{"id":125528,"date":"2016-09-14T22:51:18","date_gmt":"2016-09-15T05:51:18","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=125528"},"modified":"2016-09-14T22:51:18","modified_gmt":"2016-09-15T05:51:18","slug":"%e8%ae%93%e6%88%91%e5%80%91%e4%b8%80%e8%b7%af%e5%a5%bd%e8%b5%b0%ef%bc%81","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2016\/09\/14\/%e8%ae%93%e6%88%91%e5%80%91%e4%b8%80%e8%b7%af%e5%a5%bd%e8%b5%b0%ef%bc%81\/","title":{"rendered":"\u8b93\u6211\u5011\u4e00\u8def\u597d\u8d70\uff01"},"content":{"rendered":"

\u4eba\u7684\u4e00\u751f\u514d\u4e0d\u4e86\u751f\u8001\u75c5\u6b7b\uff0c\u5f9e\u4e8b\u7406\u8ca1\u898f\u5283\u8d85\u904e24\u5e74\uff0c\u4e5f\u770b\u4e86\u4e0d\u5c11\u9019\u904e\u7a0b\u7684\u60b2\u559c\u3002\u4f5c\u7232\u8a8d\u8b49\u7684\u7406\u8ca1\u898f\u5283\u5e2b (CFP, Certified Financial Planner), \u6211\u66fe\u6b23\u6170\u904e\uff0c\u4e5f\u66fe\u81ea\u8cac\u4e0d\u5df2\uff0c\u662f\u4e0d\u65b7\u5b78\u7fd2\u7684\u904e\u7a0b\u3002CFP \u7684\u56b4\u82db\u8a13\u7df4\u8b93\u6211\u958b\u4e86\u773c\u754c\uff0c\u66b8\u89e3\u5230\u7406\u8ca1\u9762\u9762\u4ff1\u5230\u7684\u5e73\u8861\u8207\u5ba2\u89c0\uff0c\u4f46\u8981\u4f5c\u5230\u5f88\u4e0d\u7c21\u55ae\u3002\u800c\u4e14\uff0c\u5b78\u5f97\u8d8a\u591a\uff0c\u8d8a\u77e5\u9053\u81ea\u5df1\u9084\u6709\u591a\u5c11\u4e0d\u61c2\uff0c\u4e0d\u6562\u592a\u201c\u9435\u9f52\u3002\u201d\u5b83\u7684\u7bc4\u570d\u5176\u5be6\u5f88\u5927\uff0c\u800c\u4e14\u4e0d\u65b7\u66f4\u65b0\u6539\u8b8a\u3002<\/p>\n

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\u6211\u958b\u59cb\u7814\u7a76\u9577\u671f\u8b77\u7406\u4fdd\u96aa\uff08long-term care insurance, LTCI\uff09\u3002\u90a3\u6642\uff0c\u9000\u4f11\u7684\u806f\u5408\u9280\u884c\u7e3d\u88c1\u6797\u4fee\u69ae\u5148\u751f\u6b63\u5728\u7cb5\u8a9e\u96fb\u81fa\u5927\u529b\u63a8\u5ee3\u9577\u671f\u8b77\u7406\u4fdd\u96aa\uff1b\u4ed6\u4e5f\u9f13\u52f5\u4eba\u5bb6\u8003CFP, \u5145\u5be6\u81ea\u5df1\u7684\u5c08\u696d\u77e5\u8b58\uff1b\u6211\u540c\u610f\uff0c\u56e0\u60f3\u907f\u514d\u7576\u9760\u800d\u5634\u76ae\u5b50\u7684\u63a8\u92b7\u54e1\u8981\u5f9e\u8b80\u66f8\u958b\u59cb\u3002\u81f3\u4eca\uff0c\u4ed6\u4ecd\u5e38\u5728\u57fa\u7763\u6559\u7684\u865f\u89d2\u520a\u7269\u767c\u8868\u7406\u8ca1\u5c08\u6b04\u3002\u6211\u56e0\u6b64\u8b80\u4e86Susie Orman\u7684\u66f8\uff0c\u9023Charles Schwab\u7684\u66f8\u90fd\u9f13\u52f5\u4eba\u5bb6\u8cb7\u9577\u671f\u8b77\u7406\u4fdd\u96aa\uff0c\u7406\u8ca1\u898f\u5283\u4e0d\u662f\u6295\u8cc7\u80a1\u7968\u800c\u5df2\u3002\u6211\u4e5f\u53bb\u4e0a\u8ab2\uff1b\u5728\u52a0\u5dde\uff0c\u6bcf\u5169\u5e74\u8981\u4fee\u5b78\u5206\u624d\u53ef\u4ee5\u4f5c LTCI.<\/span><\/p>\n

LTCI\u7684\u5b9a\u7fa9\u662f6\u9805\u65e5\u5e38\u751f\u6d3b\u4e2d\u7684\u52d5\u4f5c\u4e2d\uff0c\u67092\u9805\u4f5c\u4e0d\u5230\uff0c\u7531\u91ab\u751f\u8b49\u660e\uff0c\u5c31\u53ef\u7b26\u5408\u7406\u8ce0\u3002\u90196\u9805\u662f\uff1a <\/span>Bathing (\u6d17\u6fa1), Continence (\u5927\u5c0f\u4fbf\u5931\u7981), Dressing (\u7a7f\u8863), Eating (\u9935\u98df), Toileting (\u5982\u5ec1), Transferring (walking \u79fb\u52d5) \u3002\u53e6\u5916\uff0cCognitive (\u8a8d\u77e5) \u4e5f\u7b97\u7368\u7acb\u4e00\u9805\uff0c\u6700\u5e38\u898b\u7684\u662f Alzheimer (\u963f\u5179\u6d77\u9ed8<\/span>\u75c7<\/b>)\u3002 \u4ee565\u6b72\u4ee5\u4e0a\u7684\u7d71\u8a08\u6578\u5b57\u4f86\u770b\uff0c\u9ad8\u9054\u7d047\u6210\u6703\u9700\u8981<\/span>\u9577\u671f\u8b77\u7406\u7684\u5e6b\u52a9\uff0c\u9019\u6bd4\u623f\u5b50\u7740\u706b\u7684\u6a5f\u7387\u9084\u9ad8\uff0c\u4f46\u4eba\u5011\u537b\u5ffd\u7565\u5b83\u7684\u91cd\u8981\u6027\uff0c\u591a\u534a\u662f\u8a8d\u8b58\u4e0d\u8db3\u3002\u53e6\u5916\uff0c\u5c31\u662f\u8a8d\u7232\u81ea\u5df1\u6709\u904b\u52d5\uff0c\u4e0d\u6703 \u201d\u4e2d\u93e2,\u201d\u537b\u5fd8\u4e86\uff0c\u8001\u5316\/\u9000\u5316\u662f\u4e0d\u53ef\u907f\u514d\uff0c\u4e5f\u4e0d\u53ef\u9006\u8f49\u7684\uff0c\u9019\u662f\u5fc3\u614b\u4e0a\u5c1a\u672a\u8abf\u6574\u800c\u5df2\u3002\u6211\u6709\u597d\u5e7e\u4f4d90\u5e7e\u6b72\u7684\u5ba2\u6236\uff0c\u6c92\u5927\u75c5\uff0c\u4f46\u9700\u8981\u4eba<\/span> \u00a0\u00a0\u00a0<\/span>\u6276\u624d\u80fd\u6d17\u6fa1\u6216\u5f9e\u99ac\u6876\u4e0a\u8d77\u8eab\u7b49\uff1b\u5f97Parkinson\u2019s \uff08\u5e15\u91d1\u68ee\u6c0f<\/span>\u75c7\uff09<\/b>\u7684\u4e5f\u4e0d\u6b62\u4e00\u4f4d\u3002<\/span><\/p>\n

