Long term care insurance typically kicks in when the insured individual is unable to perform a certain number of activities of daily living (ADLs) or requires substantial assistance due to cognitive impairment. The specific criteria for activating long term care insurance may vary depending on the policy and insurance provider. Some common ADLs used to determine eligibility for benefits include bathing, dressing, eating, toileting, transferring, and continence. It's important to review the terms and conditions of your specific long term care insurance policy to understand the exact requirements for activation. Additionally, there may be a waiting period before benefits are payable, so it's crucial to be aware of any waiting periods specified in your policy. If you have any doubts or questions about the activation of your long term care insurance, it's best to reach out to your insurance provider directly for clarification and guidance. They will be able to provide you with the most accurate and up-to-date information regarding your policy's activation criteria and requirements. Remember, each insurance policy may have its own unique terms and conditions, so it's essential to review your policy documents carefully.