Inishuwarenzi yenguva refu yekuchengetedza inokupa zvisarudzo
Sei uchitenga inshuwarisi yekuchengetedza kwenguva refu? Pasi pane zvikonzero zvitatu zvakanaka.
1. Unoda kukwanisa kuwana hutano hwakanaka nokukurumidza.
Kana iwe uchida rubatsiro uye usine inshuwarisi yekuchengetedza kwenguva refu, unoitei? Iwe unowana rubatsiro kubva kumhuri neshamwari, kuripa iyo kubva muhomwe, uye / kana kuenda kuMedicaid.
Kuwana rubatsiro rwekugara kwenguva yakareba iwe unofanirwa kubvunza rubatsiro kuita zviviri kubva pamabasa matanhatu ekugara kwezuva nezuva . Idzi zvinhu zvakadai sokugeza, uye kupfeka.
Sezvo iwe uchikura uye uchitanga kubatsirwa rubatsiro nezvinhu izvi, vanhu vazhinji vanovimba nemumwe wako kana vamwe vanodiwa pakutanga.
Kana iwe usina inshuwarisi uye unoda kutarisirwa, iwe unopedza pasi zvinhu zvako kuti ubhadharire rubatsiro kana mhuri neshamwari isisarudzo. Kana uchida kutarisira kwenguva yakareba uye kushandisa mari yako yose, panguva iyo zvirongwa zvehurumende rubatsiro zvinotora mari yekutarisira kwako mune unyanzvi hunoyamura.
Iwe unogona kuwana hutano nekukurumidza kana une nguva refu yekuchengetedza inshuwarisi nokuti unoziva iwe uchava nemari yekuripa. Ichi ndicho chikonzero chevanhu vanotenga rudzi urwu rwe inshuwarisi - saka vane kodzero yokuwana rubatsiro nokukurumidza, uye vanogona kushandisa mari yekambisi ye inshuwarisi kuti vaibhadhara iyo.
2. Unogona kuva nekutora nguva refu.
Jesse Slome, Mutevedzeri Mukuru weAmerican Association for Long-Term Care Care akaudza nyaya yeimwe yezvinyorwa zvirefu pane zvakanyorwa: mumwe mukadzi akabhadhara madhora gumi nemaviri emadhora emazana emakore mashomanana, uye akawana $ 1.2 mamiriyoni munguva dzekuchengetedza kwenguva refu pamusoro pemakore 15 anotevera.
Sezvo Jese akati, "Ane hanya here? Kwete. Handifungi kuti chero munhu aizomudana kuti ave nerombo. "
Akanga atenga inshuwarisi yekuchengetedza kwenguva refu kuitira kuti mari yake ive yakavharwa, asi ndine chokwadi kuti iye nevemhuri yake vose vanoda chido chekugara kwenguva refu chakanga chisati chavapo pakutanga. Kana iwe ukatenga inshuwarisi yekuchengetedza kwenguva refu, ngatitarisirei kuti hauzombodi.
Kana iwe ukadaro, zvakadaro, iwe uchafara kuti unazvo.
3. Unoda rusununguko rwekusarudza.
Apo iwe unotenga inshuwarisi yekuchengetedza kwenguva refu iwe uchava nemari inodikanwa yekuwana kuchengetedza kwakanaka, uye iwe uchava nekwanisi yekusarudza kuti sei uye sei iwe unogamuchira izvi kuchengetwa. Avo vasina mari yakawanda yevako pachavo, kana avo vasina kutenga inshuwarisi yekuchengetedza kwenguva yakareba, havangambove nesarudzo dzakawanda. Izvi zvinoreva here kuti munhu wose anofanira kubuda uye kutenga inshuwarisi yekuchengetedza kwenguva refu? Aiwa, semhando ipi zvayo yezvemari, iwe unofanira kuzvidzidzira iwe, kuongorora zvinobudirira uye kubvuma , uye uite chisarudzo chakanaka kwauri.
Kutenga Kwemazuva Ekupedzisira Care Care
Chokutanga, taura nemudzidzisi wezvemari wekuvimba nezvehutano hwehutano hwemazuva mazhinji hunoita kuti iwe uone. Coverage yakaoma uye dzimwe nguva inodhura. Iva nechokwadi chokuti mamiriro ako emari anoita kuti zvive zvakakunakira iwe. Kune vanhu vakawanda, mhinduro ndiyo hongu.
Chechipiri, tanga kutenga nguva refu usati watoda kuvhara. Iwe haugoni kufanotaura nezveramangwana asi kana iwe wakamirira kusvika iwe wava kunyanya kubhadhara uye uine nyaya dzezvehutano, iwe unogona kuchinjwa kana premiums iri yakakwirira kuti uite yakasarudzwa kana inokwanisika. Kana uri pasi pezera remakore makumi mashanu, njodzi yako yekuregererwa kugoverwa inenge 11% asi nhamba iyoyo inokwira kusvika ku 45% kana uri mumakore makumi manomwe.
Kana iri mari, munhu mumwe chete wemakore makumi mashanu nemashanu anokwanisa kutarisira kubhadhara pakati pe $ 1,300 uye $ 2 500 gore negore nekuda kwemutemo unobhadhara $ 150 pazuva. Mari inoshanduka zvakasiyana-siyana zvichienderana nemashoko epurogiramu.
Kana iwe uchitenga inshuwarisi yekuchengetedza kwenguva yakareba ichibva mumakore ako makumi mashanu kana makumi matanhatu, ziva kuti iwe wakaita kuzvipira kwenguva refu. Iwe unogona kubhadhara mari yemaimari kwemakore makumi maviri isati yatanga mutemo unotanga kubhadhara mabasa. Kana iwe uine ruzivo, mutemo hauzomboregi asi iwe wakanga uine rugare rwepfungwa uchiziva kuti zvinhu zvako hazvina kupera nekuda kwematambudziko ekurapa mushure mehupenyu.
Kune dzimwe nzira dzakasiyana-siyana dzehutano hwehutano kwenguva yakareba , dzakadai sekuchengetedza kune dzimwe nyika, kana kutenga mune Ramba Ruchengetedza Care. Pasinei nedzimwe nzira, avo vari muzororo vachawana kune huwandu hwehukama-hwe-pfungwa hunobva pakuva nehutano hwehutano hwemazuva mazhinji.