{"id":297368,"date":"2026-06-20T06:05:00","date_gmt":"2026-06-20T13:05:00","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=297368"},"modified":"2026-06-13T22:18:09","modified_gmt":"2026-06-14T05:18:09","slug":"%e9%bb%83%e9%87%91%e5%8d%81%e5%b9%b4%e7%9a%84%e9%95%b7%e6%9c%9f%e8%ad%b7%e7%90%86%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%ad%96%e7%95%a5","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2026\/06\/20\/%e9%bb%83%e9%87%91%e5%8d%81%e5%b9%b4%e7%9a%84%e9%95%b7%e6%9c%9f%e8%ad%b7%e7%90%86%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%ad%96%e7%95%a5\/","title":{"rendered":"\u9ec3\u91d1\u5341\u5e74\u7684\u9577\u671f\u8b77\u7406\u4fdd\u96aa\u898f\u5283\u7b56\u7565"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u96a8\u8457\u91ab\u7642\u6280\u8853\u7684\u9032\u6b65\u8207\u5e73\u5747\u58fd\u547d\u7684\u5ef6\u9577\uff0c\u8001\u9f61\u5316\u793e\u6703\u7684\u7167\u8b77\u9700\u6c42\u5df2\u6210\u70ba\u6bcf\u500b\u4eba\u7121\u6cd5\u8ff4\u907f\u7684\u8ca1\u52d9\u8ab2\u984c\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p class=\"wp-block-paragraph\">\u7279\u5225\u662f\u5c0d\u65bc\u5c45\u4f4f\u5728\u7f8e\u570b\u9ad8\u7269\u50f9\u3001\u9ad8\u5de5\u8cc7\u9802\u9ede\u7684\u820a\u91d1\u5c71\u7063\u5340\uff08Bay Area\uff09\u5c45\u6c11\u800c\u8a00\uff0c\u9000\u4f11\u5f8c\u7684\u91ab\u7642\u8207\u770b\u8b77\u958b\u92b7\uff0c\u5f80\u5f80\u662f\u541e\u566c\u7562\u751f\u7a4d\u84c4\u7684\u6700\u5927\u96b1\u5f62\u6bba\u624b\u3002\u5982\u4f55\u5728\u9019\u7247\u5168\u7f8e\u751f\u6d3b\u6210\u672c\u6700\u9ad8\u7684\u5340\u57df\uff0c\u70ba\u81ea\u5df1\u8207\u5bb6\u4eba\u6253\u9020\u4e00\u4efd\u517c\u5177\u5c0a\u56b4\u8207\u8ca1\u52d9\u5b89\u5168\u611f\u7684\u9577\u7167\u9632\u8b77\u7db2\uff1f\u9019\u9700\u8981\u7cbe\u6e96\u7684\u5e02\u5834\u8a8d\u77e5\u8207\u524d\u77bb\u6027\u7684\u91d1\u878d\u5de5\u5177\u5e03\u5c40\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u95dc\u9375\u8b66\u8a0a\uff1a<\/strong> \u820a\u91d1\u5c71\u7063\u5340\uff08\u5305\u542b\u77fd\u8c37\u8207\u4e2d\u534a\u5cf6\uff09\u7684\u5c08\u696d\u5c45\u5bb6\u770b\u8b77\uff08Home Health Aide\uff09\u8cbb\u7528\uff0c\u76ee\u524d\u6bcf\u5e74\u5df2\u8f15\u9b06\u7a81\u7834 <strong>$100,000 <\/strong><strong>\u7f8e\u5143<\/strong>\u5927\u95dc\uff0c\u4e14\u6f32\u5e45\u9060\u8d85\u4e00\u822c\u901a\u81a8\u7387\u3002\u82e5\u672a\u80fd\u63d0\u524d\u898f\u5283\uff0c\u4e2d\u7522\u968e\u7d1a\u8f9b\u82e6\u7d2f\u7a4d\u7684\u8cc7\u7522\u53ef\u80fd\u5728\u77ed\u77ed\u6578\u5e74\u5167\u9762\u81e8\u6e05\u7a7a\u7684\u98a8\u96aa\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e00\u3001<\/strong><strong> <\/strong><strong>\u7063\u5340\u9577\u7167\u6d77\u562f\uff1a\u9a5a\u4eba\u7684\u5be6\u9ad4\u7167\u8b77\u6210\u672c\u5206\u6790<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u7f8e\u570b\uff0c\u5e38\u898f\u7684\u806f\u90a6\u91ab\u7642\u4fdd\u96aa\uff08Medicare\uff09\u4e26\u4e0d\u652f\u4ed8\u9577\u671f\u7684\u300c\u975e\u91ab\u7642\u6027\u65e5\u5e38\u8d77\u5c45\u7167\u8b77\u300d\uff08Custodial Care\uff09\uff0c\u5982\u6d17\u6fa1\u3001\u7a7f\u8863\u6216\u9032\u98df\u7b49\u3002\u82e5\u8981\u4f9d\u8cf4\u52a0\u5dde\u91ab\u7642\u88dc\u52a9\uff08Medi-Cal\uff09\uff0c\u5247\u5fc5\u9808\u5c07\u500b\u4eba\u5be6\u8cea\u8cc7\u7522\u964d\u4f4e\u81f3\u8fd1\u4e4e\u8ca7\u56f0\u7684\u6c34\u5e73\u3002\u56e0\u6b64\uff0c\u81ea\u8cbb\u6216\u4f9d\u8cf4\u5546\u696d\u4fdd\u96aa\u6210\u70ba\u7d55\u5927\u591a\u6578\u7063\u5340\u5bb6\u5ead\u7684\u552f\u4e00\u9078\u64c7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7531\u65bc\u7063\u5340\u4eba\u529b\u6210\u672c\u6975\u9ad8\uff0c\u4e0d\u8ad6\u662f\u9078\u64c7\u8b93\u770b\u8b77\u7dad\u6301\u5bb6\u5ead\u5167\u90e8\u65e5\u5e38\u904b\u4f5c\u7684\u300c\u5c45\u5bb6\u770b\u8b77\u300d\uff0c\u6216\u662f\u5165\u4f4f\u300c\u8f14\u52a9\u751f\u6d3b\u793e\u5340\uff08Assisted Living Facility\uff09\u300d\uff0c\u5176\u958b\u92b7\u90fd\u6975\u70ba\u9a5a\u4eba\u3002\u4ee5\u4e0b\u70ba\u8fd1\u5e74\u7063\u5340\u6838\u5fc3\u5340\u57df\u7684\u5e73\u5747\u7167\u8b77\u6210\u672c\u4f30\u7b97\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5c45\u5bb6\u770b\u8b77\uff08\u6bcf\u9031<\/strong><strong> 44 <\/strong><strong>\u5c0f\u6642\uff09\uff1a<\/strong> \u6bcf\u6708\u7d04 $8,500 &#8211; $9,500 \u7f8e\u5143 \/ <strong>\u6bcf\u5e74\u7d2f\u7a4d\u7d04<\/strong><strong> $102,000 &#8211; $114,000 <\/strong><strong>\u7f8e\u5143<\/strong>\u3002<\/li>\n\n\n\n<li><strong>\u8f14\u52a9\u751f\u6d3b\u793e\u5340\uff08<\/strong><strong>Assisted Living &#8211; <\/strong><strong>\u55ae\u4eba\u623f\uff09\uff1a<\/strong> \u6bcf\u6708\u7d04 $7,000 &#8211; $8,500 \u7f8e\u5143 \/ <strong>\u6bcf\u5e74\u7d2f\u7a4d\u7d04<\/strong><strong> $84,000 &#8211; $102,000 <\/strong><strong>\u7f8e\u5143<\/strong>\u3002<\/li>\n\n\n\n<li><strong>\u5c08\u696d\u7642\u990a\u9662\uff08<\/strong><strong>Nursing Home &#8211; <\/strong><strong>\u7368\u7acb\u55ae\u9593\uff09\uff1a<\/strong> \u6bcf\u6708\u7d04 $13,000 &#8211; $15,000 \u7f8e\u5143 \/ <strong>\u6bcf\u5e74\u7d2f\u7a4d\u9ad8\u9054<\/strong><strong> $156,000 &#8211; $180,000 <\/strong><strong>\u7f8e\u5143<\/strong>\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u4e0a\u8ff0\u6578\u64da\u50c5\u662f\u57fa\u65bc\u300c\u90e8\u5206\u6642\u9593\u7167\u8b77\u300d\u6216\u4e2d\u7b49\u6c34\u5e73\u6a5f\u69cb\u7684\u7d71\u8a08\u3002\u82e5\u9000\u5316\u81f3\u9700\u8981 24 \u5c0f\u6642\u5168\u5929\u5019\u5c45\u5bb6\u5168\u8077\u770b\u8b77\uff0c\u5e74\u5ea6\u958b\u92b7\u5c07\u76f4\u5954 20 \u842c\u7f8e\u5143\u4ee5\u4e0a\u3002\u9762\u5c0d\u5982\u6b64\u9ad8\u6602\u7684\u9577\u7167\u6d77\u562f\uff0c\u50b3\u7d71\u7684\u300c\u4ee5\u5132\u84c4\u990a\u8001\u300d\u89c0\u5ff5\u5728\u7063\u5340\u6b63\u9762\u81e8\u56b4\u5cfb\u6311\u6230\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e8c\u3001<\/strong><strong> <\/strong><strong>\u9ec3\u91d1\u6295\u4fdd\u7a97\u53e3\uff1a\u70ba\u4f55\u61c9\u9396\u5b9a\u5728<\/strong><strong> 55 <\/strong><strong>\u81f3<\/strong><strong> 65 <\/strong><strong>\u6b72\uff1f<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u65e2\u7136\u9577\u7167\u98a8\u96aa\u4e0d\u53ef\u907f\u514d\uff0c\u4f55\u6642\u624d\u662f\u6700\u4f73\u7684\u5165\u5834\u4f48\u5c40\u6642\u6a5f\uff1f\u91d1\u878d\u898f\u5283\u8207\u4fdd\u96aa\u91ab\u5b78\u7cbe\u7b97\u6578\u64da\u6307\u51fa\uff1a<strong>55 <\/strong><strong>\u6b72\u81f3<\/strong><strong> 65 <\/strong><strong>\u6b72\u662f\u9396\u5b9a\u9577\u671f\u8b77\u7406\u4fdd\u969c\u7684\u300c\u9ec3\u91d1\u5341\u5b57\u8def\u53e3\u300d<\/strong>\u3002\u539f\u56e0\u6709\u4ee5\u4e0b\u4e09\u5927\u6838\u5fc3\u8981\u7d20\uff1a<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u4fdd\u8cbb\u8207\u69d3\u687f\u7684\u6700\u4f73\u5e73\u8861\u9ede\uff1a<\/strong> 55 \u6b72\u4e4b\u524d\u6295\u4fdd\uff0c\u96d6\u7136\u8eab\u9ad4\u5065\u5eb7\uff0c\u4f46\u7e73\u8cbb\u671f\u62c9\u5f97\u904e\u9577\uff0c\u7e3d\u9ad4\u6642\u9593\u6210\u672c\u8f03\u9ad8\uff1b\u800c 65 \u6b72\u4e4b\u5f8c\uff0c\u4fdd\u8cbb\u6703\u96a8\u8457\u5e74\u9f61\u5448\u6307\u6578\u7d1a\u66b4\u6f32\uff0c\u4fdd\u96aa\u69d3\u687f\u6548\u76ca\u5927\u5e45\u7a00\u91cb\u3002<\/li>\n\n\n\n<li><strong>\u6838\u4fdd\u901a\u904e\u7387\u7684\u81e8\u754c\u9ede\uff1a<\/strong> \u9032\u5165 60 \u6b72\u5f8c\uff0c\u8a31\u591a\u4eba\u958b\u59cb\u51fa\u73fe\u9ad8\u8840\u58d3\u3001\u9ad8\u8840\u7cd6\u3001\u95dc\u7bc0\u9000\u5316\u6216\u8f15\u5fae\u8a8d\u77e5\u969c\u7919\u7b49\u6162\u6027\u75c5\u3002\u9577\u7167\u4fdd\u96aa\u7684\u5065\u5eb7\u6838\u4fdd\uff08Underwriting\uff09\u6bd4\u666e\u901a\u58fd\u96aa\u66f4\u70ba\u56b4\u683c\uff0c\u4e00\u65e6\u75c5\u6b77\u7559\u4e0b\u7d00\u9304\uff0c\u6975\u6613\u88ab\u4fdd\u53f8\u62d2\u4fdd\u6216\u52a0\u8cbb\u3002<\/li>\n\n\n\n<li><strong>\u52a0\u5dde\u9577\u7167\u7a05\uff08<\/strong><strong>LTC