Ndezvipi Zvakareba Kwenguva refu Kuchengetedza Inishuwarenzi Mari uye Nguva Yokutenga Iyo

Pasinei nezera, unofanira kurangarira mari yekuchengetedza kwenguva refu ikozvino

Maererano neDhipatimendi reUnited Health uye Human Services, nhasi mavhareji ava nemakore makumi matanhatu nemashanu ane makore makumi manomwe kubva muzana mukana wekuda mamwe mararamiro ezvenguva refu sezvavanenge vachikura. Vanotaurawo kuti kunyange zvazvo chikamu chetatu chemazuva makumi mashanu nemakumi matanhatu anhasi chingave chichida kutarisirwa kwenguva refu kana rubatsiro kurarama, kuti mumwe kubva pavashanu achachida kwemakore anopfuura mashanu , ndiwo makumi maviri.

Kana tikashandisa ruzivo urwu, kubhadhara kwemakore mashanu ehupenyu hwekubatsira kana kushandiswa kwenguva refu kwekuchengetedza kana dzimba kunogona kudhura zvikuru.

Chimwe chiverengero chinoshamisa ndeichi:

8 kubva muzana yevanhu vari pakati pemakore makumi mana nemakumi mashanu, vane hurema hunogona kutarisira kushanda kwenguva refu

Pane imwe nguva apo vakawanda vasingakwanisi kubhadhara mari yavo yose, vanobhadhara kutarisa muzvigadziro zvekuchengetedza kwenguva refu uye rudzi rwemari dzinobatanidzwa neRure-Term Care Care Plan, pasinei nezera rako. Kuva nechokwadi kunogona kukuchengetedza mari yakareba kwenguva refu, uye kukubatsira iwe kuti uwane chirongwa chezvemari chekutarisana nenguva dzakaoma.

Sei uchifanira kubhadhara inshuwarisi yenguva refu? Unonyatsoda here?

Hapana anoziva kana vachida rubatsiro rwekuchengetedza kwenguva refu, nenzira imwecheteyo, iwe hauzive kana iwe uchada kumba kwehurivha yehupfumi kana moto. Zvisinei, nhamba idzi dzinoratidza kuti nekukwegura kwedu, mumwechete wevanhu vose vane zvigaro achada kurarama kwenguva refu, saka mubvunzo unowedzera pamusoro pekugona kukwanisa kutarisira nguva yako kwenguva refu kana mamiriro acho ezvinhu achiitika, uye kuti unoda sei iwe uri kumhanyira ngozi here?

Ko hurumende ichabhadhara kwenguva refu here?

Vamwe vanhu vanotenda kuti havafaniri kunetseka pamusoro pekuchengetedzwa kwemazuva mazhinji nokuti hurumende inogona kubhadharwa nekuda kwemashumiro aya. Ichi chisina kururama.

Hurumende ichabhadhara kubhadhara kwenguva yakareba pasi pemamiriro ezvinhu chaiwo uye kugoverwa kunogumira zvichienderana nemamiriro ezvinhu chaiwo uye mamiriro ezvinhu.

Semuenzaniso, Medicare inogona kubhadhara kuchengetedza kwenguva yakareba kusvikira mazuva makumi mapfumbamwe emasangano ane unyanzvi kana kuchengetedzwa kwekugadzirisa muimba yevanotarisira. Icho chakanyanyisa, uye chiitiko, inowanikwa yakavharwa kugara neMedare ndezuva makumi maviri nemaviri. Medicaid inopa kugoverwa, asi kuti uwane kukodzera kuMedicaid, unofanirwa kupinda mune imwe nzvimbo yakaderera mari. Kune vamwe vanhu, pane humwe humwe hunodikanwa kune avo vanofanirwa pasi peChechi yeVakuru veAmerica kana kuti mitemo yakagadzirirwa neDhipatimendi reVeterans Affairs . Zvimwe pane mapurogiramu akaita seaya, izvo zvishoma zvirongwa zvinongowanikwa kune vanhu vakasiyana-siyana, vanhu vanowanzotendeukira kuhutano hwehutano inshuwarheni kuti vawane rubatsiro rwekuchengetedza kwenguva refu.

