or loss, as reliably measured by clinical evidence and standardized tests, in the insured’s (1) short or long term memory; (2) orientation as to person, place, or time; (3) deductive or abstract reasoning. Such deterioration or loss typically results from a disease, such as Alzheimer’s disease, and other forms of irreversible dementia. Cognitive impairment is one of the two benefit triggers recognized by most long term care plans; needing substantial assistance with two or more ADLs is the other typical trigger.