\u6700\u5e38\u898b\u7684\u932f<\/span>\u8aa4<\/span>\u662f\u4ee5\u7232\u653f\u5e9c\u7684\u4fdd\u96aa\u6709\u5305\u62ecLTCI\u300265\u6b72\u4ee5\u4e0a\u7684Medicare \u4e0d\u5305\u62ecLTCI\uff0c \u4e00\u822c\u7684\u91ab\u7642\u4fdd\u96aa\u4e3b\u8981\u662f acute illness (\u6025<\/span>\u75c7)\uff0c<\/b>\u4e26\u975e\u201d\u9577\u671f\u201d\u3002\u524d1-20\u5929\uff0c\u653f\u5e9c\u4ed8\u8cbb, \u4e4b\u5f8c21-100\u5929co-pay \u00a0(\u73fe$137.5\u4e00\u5929)\u3002 \u82e5100\u5929\u5f8c\u7121\u6cd5\u75ca\u7652\uff0c\u5c31\u8981 \u201d\u5403\u81ea\u5df1\u201d \u7684\u4e86\u3002\u6211\u5e38\u63d0\u9192\u4eba\u5bb6\uff0c\u5c24\u5176\u662f\u7537\u58eb\uff0c\u7576\u4f60\u9700\u8981\u7167\u8b77\u6642\uff0c\u4f60\u7684\u592a\u592a\u4e5f\u8001\u4e86\uff0c\u5225\u6307\u8981\u597924\u5c0f\u6642\u7232\u4f60\u7ffb\u8eab\u53ca\u63db\u5c3f\u5e03\uff08\u514d\u5f97\u9577\u8925\u7621\uff09\uff0c\u6709\u7684\u6839\u672c\u62b1\u4e0d\u52d5\u4f60\u53bb\u6d17\u6fa1\uff0c\u6216\u5728\u642c\u904b\u6642\uff0c\u9084\u628a\u9aa8\u8cea\u9165\u9b06\u7684\u8170\u6298\u50b7\u3002\u82e5\u592a\u592a\u5148\u5012\u4e0b\uff0c\u5f88\u591a\u5148\u751f\u4e26\u4e0d\u61c2\u600e\u9ebd\u7167\u9867\u592a\u592a\uff0c\u5305\u62ec\u716e\u7d66\u5979\u5403\u3002\u6211\u6709\u6642\u958b\u73a9\u7b11\uff0c\u5225\u7b97\u8a08\u4f60\u8001\u5a46\uff0c\u6307\u671b\u5979\u4e00\u5b9a\u6709\u80fd\u529b\u7167\u9867\u4f60\uff0c\u6709\u6642\u4eba\u7b97\u4e0d\u5982\u5929\u7b97\uff0c\u8ab0\u5148\u5012\u4e0b\u9084\u4e0d\u77e5\u9053\u3002\u6211\u4e5f\u78b0\u904e\u5b50\u5973\uff0c\u5ab3\u5a66\uff0c\u5973\u5a7f\u4e4b\u9593\u9b27\u5230\u7ffb\u81c9\uff0c\u5927\u5bb6\u5404\u6709\u81ea\u5df1\u751f\u6d3b\uff1b\u6709\u6642\u4e0d\u662f\u5b69\u5b50\u4e0d\u5b5d\uff0c\u800c\u662f\u4f5c\u4e0d\u5230\uff0c\u4e45\u75c5\u5e8a\u524d\u7121\u5b5d\u5b50\u3002\u800c\u9019\u4e9b\u662f\u65e5\u5fa9\u4e00\u65e5\u7684\u52d5\u4f5c\uff0c\u91cd\u9ede\u5728\u201d\u9577\u671f\u201d\u5169\u5b57\u3002\u66fe\u6709\u5ba2\u6236\u7684\u5152\u5b50\u662f\u975e\u5e38\u6709\u4fee\u990a\u800c\u5145\u6eff\u559c\u6a02\u7684\u4eba\uff0c\u5728\u5abd\u5abd\u4e2d\u98a8\u591a\u5e74\uff0c\u5f8c\u4f86\u7238\u7238\u4e5f\u5f97\u4e86\u5e15\u91d1\u68ee\u5f0f\u75c7\u5f8c\uff0c\u6709\u5929\u5c0d\u6211\u54ed\u543c \u201c\u59b3\u77e5\u4e0d\u77e5\u9053\u6211\u5728\u7167\u98672\u500b\u6b98\u969c\u7684\u8001\u4eba\uff1f\u201d\u4ed6\u7684\u5fc3\u529b\u4ea4\u7601\u6211\u8c48\u662f\u7b2c\u4e00\u6b21\u807d\u5230\uff1f\u4f46\u5f88\u96e3\u904e\u53c8\u7121\u5948\u3002<\/span><\/p>\n

\u5ba2\u6236\u9084\u5e38\u554f\u6211\u7684\u4e00\u4ef6\u4e8b\uff0c\u662f\u5426\u5728\u6b64\u8acb\u500b\u985e\u4f3c\u81fa\u7063\u7684\u5916\u7c4d\u770b\u8b77\u5c31\u597d\u4e86\uff0c\u4fbf\u5b9c\u4e9b\u3002\u9019\u8981\u5206\u5e7e\u500b\u5c64\u6b21\u4f86\u770b\uff1a\u4f60\u60f3\u8981\u8f03\u597d\u7684\u751f\u6d3b\u54c1\u8cea\u5462\uff1f\u9084\u662f\u8eba\u5728\u90a3\u88e1\uff0c\u53ea\u7b49\u8457\u8499\u4e3b\u53ec\u559a\uff1f\u9109\u89aa\u4e2d\u6709\u4f4dL\u541b\uff0c\u53c8\u9ad8\u53c8\u58ef\uff0c\u7576\u5fd7\u5de5\u625b\u63d0\u91cd\u7269\uff0c\u7e3d\u662f\u4e00\u99ac\u7576\u5148\uff0c\u5e7e\u5e74\u524d\u4e2d\u98a8\uff0c\u6211\u53bb\u4e86 Fremont Washington Hospital \u63a2\u671b\u4ed617\u6b21\u3002\u89aa\u773c\u770b\u5230\u4ed6\u5f9e\u5de6\u908a\u5b8c\u5168\u7671\u7613\uff0c\u5fa9\u5065\u5230\u5de6\u819d\u80fd\u5f4e\u8d77\u3002\u4ed6\u5f8c\u6094\u7684\u544a\u8a34\u6211\uff0c\u4ee5\u524d\u4eba\u5bb6\u548c\u4ed6\u8ac7LTCI, \u4ed6\u60f3\uff0c\u78b0\u5230\u9019\u6a23\u7684\u72c0\u6cc1\uff0c\u4ed6\u624d\u4e0d\u8981\u62d6\u7d2f\u5bb6\u4eba\uff0c\u81ea\u5df1\u62ff\u628a\u69cd\u7830\u7830\u5c31\u597d\u4e86\u3002\u6211\u770b\u8457\u52d5\u5f48\u4e0d\u5f97\u7684\u4ed6\uff1a\u62ff\u628a\u69cd\u7830\u7830\uff1f\u5509\u3002\u4ed6\u592a\u592a\u5077\u5077\u544a\u8a34\u6211\uff0c\u4f5c\u5fa9\u5065\u6642\uff0c\u4ed6\u53ef\u8a8d\u771f\u4e86\u3002\u662f\u554a\uff0c\u8ab0\u7518\u5fc3\u4e0b\u534a\u8f29\u5b50\u5c31\u9019\u6a23\u8eba\u8457\u7b49\u6b7b\uff0c\u5c24\u5176\u662f\u9084\u6e05\u9192\u7684\u75c5\u4eba\uff0c\u800c\u4e14\u9084\u4e0d\u662f\u60f3\u6b7b\u5c31\u6b7b\u5f97\u4e86\u3002\u9664\u4e86\u6bcf\u65e5\u56fa\u5b9a\u63a8\u53bb\u5fa9\u5065\uff0c\u6211\u4e5f\u770b\u5230\u5fa9\u5065\u5e2b\u63a8\u8457\u96fb\u7642\u5668\u9032\u4f86\u75c5\u623f\uff0c\u539f\u4f86\u9084\u8981\u523a\u6fc0\u9838\u90e8\u808c\u8089\uff0c\u907f\u514d\u541e\u54bd\u53ca\u8aaa\u8a71\u7684\u529f\u80fd\u9000\u5316\u3002\u9019\u5fa9\u5065\u7684\u6548\u679c\u5f88\u660e\u986f\uff0c\u4ee3\u50f9\u662f\u4e00\u500b\u67087\u5343\u591a\u5143\u3002<\/span><\/p>\n

