In determining the payment of accelerated life insurance benefits, all of the following are considered...

Accelerated benefits are often triggered by the inability to perform activities of daily living (ADLs), which are standard measures of functional capacity.

Dressing (A), Eating (B), Bathing (C): Correctly identified as ADLs used to assess eligibility for benefits.

Speaking (D): Not classified as an ADL under Maryland insurance definitions or long-term care benefit triggers.