{"id":200132,"date":"2021-04-22T11:03:54","date_gmt":"2021-04-22T18:03:54","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=200132"},"modified":"2021-04-22T11:07:50","modified_gmt":"2021-04-22T18:07:50","slug":"%e5%9c%a8%e7%be%8e%e5%9c%8b%e9%80%80%e4%bc%91%e5%be%8c%e6%af%8f%e5%80%8b%e6%9c%88%e8%83%bd%e6%8b%bf%e5%88%b0%e5%a4%9a%e5%b0%91%e9%a4%8a%e8%80%81%e9%87%91%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2021\/04\/22\/%e5%9c%a8%e7%be%8e%e5%9c%8b%e9%80%80%e4%bc%91%e5%be%8c%e6%af%8f%e5%80%8b%e6%9c%88%e8%83%bd%e6%8b%bf%e5%88%b0%e5%a4%9a%e5%b0%91%e9%a4%8a%e8%80%81%e9%87%91%ef%bc%9f\/","title":{"rendered":"\u5728\u7f8e\u570b\u9000\u4f11\u5f8c\u6bcf\u500b\u6708\u80fd\u62ff\u5230\u591a\u5c11\u990a\u8001\u91d1\uff1f"},"content":{"rendered":"\n<p>\u5728\u7f8e\u570b\uff0c\u6b63\u5e38\u7684\u9000\u4f11\u5e74\u9f61\u662f67\u6b72\uff0c\u63d0\u524d\u9000\u4f11\u662f62\u6b72\u3002\u7f8e\u570b\u9f13\u52f5\u5ef6\u9072\u9000\u4f11\uff0c\u5982\u679c\u4e00\u500b\u4eba\u9078\u64c7\u572870\u6b72\u621670\u6b72\u4ee5\u5f8c\u9000\u4f11\uff0c\u90a3\u9ebc\u6bcf\u500b\u6708\u80fd\u62ff\u5230132%\u7684\u9000\u4f11\u91d1\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\u7531\u65bc\u7f8e\u570b\u7684\u9000\u4f11\u5236\u5ea6\u5177\u6709\u4e00\u5b9a\u7684\u5f48\u6027\uff0c\u4e0d\u5c11\u8001\u4eba\u9078\u64c7\u5ef6\u9072\u9000\u4f11\uff0c\u751f\u6d3b\u4e2d\u4e5f\u5e38\u6703\u898b\u5230\u4e0d\u5c11\u8001\u5e74\u4eba\u4ecd\u5de5\u4f5c\u5728\u5404\u985e\u670d\u52d9\u884c\u696d\u3001\u79c1\u4eba\u516c\u53f8\u548c\u653f\u5e9c\u90e8\u9580\u4e2d\u3002<\/p>\n\n\n\n<p><strong>\u7f8e\u570b\u7684\u9000\u4f11\u653f\u7b56<\/strong><\/p>\n\n\n\n<p><strong>1<\/strong><strong>\u3001\u63d0\u524d\u9000\u4f11<\/strong><\/p>\n\n\n\n<p>\u4e00\u500b\u4eba\u5e74\u6eff62\u6b72\u5c31\u53ef\u4ee5\u958b\u59cb\u9818\u9000\u4f11\u91d1\uff0c\u4f46\u8981\u62537\u6298\uff0c\u6bcf\u63a8\u9072\u4e00\u500b\u6708\u9818\u53d6\uff0c\u6253\u7684\u6298\u6263\u5c31\u5c11\u4e00\u4e9b\u3002<\/p>\n\n\n\n<p><strong>2<\/strong><strong>\u3001\u6b63\u5e38\u9000\u4f11<\/strong><\/p>\n\n\n\n<p>\u6839\u64da\u51fa\u751f\u65e5\u671f\u7684\u4e0d\u540c\uff0c\u7f8e\u570b\u793e\u6703\u4fdd\u969c\u5c40(The UnitedStates Social Security Administration )\u8a2d\u5b9a\u4e86\u4e0d\u540c\u7684\u201c\u6b63\u5e38\u201d\u9000\u4f11\u5e74\u9f61\uff0c\u6bd4\u5982\uff1a<\/p>\n\n\n\n<p>1937\u5e74\u548c1937\u5e74\u4ee5\u524d\u51fa\u751f\u8005\uff0c\u9000\u4f11\u5e74\u9f61\u662f65\u6b72\uff1b<\/p>\n\n\n\n<p>1943\u5e74\u52301954\u5e74\u4e4b\u9593\u51fa\u751f\u8005\uff0c\u9000\u4f11\u5e74\u9f61\u662f66\u6b72\uff1b<\/p>\n\n\n\n<p>1960\u5e74\u548c1960\u5e74\u4ee5\u5f8c\u51fa\u751f\u8005\uff0c\u9000\u4f11\u5e74\u9f61\u662f67\u6b72\u3002<\/p>\n\n\n\n<p>\u5728\u201c\u6b63\u5e38\u201d\u9000\u4f11\u5e74\u9f61\u5167\u9000\u4f11\u7684\u4eba\uff0c\u53ef\u4ee5\u9818\u53d6\u5168\u984d\u9000\u4f11\u91d1\u3002<\/p>\n\n\n\n<p><strong>3<\/strong><strong>\u3001\u5ef6\u9072\u9000\u4f11<\/strong><\/p>\n\n\n\n<p>\u5728\u7f8e\u570b\uff0c\u4eba\u5011\u9078\u64c7\u5ef6\u9072\u9000\u4f11\u7684\u7406\u7531\u5f88\u591a\uff0c\u6709\u7684\u4eba\u662f\u559c\u6b61\u5de5\u4f5c\u3001\u9858\u610f\u767c\u63ee\u9918\u71b1\uff0c\u66f4\u591a\u7684\u4eba\u662f\u70ba\u4e86\u591a\u8cfa\u9ede\u9322\uff0c\u597d\u8b93\u81ea\u5df1\u80fd\u904e\u4e00\u500b\u66f4\u5b89\u5b9a\u3001\u5bcc\u8db3\u7684\u665a\u5e74\u3002<\/p>\n\n\n\n<p>\u9078\u64c7\u5ef6\u9072\u9000\u4f11\u7684\u4eba\u5728\u539f\u6709\u7684\u9000\u4f11\u91d1\u57fa\u790e\u4e0a\u9084\u80fd\u7372\u5f97\u734e\u52f5\u6027\u7684\u6536\u76ca(Delayed Retirement