\u6709\u6b21\uff0c\u6211\u53bb\u63a2\u671b\u4ed6\uff0c\u4ed6\u8ddf\u6211\u9053\u8b1d\u53ca\u8aaa\u518d\u898b\u3002\u4ed6\u53d7\u4e0d\u4e86\u6bcf\u500b\u67087\u5343\u591a\u5143\uff0c\u5435\u8457\u8981\u51fa\u9662\uff0c\u8003\u616e\u56de\u81fa\u7063\u3002\u65b0\u7684\u7232\u96e3\u4f86\u4e86\u3002L\u541b\u56de\u81fa\uff0c\u592a\u592a\u52e2\u5fc5\u8981\u8ddf\u8457\u56de\u53bb\uff0c\u4f462\u540d\u5b50\u5973\u90fd\u4e0d\u4f4f\u5728\u81fa\u7063\uff0c\u4e0d\u80fd\u8acb\u9577\u5047\u5e6b\u5fd9\u7167\u9867\uff0c\u9023\u63a2\u671b\u90fd\u6709\u9650\uff0c\u592a\u9060\u4e86\uff0c\u5c0d\u5b50\u5973\u5f88\u4e0d\u4fbf\u3002\u592a\u592a\u56de\u53bb\uff0c\u548c\u9019\u88cf\u7684\u8001\u670b\u53cb\u5708\u5b50\u65b7\u4e86\uff0c\u6574\u5929\u548c\u75c5\u4eba\u4e00\u8d77\uff0c\u7cbe\u795e\u58d3\u529b\u5927\uff0c\u5f88\u591a\u9577\u671f\u7167\u9867\u75c5\u4eba\u7684\u5bb6\u5c6c\u5f8c\u4f86\u5f97\u4e86\u6182\u9b31<\/span>\u75c7\u3002<\/b>\u5728\u9019\u88cf\uff0c\u5973\u5152\u6709\u7a7a\u4f86\u63a5\u624b\u770b\u8b77\uff0c\u8b93\u5abd\u5abd\u51fa\u53bb\u53c3\u52a0\u6d3b\u52d5\u5598\u53e3\u6c23\uff0c\u548c\u8001\u670b\u53cb\u6709\u793e\u4ea4\u4e92\u52d5\u3002\u5f88\u591a\u4eba\u5ffd\u7565\u4e86\u9019\u7a2e\u7cbe\u795e\u4e0a\u7684\u9700\u6c42\uff0c\u9019\u4e0d\u662f\u81fa\u7063\u5065\u4fdd\u80fd\u5e6b\u5f97\u4e0a\u5fd9\u7684\u3002\u5728\u4eba\u751f\u7684\u6700\u5f8c\u968e\u6bb5\uff0c\u8ab0\u4e0d\u60f3\u548c\u81ea\u5df1\u7684\u5bb6\u4eba\u591a\u76f8\u8655\uff0c\u4f4f\u592a\u9060\uff0c\u5b50\u5973\u770b\u4e0d\u5230\u800c\u639b\u5fc3\uff0c\u8001\u4eba\u5bb6\u4e5f\u60f3\u5ff5\u5b50\u5b6b\u7b49\u3002\u6211\u66fe\u5728\u53e6\u4e00\u7642\u990a\u9662\u7684\u5927\u5ef3\uff0c\u770b\u5230\u4e00\u5806\u6253\u626e\u597d\uff0c\u5750\u5728\u8f2a\u6905\u4e0a\uff0c\u5c0d\u8457\u5927\u9580\u6bb7\u6bb7\u76f8\u671b\u7684\u9577\u8005\uff0c\u5176\u4e2d\u4e00\u4eba\u5c0d\u6211\u7b11\u7b11\u201c\u6211\u5152\u5b50\u4eca\u5929\u6703\u4f86\u63a5\u6211\u56de\u5bb6\u6e21\u5468\u672b\u3002\u4ed6\u6709\u7a7a\u5c31\u4f86\u770b\u6211\u3002\u201d\u773c\u795e\u9583\u9583\u767c\u4eae\uff0c\u8b93\u6211\u5370\u8c61\u6df1\u523b\u3002\u6211\u8ddf\u5ba2\u6236\u8aaa\uff0cLTCI\u8b93\u4f60\u5f8c\u4f86\u6709\u500b\u9078\u64c7\u6b0a\uff0c\u4e0d\u9700\u8981\u88ab\u8feb\u96e2\u958b\u7f8e\u570b\uff0c\u4e5f\u80fd\u65b9\u4fbf\u5b50\u5973\u63a2\u671b\u4f60\u3002\u4e0d\u8981\u53ea\u752865\u6b72\u7684\u773c\u5149\u4f86\u770b\u5b83\uff0c\u60f3\u60f3\u4f6085\u6b72\uff0c95\u6b72\u6642\u5c0d\u5bb6\u4eba\u5e36\u4f86\u7684\u885d\u64ca\u3002 <\/span><\/p>\n

\u53e6\u5916\uff0c\u5c31\u662f\u6709\u95dc Medicaid (\u52a0\u5dde\u53c8\u7a31 MediCal) \u4f4e\u6536\u5165\u88dc\u52a9\u7684\u8a08\u5283\u3002\u56e0\u653f\u5e9c\u7684\u8d64\u5b57\uff0c\u5b83\u7684\u8981\u6c42\u8d8a\u4f86\u8d8a\u56b4\u683c\uff0c\u4f46\u798f\u5229\u54c1\u8cea\u537b\u6c92\u63d0\u5347\u3002\u6709\u5929\uff0cL\u541b\u7684\u592a\u592a\u6307\u8457\u4e00\u7fa4\u5750\u5728\u8f2a\u6905\u4e0a\u7684\u4eba\uff0c\u4ed6\u5011\u662f\u62ffMedicaid\u7684\uff0c\u4e00\u500b\u770b\u8b77\u8981\u7167\u9867\u597d\u5e7e\u500b\u75c5\u4eba\uff0c\u6240\u4ee5\u4ed6\u5011\u7684\u8f2a\u6905\u4e0a\u6709\u500b\u7279\u6b8a\u611f\u61c9\u5668\uff0c\u4e00\u7ad9\u8d77\u4f86\u5c31\u6703\u55f6\u55f6\u97ff\uff0c\u770b\u8b77\u6703\u8981\u75c5\u4eba\u5750\u4e0b\u3002\u4e00\u500b\u4eba\u8981\u770b\u90a3\u9ebd\u591a\u75c5\u4eba\uff0c\u6015\u4ed6\u5011\u8dcc\u5012\uff0c\u53ea\u597d\u8981\u4ed6\u5011\u5750\u8457\uff0c\u9084\u4e0d\u662f\u4f60\u60f3\u7ad9\u5c31\u53ef\u4ee5\u7ad9\uff01\u6211\u9084\u6709\u500b\u5ba2\u6236\u662fSunnyvale\u8b77\u58eb\uff0c\u5979\u7d42\u65bc\u6643\u7136\u5927\u609f\uff0c\u7232\u4ec0\u9ebd\u91ab\u9662\u5e38\u8981\u8f49\u75c5\u4eba\u5230Fresno\u3002\u4ed6\u5011\u4e00\u500b\u5e8a\u4f4d\u53ef\u8ce3\u7d66\u81ea\u8cbb\u7684\u75c5\u4eba7\u5343\u591a\uff0c\u4f46\u62ffMedicaid\u7684\u75c5\u4eba\uff0c\u653f\u5e9c\u53ea\u7d662\u5343\u591a\uff0c\u5dee3\u500d\uff01\u6240\u4ee5\u504f\u9060\u7684\u5730\u65b9\u4e00\u6709\u7a7a\u4f4d\uff0c\u99ac\u4e0a\u9001\u8d70\u3002\u4f60\u5011\u5bb6\u5c6c\u63a2\u671b\u7167\u9867\u4e0d\u4fbf\uff1f\u4f60\u5403\u4e0d\u6163\uff0c\u4f4f\u4e0d\u6163\uff1f\u5c0d\u4e0d\u8d77\uff0c\u4f60\u62ff\u6211\u7684\u798f\u5229\uff0c\u4f60\u8981\u770b\u6211\u7684\u81c9\u8272\uff0c\u4f60\u6c92\u9078\u64c7\u7684\u6b0a\u5229\u3002<\/span><\/p>\n