Chii chinonzi inshurensi yekuchengetedza kwenguva refu?

Inishuwarenzi yenguva yakareba yekuchengetedza (LTC Inishuwarenzi) inokupa iwe mari inowanikwa kana iwe uchitenderera kune umwe munhu kune vamwe kana kuti unoda rubatsiro rwezvinhu zvekugara zvekuita uye zvido nekuda kwechirwere.

Chikonzero chekuda kuchengetwa kwenguva refu chingava chirwere chisingaperi, chirwere chepanguva refu, chirwere chinopisa, kana zvimwe zvirwere zvinoda kuti iwe ugamuchire kutarisira kumusha kana kutarisirwa mune imwe nzvimbo yekuchengetedza yekuchengetedza.

Mari inobhadhara iwe unogamuchira inogona kushandiswa kubhadhara kutarisira kwako kwenguva refu uye inosimbisa kuti iwe kana mhuri yako kuwana rubatsiro rwunoda kuti iwe uzvitarise iwe pachako iwe usingagoni kuzvipa iwe pachako.

Zvipatara zvinodiwa, kusanganisira izvo zvekuchengetedza, nekuda kwechirwere chinoparadza chinogona kusanganisira Mabasa e Daily Living (ADL), kutarisira kumusha, kuchengetedza imba, kuyamwisa uye kudzokera kune imwe nguva yekuchengetedza kwenguva refu kana kubatsira mahara.

Kuita mari yakareba kwenguva yakareba sei?

Kunyange zvazvo mutengo wekuchengetedza kwenguva yakareba uchisiyana maererano nekutarisira kwaunoda iwe, pane zvimwe zvishandiso zveIndaneti zvinogona kukubatsira kuti uone kuti nguva yakareba yekuchengetedza nguva yakareba sei mwedzi, Genworth ine chigadziro chinopa mavhareji mari yakareba -mutarisiro pamwe chete nehupfumi-ruzivo. Chishandiso chakadai chingakubatsira kuti uone kana uchikwanisa kuribhadharira iwe pachako, kana kana uchifanira kufunga nezve Long-Term Care Care.

Mari yakawanda yehutano yekare (LTC) inodhura zvakadini?

Mari inotengeswa yerinishuwarenzi yenguva refu yakasiyana zvikuru. Kunyangwe nemamiriro ezvinhu chaiwo, mari yaunogona kuitora kune imwe inshuwarisi inotakura inogona kunge yakakwirira kupfuura imwe.

Neinishuwarenzi yenguva refu yekuchengetedza, inobhadhara chaizvo kutenga.

Paunenge uchiedza kuchengetedza mari pane inshuwarhu yehutano, nzira yakanakisisa ndeyokuita tsvakurudzo yako, unogona kuchengetedza mazana emadhora pagore ayo anoshanda kumazana emadhora munguva. Kuwana inshuwarisi yehutano inshuwarheni inogona kukubatsira iwe sarudzo iwe unogona kutarisa. Muchengetedzi wacho haangotarisi chete makambani akawanda emishuwarisi kwauri asi achakwanisawo kuongorora yako yepamusoro yehutano yveshuwarisi yekugadzirisa zvingasarudzwa uye pamwe kuisa pamwe pepa ichagadzirisa zvakawanda zvezvinodiwa muhutano inshuwarhu. Vachakwanisawo kutsanangura zvakajeka kuti zvii zvakasiyana-siyana zvekugoverana uye mamiriro ezvinhu zviri pamutemo.

Mari inoshandiswa sei muhutano hwekuchengetedza kwenguva refu?

Kungofanana nedzimwe inshuwarisi yega yega, mumwe nomumwe weTC inshuwarisi yehutano achazvigadzirisa pacheche zvichienderana nekurasikirwa kwavo uye ruzivo rwekunyora pasi . LTC pakatengesa ichava nemitemo yakasiyana nemamiriro kana zvinoda.

