What does “Hands-On Assistance” mean in a long-term care insurance policy? Hands-On Assistance = Physical assistance (minimal, moderate or maximal) without which the individual would not be able to perform the activities of daily living. Submit a Comment Cancel replyYour email address will not be published. Required fields are marked *Comment * Name * Email * Website Save my name, email, and website in this browser for the next time I comment. Δ