Tax<\/strong><strong>\uff09\u7684\u6f5b\u5728\u672a\u96e8\u7da2\u7e46\uff1a<\/strong> \u501f\u9451\u83ef\u76db\u9813\u5dde\u7684\u5148\u4f8b\uff0c\u52a0\u5dde\u8fd1\u5e74\u4e00\u76f4\u5728\u7814\u8b70\u5f37\u5236\u5fb5\u6536\u5dde\u7d1a\u9577\u671f\u8b77\u7406\u7a05\u3002\u63d0\u524d\u5728 55-65 \u6b72\u9ec3\u91d1\u671f\u7f6e\u8fa6\u597d\u5408\u898f\u7684\u5546\u696d\u9577\u7167\u4fdd\u96aa\uff0c\u672a\u4f86\u66f4\u6709\u6a5f\u6703\u8c41\u514d\u9019\u7b46\u984d\u5916\u7684\u85aa\u8cc7\u7a05\u8ca0\u3002<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4e09\u3001<\/strong><strong> <\/strong><strong>\u73fe\u4ee3\u89e3\u6c7a\u65b9\u6848\uff1a\u5229\u7528\u300c\u5e36\u9577\u7167\u9644\u52a0\u689d\u6b3e\u7684\u7d42\u8eab\u58fd\u96aa\u300d<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u904e\u53bb\u98a8\u884c\u4e00\u6642\u7684\u300c\u50b3\u7d71\u9577\u7167\u96aa\uff08Traditional LTC\uff09\u300d\u56e0\u4fdd\u53f8\u8667\u640d\uff0c\u8fd1\u5e74\u9762\u81e8\u4fdd\u8cbb\u96a8\u6642\u53ef\u80fd\u66b4\u6f32\u3001\u4e14\u300c\u4e0d\u7528\u5373\u4f5c\u5ee2\uff08Use it or lose it\uff09\u300d\u7684\u5f0a\u7aef\uff0c\u5c0e\u81f4\u8a31\u591a\u6d88\u8cbb\u8005\u671b\u800c\u537b\u6b65\u3002\u73fe\u4ee3\u8ca1\u5bcc\u7ba1\u7406\u66f4\u50be\u5411\u65bc\u63a1\u7528\u65b0\u578b\u7684\u300c\u8cc7\u7522\u578b\/\u6df7\u5408\u578b\u9577\u7167\u4fdd\u96aa\u300d\uff08Hybrid\/Asset-Based LTC\uff09\uff0c\u5373\uff1a<strong>\u5e36\u6709\u9577\u671f\u8b77\u7406\u9644\u52a0\u689d\u6b3e\uff08<\/strong><strong>LTC Rider<\/strong><strong>\uff09\u7684\u7d42\u8eab\u58fd\u96aa<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9019\u7a2e\u5275\u65b0\u5de5\u5177\u5177\u5099\u4e09\u5927\u7d55\u5c0d\u512a\u52e2\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u6d3b\u8457\u7528\u9577\u7167\uff0c\u8eab\u6545\u7559\u907a\u7522\uff1a<\/strong> \u7576\u88ab\u4fdd\u96aa\u4eba\u56e0\u5931\u667a\uff08\u5982\u963f\u8332\u6d77\u9ed8\u75c7\uff09\u6216\u7121\u6cd5\u81ea\u884c\u5b8c\u6210\u516d\u9805\u57fa\u672c\u751f\u6d3b\u8d77\u5c45\uff08\u6d17\u6fa1\u3001\u7a7f\u8863\u3001\u5982\u5ec1\u3001\u9032\u98df\u3001\u79fb\u52d5\u3001\u5931\u7981\uff09\u4e2d\u7684\u4efb\u4f55\u5169\u9805\u6642\uff0c\u5373\u53ef\u63d0\u65e9\u9810\u652f\u58fd\u96aa\u7684\u8eab\u6545\u7406\u8ce0\u91d1\u4f86\u652f\u4ed8\u6bcf\u6708\u7684\u770b\u8b77\u8cbb\u7528\u3002\u82e5\u4e00\u751f\u5e73\u5b89\u672a\