Mienzaniso Yekuchengetedzwa Kwenguva refu Inishuwarenzi Mari

Aya mazano anobva pane imwe nyaya kubva kuAmerican Association ye Long-Term Care Insurance ( AALTCI), izvi zvinongova mienzaniso kuratidzira kuchinja kwezvikwereti mumamiriro akasiyana uye kuti kusarudzwa kweTalks carrier angaita sei kusiyana kukuru.

Munyaya imwe neimwe, pane mutengo wemutengo we $ 1 000 kana kupfuura zvichienderana nekambani ye inshuwarisi. Inogona kushandiswa semuenzaniso wakanaka wekukosha kweiyo kutenga nguva yakanaka yekuchengetedza mahara inshuwarisi yemari. Izvi zvinowanikwa pane zvakakosha zuva rega rega $ 150 kwemakore matatu kubatsirwa nguva iyo, inongova mienzaniso, ramba uchifunga mupfungwa dzako kuti iwe unoda kuwana zvinyorwa zvako kubva pauri mamiriro ako ega, izvi zvinongova kuratidzira zvingave zviripo mumutengo uye vanokubatsira kuona kuti sei kutenga chikwata chinhu chakakosha zvikuru kune izvi.

• Zera 55 - Single Individual; Mari Yakawanda: $ 1,325 kusvika $ 2,550
• Zera 55 - Vakaroorana (vose vane makore 55, Preferred Health, Shared Policy); Mutengo Wakawanda: $ 2,085 kusvika $ 3,970
• Zera 55 - Vakaroorana (vose vane makore 55, Standard Health); Mari Yakawanda: $ 1,985 kusvika $ 3 970
• Zera 60 - Vakaroorana (vose vane makore 60, Preferred Health, Shared Policy); Mutengo Wemari: $ 2605 kusvika $ 4,935

Iko inshuwarisi yekuchengetedza kwenguva yakareba inotakura nokusingaperi here?

Inishuwarenzi yenguva refu yekuchengetedza inopa kugoverwa kwenguva shoma. Hazvigoneki kuti kubatsirwa kuchafukidza mari "nokusingaperi". Nokudaro, iwe unogona kutarisira mari yehutano hwako hwekuchengetedza kwenguva refu nekusarudza zvirongwa zvine nguva refu kana nguva shoma yekuparidzirwa, uye nekusarudza urefu hwenguva iwe uchange uchitarisana nepo zvisati zvaitika . Tinokurukura izvi zvakare mumazano gumi nemibvunzo yekubvunza pamusoro pekuchengeta kwenguva refu pasi apa.

10 Mazano Okutenga Akanaka Mazuva Akareba Kuchengetedza Inishuwarenzi: Tsvaga yako yekutenga vatengi

Sezvo kambani imwe ye inshuwarisi inoshanda nemapato avo pasi pekunyora pasi, zvinobatsira kuti uwane chinyorwa chezvinhu zvaunogona kubvunza pamusoro pazvo iwe unonzwisisa zvauri kutenga uye kutenga muchiitiko.

Heano dzimwe humwe hunokosha hunofungidzirwa paunenge uchitsvaga kambani yakanakisisa yekukufukidza nayo yeL LTC:

1. Vabvunze pamusoro peMabasa eZuva reMararamiro kuitira kuti iwe ugamuchire mubhadharo wezvipo, unoda kunzwisisa zvinokodzera kugoverwa pasi peurongwa hwe LTC urikufunga.
2. Inobatanidza kuora mwoyo kwevamwe, vamwe vanhu vanogona kuva nekushaya njere, asi vachiri kukwanisa kuita ADL. Izvo chirongwa chauri kutarisa pane kubhadhara mune izvi zviitiko here?
3. Tsvaga chii chiri pane urongwa hweMaitiro eZvipenyu Mazuva ese anokodzera chirongwa chimwe nechimwe iwe uchichienzanisa. Somuenzaniso, zvichida kune basa rehupenyu hwezuva nezuva rausingaiti, asi maererano nemitemo yemutemo wawakasarudza, hazvifungidziri chimwe cheAADL yakakodzera. Imwe kambani inowanzodikanwa mabasa anopfuura ega ehupenyu hwezuva nezuva kuti ive nharo usati wasvika pakukwanisa kubatsirwe. Iwe unoda kuziva kuti chii chinofanirwa mberi iwe usati watenga mutemo wako. Hapana humwe tsanangudzo yakawanda pamushambadziro wekuti ADL yakaongororwa sei , saka zvakakosha kubvunza mibvunzo uye kuwana mienzaniso o mamiriro ehuwandu hwaunotenga. Mimwe mienzaniso yeADL ndeyekuti: kushamba, kupfeka, kufamba-famba (kutumira), kudya. Izvo zvinorondedzerwa nemumwechete zvinogona kuita mutsauko.
4. Vabvunze kana pane mari inoshandiswa kana kuti sarudzo yekukwira iwe haufaniri kushandisa chinyorwa uye kana mutemo uchibhadhara zvikamu. Chii chinoitika kana ukafa uye usingashandisi kugoverwa?
5. Enzanisai mari yekutarisana imwechete vs. kugoverana pamwe chete nemumwe wako. Iyi inzira yakanaka yekuchengetedza mari. Mune izvi mamiriro ezvinhu unokumbira tsanangudzo yakazara yezvinoitika uye kuti kubatsirana kwakabatana kunoshanda sei kana iwe mose muchida kutarisirwa, kana mumwe chete wenyu.
6. Iko mihombisi inowedzera kupfuura nguva here kana kuti inogara yakasimba? Pane kuchengetedzwa kwezvishoma here? Kuwedzera kwepamuviri kuchaita kuti uwane mari yekutarisira kwenguva yakareba iwe unogona kuva nezvikwangwani mune chirongwa chaunotenga chinotarisa izvi.
7. Ko kubhadhara kunoshanda sei pane kudai? Chii chinonzi maitiro ekutaura? Kune mwedzi wega wega kana kuti zuva nezuva? Ndezvipi zvinopera?
8. Chii chinonyanya kubatsira dzimba? Ndeipi iyo yakawanda iyo yakawanda yenguva inobhadharwa? Pakati pevhesi, mutemo we LTC unogona kupa pakati pemakore mashanu kusvika kune mashanu. Zvinetso hazviwanzove nezvakawanda zvisingagumi zvenguva. Ichi chinhu chinokosha chekufunga pamusoro pekuenzanisa mitemo. Zvadaro, iwe unoda kuziva kana kune vatasvi vanogona kuwedzera nguva iyoyo. Izvi zvinogona kuita kusiyana kukuru muzvisarudzo zvako nekuenzanisa mari.
9. Pane nguva yekumirira here? Inguva yakareba sei?
10. Kana iwe ukatora chirongwa chekugara kwenguva refu, iwe une zvimwe zvikomborero zvaunokodzera izvo zvingakubata iwe munguva yekumirira, seMedare kana zvimwe zvirongwa zvehutano hwepachivande?

Unofanira kutenga rini nguva yekuchengetedza inshuwarisi kwenguva refu?

Vanhu vanowanzomirira kusvikira vachifunga kuti vanoda chimwe chinhu vasati vatanga kuronga, uye zvinosuruvarisa, mune zvakaitika mu Long-Term Care Care, izvi hazvigoni kushanda iwe. IAALTCI inokurudzira zera rakanaka kuti ritarise muhutano hwehutano hwemazuva mazhinji huri pakati pemakore 52-64.

Izvozvi, maererano nenhoroondo kubva kuAmerican Association ye Long-Term Care Insurance , mukana wekurambwa kwehutano yemazuva mazhinji inoita seunowedzera nezera. Saka iwe unogona kutoda kutarisa pane zvingasarudzwa nokukurumidza. Kuwedzerwa kwekuramba kwekuramba sezvaunenge uine makore kunopa pfungwa dzakawanda dzakapiwa kuti inshuwarheni inotarisana nedambudziko rinotarisirwa, uye apo iwe unowedzera mamwe maitiro ekurapa uye zvirwere zvinogona kuuya izvo zvingaratidza dambudziko rinowedzera rinotungamirira kudiwa yakareba kwenguva refu -mutarisiri.