\u65e2\u7136\u5b83\u7684\u8cbb\u7528\u52d5\u4e0d\u52d5\u5c31\u4e00\u500b\u67087\u5343\u591a\u5143\uff0c\u800c\u4e14\u9084\u662f\u9577\u671f\uff0c\u52a0\u4e0a\u6bcf\u500b\u4eba\u4e2d\u734e\u7387\u662f7\u6210\uff0c\u5f88\u5bb9\u6613\u641e\u5f97\u5e7e\u4e4e<\/span>\u50be\u5bb6\u8569\u7522\u3002 <\/span>\u4e00\u5e74\u8fd110\u842c\uff0c5\u5e74\u5c31\u662f50\u842c\uff0c2\u4eba\u5c31\u662f1\u767e\u842c\uff01\u6211\u9019\u7a2e\u7b97\u6cd5\uff0c\u5c1a\u672a\u6263\u9664\u672a\u75c5\u5012\u4e4b\u524d\u7684\u9000\u4f11\u8cbb\u7528, \u4e5f\u5c1a\u672a\u7d0d\u5165\u901a\u8139\uff0c\u66f4\u6c92\u8a08\u7b97\u8d85\u904e5\u5e74\u4ee5\u5f8c\u600e\u9ebd\u8fa6\u300265\u6b72\u9000\u4f11\uff0c\u82e585\u6b72\u9700\u8981LTC\uff0c\u4e2d\u959320\u5e74\u5df2\u5148\u7528\u53bb\u4e00\u90e8\u4efd\u7a4d\u84c4, \u7b49\u523085\u6b72\u6642\uff0c\u73fe\u91d1\u4e00\u822c\u5df2\u4e0b\u964d\u3002\u9019\u6642\uff0c\u75c5\u4eba\u5ffd\u7136\u5feb\u901f\u5927\u91cf\u6d88\u8017\u73fe\u91d1\uff0c\u5bb9\u6613\u628a\u5065\u5728\u7684\u914d\u5076\u62d6\u5165\u56f0\u5883\uff0c\u5c31\u5982\u6211\u5148\u524d\u8209\u7684\u5be6\u4f8b\u3002\u7b49\u5230\u5065\u5728\u7684\u90a3\u4f4d\u4e5f\u51fa\u72c0\u6cc1\uff0c\u800c\u73fe\u91d1\u8017\u76e1\uff0c\u5b50\u5973\u52e2\u5fc5\u53d7\u727d\u9023\u3002\u5728\u6211\u8aee\u8a62\u7684\u4f8b\u5b50\u4e2d\uff0c\u5e38\u6709\u5f8c\u6094\u7684\u60c5\u6cc1\u3002\u7576\u5e74\u5acc\u62ff10\u842c\u8cb7LTCI\u592a\u8cb4\uff0c\u5f8c\u4f86\u767c\u73fe\u4e00\u5e74\u7684\u770b\u8b77\u8cbb\u7528\u5c31\u8fd110\u842c\uff01\u4f46\u592a\u9072\u4e86\u3002L\u541b\u8981\u6211\u5e6b\u4ed6\u592a\u592a\u8cb7LTCI\uff0c\u4ed6\u4e00\u807d\u50f9\u9322\u8aaa\uff0c\u9019\u5f88\u4fbf\u5b9c\u554a\u3002\u5f8c\u4f86\u4ed6\u592a\u592a\u5c0f\u8072\u5c0d\u6211\u8aaa\uff0c\u73fe\u5728\u6b63\u8981\u7528\u9322\uff0c\u600e\u9ebd\u8cb7\uff1f\u6211\u4e5f\u9ed8\u7136\u4e86\u3002<\/span><\/p>\n

\u4ee5\u524d\u6d41\u884c\u504f\u5411\u7528\u50b3\u7d71\u7684LTCI, \u5f88\u50cf\u91ab\u7642\u4fdd\u96aa\uff0c\u8981\u4ed8\u4e00\u8f29\u5b50\uff0c\u6c92\u7528\u5230\uff0c\u5c31\u6c92\u4e86\u3002\u4f46\u5b83\u8f03\u4fbf\u5b9c\uff0c\u5373\u4f7f\u4ed8\u4e86\u597d\u5e7e\u5e74\u7684\u8cbb\u7528\uff0c\u7d93\u5e38\u53ea\u8981\u8ce0\u984d\u4e00\u5e74\u5c31\u56de\u672c\u4e86\uff08\u898bCharles Schwab\u66f8\uff09\u3002\u5f8c\u4f86\u52a0\u5dde\u63a8\u884c \u201cCA Partnership for LTC\u201d\uff0c\u5b83\u662f\u5728\u73fe\u6709\u7684\u50b3\u7d71\u5f0f\u7684\u52a0\u5f37\u7248\uff0c\u7531\u653f\u5e9c\u53ca\u79c1\u4eba\u4f01\u696d\u5408\u4f5c\u3002\u52a0\u5dde\u662f\u5176\u4e2d\u6709\u8a2d\u7acb\u7684\u4e00\u5dde\uff0c\u5b83\u6311\u5e7e\u9593\u4fdd\u96aa\u516c\u53f8\u4f86\u5408\u4f5c\u3002\u5728\u8ce0\u984d\u4e0a\uff0c\u5b83\u81ea\u52d5\u9644\u52a05%\u8907\u5229\u689d\u6b3e\uff0c\u4e5f\u63d0\u4f9b\u514d\u8cbb\u7684\u7167\u8b77\u7ba1\u7406\u7db2 (Care Management), \u5f88\u7279\u5225\u7684\u662f\u6709\u8cc7\u7522\u62b5\u514d (Asset Protection)\u3002 \u00a0\u5982\u679c\u6211\u8cb7\u4e8620\u842c\u7684\u4fdd\u984d\uff0c\u5f8c\u4f86\u7528\u4e8665\u842c\u624d\u904e\u4e16\uff0c\u6211\u7528\u4e86\u653f\u5e9c45\u842c\u7684 Medicaid \u798f\u5229\u3002\u5c07\u4f86\u653f\u5e9c\u5728\u62cd\u8ce3\u6211\u7684\u623f\u7522\u4f86\u8ffd\u8a0e\u6642\uff0c\u5b83\u6703\u7d66\u621120\u842c\u7684\u62b5\u514d\u984d\uff0c\u6240\u4ee5\u5b83\u6703\u8ffd\u8a0e25\u842c\uff0c\u800c\u4e0d\u662f45\u842c\u3002 \u7576\u6211\u958b\u59cb\u62ff\u653f\u5e9c\u798f\u5229\u6642\uff0c\u5b83\u6703\u5728\u6211\u7684\u623f\u7522\u4e0a\u653e\u500b\u201c\u7559\u7f6e\u6b0a (lien),\u201d\u6211\u904e\u4e16\u6642\uff0c\u5b83\u6709\u512a\u5148\u6b0a\u8a0e\u56de\u6b20\u5b83\u7684\u9322\uff0c\u5269\u4e0b\u7684\u624d\u7d66\u6211\u7684\u53d7\u76ca\u4eba\u3002\u653f\u5e9c\u9f13\u52f5\u4eba\u5011\u81ea\u5df1\u8ca0\u9ede\u8cac\u4efb\uff0c\u800c\u4e0d\u662f\u90fd\u8ddf\u5b83\u8981\u798f\u5229\uff1bLTCI \u7684\u8ce0\u984d\u4e00\u822c\u4e5f\u514d\u7a05\u3002Partnership \u4fdd\u8cbb\u525b\u958b\u59cb\u9ad8\u904e\u50b3\u7d71\u7684LTCI\uff0c\u4f46\u73fe\u5728\u57fa\u672c\u4e0a\u5df2\u4e00\u6a23\u3002\u904e\u4e8670\u6b72\uff0c\u8f03\u7528\u50b3\u7d71\u578b\uff0c\u56e0\u53ef\u4ee5\u8abf\u6574\u901a\u8139\u90e8\u4efd\u4f86\u9069\u7528\u6709\u9650\u7684\u9810\u7b97\uff0c\u5982\u679c\u4e0d\u75285%\u8907\u5229\u3002<\/span><\/p>\n