u66fe\u751f\u75c5\uff0c\u9019\u7b46\u7406\u8ce0\u91d1\u5247\u6703\u5168\u984d\u4f5c\u70ba\u514d\u7a05\u907a\u7522\u50b3\u627f\u7d66\u5b50\u5b6b\uff0c\u7d55\u4e0d\u6d6a\u8cbb\u4fdd\u8cbb\u3002<\/li>\n\n\n\n<li><strong>\u9396\u5b9a\u4fdd\u8cbb\uff0c\u544a\u5225\u60e1\u6027\u4e0a\u6f32\uff1a<\/strong> \u6df7\u5408\u578b\u4fdd\u96aa\u591a\u63a1\u7528\u56fa\u5b9a\u4fdd\u8cbb\u5236\uff08\u5982 10 \u5e74\u8e89\u7e73\u6216\u7e73\u81f3 65 \u6b72\uff09\uff0c\u4fdd\u53f8\u5728\u5408\u7d04\u6210\u7acb\u5f8c\u7121\u6b0a\u55ae\u65b9\u9762\u8abf\u9ad8\u4fdd\u8cbb\uff0c\u8b93\u9000\u4f11\u8ca1\u52d9\u898f\u5283\u5177\u5099\u9ad8\u5ea6\u7684\u53ef\u9810\u6e2c\u6027\u3002<\/li>\n\n\n\n<li><strong>\u7f8e\u5143\u8cc7\u7522\u5c0d\u6c96\u8207\u7a05\u6536\u512a\u60e0\uff1a<\/strong> \u6839\u64da\u7f8e\u570b\u570b\u7a05\u5c40\uff08IRS\uff09IRC Section 101(g) \u898f\u5b9a\uff0c\u7b26\u5408\u8cc7\u683c\u7684\u9577\u7167\u4fdd\u96aa\u7406\u8ce0\u91d1\u5728\u806f\u90a6\u5c64\u9762\u901a\u5e38\u662f\u514d\u7a05\u7684\uff0c\u9019\u70ba\u9ad8\u6536\u5165\u7684\u7063\u5340\u5bb6\u5ead\u63d0\u4f9b\u4e86\u6975\u4f73\u7684\u7a05\u52d9\u5e87\u8b77\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u820a\u91d1\u5c71\u7063\u5340\uff0c\u4e00\u4efd\u5c0a\u56b4\u7684\u8001\u5e74\u751f\u6d3b\uff0c\u53d6\u6c7a\u65bc\u60a8\u5728\u5c1a\u672a\u8b8a\u8001\u6642\u6240\u505a\u7684\u6c7a\u5b9a\u3002\u9762\u5c0d\u6bcf\u5e74\u8d85\u904e 10 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Area\uff09\u5c45\u6c11\u800c\u8a00\uff0c\u9000\u4f11\u5f8c\u7684\u91ab\u7642\u8207\u770b\u8b77\u958b\u92b7\uff0c\u5f80\u5f80\u662f\u541e\u566c\u7562\u751f\u7a4d\u84c4\u7684\u6700\u5927\u96b1\u5f62\u6bba\u624b\u3002\u5982\u4f55\u5728\u9019\u7247\u5168\u7f8e\u751f\u6d3b\u6210\u672c\u6700\u9ad8\u7684\u5340\u57df\uff0c\u70ba\u81ea\u5df1\u8207\u5bb6\u4eba\u6253\u9020\u4e00\u4efd\u517c\u5177\u5c0a\u56b4\u8207\u8ca1\u52d9\u5b89\u5168\u611f\u7684\u9577\u7167\u9632\u8b77\u7db2\uff1f\u9019\u9700\u8981\u7cbe\u6e96\u7684\u5e02\u5834\u8a8d\u77e5\u8207\u524d\u77bb\u6027\u7684\u91d1\u878d\u5de5\u5177\u5e03\u5c40\u3002 \u95dc\u9375\u8b66\u8a0a\uff1a \u820a\u91d1\u5c71\u7063\u5340\uff08\u5305\u542b\u77fd\u8c37\u8207\u4e2d\u534a\u5cf6\uff09\u7684\u5c08\u696d\u5c45\u5bb6\u770b\u8b77\uff08Home Health Aide\uff09\u8cbb\u7528\uff0c\u76ee\u524d\u6bcf\u5e74\u5df2\u8f15\u9b06\u7a81\u7834 $100,000 