你应该买长期护理pp王者电子官网吗?
Long-term care insurance policies help cover the costs associated with the care of individuals with chronic medical conditions, 残疾和紊乱.
It's likely that at some point in your life you will need assistance with your daily activities. 事实上, LongTermCare.政府 estimates that 70% of people over age 65 eventually will need long term care, 无论是在家里, 老年人居住社区或养老院.
长期护理pp王者电子官网不同于 残障pp王者电子官网 in that it might help cover the costs of daily activities such as:
- 上下床
- 洗澡
- 穿衣服
- 上厕所
- 吃
它可以帮助你保存你的财政资源. Just follow a few guidelines and keep these factors in mind if you're thinking about purchasing coverage.
为什么我需要长期护理pp王者电子官网?
A long term care insurance policy helps cover the costs associated with the 照顾残障人士, chronic medical conditions and disorders such as Alzheimer's disease. In most cases, policies reimburse you for the care given at:
- 你的家
- 养老院
- 一个成人日托中心
- 辅助生活设施
在大多数情况下，这允许:
- 储蓄保障. Paying for daily care on your own can empty your retirement savings quickly. A long term care policy helps offset the cost associated with the additional care needed.
- 更多的护理选择. Medicaid may not pay for assisted living – this varies by state. A long term care policy helps offset the cost of those facilities.
我什么时候应该购买长期护理pp王者电子官网?
Look at long term care insurance well before you need it. The longer you wait to purchase a plan, the higher your initial premium may be. Also, if you wait, you may have a health condition that could disqualify you from getting coverage. 虽然没有合适的购买年龄，但 美国长期护理pp王者电子官网协会 estimates more than half of long term care policies are purchased by people ages 55 to 65. The rates of a long term care policy typically include:
- 您的年龄和健康状况: As you age, you typically have more health issues which might increase your premium.
- 性别: Women generally outlive men, increasing the chance of a long term care claim.
- 婚姻状况: Premiums typically are lower for married couples than single individuals.
- 保额: 附加pp王者电子官网选项, such as higher limits on the daily and lifetime benefits, cost-of-living adjustments to protect against inflation, 更短的淘汰期, 可能会增加保费.
我如何找到一份长期护理保单?
承保范围和费用各不相同, so shop around for a plan that will be reasonably affordable based on the coverages you want, 而不是选择你找到的第一个.
比较功能
评估计划并不总是那么容易. 比较这些关键特性:
- 触发器中受益: The criteria the insurer uses to determine when your policy will go into effect.
- 消除周期: The number of days you'll pay for care out of your own pocket before you begin receiving benefits. Thirty days is the minimum elimination period for many long-term care plans.
- 每天的好处: 保单每天支付的金额. 有些计划根据服务时间支付福利, such as the number of hours a home health aide visits your home.
- 通货膨胀调整: A feature that helps your benefits keep pace with rising costs.
- 服务类型: A description of what's covered under each plan and w在这里 you may receive this care at home or in an assisted living residence, 成人日托设施, 疗养院或其他场所.
- 福利期限: The length of time you'll receive benefits, from a few years to as long as you live.
- 除外责任: Stipulated conditions or acts that the benefits won't cover. These could include conditions caused by alcoholism or dangerous behaviors.
了解更多关于长期护理pp王者电子官网的信息 LongTermCare.政府.