\u6211\u767c\u73fe\u83ef\u4eba\u8f03\u6297\u62d2\u9019\u7a2e\u8981\u4ed8\u4e00\u8f29\u5b50\u53c8\u53ef\u80fd\u62ff\u4e0d\u56de\u4f86\u7684LTCI, \u53cd\u800c\u559c\u6b61\u4e00\u7b46\u9322\u653e\u5165\uff0c\u4e0d\u5fc5\u518d\u4ed8\uff0c\u53c8\u5305\u62ec\u4eba\u58fd\u3002\u842c\u4e00\u6c92\u7528\u4e0a\uff0c\u53ef\u8f49\u7232\u4eba\u58fd\u7d66\u6536\u76ca\u4eba\u3002\u6211\u63d0\u4f9b\u4e86\u53e6\u4e00\u8a08\u5283M\uff08\u53c8\u7a31\u8cc7\u7522\u578bLTCI\uff09\uff0c\u7576\u6642\u662f\u540c\u985e\u578b\u6392\u540d\u7b2c\u4e00\u3002\u7576\u6642\u7684\u6211\u5011\u88ab\u544a\u77e5\uff0c\u7d71\u8a08\u6578\u5b57\u986f\u793a\uff0c\u5e73\u5747\u75c5\u4eba\u5728\u7642\u990a\u9662 3-5 \u5e74\u6703\u904e\u4e16\uff0c\u6240\u4ee5\u6211\u5efa\u8b70\u4e86\u5f88\u591a6\u5e74\u7684\u8a08\u5283\u3002\u8fd1\u5e7e\u5e74\uff0c\u50b3\u7d71\u5f0f\u7684\u4fdd\u8cbb\u6162\u6162\u8abf\u9ad8\u3002\u4ee5\u524d\uff0c\u9019\u7a2e\u4fdd\u8cbb\u76f8\u7576\u7a69\u5b9a\uff0c\u4f46\u56e0\u7232\u7576\u5e74\u4f30\u8a08\u76843-5\u5e74\u5df2\u8d85\u904e\uff0c\u4fdd\u96aa\u516c\u53f8\u56b4\u91cd\u8d85\u652f\uff0c\u4e0d\u5f97\u4e0d\u4e00\u518d\u8abf\u9ad8\u4fdd\u8cbb\u4f86\u7dad\u6301\u3002\u6709\u4e9b\u516c\u53f8\u751a\u81f3\u4e0d\u518d\u6536\u65b0\u5ba2\u6236\uff0c\u6216\u62bd\u6389\u67d0\u4e9b\u8ce0\u9322\u7684\u5dde\uff1b\u4f46\u5df2\u8cb7\u7684\u5ba2\u6236\u4ecd\u4fdd\u539f\u6709\u7684\u798f\u5229\u3002\u6709\u4e9b\u4eba\u8cb7\u4e86\u5f88\u591a\u5e74\uff0c\u4e0d\u6562\u9000\u6389\uff0c\u56e0\u6703\u7528\u5230\u7684\u6642\u6a5f\u8d8a\u4f86\u8d8a\u63a5\u8fd1\uff0c\u53ea\u80fd\u7e7c\u7e8c\u4ed8\u52a0\u50f9\u3002\u53e6\u4e00\u806f\u90a6\u96c7\u54e1\u5ba2\u6236\u6536\u5230\u901a\u77e5\u554f\u5979\uff1a\u59b3\u9858\u52a0\u4ed8\u4fdd\u8cbb\u9084\u662f\u63a5\u53d7\u6e1b\u798f\u5229\uff1f\u9019\u7a2e\u7522\u54c1\u958b\u59cb\u4fbf\u5b9c\uff0c\u4f46\u537b\u4e0d\u80fd\u9396\u5b9a\u4fdd\u8cbb\u3002\u591a\u6578\u516c\u53f8\u7d66\u54e1\u5de5\u7684\u5c6c\u50b3\u7d71\u578b\uff0c\u4f46\u798f\u5229\u5f88\u4f4e\uff0c\u5f88\u591a\u4eba\u81ea\u5df1\u90fd\u641e\u4e0d\u6e05\u695a\uff0c\u4e00\u76f4\u6c92\u518d\u6aa2\u8996\uff0c\u7b49\u8981\u5230\u6642\u624d\u767c\u73fe\u4e0d\u8db3\uff0c\u592a\u9072\u4e86\u3002\u597d\u53cb\u7684\u7238\u7238\u5e7e\u5341\u5e74\u524d\u8cb7\u7684LTCI\u53ea\u6709\u6bcf\u6708$1700\u8ce0\u984d\uff0c\u7121\u901a\u8139\u689d\u6b3e\uff0c\u73fe\u6bcf\u9031\u52c9\u5f37\u8acb\u5e7e\u500b\u5c0f\u6642\u770b\u8b77\uff0c\u8b93\u5bb6\u4eba\u5598\u53e3\u6c23\uff0c\u5269\u4e0b\u7684\u6642\u9593\u5247\u662f\u4eba\u4ef0\u99ac\u7ffb\u3002\u7d50\u679c\uff0c\u5abd\u5abd\u7167\u9867\u7238\u7238\u5230\u8981\u53bb\u4f5c\u5fa9\u5065\uff0c\u597d\u53cb\u63d0\u524d\u9000\u4f11\u5e6b\u5fd9\u7167\u9867\u3002<\/span><\/p>\n

\u96a8\u8457\u6642\u9593\u7684\u6f14\u8b8a\uff0c\u901920\u5e74\u4f86\u5927\u91cf\u7684\u6230\u5f8c\u5b30\u5152\u6f6e (Baby Boomer) \u9032\u5165\u4e86LTC\u7684\u968e\u6bb5\uff0c\u6211\u7684\u5ba2\u6236\u5011\u4e5f\u4e0d\u4f8b\u5916\u3002\u6211\u6b63\u7aca\u559c\uff0c\u7d42\u65bc\u4f5c\u4e86\u9ede\u597d\u4e8b\u3002\u4e00\u5929\uff0c\u63a5\u5230\u4e00\u4f4d\u65e5\u88d4\u5ba2\u6236\u7684\u5973\u5152\u4f86\u96fb\uff0c\u5979\u958b\u59cb\u6536\u5230\u7642\u990a\u9662\u7684\u8cec\u55ae\u3002\u54e6\uff0c6\u5e74\u904e\u53bb\u4e86\uff0c\u8ce0\u984d\u5df2\u7528\u5b8c\u4e86\uff1a\u4e00\u500b\u6708\u8ce07\u5343\uff0c\u4e00\u5e748\u842c4\u5343\uff0c6\u5e7450\u842c\u7528\u5b8c\u4e86\u3002\u5979\u544a\u8a34\u6211\uff0c\u5979\u5abd\u5abd\u72c0\u6cc1\u9084\u4e0d\u932f\uff0c\u518d\u6d3b10\u5e74\u4e5f\u53ef\u80fd\uff0c\u4f46\u7121\u6cd5\u751f\u6d3b\u81ea\u7406 \uff08\u8166\u6c34\u816b\uff09\uff0c\u5979\u67092\u500b\u5b69\u5b50\uff0c\u4e5f\u4e0d\u53ef\u80fd\u628a\u5abd\u5abd\u5e36\u56de\u4f86\u7167\u9867\u3002\u5979\u5f97\u8ce3\u6389\u5abd\u5abd\u7684\u623f\u5b50\uff0c\u800c\u90a3\u672c\u4f86\u662f\u7236\u6bcd\u8981\u7559\u7d66\u5979\u9019\u500b\u7368\u751f\u5973\u7684\u3002\u5979\u5c0d\u6211\u5343\u8b1d\u842c\u8b1d\uff0c\u8aaa\u597d\u53ef\u60dc\u7576\u6642\u6c92\u8cb7\u7d42\u751f\u7406\u8ce0\u7684\u8a08\u5283\u3002\u6211\u60f3\u5230\u53e6\u4e00\u767d\u4eba\u5f8b\u5e2b\uff08\u5c08\u4f5c\u4fe1\u8a17\uff09\uff0c\u6bcf2\u5e74\u6211\u53bb\u4e0a\u4ed6\u7684\u4fe1\u8a17\u5b78\u5206\u8ab2\uff0c\u4ed6\u4e00\u5b9a\u63d0\u4ed6\u7956\u6bcd\u7684\u6559\u8a13\u3002\u5979\u5f97\u5931\u667a\u75c7, \u672c\u662f\u8001\u83f8\u69cd\uff0c\u56e0\u5931\u667a\uff0c\u5fd8\u8a18\u8981\u62bd\u7159\uff0c\u5fb7\u570b\u88d4\u7684\u9ad4\u683c\u53c8\u5148\u5929\u982d\u597d\u58ef\u58ef\uff0c\u7642\u990a\u9662\u7167\u9867\u5f97\u4e0d\u932f\uff0c\u7d50\u679c\u5f85\u4e8610\u5e7e\u5e74\u624d\u904e\u4e16\u3002\u8af7\u523a\u7684\u662f\uff0c\u4ed6\u5f88\u5f97\u610f\u5e6b\u963f\u5b24\u4f5c\u4e86\u500b\u8d85\u68d2\u7684\u8f49\u79fb\u8ca1\u7522\u4fe1\u8a17\uff0c\u800c\u904e\u4e16\u6642\u5e7e\u4e4e\u6240\u6709\u8ca1\u7522\u5df2\u8b8a\u8ce3\u5149\u4f86\u4ed8\u7642\u990a\u9662\u7684\u8cbb\u7528\uff0c\u90a3\u4fe1\u8a17\u5c31\u82f1\u96c4\u7121\u7528\u6b66\u4e4b\u5730\u3002\u4ed6\u6bcf\u6b21\u90fd\u5c0d\u4ed6\u7684\u5ba2\u6236\u53ca\u7d93\u7d00\u5927\u8072\u75be\u547c\uff1aLTCI \u662f\u8ca1\u7522\u898f\u5283\u975e\u5e38\u91cd\u8981\u7684\u4e00\u74b0 (LTCI is a very important part of the estate planning)\u3002<\/span><\/p>\n