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Care\uff09\uff0c\u5982\u6d17\u6fa1\u3001\u7a7f\u8863\u6216\u9032\u98df\u7b49\u3002\u82e5\u8981\u4f9d\u8cf4\u52a0\u5dde\u91ab\u7642\u88dc\u52a9\uff08Medi-Cal\uff09\uff0c\u5247\u5fc5\u9808\u5c07\u500b\u4eba\u5be6\u8cea\u8cc7\u7522\u964d\u4f4e\u81f3\u8fd1\u4e4e\u8ca7\u56f0\u7684\u6c34\u5e73\u3002\u56e0\u6b64\uff0c\u81ea\u8cbb\u6216\u4f9d\u8cf4\u5546\u696d\u4fdd\u96aa\u6210\u70ba\u7d55\u5927\u591a\u6578\u7063\u5340\u5bb6\u5ead\u7684\u552f\u4e00\u9078\u64c7\u3002 \u7531\u65bc\u7063\u5340\u4eba\u529b\u6210\u672c\u6975\u9ad8\uff0c\u4e0d\u8ad6\u662f\u9078\u64c7\u8b93\u770b\u8b77\u7dad\u6301\u5bb6\u5ead\u5167\u90e8\u65e5\u5e38\u904b\u4f5c\u7684\u300c\u5c45\u5bb6\u770b\u8b77\u300d\uff0c\u6216\u662f\u5165\u4f4f\u300c\u8f14\u52a9\u751f\u6d3b\u793e\u5340\uff08Assisted Living Facility\uff09\u300d\uff0c\u5176\u958b\u92b7\u90fd\u6975\u70ba\u9a5a\u4eba\u3002\u4ee5\u4e0b\u70ba\u8fd1\u5e74\u7063\u5340\u6838\u5fc3\u5340\u57df\u7684\u5e73\u5747\u7167\u8b77\u6210\u672c\u4f30\u7b97\uff1a \u5c45\u5bb6\u770b\u8b77\uff08\u6bcf\u9031 44 \u5c0f\u6642\uff09\uff1a \u6bcf\u6708\u7d04 $8,500 - $9,500 \u7f8e\u5143 \/ \u6bcf\u5e74\u7d2f\u7a4d\u7d04 $102,000 - $114,000 \u7f8e\u5143\u3002 \u8f14\u52a9\u751f\u6d3b\u793e\u5340\uff08Assisted Living - \u55ae\u4eba\u623f\uff09\uff1a \u6bcf\u6708\u7d04 $7,000 - $8,500 \u7f8e\u5143 \/ \u6bcf\u5e74\u7d2f\u7a4d\u7d04 $84,000 - $102,000 \u7f8e\u5143\u3002 \u5c08\u696d\u7642\u990a\u9662\uff08Nursing Home - \u7368\u7acb\u55ae\u9593\uff09\uff1a \u6bcf\u6708\u7d04 $13,000 - $15,000 \u7f8e\u5143 \/\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/newsforchinese.com\/v3\/2026\/06\/20\/%e9%bb%83%e9%87%91%e5%8d%81%e5%b9%b4%e7%9a%84%e9%95%b7%e6%9c%9f%e8%ad%b7%e7%90%86%e4%bf%9d%e9%9a%aa%e8%a6%8f%e5%8a%83%e7%ad%96%e7%95%a5\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/06\/\u9ec3\u91d1\u5341\u5e74\u7684\u9577\u671f\u8b77\u7406\u4fdd\u96aa\u898f\u5283\u7b56\u7565.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/06\/\u9ec3\u91d1\u5341\u5e74\u7684\u9577\u671f\u8b77\u7406\u4fdd\u96aa\u898f\u5283\u7b56\u7565.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t\t<meta property=\"og:image:height\" content=\"352\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-06-20T13:05:00+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-06-14T05:18:09+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u9ec3\u91d1\u5341\u5e74\u7684\u9577\u671f\u8b77\u7406\u4fdd\u96aa\u898f\u5283\u7b56\u7565 - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta name=\"twitter:description\" content=\"\u96a8\u8457\u91ab\u7642\u6280\u8853\u7684\u9032\u6b65\u8207\u5e73\u5747\u58fd\u547d\u7684\u5ef6\u9577\uff0c\u8001\u9f61\u5316\u793e\u6703\u7684\u7167\u8b77\u9700\u6c42\u5df2\u6210\u70ba\u6bcf\u500b\u4eba\u7121\u6cd5\u8ff4\u907f\u7684\u8ca1\u52d9\u8ab2\u984c\u3002 \u7279\u5225\u662f\u5c0d\u65bc\u5c45\u4f4f\u5728\u7f8e\u570b\u9ad8\u7269\u50f9\u3001\u9ad8\u5de5\u8cc7\u9802\u9ede\u7684\u820a\u91d1\u5c71\u7063\u5340\uff08Bay Area\uff09\u5c45\u6c11\u800c\u8a00\uff0c\u9000\u4f11\u5f8c\u7684\u91ab\u7642\u8207\u770b\u8b77\u958b\u92b7\uff0c\u5f80\u5f80\u662f\u541e\u566c\u7562\u751f\u7a4d\u84c4\u7684\u6700\u5927\u96b1\u5f62\u6bba\u624b\u3002\u5982\u4f55\u5728\u9019\u7247\u5168\u7f8e\u751f\u6d3b\u6210\u672c\u6700\u9ad8\u7684\u5340\u57df\uff0c\u70ba\u81ea\u5df1\u8207\u5bb6\u4eba\u6253\u9020\u4e00\u4efd\u517c\u5177\u5c0a\u56b4\u8207\u8ca1\u52d9\u5b89\u5168\u611f\u7684\u9577\u7167\u9632\u8b77\u7db2\uff1f\u9019\u9700\u8981\u7cbe\u6e96\u7684\u5e02\u5834\u8a8d\u77e5\u8207\u524d\u77bb\u6027\u7684\u91d1\u878d\u5de5\u5177\u5e03\u5c40\u3002 \u95dc\u9375\u8b66\u8a0a\uff1a \u820a\u91d1\u5c71\u7063\u5340\uff08\u5305\u542b\u77fd\u8c37\u8207\u4e2d\u534a\u5cf6\uff09\u7684\u5c08\u696d\u5c45\u5bb6\u770b\u8b77\uff08Home Health Aide\uff09\u8cbb\u7528\uff0c\u76ee\u524d\u6bcf\u5e74\u5df2\u8f15\u9b06\u7a81\u7834 $100,000 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Care\uff09\uff0c\u5982\u6d17\u6fa1\u3001\u7a7f\u8863\u6216\u9032\u98df\u7b49\u3002\u82e5\u8981\u4f9d\u8cf4\u52a0\u5dde\u91ab\u7642\u88dc\u52a9\uff08Medi-Cal\uff09\uff0c\u5247\u5fc5\u9808\u5c07\u500b\u4eba\u5be6\u8cea\u8cc7\u7522\u964d\u4f4e\u81f3\u8fd1\u4e4e\u8ca7\u56f0\u7684\u6c34\u5e73\u3002\u56e0\u6b64\uff0c\u81ea\u8cbb\u6216\u4f9d\u8cf4\u5546\u696d\u4fdd\u96aa\u6210\u70ba\u7d55\u5927\u591a\u6578\u7063\u5340\u5bb6\u5ead\u7684\u552f\u4e00\u9078\u64c7\u3002 \u7531\u65bc\u7063\u5340\u4eba\u529b\u6210\u672c\u6975\u9ad8\uff0c\u4e0d\u8ad6\u662f\u9078\u64c7\u8b93\u770b\u8b77\u7dad\u6301\u5bb6\u5ead\u5167\u90e8\u65e5\u5e38\u904b\u4f5c\u7684\u300c\u5c45\u5bb6\u770b\u8b77\u300d\uff0c\u6216\u662f\u5165\u4f4f\u300c\u8f14\u52a9\u751f\u6d3b\u793e\u5340\uff08Assisted Living Facility\uff09\u300d\uff0c\u5176\u958b\u92b7\u90fd\u6975\u70ba\u9a5a\u4eba\u3002\u4ee5\u4e0b\u70ba\u8fd1\u5e74\u7063\u5340\u6838\u5fc3\u5340\u57df\u7684\u5e73\u5747\u7167\u8b77\u6210\u672c\u4f30\u7b97\uff1a 