Nguva Yenguva Yakare Kuchengetedza Mitemo Yakasvibiswa
Pakaverengwa, $ 100 yekubatsira zuva nezuva yakawedzerwa nemazuva 365 mugore rimwe chete kwemakore matatu yaizoita $ 109,500 "dzimba yemari" inowanikwa kutarisirwa. Iri dziva remari raizobhadhara kuchengetedza mumusha unotarisira vakwegura, kubatsirwa kwekugara kwekugara, kuchengetwa kwezuva revanhu vakuru, kana munzvimbo yega yega yeimba yaanodzidzisa imwe nguva imwe nzira yainge yasvika.
Chii Chinoitika Kana Mari Yaenda?
Apo padziva remari rakapera, mutemo wekare wekuchengetedza kwenguva refu hahuzopazve mamwe maropafadzo. Zvisinei, kana nguva refu yehutano inshuwalense isati yasati yashandiswa, muridzi wacho aizorasikirwa nemari yekubhadhara yake. Nokudaro, vamwe vakwegura vakasarudza kusatenga mitemo iyi, kusarudza panzvimbo pane kuvimba nemhuri dzavo kana kuchengetedza ikozvino muchiitiko chekutarisirwa kwakazodiwa.
Ko Zvakadini Nekubhadhara Icho Muhomwe?
Nezvinodiwa zvehutano zvakakwira nokukurumidza , uye zuva rimwe chete mumusha wakwegura unodhura madhora 175 kana kupfuura mumaguta makuru, kuzvidzivirira kune ngozi kune chinangwa.
Kuvimba nemhuri kune imwe nzira, asi kwete iyo inogona kushandiswa. Zvinosuruvarisa, mhuri dzakawanda hadzina nguva, zvigadziro kana kukwanisa kupa kunze kwekutarisira kweawa kune waunoda.
I "Return of Premium" Mutariri
Indasitiri yeInishuwarenzi yakaona kuti kutengesa kwevatengi kwakanga kusiri nguva dzose kusangana nemishuwarisi yehutano kwenguva refu.
Kunyange zvazvo hutano hwehutano hwehutano hwehutano hwakagutsikana kune vamwe, vamwe vazhinji vaida humwe hutsigiro kana chiitiko chavo chekare chekuchengeta chisina kumboshandiswa. Nokudaro, mitemo iyi yemitemo yakawedzera "kudzoka kwepamu" yevatasvi. Kana iyo chirongwa chisina kushandiswa pane imwe nguva yakatarwa, taurai makore gumi, ipapo kambani yveshuwarenzi ingadzorera chikamu chemishandirapamu kumuridzi wemitemo kana nhengo yemhuri. Izvi, kufanana nemumwe mutasvi webhiza, zvakasvika kune imwezve mari kune waakatenga.
Inonzi Hybrid kana Linked Long-Term Care Care Policy
Mukupindura kune mutengi uye chikwata chemajeri, makambani einishuwarenzi akagadzira izvo zvingave zvakanakisisa zvinotsanangurwa semasanganiswa kana maitiro akabatanidzwa. Iyi mitemo inobatanidza zvikwereti zvepagoresi kana yehutano yemvumo yehupenyu nekodhidhi yenguva refu yekugadziriswa. Nehuwandu hwematongerwo enyika, mutengi ane chirongwa chekuchengetedza kwenguva refu kana kuti, kana pasina kutarisirwa kuchidiwa, chivimbiso che inshuwarisi inobatsira ivo pachavo nevanowanikwa.
Ko Hybrid Long-Term Care Care Inoshandiswa Sei?
Shanduro yemasanganiswa inoshanda nenzira dzinoverengeka. Imwe mitemo inobatanidza kutarisira kwenguva refu kune inshuwarisi yehupenyu. Nechirongwa ichi, munhu akachengetwa akaisa mukana wekuisa murairo. Zvichienderana nezera, hutano uye hutano hwemuteereri- padziva pfupi yemari yakasikirwa kwenguva refu.
Panguva imwecheteyo, kubatsirwa nokukurumidza rufu kunowanikwa mu inshuwarisi yehupenyu. Tora, somuenzaniso, mukadzi ane makore makumi matanhatu nemashanu ane utano asiri kusvuta ane $ 175,000 mumvura. Kana akaisa $ 50 000 munyaya ino, anenge $ 87,000 muzvakarega zvekuchengetedza zvigaro zvingagadzirwa nokukurumidza. Ikoko kwaizovawo nerufu rwekufa kune avo vanowana mari inenge madhora mazana mapfumbamwe nemazana mashanu nemakumi mashanu nemakumi mashanu nemakumi matatu nemashanu kubva pakubhadhara inshuwarisi yeupenyu. Pane imwezve mari, anogona kusarudza mutasvi werubatsiri uyo aizotora madhora 260 000 muhutano hwemazuva mazhinji kunze kwepakutanga $ 87,000. Mumuenzaniso uyu, anogamuchirwa nezvekutsinhanisa kwake pamwe nekuchengetedzwa kubva kumatengo akakwirira anosangana neimba yekuchengetedza vanogara. Mukuwedzera, iye aizenge aine $ 125,000 muzvinhu zvaainazvo.