Ndianiko anofanira kutenga inshuwarisi yekuchengetedza kwenguva yakareba kubhadhara mari?

Zviri pachena, kana iwe uine hanya nezveramangwana rako unofanira kufungidzira kutenga inshuwarisi yekuchengetedza kwenguva refu iwe pachako, kana mubereki. Zvisinei, unofanira kufungisisa zvakare:

• Kuita kuti uve nehutano hutano hutano hwakanaka pakutanga. Mishonga inodzivirira uye kutora matanho ekuchengetedza hutano hwako ingabatsira kubvisa matambudziko vasati vava kuoma mumatambudziko akawanda.
• Kuongorora kana iwe uine zvimwe zvingangoita zvekuwana mari iwe unogona kutendeukira kune imwe nguva yekutarisira mamiriro ezvinhu. Semuenzaniso, iwe unotova ne inshuwarisi yehupenyu here iwe unogona kunge uchida kukwereta mari kubva kana mamiriro acho akauya?
• Iwe uri munharaunda yekuzvipa-chengetedza kwenguva refu yekuchengeta mari? Iwe une nhengo dzemhuri dzinobatsira here? Ndiyo nhengo dzemhuri dziri munharaunda yekubatsira here?

Chisarudzo chekutenga kutarisira kwenguva yakareba chinofanira kuongororwa sechikamu cherongwa hwako hwemari kwenguva refu. Pasinei nokuti unozvida here kana kuti kwete chaicho chakanyanya kumamiriro ako chaiwo. Iwe unogona kusarudza mushure mekubvunzurudza newemugadziri wemari yako kana mutengesi kuti kune zvipo zvakakosha zvekuongorora, kana iwe unogona kuchinja kune imwe yveshuwarisi yekuvharidzirwa semugumisiro iyo ichakuchengetedza iwe mari.

Ko vane zviuru zvemakore kana vechidiki vanofanira kutenga inshuwarisi yekuchengetedza kwenguva refu?

Kana iwe uine mubereki uyo asina hanya kwenguva yakareba uye iwe unonetseka kuti kana chimwe chinhu chikaitika chisingakwanisi kutarisira, unofanira kufungidzira kutenga mari yekutenga vabereki vako kwenguva yakareba kana kutaura navo nezvazvo. Mhuri ndiyo inowanzotambudza zvakaoma kana mumwe wemhuri yemhuri ichirwara. Maererano neGenerworth's Beyond Dollars dzichidzidza, 46 muzana yevatarisi vezvitsigiro vakati kupa kutarisirwa kwakakanganisa utano hwavo uye hupenyu hwavo.

Kutora nguva yekusasiya kubva kubasa rako, kana kusakwanisa kushanda nokuti mubereki anoda kutarisirwa kunogona kukwikwidza kuva dambudziko rezvemari kwauri. Zvichida nokuti iwe unoguma uchibhadhara iwe pachako, kana kuti nokuti haugoni kushanda semugumisiro. Ita hurukuro nevabereki vako pamusoro pezvinoitika kana vachida kutarisira kwenguva refu. Inishuwarenzi inogona kubatsira munhu wese ari mumhuri mune imwe nyaya yakaita seyi uye inogona kunge iri mukuda kwako kuti uzviongorore iwe pachako nekuronga mberi navo.

Unofanirwa kusarudza chirwere chinorwara kana kuchengetedza kwenguva refu here?

Vaduku vanogona kufunga nezvekutenga Critical Illness inshuwarheni sechimwe chekugara kwenguva refu pavanenge vachiri vaduku, uye mune dzimwe nguva, hurumende yehutano yehutano inogona kukupa sarudzo yekushandura inishuwarenzi yehutano inokosha mukuchengetedza kwenguva refu kana iwe wakwegura mumakore makumi mashanu kana makumi matanhatu kana kutora mishonga yekuongorora. Hasi vese vane chirwere chinotambudza vanoita izvi, asi unogona kufarira kuwana uyo anoita kana iwe uri kuronga kutarisira kwehutano hwako kwenguva refu.

