Judgment Day

Today is evaluation day. One of my long-term care insurance companies is sending a nurse to visit me at home to determine if I am truly in need of home care at this time. My ability to perform the basic Activities of Daily Living (ADL), which are bathing, dressing, transferring, using the toilet, continence, and eating, will be scrutinized. On one hand I feel it is obvious that I need the assistance; on the other I worry that the rigorous standards set by insurance companies may find I'm still too independent. We shall see.