\u6211\u6536\u5230\u8d8a\u4f86\u8d8a\u591a\u7684\u5bb6\u5c6c\u4f86\u96fb\uff1a\u4fdd\u984d\u7528\u5b8c\u4e86\uff0c\u4f46\u75c5\u4eba\u9084\u6d3b\u8457\u3002\u9019\u8b93\u6211\u5927\u7232\u50bb\u773c\uff1a\u4e0d\u662f\u5e73\u57473\u52305\u5e74\u5c31\u6703\u904e\u4e16\u55ce\uff1f\u539f\u4f86\uff0c\u901920\u5e74\u4f86\uff0c\u91ab\u5b78\u9032\u6b65\uff0c\u5ef6\u9577\u4e86\u4eba\u5011\u7684\u58fd\u547d\uff0c\u4f46\u9019\u4e9b\u75c5\u4eba\u4ecd\u9700\u8981\u7167\u8b77\uff0c\u800c\u8b77\u7406\u7684\u8cbb\u7528\u7bc0\u7bc0\u4e0a\u5347\u3002\u9084\u6709\uff0c\u6211\u7684LTC\u5b78\u5206\u8ab2\u7684\u8b1b\u5e2b\u6307\u51fa\uff0c\u5f88\u591a\u5728\u5165\u4f4f\u6b63\u5f0f\u7642\u990a\u9662\u524d\u7684\u5c45\u5bb6\u8b77\u7406 (Home Care), \u5354\u52a9\u751f\u6d3b (Assisted Living)\u7b49\u4e26\u6c92\u7b97\u5165\u90a33-5\u5e74\uff0c\u6240\u4ee5\u9020\u6210\u8aa4\u5c0e\u3002\u7232\u4e86\u7b26\u5408\u9019\u8da8\u52e2\uff0c\u6211\u958b\u59cb\u66f4\u5927\u529b\u4ecb\u7d39\u7d42\u751f\u7406\u8ce0\u7684\u8a08\u5283\uff0c\u800c\u4e14\u7d0d\u5165\u901a\u8139\u689d\u6b3e\u3002\u6211\u516c\u53f8\u662f\u7368\u7acb\u7d93\u7d00 (Independent Broker Dealer)\uff0c\u53ef\u4ee5\u6bd4\u8f03\u5ba2\u89c0\u7684\u627e\u6211\u60f3\u8981\u7684\uff0c\u4e0d\u6703\u88ab\u7d81\u4f4f\u5728\u81ea\u5df1\u516c\u53f8\u7684\u7522\u54c1\u3002O\u516c\u53f8\u8b932\u4eba\u5408\u8cb7\uff0c\u8f03\u7701\uff0c\u7701\u4e0b\u7684\u8cbb\u7528\u53ef\u8f49\u800c\u63d0\u9ad8LTC\u7684\u8ce0\u984d\u3002\u6211\u5e38\u544a\u8a34\u5ba2\u6236\uff0c\u6c92\u6709\u5b8c\u7f8e\u7684\u8a08\u5283\uff0c\u6bcf\u6a23\u90fd\u6709\u7f3a\u9ede\uff0c\u4f60\u8981\u96c6\u4e2d\u9700\u8981\u7684\u512a\u9ede\uff0c\u63a5\u53d7\u5b83\u7684\u7f3a\u9ede\u3002O\u9019\u7a2e\u8a08\u5283\u8f03\u662f\u91dd\u5c0dLTC\uff0c\u4e0d\u662f\u91dd\u5c0d\u6b7b\u4ea1\u7406\u8ce0\u6216\u6295\u8cc7\u56de\u5831\u3002<\/span><\/p>\n

\u6709\u4eba\u554f\u6211\uff0c\u78b0\u5230\u4e86\u518d\u4f86\u8ce3\u80a1\u7968\u6216\u623f\u5b50\u5462\uff1f\u6211\u6c92\u4e00\u5b9a\u6a19\u6e96\u7b54\u6848\u3002\u7528\u80a1\u7968\uff0c\u4f60\u8981\u78ba\u5b9a\u4f60\u53ea\u8cfa\u4e0d\u8ce0\uff0c\u56e0\u7232\u5e33\u55ae\u6bcf\u500b\u6708\u5bc4\u7d66\u4f60\uff1a1\u767e\u842c\u7684\u80a1\u7968\uff0c\u76ee\u524d\u4f60\u8981\u60f3\u6cd5\u6bcf\u5e74\u8cfa9%\uff0c\u624d\u80fd\u61c9\u4ed8\u6bcf\u500b\u67087\u5343\u591a\u7684\u5e33\u55ae\u3002\u4fe1\u4e0d\u4fe1\u7531\u4f60\uff0c\u6211\u6709\u5ba2\u6236\u7684\u5148\u751f\u57282008\u5e74\u5c0f\u4e2d\u98a8\uff0c\u4ed6\u592a\u592a\u8a8d\u7232\u53ef\u80fd\u662f\u80a1\u7968\u6158\u8ce0\u7684\u58d3\u529b\uff0c\u4f46\u4ed6\u7684\u5e33\u55ae\u53ef\u6c92\u7b49\u4ed6\u80a1\u7968\u56de\u5347\uff0c\u800c\u4e14\u592a\u592a\u4e0d\u6703\u64cd\u4f5c\u80a1\u7968\u3002\u88ab\u8feb\u8ce3\u623f\u5b50\u7684\u4f8b\u5b50\u4e0d\u52dd\u679a\u8209\uff0c\u5230\u6642\u53ef\u80fd\u8981\u4ea4\u4e00\u5927\u7b46\u8cc7\u672c\u5229\u5f97\u7a05\uff0c\u800c\u4e0d\u662f\u8b93\u5b69\u5b50\u7e7c\u627f\u4f86\u4eab\u53d7\u7701\u7a05\u512a\u60e0 (step-up basis)\u3002\u842c\u4e00\uff0c\u914d\u5076\u9084\u9700\u4f4f\u5728\u9019\u623f\u5b50\u5462\uff1f\u4fdd\u96aa\u662f\u7528\u5225\u4eba\u7684\u9322\uff0c\u57fa\u672c\u89c0\u5ff5\u662f\u4ee5\u5c0f\u640f\u5927 (leverage)\u3002 \u770b\u4f60\u9858\u610f\u5b8c\u5168\u7528\u81ea\u5df1\u53e3\u888b\u7684\u9322\u4f86\u4ed850\u842c\uff0c\u9084\u662f\u62ff\u51fa10\u842c\uff0c\u8b93\u4fdd\u96aa\u516c\u53f8\u5e6b\u5fd9\u51fa40\u842c\u3002Financial Planning \u96dc\u8a8c\u767b\u904e\uff0c\u4e00\u4f4d\u4e0a\u4e86\u5e74\u7d00\uff0c\u8eab\u50f9\u5343\u842c\u7684\u767d\u4eba\u5be1\u5a66\u554f\u5979\u7684\u7406\u8ca1\u9867\u554f\u201c\u6211\u7684\u9322\u90fd\u7528\u4e0d\u5b8c\u4e86\uff0c\u7232\u4ec0\u9ebd\u9084\u8981\u6211\u8cb7LTCI? \u00a0\u6211\u53c8\u662f\u82b1\u4e0d\u8d77\u3002\u201c \u00a0\u4ed6\u56de\u7b54 \u201d\u59b3\u7576\u7136\u82b1\u5f97\u8d77\uff0c\u4f46\u628a\u53ef\u4ee5\u7701\u4e0b\u7684\u9322\u7d66\u81ea\u5df1\u5b50\u5b6b\u6216\u4f5c\u6148\u5584\u4e0d\u662f\u66f4\u597d\u55ce\uff1f\u201c \u00a0\u00a0<\/span><\/p>\n

