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; or (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. “Severe 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. Cognitive impairment is deemed to be severe if substantial supervision by another person is required to protect the individual from harming him or herself or others.