Usamboona kutarisira kwenguva refu kwenguva refu, tarisa pamufananidzo wako mukuru kuti uite chisarudzo chakanakisisa.

Nhamba dzekuchengetedza kwenguva refu: Zvingaita here kuti chikwata chako chekugovera chinyarwe?

Pano pane mamwe matanho anokosha akatevedzwa newebsite yeAALTCI: Vaverengi vekuchengetedza kwenguva refu pasi pezera remakore makumi mashanu vakaderera pamwero we 11%, sezvo tichitarisa matanho ekurasikirwa kwekuchengetedzwa kwenguva refu neboka rezera, isu ona nhamba iyo kugoverwa kunoramba kuwedzera:

• makumi mashanu-kusvika-59 chiyero chaiva 17 muzana
• 60-kusvika-69 muzana yakawedzera kusvika ku24 muzana
• nezera remakore makumi manomwe-ne-79 chimiro chinoenda kumwero wekuramba 45 muzana

Nzira Yokusarudza Yakanaka Kwenguva refu Yekutarisira Inishuwarenzi Company

Kunze kwemashoko ekuparidzira, purogiramu yehurumende uye kuti inogadzirisa sei hurongwa huchava wezvinodiwa zvako, unofanirwawo kufunga nezvemamiriro ezvinhu emari uye mukurumbira wekambani ye inshuwarisi. Zvakaoma zvikuru kuziva kuti makambani einishuwarenzi achaita sei kupfuura nguva, asi kune maitiro ehutano anoratidza kugadzikana kwemari kwekambani ye inshuwarisi inogona kushandiswa sezviratidzo. Rudzi urwu ruzivo rwakakosha iwe paunotarisa kutenga mutemo unogona kungobhadhara makore pasi pasi seyeri yakafanana neishuwarisi yehupenyu kana Long-Term Care. Kukumbira unyanzvi hwemvumo sewadhi broker anomiririra makambani einishuwarenzi angakubatsira, asi unogonawo kutarisa zvikwereti zvemari zvekambani mu AM Best mazano .

Imwe kambani yemainishuwarensi yekuchengetedza yekare ndeipi yakanaka?

Sezvo kunyora pasi peurongwa hwehutano hwemazuva ose hunopesana nekambani nekambani, yakanakisisa yekuchengetedza inshuwarisi yekubatsira mari yakarongwa ichave yakasiyana zvichienderana ne:

• Zera rako
• Nhoroondo yako yezvechiremba
• Nhamba yehupfumi hwekuchengetedza kwenguva refu iwe unotenga
• uye zvimwe zvinhu zvakasiyana-siyana, zvimwe zvataifunga pane zvatinoongorora mibvunzo inobvunzwa pamusoro.

Nzira yakanakisisa yekuchengetedza mari pamazuva mazhinji ekuchengetedza

Nzira yakanakisisa yekuchengetedza mari pahutano hwepanguva refu ndeyekugadzirira mberi. Apo vanhu vasina nguva yekuchengetedza kwenguva refu uye mamiriro ezvinhu anouya iyo inokanda upenyu hwako hwose kuva mhirizhonga, kubva pakarasikirwa nemari kuti uwane rubatsiro. Ita kuti iwe uone kuti chii chinowanzoita ngozi yako, uye kuti zvii zvinotyisa kune mhuri yako. Tarisa kuunganidzwa kwehutano hwehutano huripo, kusanganisira inshuwarano yehupenyu hwako . Tenga zvakapoteredza kukwikwidzana uye nekambani ye inshuwarisi iyo inopa kushanduka kwepamusoro uye zvakakosha zvingakubatsira. Kunyangwe iwe ukasarudza iwe usingadi kutenga kugoverwa ikozvino, iwe unenge uchanzwisisa zvaunotarisira kubva kune mari uye unogona kubatsirwa kubva pane hurukuro dzaunenge uine nevatengi kana vamwe vashandi vanogona kukutungamirira iwe chikamu chekugadzirira kwako mari .