At the very minimum, people who have reached a level of functional literacy will be able to do the following:
Sign their names to a document.
Read street signs, maps, and posted directions.
Use a directory such as a telephone book or online site to find contact information.
Complete standard forms for employment, school enrollment, public library use, etc.
Open a checking account and write a check.
Use a calculator to figure sums.
Read label information on food, medications, cleaning preparations, etc.
Pronounce words clearly enough to be understood by clerks, teachers, and others who may be unfamiliar with their speech patterns.
Know where they can go for help with transactions that require a higher level of literacy.
Read simple picture books to their children.