Nguva Yenguva Yemazuva Ekuchengetedza Inishuwarenzi Yakabatanidzwa kune Imakore
Chimwe chiitiko chekubatana kwenguva refu kwehutano inshuwarisi yehutano hunobatanidza kuchengetedza kwenguva yakareba kubhadharo kune imwe purogiramu imwechete yakadzorerwa annuity.
Ichi chigadzirwa chinotanga se annuity pamwe chete nehomwe yemari inoshandiswa kana kuti mari yakagadzirwa yakaitwa kwenguva yakareba. Kana pasina kutarisirwa kuchidikanwa, iyo annuity inowana kufarira kushanda seimwe imwe yakasimbiswa annuity. Asi kana muridzi / mutariri achida kuchengetwa mumusha wakwegura kana kune imwe nzvimbo, chirevo chichashandiswa kusarudza kuwanda kwemwedzi wekubhadhara kunowanikwa kune mutengi. Kutora muenzaniso wakashandiswa kare, mukadzi ane makore makumi matanhatu nemashanu ane hutano akaisa madhora 150 000 munyaya iyi aizowana zvakanakira mitero-yakasarudzwa, kukura kwakachengeteka mumwaka wepamusoro uye anenge madhora 4,700 pamwedzi yekuchengetedza kwenguva refu kwemwedzi 36. Pane imwezve mari, mutasvi wechabatsiro akawedzera purogiramu iyi aizopa $ 4,700 pamwedzi mwedzi kubatsirwa kwoupenyu hwake hwose. Pamitambo iyi yematongerwo enyika, mumwe mutasvikiti anobhadhara kazhinji anowedzera kutenga kuitira kuti awane zvikwereti zvakakwana.
Ichitsva muNyika Yenguva Yakare Kuchengetedza Mitemo Inishuwarenzi Yveshuwarenzi
Ikozvino kuwedzera kune imwe nzvimbo yepamusika yepamisika ndeyekuchengetedza kwenguva refu annuity. Ichi chigadzirwa chinoshandawo zvakafanana seyakachengetwa goreuity asi ine nguva yakareba yekuchengeta kuchengetwa yakavakwa mumutemo. Hapana mutasvi wepamberi akabatanidzwa nemutemo uyu wepamusoro pasi pekunyorwa kwenyika. Pane kudaro, chikamu chekudzoka kwemukati muchibvumirano chinoshandiswa kubhadhara kwenguva refu yekuchengetedza kubatsirwa. Kuvhara kwenguva refu kwenguva yakareba kunoverengerwa zvichienderana nehuwandu hwehuwandu hunosarudzwa apo mutemo unotengwa. Kambani yeInishuwarenzi inopa mubhadharo we 200% kana 300% yehuwandu hwematongerwo enyika hunokosha kupfuura makore maviri kana matatu mushure mekunge mari yebhengi ye annuity yapera. Semuenzaniso, mutungamiri wehurumende ane $ 100,000 annuity ainge asarudza uye akabatanidzwa zvikwereti zvinokwana 300% uye makore maviri anobatsira zvinogona kunge ane $ 200 000 yakawedzerwa kwekuchengetedza kwemazuva mazhinji mushure mekutanga kwe $ 100,000 mutengo wekubatsira kwapera. Mutengi uyu aizotora pasi $ 100,000 annuity kukosha kwegore rimwe chete uye agamuchira mari yakawedzerwa $ 200 000 pamakore mana kana kupfuura. Mumuenzaniso uyu, kontrakiti inobhadhara $ 50,000 pagore kwemakore mashoma matanhatu, asi kutarisirwa kunogara kwenguva refu kana zvishoma zvisingadi kubatsirwa. Zvakare, kana kutarisira kwenguva yakareba kusati kwambodikanwa kukosha kwekubhadhara kwaizobhadharwa kunze kwechikwereti kune chero ani anonzi anowanikwa.
Iko Inyanzvi yeHybrid Inoshanda Kwauri Here?
Izvi zvinongova mienzaniso inokosha chete yekuti maitiro e hybrid anoshanda sei. Izvi zvinoreva kuti, kugoverwa kuchave kwakasiyana nemunhu kune mumwe zvichienderana nezera, hutano, zvepabonde, zvikwereti uye zvikwereti zvakakumbirwa. Kuti uwane sarudzo yakarurama, mufananidzo unogona kudiwa kubva kumakambani einishuwarenzi. Izvozvi zvigadzirwa zvitsva zvinogona kusangana nevhizimisi zvinodiwa uye kupa humwe hutsigiro kuburikidza nekubatana nehutano hwemazuva ose hwekuchengetedza nehutano hwe inshuwarisi yehupenyu kana kuti mitemo ye annuity. Nokudaro, vatengi vanoshandisa maitiro ehuwandu vanogona kudzivisa kuzvidzivirira kune zvinokonzera kushandiswa kwenguva refu kwehutano zvakabatana uye kuva nerugare rwepfungwa runobatana neurongwa hwakazara.
AM Hyers owns uye anoshandisa Ohio Insurance Plan.