\u6211\u9084\u5e38\u88ab\u554f\u5230\uff0c\u5df2\u8cb7\u4eba\u58fd\uff0c\u7d93\u7d00\u8aaa\u53ef\u7576LTCI\u7528\u3002\u4e00\u500b65\u6b72\u7684\u4eba\uff0c\u6bcf\u5e74\u4ed81\u842c2\u5343\u8cb725\u842c\u4eba\u58fd\uff0c\u5047\u8a2d\u4ed810\u5e74\u5c31\u4e0d\u518d\u4ed8\u300210\u5e74\u5f8c\uff0c\u6211\u59d1\u4e14\u5047\u8a2d\u9084\u662f12\u842c\u5728\u73fe\u91d1\u503c (cash value), \u6211\u66ab\u4e0d\u6263\u9664\u6de8\u4fdd\u8cbb (Cost of Insurance), \u4e5f\u6c92\u52a0\u7d045%\u7684\u5229\u606f\uff0c\u901912\u842c\u73fe\u5728\u90fd\u9802\u4e0d\u4f4f2\u5e74\u7684LTC\u8cbb\u7528\uff0c\u66f4\u4e0d\u8981\u8aaa10\u5e74\u5f8c\u3002\u800c\u4e14\uff0c\u9084\u4e0d\u80fd\u63d0\u8d70\u6240\u6709\u7684\u73fe\u91d1\u503c\uff0c\u5426\u5247\uff0c\u4eba\u58fd\u6703\u65b7\u6389 (lapse), \u56e0\u7232\u6c92\u73fe\u91d1\u4ed8\u4fdd\u8cbb\uff1b\u8cb8\u6b3e\u63d0\u53d6\u662f\u8981\u4ed8\u5229\u606f\uff0c\u5c07\u4f86\u9762\u984d\uff08Face Amount\uff09\u7406\u8ce0\u8981\u6263\u9664\u5229\u606f\u53ca\u63d0\u53d6\u6b3e\u3002\u57fa\u672c\u4e0a\uff0c25\u842c\u7684\u9762\u984d\u662f\u904e\u4e16\u624d\u7406\u8ce0\uff0c\u4e00\u822c\u800c\u8a00\uff0c\u6240\u8b02\u53ef\u201c\u5f48\u6027\u201d\u63d0\u53d6\u7684\u662f\u6307\u73fe\u91d1\u503c\uff0c \u4e0d\u662f\u9762\u984d\uff0c\u9019\u662f\u5e38\u88ab<\/span>\u8aa4<\/span>\u5c0e\u4e4b\u8655\u3002\u5c31\u50cf\u66ff\u5b30\u5152\u8cb7\u500b\u767e\u842c\u4eba\u58fd\u7576\u6559\u80b2\u57fa\u91d1\uff0c\u5f88\u591a\u7236\u6bcd\u6c92\u5206\u6e05\u695a\u73fe\u91d1\u503c\u8207\u9762\u984d\u7684\u5927\u4e0d\u540c\u3002<\/span><\/p>\n

\u4eba\u58fd\u9762\u984d\u53ef\u5f48\u6027\u63d0\u53d6\u7684\u7279\u6b8a\u60c5\u6cc1\uff0c\u5305\u62ec\u91ab\u751f\u8a3a\u65b7\u7d55\u75c7 (\u4f8b\u5982\uff0c\u52696\u500b\u6708\u62161\u5e74\u58fd\u547d)\uff0c\u9019\u7a2e\u9084\u53ef\u80fd\u8981\u6298\u50f9 (\u4f8b\u5982viatical\/life settlement\uff0c 25\u842c\u62538\u6298\u621020\u842c, \u56e0\u9084\u6c92\u904e\u4e16\u5c31\u63d0\u524d\u62ff\u9762\u984d)\u3002\u9019\u5728\u7522\u54c1\u529f\u80fd\u7684\u8a2d\u8a08\u4e0a\u5b8c\u5168\u4e0d\u662f\u91dd\u5c0dLTC\u7684\u9700\u6c42\u3002\u5c31\u50cf\u8cb7\u8eca\uff0c\u90fd\u662f4\u500b\u8f2a\u5b50\uff0c\u4f46\u8dd1\u8eca\uff0c\u8ca8\u8eca\uff0c\u5ec2\u578b\u8eca\u7684\u529f\u80fd\u5927\u4e0d\u540c\uff0c\u8981\u5118\u91cf\u627e\u91dd\u5c0d\u81ea\u5df1\u4e3b\u8981\u9700\u6c42\u7684\u7522\u54c1\u3002\u540c\u6a23\u662f\u4eba\u58fd\uff0c\u8a2d\u8a08\u91cd\u9ede\u53ef\u5dee\u5f88\u5927\u3002\u5012\u662f\uff0c\u6709\u4e9b\u4eba\u7528\u4ee5\u524d\u5b58\u7684\u73fe\u91d1\u503c\u514d\u7a05\u8f49\u63db (1035 Exchange) \u4f86\u5e6b\u5fd9\u8cb7LTCI\uff0c\u4eba\u751f\u7684\u898f\u5283\u9032\u5165\u4e0d\u540c\u968e\u6bb5\uff0c\u53ef\u8003\u616e\u8abf\u6574\u5de5\u5177\u3002\u4e5f\u6709\u4eba\u7528 401K\/IRA \u520610\u5e74\u4ed8\u8cbb \uff08\u56e0\u8981\u4ed8\u7a05\uff09\u3002<\/span><\/p>\n