Credits) \u3002\u5982\u679c\u4e00\u500b\u4eba\u7684\u6b63\u5e38\u9000\u4f11\u5e74\u9f61\u662f66\u6b72\uff0c\u5176\u9078\u64c7\u572867\u6b72\u9000\u4f11\uff0c\u90a3\u9ebc\u4ed6\u6bcf\u500b\u6708\u80fd\u62ff\u5230108%\u7684\u9000\u4f11\u91d1\uff1b\u5982\u679c\u5176\u9078\u64c7\u572870\u6b72\u621670\u6b72\u4ee5\u5f8c\u9000\u4f11\uff0c\u90a3\u9ebc\u4ed6\u6bcf\u500b\u6708\u80fd\u62ff\u5230132%\u7684\u9000\u4f11\u91d1\u3002<\/p>\n\n\n\n<p>\u9019\u7a2e\u4ee5\u81ea\u9858\u70ba\u539f\u5247\u3001\u6f38\u9032\u5f0f\u7684\u9000\u4f11\u5236\u5ea6\uff0c\u8b93\u4eba\u5011\u53ef\u4ee5\u6839\u64da\u81ea\u8eab\u60c5\u6cc1\u9032\u884c\u9078\u64c7\u3002\u800c\u62c9\u958b\u6a94\u6b21\u7684\u9000\u4f11\u91d1\u7372\u5f97\u6bd4\u4f8b\uff0c\u7279\u5225\u662f\u5c0d\u65bc\u5ef6\u9072\u9000\u4f11\u7684\u734e\u52f5\u6027\u6536\u76ca\uff0c\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u9f13\u52f5\u4e86\u7f8e\u570b\u4eba\u5ef6\u9072\u9000\u4f11\u3002<\/p>\n\n\n\n<p>\u7f8e\u570b\u52de\u5de5\u5c40\uff08US Department of Labor\uff09\u7684\u6578\u64da\u986f\u793a\uff0c 2013\u5e74\uff0c65\u6b72\u4ee5\u4e0a\u7684\u7f8e\u570b\u7537\u6027\u4e4b\u4e2d\u670924%\u7684\u4eba\u4ecd\u5728\u5de5\u4f5c\uff0c65\u6b72\u4ee5\u4e0a\u7684\u5973\u6027\u4e2d\u670915%\u7684\u4eba\u4ecd\u5728\u5de5\u4f5c\u3002<\/p>\n\n\n\n<p>\u7f8e\u570b\u793e\u6703\u4fdd\u969c\u5c40\uff08The United States Social Security Administration\uff09\u7684\u5e74\u5ea6\u7d71\u8a08\u5831\u544a\u4e5f\u986f\u793a\u4e86\u540c\u6a23\u7684\u60c5\u6cc1\u3002\u4ee5\u7537\u6027\u6578\u64da\u70ba\u4f8b\uff0c 2000\u5e74\u6642\uff0c\u670941.6%\u5e74\u6eff62\u6b72\u7684\u7f8e\u570b\u4eba\u9078\u64c7\u7533\u9818\u9000\u4f11\u91d1\uff0c\u52302012\u5e74\uff0c\u9019\u500b\u6bd4\u4f8b\u4e0b\u8dcc\u523037.2% \uff1b2000\u5e74\u6642\uff0c\u670931.7% \u9054\u5230\u6b63\u5e38\u9000\u4f11\u5e74\u9f61\u7684\u7f8e\u570b\u4eba\u958b\u59cb\u7533\u8acb\u9000\u4f11\u91d1\uff0c\u52302012\u5e74\uff0c\u9019\u500b\u6bd4\u4f8b\u70ba31.5% \u3002<\/p>\n\n\n\n<p><strong>\u7f8e\u570b\u9000\u4f11\u653f\u7b56\u7684\u7531\u4f86\u53ca\u5b58\u5728\u7684\u554f\u984c<\/strong><\/p>\n\n\n\n<p>\u7f8e\u570b\u73fe\u884c\u7684\u6f38\u9032\u5f0f\u9000\u4f11\u5236\u5ea6\u662f1983 \u5e74\u570b\u6703\u901a\u904e\u7684\u76f8\u95dc\u6cd5\u5f8b\u898f\u5b9a\u7684\uff0c\u5728\u4e00\u6bb5\u6642\u9593\u5167\u6709\u6548\u7de9\u89e3\u4e86\u4e0a\u4e16\u7d0070 \u5e74\u4ee3\u793e\u4fdd\u8cc7\u91d1\u7f3a\u4e4f\u7684\u56f0\u5883\u3002\u7136\u800c\u52302010\u5e74\uff0c\u7f8e\u570b\u793e\u4fdd\u9805\u76ee\u51fa\u73fe1983 \u5e74\u6539\u9769\u4ee5\u4f86\u9996\u6b21\u5165\u4e0d\u6577\u51fa\u7684\u5c40\u9762\uff0c\u9810\u8a08\u52302033\u5e74\uff0c\u9084\u5c07\u9762\u81e8\u201c \u793e\u4fdd\u7834\u7522\u201d \u7684\u7a98\u5883\uff0c\u70ba\u6b64\u7f8e\u570b\u4e5f\u5b58\u5728\u8457\u662f\u5426\u8981\u201c \u63d0\u9ad8\u9000\u4f11\u5e74\u9f61\u201d \u7684\u722d\u8ad6\u3002<\/p>\n\n\n\n<p>\u7f8e\u570b\u570b\u6703\u53c3\u8b70\u9662\uff08United States Senate\uff09\u8ca1\u653f\u59d4\u54e1\u6703\u4e3b\u5e2d\u683c\u62c9\u65af\u5229\u5c31\u66fe\u7d93\u5efa\u8b70\uff0c\u5c07\u7f8e\u570b\u4eba\u7684\u9000\u4f11\u5e74\u9f61\u63d0\u9ad8\u5230 69 \u6b72\u3002<\/p>\n\n\n\n<p>\u6839\u64da\u6e2c\u7b97\uff0c\u5982\u679c\u5c07\u9000\u4f11\u5e74\u9f61\u63a8\u9072\u523068\u6b72\uff0c\u5c07\u6703\u70ba\u7f8e\u570b\u793e\u4fdd\u8cc7\u91d1\u6e1b\u5c1118%\u7684\u7f3a\u53e3\uff1b\u82e5\u662f\u5c07\u9000\u4f11\u5e74\u9f61\u63a8\u9072\u523070\u6b72\uff0c\u5c07\u70ba\u793e\u4fdd\u8cc7\u91d1\u6e1b\u5c1144%\u7684\u7f3a\u53e3\u3002<\/p>\n\n\n\n<p>\u4f46\u9019\u540c\u6a23\u4e5f\u5b58\u5728\u554f\u984c\u3002\u4e0d\u5c11\u4eba\u8af7\u523a\u8aaa\uff0c\u5982\u679c\u4ee5\u72a7\u7272\u5b89\u4eab\u665a\u5e74\u70ba\u4ee3\u50f9\uff0c\u90a3\u9ebd\u5230\u6642\u5019\u5f88\u53ef\u80fd\u6703\u51fa\u73fe\u201c\u4eba\u6c92\u4e86\uff0c\u9322\u9084\u5728\u201d\u7684\u72c0\u6cc1\u3002\u800c\u8001\u5e74\u4eba\u4e0d\u9000\u4f11\uff0c\u4e5f\u6703\u5f71\u97ff\u5230\u5e74\u8f15\u4eba\u7684\u5de5\u4f5c\u6a5f\u6703\u3002\u901a\u5e38\u4f86\u8aaa\uff0c\u5e74\u9577\u7684\u5c31\u696d\u8005\u8c50\u5bcc\u7684\u5de5\u4f5c\u7d93\u9a57\u548c\u7a69\u5b9a\u7684\u5c45\u4f4f\u7fd2\u6163\u66f4\u5bb9\u6613\u53d7\u5230\u96c7\u4e3b\u7684\u9752\u775e\u3002<\/p>\n\n\n\n<p>\u300a\u83ef\u76db\u9813\u90f5\u5831\u300b\u5c31\u66fe\u63f4\u5f15\u52de\u5de5\u7d71\u8a08\u5c40\uff08US Bureau of Labor Statistics \uff09\u7684\u6578\u64da\u5831\u5c0e\uff0c\u81ea2008 \u5e74\u91d1\u878d\u5371\u6a5f\u5f15\u767c\u7684\u7d93\u6fdf\u8870\u9000\u958b\u59cb\u4ee5\u4f86\uff0c55 \u6b72\u4ee5\u4e0a\u7684\u4eba\u53c3\u52a0\u5de5\u4f5c\u7684\u4eba\u6578\u589e\u52a0\u4e86310\u842c\uff0c\u589e\u5e45\u9054\u523012% \uff1b75 \u6b72\u53ca\u4ee5\u4e0a\u7684\u8001\u4eba\u4e2d\u53c3\u52a0\u5de5\u4f5c\u7684\u6bd4\u4f8b\u4e5f\u5728\u5347\u9ad8\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u5e74\u9f61\u572825 \u6b72\u523054 \u6b72\u4e4b\u9593\u7684\u5c31\u696d\u4eba\u6578\u6e1b\u5c11\u4e86650\u842c\uff0c\u964d\u5e45\u70ba6.5% \u3002<\/p>\n\n\n\n<p><strong>\u7f8e\u570b\u9000\u4f11\u91d1\u77e5\u591a\u5c11\uff1f<\/strong><\/p>\n\n\n\n<p>\u7f8e\u570b\u666e\u901a\u6c11\u773e\u7684\u9000\u4f11\u91d1\u662f\u793e\u4fdd\u9000\u4f11\u798f\u5229\uff08Social Security Retirement Benefits \uff09\u3002\u53d7\u50f1\u65bc\u516c\u53f8\u7684\u8a71\uff0c\u500b\u4eba\u9700\u7e73\u7d0d\u6536\u5165\u76846.20% \u7684\u793e\u4fdd\u7a05\uff0c\u516c\u53f8\u4e5f\u9700\u8981\u7e73\u7d0d\u540c\u6a23\u7684\u6bd4\u4f8b\uff1b\u5982\u679c\u662f\u81ea\u50f1\uff0c\u500b\u4eba\u9700\u7e73\u7d0d12.40%\u7684\u793e\u4fdd\u7a05\u3002<\/p>\n\n\n\n<p>\u76ee\u524d\uff0c\u7f8e\u570b\u7684\u6b63\u5e38\u9000\u4f11\u5e74\u9f61\u662f66 \u6b72\uff0c\u4f461960 \u5e74\u5f8c\u51fa\u751f\u7684\u662f67 \u6b72\u3002\u7372\u53d6\u9000\u4f11\u91d1\u5fc5\u9808\u7a4d\u652240 \u9ede\uff0c\u6bcf1130\u7f8e\u5143\u6536\u5165\u7b97\u4e00\u9ede\uff0c\u4f46\u6bcf\u5e74\u6700\u591a\u56db\u9ede\uff0c\u9019\u6a23\u81f3\u5c11\u8981\u5de5\u4f5c\u5341\u5e74\u3002\u5982\u679c\u914d\u5076\u4e0d\u5de5\u4f5c\u6216\u4e0d\u7b26\u5408\u5de5\u4f5c\u5e74\u9650\u8981\u6c42\uff0c\u4e5f\u53ef\u4ee5\u9818\u53d6\u5c11\u91cf\u9000\u4f11\u91d1\uff1b\u5982\u679c\u914d\u5076\u6b7b\u4ea1\uff0c\u914d\u5076\u5c0d\u65b9\uff08\u5fc5\u9808\u5230\u9000\u4f11\u5e74\u9f61\uff09\u4ee5\u53ca\u672a\u6210\u5e74\u7684\u5b69\u5b50\u5c07\u6703\u4eab\u53d7\u793e\u4fdd\u3002<\/p>\n\n\n\n<p><strong>\u7f8e\u570b\u9000\u4f11\u91d1\u5982\u4f55\u8a08\u7b97?<\/strong><\/p>\n\n\n\n<p>\u7b2c\u4e00\u6b65\uff1a\u53d6\u6536\u5165\u6700\u9ad8\u768435\u5e74\u7684\u5e74\u6536\u5165\u7e3d\u548c\uff08\u7d93\u904e\u901a\u8ca8\u81a8\u8139\u8abf\u6574\u7684\uff0c1980\u5e74\u8cfa5\u842c\uff08\u55ae\u4f4d\uff1a\u7f8e\u5143\uff09\u7576\u7136\u6bd42010\u5e74\u8cfa5\u842c\u8981\u591a\u5f97\u591a\uff0c\u793e\u4fdd\u5c40\u6709\u6bcf\u5e74\u7684\u901a\u8ca8\u81a8\u8139\u4fc2\u6578\uff0c\u6700\u5f8c\u7d71\u4e00\u63db\u7b97\u6210\u73fe\u503c\uff09\uff1b\u5982\u679c\u6c92\u5de5\u4f5c35 \u5e74\uff0c\u5c31\u53d6\u6240\u6709\u5de5\u4f5c\u5e74\u4efd\u7684\u6536\u5165\u3002<\/p>\n\n\n\n<p>\u7b2c\u4e8c\u6b65\uff1a\u5c07\u7e3d\u6536\u5165\u9664\u4ee535 \uff0c\u518d\u9664\u4ee512\u5f97\u51fa\u5e73\u5747\u6708\u6536\u5165\u3002<\/p>\n\n\n\n<p>\u7b2c\u4e09\u6b65\uff1a\u8a08\u7b97\u6b63\u5e38\u9000\u4f11\u5e74\u9f61\u4e0b\u7684\u9000\u4f11\u91d1\uff08\u4ee52012 \u5e74\u70ba\u4f8b\uff09\uff1a\u982d767 \u6298\u7b9790% \uff0c\u5f9e767 \u52304624 \u5340\u9593\u7b9732% \uff0c\u4e4b\u5f8c\u662f15% \u3002<\/p>\n\n\n\n<p>\u6bd4\u5982\u67d0\u4eba\u5e73\u5747\u6708\u6536\u51654762 \uff0c\u90a3\u4ed6\u7684\u9000\u4f11\u91d1\u5c31\u662f\uff1a767\u00d7 0.9 + \uff084624 &#8211; 767 \uff09x 0.32 + (4762 &#8211; 4624) x 0.15 = 1945 \u3002<\/p>\n\n\n\n<p>\u518d\u4f86\u770b\u5404\u6536\u5165\u968e\u5c64\u7684\u7f8e\u570b\u6c11\u773e\u5728\u6b63\u5e38\u9000\u4f11\u5e74\u9f61\u7684\u9000\u4f11\u91d1\u662f\u591a\u5c11\uff1a<\/p>\n\n\n\n<p>1\u3001\u6700\u4f4e\u85aa\u91d1\u6536\u5165\uff0c\u5982\u552e\u8ca8\u54e1\uff0c\u98ef\u5e97\u670d\u52d9\u54e1\u7b49\uff0c\u6642\u85aa8 \u523010\u7f8e\u5143\uff0c\u5047\u5982\u5e73\u5747\u6708\u6536\u51651400\u7f8e\u5143\uff1a<\/p>\n\n\n\n<p>\u5de5\u4f5c10 \u5e74\u7684\u8a71\uff0c\u9000\u4f11\u91d1\u662f360 \u7f8e\u5143\uff1b<\/p>\n\n\n\n<p>\u5de5\u4f5c20 \u5e74\u7684\u8a71\uff0c\u9000\u4f11\u91d1\u662f701 \u7f8e\u5143\uff1b<\/p>\n\n\n\n<p>\u5de5\u4f5c35 \u5e74\u4ee5\u4e0a\uff0c\u9000\u4f11\u91d1\u662f892 \u7f8e\u5143\u3002<\/p>\n\n\n\n<p>2\u3001\u4e00\u822c\u6536\u5165\uff0c\u5982\u8fa6\u4e8b\u54e1\u7b49\uff0c\u6708\u85aa2000 \u7f8e\u5143\u52303000 \u7f8e\u5143\uff0c\u5047\u5982\u5e73\u5747\u6708\u6536\u51652500 \u7f8e\u5143\uff1a<\/p>\n\n\n\n<p>\u5de5\u4f5c10 \u5e74\u7684\u8a71\uff0c\u9000\u4f11\u91d1\u662f643 \u7f8e\u5143\uff1b<\/p>\n\n\n\n<p>\u5de5\u4f5c20 \u5e74\u7684\u8a71\uff0c\u9000\u4f11\u91d1\u662f902 \u7f8e\u5143\uff1b<\/p>\n\n\n\n<p>\u5de5\u4f5c35 \u5e74\u4ee5\u4e0a\uff0c\u9000\u4f11\u91d1\u662f1245 \u7f8e\u5143\u3002<\/p>\n\n\n\n<p>3\u3001\u4e2d\u7b49\u6536\u5165\uff0c\u5982\u5c0f\u5b78\u6559\u5e2b\uff0c\u8a18\u8005\u7b49\uff0c\u5e74\u85aa4\u842c\u7f8e\u5143\u52305\u842c\u7f8e\u5143\uff0c\u5047\u5982\u5e73\u5747\u6708\u6536\u51653500 \u7f8e\u5143\uff1a<\/p>\n\n\n\n<p>\u5de5\u4f5c10 \u5e74\u7684\u8a71\uff0c\u9000\u4f11\u91d1\u662f765 \u7f8e\u5143\uff1b<\/p>\n\n\n\n<p>\u5de5\u4f5c20 \u5e74\u7684\u8a71\uff0c\u9000\u4f11\u91d1\u662f1084 \u7f8e\u5143\uff1b<\/p>\n\n\n\n<p>\u5de5\u4f5c35 \u5e74\u4ee5\u4e0a\uff0c\u9000\u4f11\u91d1\u662f1565 \u7f8e\u5143\u3002<\/p>\n\n\n\n<p>4\u3001\u9ad8\u85aa\u6536\u5165\uff0c\u5982\u8077\u696d\u767d\u9818\u7b49\uff0c\u5e74\u85aa6 \u842c\u7f8e\u5143\u523010 \u842c\u7f8e\u5143\uff0c\u5047\u5982\u5e73\u5747\u6708\u6536\u51656000 \u7f8e\u5143\uff1a<\/p>\n\n\n\n<p>\u5de5\u4f5c10 \u5e74\u7684\u8a71\uff0c\u9000\u4f11\u91d1\u662f993 \u7f8e\u5143\uff1b<\/p>\n\n\n\n<p>\u5de5\u4f5c20 \u5e74\u7684\u8a71\uff0c\u9000\u4f11\u91d1\u662f1542 \u7f8e\u5143\uff1b<\/p>\n\n\n\n<p>\u5de5\u4f5c35 \u5e74\u4ee5\u4e0a\uff0c\u9000\u4f11\u91d1\u662f2131 \u7f8e\u5143\u3002<\/p>\n\n\n\n<p>5\u3001\u9802\u85aa\u6536\u5165\uff0c\u5982\u7ba1\u7406\u5c64\u7b49\uff0c\u8d85\u904e11 \u842c\u7f8e\u5143\u7684\u793e\u4fdd\u6700\u9ad8\u9650\uff0c\u5373\u5e73\u5747\u6708\u6536\u51659166 \u7f8e\u5143\uff1a<\/p>\n\n\n\n<p>\u5de5\u4f5c10 \u5e74\u7684\u8a71\uff0c\u9000\u4f11\u91d1\u662f1283 \u7f8e\u5143\uff1b<\/p>\n\n\n\n<p>\u5de5\u4f5c20 \u5e74\u7684\u8a71\uff0c\u9000\u4f11\u91d1\u662f2017 \u7f8e\u5143\uff1b<\/p>\n\n\n\n<p>\u5de5\u4f5c35 \u5e74\u4ee5\u4e0a\uff0c\u9000\u4f11\u91d1\u662f2605 \u7f8e\u5143\u3002<\/p>\n\n\n\n<p>\u5982\u6b64\u770b\u4f86\uff0c\u9000\u4f11\u91d1\u7684\u4e0a\u9650\u662f\u6bcf\u67082605\u7f8e\u5143\uff0c\u73fe\u5728\u7f8e\u570b\u4eba\u9818\u53d6\u793e\u4fdd\uff082014\u5e743\u6708\u4efd\uff09\u5e73\u5747\u793e\u4fdd\u91d1\u662f1185 \u7f8e\u5143\uff08\u9019\u5305\u62ec\u6240\u6709\u9818\u53d6\u793e\u4fdd\u7684\u4eba\uff0c\u5927\u591a\u6578\u4eba\u662f\u9000\u4f11\u4eba\u54e1\uff0c\u4ed6\u5011\u5e73\u5747\u9000\u4f11\u91d1\u662f1298\uff09\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u63d0\u524d\u9000\u4f11\uff0c\u6700\u65e9\u572862\u6b72\u53ef\u4ee5\u9818\u53d6\uff0c\u4f46\u53ea\u6709\u5168\u984d\u768475% \uff0c\u4ee5\u5f8c\u6703\u964d\u523070% \uff1b\u5982\u679c\u5ef6\u9072\u9000\u4f11\uff0c\u9000\u4f11\u91d1\u6703\u6f32\uff0c\u9019\u88e1\u5c31\u4e0d\u8a0e\u8ad6\u4e86\u3002<\/p>\n\n\n\n<p><strong>\u7f8e\u570b\u9000\u4f11\u91d1\u7684\u96d9\u8ecc\u5236<\/strong><\/p>\n\n\n\n<p>\u806f\u90a6\u50f1\u54e1\u548c\u5730\u65b9\u653f\u5e9c\u50f1\u54e1\u4e00\u822c\u4e0d\u53c3\u52a0\u793e\u4fdd\uff0c\u4ed6\u5011\u6709\u81ea\u5df1\u7684\u9000\u4f11\u91d1\u8a08\u5283\uff08pension \uff09\uff0c\u4e00\u822c\u662f\u6309\u5de5\u4f5c\u5e74\u9650\uff0c\u4e00\u5e74\u7d2f\u8a081% \u52302% \u3002\u9000\u4f11\u91d1\u6309\u6700\u9ad8\u6536\u51653\u5e74\u62165\u5e74\u5e73\u5747\u70ba\u57fa\u6e96\uff0c\u4e58\u4ee5\u7d2f\u8a08\u503c\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u5de5\u4f5c35 \u5e74\uff0c\u7d2f\u8a08\u4e8670% \uff0c\u6700\u9ad8\u6536\u5165\u5e73\u5747\u662f6000 \u7f8e\u5143\u6bcf\u6708\uff0c\u90a3\u9ebc\u9000\u4f11\u91d1\u5c31\u662f4200 \u7f8e\u5143\uff0c\u9060\u5927\u65bc\u793e\u4fdd\u7684\u9000\u4f11\u91d1\u3002\u7f8e\u570b\u653f\u5e9c\u50f1\u54e1\u7e3d\u6578\u6709\u5169\u5343\u591a\u842c\uff0c\u4f54\u52de\u52d5\u529b\u4eba\u53e3\u768415% \uff0c\u52a0\u4e0a\u653f\u5e9c\u50f1\u54e1\u4e2d\u9ad8\u85aa\u7684\u6bd4\u4f8b\u4e0d\u5c11\uff0c\u9020\u6210\u5169\u7a2e\u5236\u5ea6\u4e0b\u7684\u9000\u4f11\u91d1\u5dee\u8ddd\u5de8\u5927\uff0c\u800c\u4e00\u76f4\u88ab\u793e\u6703\u8f3f\u8ad6\u6279\u8a55\u3002<\/p>\n\n\n\n<p>\u6700\u8fd1\u5e7e\u5e74\u7531\u65bc\u653f\u5e9c\u9000\u4f11\u91d1\u958b\u652f\u8d8a\u4f86\u8d8a\u5927\uff0c\u5df2\u7d93\u5165\u4e0d\u6577\u51fa\uff0c\u6709\u4e9b\u90e8\u9580\uff0c\u5982\u90f5\u5c40\u5df2\u653e\u68c4\u9000\u4f11\u91d1\u8a08\u5283\u800c\u52a0\u5165\u806f\u90a6\u7684\u793e\u4fdd\u8a08\u5283\u3002<\/p>\n\n\n\n<p><strong>401K<\/strong><strong>\u9000\u4f11\u8a08\u5283<\/strong><\/p>\n\n\n\n<p>\u9664\u4e86\u793e\u4fdd\u5916\uff0c\u7f8e\u570b\u9084\u6709401K \u6216\u985e\u4f3c\u7684\u8a08\u5283\uff0c\u9019\u7a2e\u88dc\u5145\u9000\u4f11\u91d1\u8a08\u5283\uff0c\u4e3b\u8981\u662f\u81ea\u5df1\u5b58\u9322\uff0c\u570b\u5bb6\u5c0d\u9019\u90e8\u5206\u6536\u5165\u66ab\u6642\u4e0d\u5fb5\u7a05\uff08\u793e\u4fdd\u7a05\u548c\u8001\u5e74\u91ab\u7642\u7a05\u4e0d\u80fd\u514d\uff09\uff0c\u53e6\u5916\u516c\u53f8\u4e5f\u53ef\u80fd\u5b58\u4e00\u90e8\u5206\u3002 60 \u6b72\u5f8c\u4fbf\u53ef\u4ee5\u53d6\u51fa\u4f86\uff0c\u4f46\u9700\u8981\u7e73\u7d0d\u6536\u5165\u7a05\uff0c\u7531\u65bc\u5e74\u8001\u8005\u7684\u6536\u5165\u4f4e\uff0c\u6240\u4ee5\u7a05\u7387\u6703\u8b8a\u5c11\u3002<\/p>\n\n\n\n<p>\u7f8e\u570b\u4e0d\u5c11\u5c0f\u578b\u516c\u53f8\u6839\u672c\u4e0d\u63d0\u4f9b401K \uff0c\u5373\u4f7f\u63d0\u4f9b401K \u8a08\u5283\u7684\u516c\u53f8\u53ea\u670960% \u6703\u7d66 \u54e1\u5de5\u51fa\u9ede\u9322\uff0c\u5e38\u898b\u7684\u516c\u53f8\u5339\u914d\u662f\u7d66\u54e1\u5de5\u5de5\u8cc7\u76843% \u3002\u4f46\u7f8e\u570b\u4eba\u80fd\u6709\u9322\u6295401K \u7684\u4e0d\u591a\uff0c\u4e00\u822c\u662f\u5f80401K \u9000\u4f11\u8a08\u5283\u6295\u5165\u5de5\u8cc7\u76845% \u52307% \u3002\u7f8e\u570b\u8d85\u904e\u67091.56 \u5104\u7684\u52de\u5de5\uff0c\u53ea\u67095100 \u842c\u4eba\u5f80401K \u6295\u9322\u3002\u622a\u81f32012 \u5e749\u6708\u5e95\uff0c401K \u8a08\u5283\u7e3d\u50f9\u503c3 \u842c5 \u5343\u5104\u7f8e\u5143\uff0c\u76f8\u7576\u65bc\u6bcf\u4eba\u6295\u51656 \u842c\u7f8e\u5143\u3002<\/p>\n\n\n\n<p>\u6709\u7d71\u8a08\u986f\u793a\uff0c36%\u7684\u6709\u5de5\u4f5c\u548c\u9000\u4f11\u7684\u7f8e\u570b\u4eba\u6240\u6709\u7684\u5b58\u6b3e\u548c\u6295\u8cc7\uff08\u5305\u62ec401K 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class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2021\/04\/\u9ec3\u66c9\u6771.jpg\" alt=\"\" class=\"wp-image-199569\"\/><\/figure>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"post\" \r\n\t            data-cat=\"biz,local,law,money,opinion,%e9%a7%90%e7%ab%99%e4%bd%9c%e5%ae%b6\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1619089434\"\r\n\t            data-title=\"\u5728\u7f8e\u570b\u9000\u4f11\u5f8c\u6bcf\u500b\u6708\u80fd\u62ff\u5230\u591a\u5c11\u990a\u8001\u91d1\uff1f\" \r\n\t            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\u5982\u679c\u60a8\u7684\u6536\u5165\u6709\u9650\uff0c\u60a8\u73fe\u5728\u53ef\u80fd\u6709\u8cc7\u683c\u4eab\u53d7Medicaid\uff08\u767d\u5361\uff09\u7684\u91ab\u7642\u88dc\u52a9\u3002\u7576\u60a8\u5e74\u6eff65\u6b72\u6642\uff0c\u60a8\u61c9\u8a72\u7533\u8acbMedicare\uff08\u7d05\u85cd\u5361\uff09\uff0c\u4e26\u4e14\u53ef\u4ee5\u6839\u64da\u60a8\u7684\u6536\u5165\u548c\u8cc7\u7522\u5617\u8a66\u7533\u8acb\u88dc\u5145\u4fdd\u969c\u6536\u5165\uff08SSI\uff09\u548c\/\u6216Medicare\u7bc0\u7701\u8a08\u756b\uff08MSP\uff09\u3002 <\u554f\u984c3> \u621165\u6b72\uff0c\u5230\u4eca\u5e749\u6708\u5df2\u7d93\u4f86\u7f8e\u570b10\u5e74\u4e86\u3002\u6211\u63d0\u4ea4\u4e86\u6c38\u5c45\u7533\u8acb\uff0c\u5f88\u5feb\u5c31\u6703\u62ff\u5230\u7da0\u5361\u3002\u6211\u4ec0\u9ebc\u6642\u5019\u53ef\u4ee5\u52a0\u5165Medicare\uff08\u7d05\u85cd\u5361\uff09\uff1f\u6211\u807d\u8aaa\u67095\u5e74\u7684\u7b49\u5f85\u671f\uff0c\u6240\u4ee5\u6536\u5230\u7da0\u5361\u5f8c\u6211\u5fc5\u9808\u7b49\u5f855\u5e74\u55ce\uff1f \u8981\u7372\u5f97\u52a0\u5165Medicare\uff08\u7d05\u85cd\u5361\uff09\u7684\u8cc7\u683c\uff0c\u500b\u4eba\u5fc5\u9808\u5e74\u6eff65\u6b72\uff0c\u4e26\u4e14\u662f\u7f8e\u570b\u516c\u6c11\u6216\u5728\u7f8e\u570b\u5408\u6cd5\u5c45\u4f4f\u81f3\u5c11\u9023\u7e8c5\u5e74\u3002\u60a8\u4e0d\u5fc5\u5728\u6574\u500b5\u5e74\u5167\u90fd\u662f\u6c38\u4e45\u5c45\u6c11\uff0c\u4f46\u5728\u8a3b\u518aMedicare\u6642\u9700\u8981\u6210\u70ba\u6c38\u4e45\u5c45\u6c11\u3002\u60a8\u7684\u521d\u59cb\u8a3b\u518a\u671f (IEP) \u662f\u5f9e\u60a8\u5f97\u5230\u901a\u77e5\u6210\u70ba\u6c38\u4e45\u5c45\u6c11\u4e26\u6536\u5230\u7da0\u5361\u6642\u958b\u59cb\uff0c\u6301\u7e8c3\u500b\u6708\u3002 <\u554f\u984c 4> \u6211\u7684Medicaid\uff08\u767d\u5361\uff09\u8cc7\u683c\u6aa2\u67e5\u662f\u4ec0\u9ebc\u6642\u5019\uff1f\u6211\u4f55\u6642\u6703\u6536\u5230\u5dde\u653f\u5e9c\u7684\u7e8c\u4fdd\u4fe1\uff1f\u6211\u81f3\u4eca\u9084\u6c92\u6709\u6536\u5230\u5dde\u653f\u5e9c\u7684\u4f86\u4fe1\uff0c\u6211\u61c9\u8a72\u600e\u9ebc\u8fa6\uff1f \u60a8\u6536\u5230Medicaid\uff08\u767d\u5361\uff09\u8cc7\u683c\u6aa2\u67e5\u901a\u77e5\u7684\u6642\u9593\u53d6\u6c7a\u65bc\u60a8\u7576\u524dMedicaid\u7684\u7d50\u675f\u65e5\u671f\u3002\u4e00\u822c\u4f86\u8aaa\uff0cMedicaid\u53d7\u76ca\u4eba\u6703\u5728\u627f\u4fdd\u7d50\u675f\u65e5\u671f\u524d30\u81f360\u5929\u6536\u5230\u7e8c\u4fdd\u901a\u77e5\uff0c\u4f46\u5404\u5dde\u90fd\u6709\u5404\u81ea\u7684\u6a19\u6e96\u3002Medicaid \u8cc7\u683c\u6aa2\u67e5\u76ee\u524d\u6b63\u5728\u9032\u884c\u4e2d\uff0c\u4e26\u5c07\u6301\u7e8c\u6574\u500b2023\u5e74\uff0c\u9810\u8a08\u6309\u5e8f\u5be9\u6838\u52302024\u5e74\u3002 \u8acb\u5bc6\u5207\u95dc\u6ce8\u60a8\u6240\u5728\u5dde\u7684\u885b\u751f\u90e8\u767c\u9001\u7684\u6240\u6709\u901a\u77e5\uff0c\u4ee5\u4fdd\u8b49\u60a8\u7684\u7e8c\u4fdd\u9806\u5229\u9032\u884c\uff0c\u907f\u514d\u5931\u53bb\u4fdd\u96aa\u3002\u56e0\u6b64\uff0c\u60a8\u9700\u8981\u78ba\u4fdd\u60a8\u5411\u885b\u751f\u90e8\u63d0\u4f9b\u7684\u806f\u7e6b\u65b9\u5f0f\u662f\u6709\u6548\u7684\u3002\u5982\u679c\u60a8\u8a8d\u70ba\u60a8\u61c9\u8a72\u5df2\u7d93\u6536\u5230\u8cc7\u683c\u6aa2\u67e5\u6a94\u4f46\u5c1a\u672a\u6536\u5230\uff0c\u60a8\u53ef\u4ee5\u81f4\u96fb\u7576\u5730\u7684Medicaid\u8fa6\u516c\u5ba4\u67e5\u8a62\u3002 \u570b\u5bb6\u4e9e\u592a\u8001\u9f61\u5316\u4e2d\u5fc3 (NAPCA) \u662f\u4e00\u500b\u975e\u71df\u5229\u7d44\u7e54\uff0c\u81f4\u529b\u65bc\u6539\u5584\u4e9e\u88d4\u7f8e\u570b\u4eba\u3001\u590f\u5a01\u5937\u539f\u4f4f\u6c11\u548c\u592a\u5e73\u6d0b\u5cf6\u6c11 \uff08AANHPI\uff09\u5e74\u9577\u8005\u53ca\u5176\u5bb6\u4eba\u7684\u751f\u6d3b\u54c1\u8cea\u3002NAPCA\u5e74\u9577\u8005\u5e6b\u52a9\u4e2d\u5fc3\u9762\u5411\u5e74\u9577\u8005\u53ca\u5176\u770b\u8b77\u4eba\u63d0\u4f9b\u4e94\u7a2e\u4e0d\u540c\u8a9e\u8a00\u7684\u670d\u52d9\u3002","rel":"","context":"In &quot;\u5065\u5eb7\u990a\u751f&quot;","block_context":{"text":"\u5065\u5eb7\u990a\u751f","link":"https:\/\/newsforchinese.com\/v3\/category\/health\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/senior-e1603130046849.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/senior-e1603130046849.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2020\/10\/senior-e1603130046849.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":236160,"url":"https:\/\/newsforchinese.com\/v3\/2023\/03\/11\/%e5%9c%8b%e5%ae%b6%e4%ba%9e%e5%a4%aa%e8%80%81%e9%bd%a1%e5%8c%96%e4%b8%ad%e5%bf%83%e5%b0%88%e6%ac%84\/","url_meta":{"origin":200132,"position":4},"title":"\u570b\u5bb6\u4e9e\u592a\u8001\u9f61\u5316\u4e2d\u5fc3\u5c08\u6b04","author":"Raymond","date":"March 11, 2023","format":false,"excerpt":"\u570b\u5bb6\u4e9e\u592a\u8001\u9f61\u5316\u4e2d\u5fc3 (NAPCA) \u662f\u4e00\u5bb6\u975e\u71df\u5229\u7d44\u7e54\uff0c\u81f4\u529b\u65bc\u6539\u5584\u83ef\u88d4\u5e74\u9577\u8005\u53ca\u5176\u5bb6\u4eba\u7684\u751f\u6d3b\u8cea\u91cf\u3002 NAPCA\u7684\u5e74\u9577\u8005\u5e6b\u52a9\u4e2d\u5fc3 (NAPSAC) \u6b63\u9762\u5411\u5e74\u9577\u8005\u53ca\u5176\u770b\u8b77\u8005\u63d0\u4f9b\u591a\u8a9e\u8a00\u5e6b\u52a9\u3002\u5728\u672c\u6708\u5ea6\u5c08\u6b04\u4e2d\uff0c\u6211\u5011\u60f3\u5206\u4eab\u4e00\u4e9b\u91cd\u8981\u7684\u8b80\u8005\u63d0\u554f\uff0c\u5e0c\u671b\u5b83\u5011\u53ef\u4ee5\u5e6b\u52a9\u5230\u60a8\u3002 #1 \u554f\uff1a \u6211\u572862 \u6b72\u6642\u53ef\u4ee5\u4eab\u53d7\u54ea\u4e9b\u793e\u6703\u4fdd\u969c\u798f\u5229\uff1f\u8207 65 \u6b72\u7684\u4eba\u6536\u5230\u7684\u798f\u5229\u76f8\u6bd4\u5982\u4f55\uff1f \u7b54\uff1a \u7576\u60a8\u5e74\u6eff62\u6b72\uff0c\u60a8\u53ef\u63d0\u524d\u958b\u59cb\u9818\u53d6\u793e\u6703\u4fdd\u969c\u9000\u4f11\u91d1\u3002 \u4f46\u5982\u679c\u60a8\u5728\u5b8c\u5168\u9000\u4f11\u5e74\u9f61\u524d\u958b\u59cb\u9818\u53d6\uff0c\u6bcf\u6708\u91d1\u984d\u6839\u64da\u6240\u63d0\u524d\u7684\u5e74\u6578\u6bcf\u5e74\u6e1b\u5c118%\u3002 \u82e5\u60a8\u5728\u9054\u5230\u5b8c\u5168\u9000\u4f11\u5e74\u9f61\u6642\u958b\u59cb\u9818\u53d6\u9000\u4f11\u91d1\uff0c\u60a8\u5c07\u7372\u5f97100%\u7684\u9000\u4f11\u91d1\u3002 \u82e5\u60a8\u63a8\u9072\u9818\u53d6\uff0c\u8a72\u91d1\u984d\u5c07\u5728\u60a8\u9054\u5230\u5b8c\u5168\u9000\u4f11\u5e74\u9f61\u5f8c\uff0c\u6839\u64da\u6240\u63a8\u9072\u7684\u5e74\u6578\u6bcf\u5e74\u4ee5\u76f8\u540c\u7684\u6bd4\u7387\u589e\u52a0\uff0c\u76f4\u5230\u60a870\u6b72\u3002 #2 \u554f\uff1a \u7576\u6211\u9054\u5230\u5b8c\u5168\u9000\u4f11\u5e74\u9f61\u6642\uff0c\u6211\u5c07\u7533\u8acb\u793e\u6703\u4fdd\u969c\u9000\u4f11\u91d1\u3002\u6211\u662f\u7f8e\u570b\u516c\u6c11\uff0c\u5df2\u670940\u500b\u5de5\u4f5c\u7a4d\u5206\u3002\u6211\u7684\u59bb\u5b50\u662f\u7da0\u5361\u6301\u6709\u8005\uff0c\u5f9e\u672a\u5728\u7f8e\u570b\u5de5\u4f5c\u3002\u5979\u662f\u5426\u6709\u8cc7\u683c\u4eab\u6709\u6211\u7684\u9000\u4f11\u798f\u5229\u5373\u4f7f\u5979\u4e0d\u662f\u516c\u6c11\uff1f \u7b54\uff1a 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\u4f46\u7531\u65bc\u60a8\u7684\u59bb\u5b50\u672a\u66fe\u5728\u7f8e\u570b\u5de5\u4f5c\uff0c\u5979\u6700\u591a\u53ef\u7372\u5f97\u60a8\u798f\u5229\u768450%\u7684\u914d\u5076\u793e\u6703\u4fdd\u969c\u798f\u5229\u3002\u5728\u60a8\u958b\u59cb\u9818\u53d6\u793e\u6703\u4fdd\u969c\u9000\u4f11\u91d1\u5f8c\uff0c\u5979\u5c07\u6709\u8cc7\u683c\u5728\u597962\u6b72\u6642\u9818\u53d6\u798f\u5229\u3002\u7136\u800c\uff0c\u5982\u679c\u5979\u80fd\u5728\u9054\u5230\u5b8c\u5168\u9000\u4f11\u5e74\u9f61\u6642\u518d\u7533\u8acb\u9818\u53d6\uff0c\u5979\u7684\u6bcf\u6708\u798f\u5229\u6703\u66f4\u9ad8\u3002 #3 \u554f\uff1a \u4ec0\u9ebc\u662fMedicare \uff1f\u8ab0\u53ef\u4ee5\u7372\u5f97\u5b83\uff1f \u7b54\uff1a Medicare\u662f\u4e00\u9805\u91dd\u5c0d65\u6b72\u6216\u4ee5\u4e0a\u4eba\u58eb\u7684\u5065\u5eb7\u4fdd\u96aa\u8a08\u5283\u3002Medicare\u53ef\u4ee5\u5e6b\u52a9\u652f\u4ed8\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\uff0c\u4f46\u5b83\u7121\u6cd5\u6db5\u84cb\u5168\u90e8\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u6216\u5927\u591a\u6578\u9577\u671f\u8b77\u7406\u8cbb\u7528\u3002 Original Medicare (\u539f\u6709\u7684Medicare) \u5305\u62ecA\u90e8\u5206\u548cB\u90e8\u5206\uff1a A\u90e8\u5206\u662f\u91ab\u9662\u4fdd\u96aa\uff0c\u5e6b\u52a9\u652f\u4ed8\u4f4f\u9662\u75c5\u4eba\u7684\u4f4f\u9662\u8b77\u7406\u8cbb\u7528\u6216\u4f4f\u9662\u5f8c\u5728\u5c08\u696d\u8b77\u7406\u6a5f\u69cb\u4e00\u5b9a\u6642\u9593\u5167\u7684\u8b77\u7406\u8cbb\u7528\uff0c\u4ee5\u53ca\u7279\u5b9a\u7684\u5bb6\u5ead\u4fdd\u5065\u548c\u81e8\u7d42\u95dc\u61f7\u8cbb\u7528\uff1b B\u90e8\u5206\u662f\u91ab\u7642\u4fdd\u96aa\uff0c\u5e6b\u52a9\u652f\u4ed8\u91ab\u9662\u4fdd\u96aa\u4e0d\u627f\u64d4\u7684\u91ab\u751f\u670d\u52d9\u53ca\u8a31\u591a\u5176\u4ed6\u91ab\u7642\u670d\u52d9\u548c\u7528\u54c1\u7684\u8cbb\u7528\u3002 Medicare\u9084\u5305\u62ecC\u90e8\u5206\u548cD\u90e8\u5206\uff1a C\u90e8\u5206\u88ab\u7a31\u70baMedicare Advantage (Medicare\u512a\u52e2\u8a08\u5283) \uff0c\u9019\u4e9b\u8a08\u5283\u5df2\u7372\u5f97Medicare \u6279\u51c6\uff0c\u7531\u79c1\u4eba\u516c\u53f8\u63d0\u4f9b\u3002\u8a31\u591a\u512a\u52e2\u8a08\u5283\u5305\u62ec\u85e5\u7269\u627f\u4fdd\u548c\u5176\u4ed6\u984d\u5916\u798f\u5229\uff1b D\u90e8\u5206\u662f\u85e5\u7269\u4fdd\u96aa\uff0c\u5e6b\u52a9\u652f\u4ed8\u8655\u65b9\u85e5\u8cbb\u7528\u3002 #4 \u554f\uff1a \u6211\u73fe\u572865\u6b72\uff0c\u6c92\u6709\u5de5\u4f5c\u7a4d\u5206\u3002\u6211\u59bb\u5b50\u670940\u500b\u7a4d\u5206\uff0c\u6253\u7b97\u660e\u5e74\u6eff62\u6b72\u6642\u7533\u8acb\u63d0\u524d\u9000\u4f11\u3002\u6211\u73fe\u5728\u53ef\u4ee5\u7533\u8acbMedicare A\u90e8\u5206\u55ce\uff1f\u5b83\u662f\u514d\u8cbb\u7684\u55ce\uff1f \u7b54\uff1a \u53d6\u6c7a\u65bc\u60a8\u7684\u5c45\u4f4f\/\u516c\u6c11\u8eab\u4efd\u53ca\u60a8\u6240\u5728\u7684\u5dde\uff0c\u60a8\u73fe\u5728\u53ef\u80fd\u6709\u8cc7\u683c\u7372\u5f97\u4f4e\u6210\u672c\u6216\u514d\u8cbb\u7684A\u90e8\u5206\u3002\u6216\u8005\uff0c\u60a8\u53ef\u4ee5\u7b49\u5230\u60a8\u7684\u59bb\u5b50\u5e74\u6eff62\u6b72\u6642\u518d\u7533\u8acb\u514d\u8cbb\u7684A\u90e8\u5206\u3002\u5982\u60a8\u9700\u8981\u7533\u8acb\u5e6b\u52a9\uff0c\u8acb\u806f\u7e6b\u6211\u5011\u3002 #5 \u554f\uff1a\u2026","rel":"","context":"In 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