\u53e6\u5916\u662f\u5065\u5eb7\u5df2\u51fa\u72c0\u6cc1\uff0c\u600e\u9ebd\u8fa6\u3002\u90a3\u8981\u770b\u56b4\u91cd\u5230\u4ec0\u9ebd\u5730\u6b65\u3002\u6709\u4e9b\u62ff\u4e0d\u5230\u201c\u512a\u7b49\u201d(prefer class\/rate), \u4f46\u7a0d\u8abf\u9ad8\u4fdd\u8cbb(\u201crated\u201d)\uff0c\u9084\u662f\u8cb7\u5f97\u5230\u3002\u4e00\u00b7\u4f4d\u6c92\u544a\u77e5\u52d5\u904e\u5fc3\u81df\u624b\u8853\u7684\u5ba2\u6236\uff0c\u9084\u662f\u88ab\u67e5\u5230\u7d00\u9304\uff0c\u4ed6\u63a5\u53d7\u8abf\u964d\u4fdd\u984d\uff0c\u9084\u662f\u8cb7\u5230\u4e86\u3002\u82e5\u75282\u4eba\u5408\u8cb7\uff0c\u56e0\u7b2c2\u4eba\u904e\u4e16\u624d\u7406\u8ce0\u4eba\u58fd \uff08\u5171\u7528\u4e00\u4efd\uff09\uff0c\u5176\u4e2d\u4e00\u4eba\u5f88\u5065\u5eb7\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u80fd\u9858\u610f\u8b932\u4eba\u5408\u4fdd\u3002 \u82e5\u5230\u88ab\u62d2\u4fdd\u7684\u60c5\u6cc1\uff0c\u73fe\u5728\u53ef\u8003\u616e\u7528\u67d0\u4e9b\u5e74\u91d1\u5e6b\u9ede\u5fd9\u3002\u4ee5\u524d\u52a0\u5dde\u6c92\u6709\u901a\u904e\u9019\u7a2e\u78b0\u5230LTC\u53ef\u52a0\u500d\u63d0\u7d42\u751f\u6536\u5165\u7684\u689d\u6b3e\uff08\u5404\u5dde\u4e0d\u540c\uff0c\u800c\u52a0\u5dde\u548c\u7d10\u7d04\u5dde\u8f03\u56b4\uff09\uff0c\u73fe\u5728\u5df2\u901a\u904e\u4e86\u3002LTCI \u5c0d \u201c\u75c5\u60c5\u63a7\u5236\u7684\u6b77\u53f2\u201c\u5f88\u5728\u4e4e\uff0c\u6211\u6709\u5f88\u591a\u6709\u9ad8\u8840\u58d3\u7684\u5ba2\u6236\u8cb7\u5f97\u5230\uff0c\u4ed6\u5011\u5403\u85e5\u628a\u8840\u58d3\u63a7\u5236\u7a69\u5b9a\u3002\u4e00\u4f4d78\u6b72\uff0c10\u5e74\u524d\u66fe\u5f97\u904e\u4e73\u764c\uff0c\u670d\u75286\u7a2e\u85e5\u7684\u5ba2\u6236\u4e5f\u8cb7\u5f97\u4e0d\u932f\uff0c\u56e0\u5979\u63a7\u5236\u5f97\u7576\u3002\u4f46\u53e6\u4e00\u4f4d57\u6b72\u56b4\u91cd\u7cd6\u5c3f\u75c5\u5728\u6253\u80f0\u5cf6\u7d20\u7684\u5c31\u88ab\u62d2\u4fdd\uff0c\u56e0\u64d4\u5fc3\u4ed6\u6703\u5931\u660e\u6216\u5207\u9664\u8173\u8dbe\u800c\u5f88\u5feb\u8981LTC\u7406\u8ce0\u3002\u82e5\u6c92\u628a\u63e1\uff0c\u5b83\u5011\u4e5f\u6703\u52a0\u8981\u6c42\u9a57\u8840\uff0c\u9a57\u5c3f\uff0c\u6216\u4f5cEKG \uff08\u5fc3\u96fb\u5716\uff09\u3002<\/span><\/p>\n

\u6709\u6b21\u4e0a\u8ab2\uff0c\u8b1b\u5e2b\u8aaa\uff0c\u6709\u4e9b\u4eba\u5c0dLTCI\u6709\u8aa4\u89e3\uff0c\u4ee5\u7232\u8cb7\u4e86\uff0c\u5c31\u5bb9\u6613\u88ab\u5b69\u5b50\u9001\u7642\u990a\u9662\uff0c\u800c\u4e0d\u80af\u8cb7 \u3002\u76f8\u53cd\uff0c\u82e5\u4f60\u6709\u5f88\u597d\u7684\u4fdd\u984d\uff0c\u4f60\u66f4\u6709\u6a5f\u6703\u4f4f\u5728\u719f\u6089\u8212\u670d\u7684\u5bb6\u4e2d\u4e45\u4e9b\uff0c\u8b93\u5c08\u4eba\u4e0a\u9580\u4f86\u8b77\u7406\uff0c\u53c8\u53ef\u898b\u5230\u5bb6\u4eba\uff0c \u9019\u53eb \u201cHome Care\u201d(\u5c45\u5bb6\u8b77\u7406)\u3002\u6211\u65e9\u5e74\u807d\u8aaa\u904e \u201cNursing Home Only\u201d, \u9019\u7a2e\u53ea\u7406\u8ce0\u7642\u990a\u9662\u7684LTCI \u770b\u4f3c\u8f03\u4fbf\u5b9c\uff0c\u4f46\u4e00\u8981\u56b4\u91cd\u5230\u53ef\u4f4f\u7642\u990a\u9662\uff0c\u4e8c\u8981\u62ff\u5f97\u5230\u75c5\u5e8a\uff0c\u5426\u5247\u4e0d\u662f\u99ac\u4e0a\u53ef\u5f97\u5230\u7406\u8ce0\u3002\u4e00\u5206\u9322\uff0c\u4e00\u5206\u8ca8\uff0c\u9019\u7a2e\u9650\u5236\u8f03\u591a\u7684\u4e5f\u80fd\u6bd4\u4e00\u822c\u7684\u4fbf\u5b9c\u3002\u9084\u6709\uff0c\u6211\u500b\u4eba\u4e0d\u90a3\u9ebd\u559c\u6b61\u597d\u5e7e\u5408\u4e00\u7684\u4fdd\u96aa\u3002\u6211\u66fe\u52a0\u5165\u4e00\u500b\u7576\u6642\u5f88\u53d7\u6b61\u8fce\u7684\u4ee3\u7406\u5546\u3002\u6211\u4e0a\u4e86\u5b83\u7e3d\u516c\u53f8\u7684\u7d93\u7d00\u4eba\u8a13\u7df4 (Agent Training) \u7db2\u7ad9\u53bb\u4e0a\u8ab2\uff0c\u767c\u73fe\u5176\u5be6\u5b83\u7684\u9650\u5236\u8b1b\u5f97\u633a\u6e05\u695a (\u9019\u624d\u662f\u516c\u53f8\u7684\u5f8b\u5e2b\u5718\u5be9\u67e5\u901a\u904e\u7684)\uff0c\u548c\u5831\u7d19\u4e0a\u67d0\u4e9b\u83ef\u4eba\u7d93\u7d00\u5439\u5653\u7684\u5dee\u5f88\u5927\u3002\u5176\u4e2d\uff0c\u5b83\u660e\u8a00\uff0c\u7576\u7533\u8acbLTC\u6642 (\u6216\u5176\u5b83\u75be\u75c5\uff0c\u539f\u56e0\u7b49)\uff0c\u5b83\u5011\u4fdd\u7559\u6c7a\u5b9a\u6b0a\u4f86\u6279\u51c6\u7684\u4e00\u6b21\u6027\u984d\u5ea6\uff0c\u770b\u7576\u6642\u516c\u53f8\u7684\u8ca1\u52d9\u72c0\u6cc1\u4f86\u6c7a\u5b9a\u6279\u591a\u5c11\u3002\u5fc5\u8981\u6642\uff0c\u624d\u548c\u5176\u5b83\u7522\u54c1\u642d\u914d\u4f7f\u7528\u3002<\/span><\/p>\n

\u6211\u66fe\u78b0\u5230\u5b50\u5973\u53cd\u5c0d\u3002\u6709\u5ba2\u6236\u56de\u5831\uff0c\u5b50\u5973\u8aaa\u9322\u4e0d\u8981\u88ab\u201c\u7d81\u201d\u4f4f\uff0c\u8981\u627e\u6295\u8cc7\u56de\u5831\u7387\u9ad8\u7684\uff0c\u554f\u6211\uff0c\u600e\u9ebd\u6a23\u53ef\u4ee5\u63d0\u9ad8\u4fdd\u96aa\u7684\u6295\u8cc7\u56de\u5831\u7387\u3002\u6211\u5f88\u7121\u5948\u7684\u56de\u7b54\uff0c\u99ac\u4e0a\u201c\u51fa\u4ee3\u8a8c\u201d\u6700\u9ad8\uff0c\u4f60\u8981\u55ce\uff1f\u8acb\u56de\u53bb\u554f\u4f60\u7684\u5b50\u5973\uff0c\u82e5\u660e\u5929\u5c31\u767c\u751fLTC\uff0c\u662f\u4ed6\u5011\u8981\u8fad\u8077\u4f86\u9577\u671f\u7167\u9867\u4f60\uff0c\u9084\u662f\u6bcf\u500b\u6708\u5e6b\u4f60\u4ed87\u5343\u591a\u5143\uff1f\u6709\u8da3\u7684\u662f\uff0c\u4e5f\u78b0\u904e\u5b50\u5973\u5805\u6301\u8981\u5e6b\u7236\u6bcd\u8cb7\uff0c\u56e0\u7232\u5c07\u4f86\u4e0d\u4f46\u53ef\u4ee5\u7528\u4f86\u597d\u597d\u7167\u9867\u7236\u6bcd\uff0c\u4e5f\u53ef\u4ee5\u5118\u91cf\u4fdd\u4f4f\u60f3\u7559\u7d66\u4ed6\u5011\u7684\u8cc7\u7522\u800c\u4e0d\u88ab\u8feb\u8b8a\u8ce3\u3002<\/span><\/p>\n

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