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\/","twitter:image":"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/06\/\u9ec3\u91d1\u5341\u5e74\u7684\u9577\u671f\u8b77\u7406\u4fdd\u96aa\u898f\u5283\u7b56\u7565.jpg"},"aioseo_meta_data":{"post_id":"297368","title":null,"description":null,"keywords":null,"keyphrases":{"focus":{"keyphrase":"","score":0,"analysis":{"keyphraseInTitle":{"score":0,"maxScore":9,"error":1}}},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":{"faqs":[],"keyPoints":[],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":[],"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-06-14 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2013","format":false,"excerpt":"\u806f\u5408\u5065\u5eb7\u4fdd\u96aa\u5ba3\u5e03\u6350\u6b3e$897,000\u7d66\u5b89\u6a02\u5c45(On Lok Lifeways)\uff0c \u4f01\u76fc\u7d66\u4e88\u820a\u91d1\u5c71\u7063\u5340\u9577\u8005\u66f4\u591a\u7684\u95dc\u61f7\u8207\u7167\u9867 \u00a0 \u6350\u6b3e\u6d88\u606f\u5c07\u5728\u5b89\u6a02\u5c45\u6625\u5b63\u7fa9\u5de5\u65e5(On Lok\u2019s Spring Volunteer Day)\u4e0a\u5ba3\u4f48\uff0c\u6d3b\u52d5\u7576\u65e5\u5c07\u6709\u9577\u8005\u5011\u53ca\u806f\u5408\u5065\u5eb7\u4fdd\u96aa\u7684\u4ee3\u8868\u5011\u4e00\u540c\u683d\u5efa\u852c\u679c\u82b1\u5712\u3002 \u806f\u5408\u5065\u5eb7\u4fdd\u96aa\u5c07\u5ba3\u4f48\u64a5\u6b3e$897,000\u7d66\u975e\u71df\u5229\u6a5f\u69cb\u5b89\u6a02\u5c45\uff0c\u76fc\u80fd\u5354\u52a9\u7063\u5340\u9577\u8005\u7372\u5f97\u66f4\u591a\u7684\u95dc\u61f7\u8207\u7167\u9867\u3002\u9019\u4e9b\u8cc7\u91d1\u5c07\u7528\u4f86\u52a0\u5f37\u5b89\u6a02\u5c45\u7684\u201cPACELink\u201d\u8a08\u5283\u3002\u6b64\u8a08\u5283\u63d0\u8b70\u904b\u7528\u5065\u5eb7\u8cc7\u8a0a\u6280\u8853\u8207\u96fb\u5b50\u75c5\u6b77\u7684\u7d50\u5408\uff0c\u70ba\u820a\u91d1\u5c71\u7063\u5340\u975e\u71df\u5229\u7d44\u7e54\u7db2\u7d61\u5167\u5341\u500b\u5065\u4fdd\u548c\u798f\u5229\u4e2d\u5fc3\u6240\u670d\u52d9\u7684\u9577\u8005\u5011\u6539\u5584\u4e26\u6574\u5408\u7167\u8b77\u3002 \u00a0 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Edmondson\u8aaa\uff1a\u300c\u80fd\u5920\u8207\u7063\u5340\u6700\u5177\u5949\u737b\u548c\u5275\u65b0\u7cbe\u795e\u7684\u4e00\u4e9b\u5408\u4f5c\u5925\u4f34\u5171\u4e8b\uff0c\u6211\u5011\u771f\u5fc3\u611f\u5230\u69ae\u5e78\u3002\u5982\u679c\u6c92\u6709\u50cfUnitedHealthcare\u548cAvenidas\u9019\u6a23\u7684\u7d44\u7e54\u6216\u50cfRuth\u9019\u6a23\u7684\u5fd7\u5de5\u652f\u6301\uff0c\u6211\u5011\u80af\u5b9a\u7121\u6cd5\u63d0\u4f9b\u9ad8\u6c34\u6e96\u7684\u670d\u52d9\uff0c\u6b63\u662f\u9019\u4e9b\u670d\u52d9\u4f7fOn Lok\u6210\u70ba\u8001\u5e74\u4eba\u91ab\u7642\u4fdd\u5065\u7684\u5168\u570b\u9818\u8896\u3002\u300d UnitedHealthcare\u9577\u671f\u4ee5\u4f86\u4e00\u76f4\u662fOn Lok\u7684\u793e\u5340\u5408\u4f5c\u5925\u4f34\uff0c\u8d0a\u52a9\u5404\u7a2e\u6d3b\u52d5\uff0c\u4e26\u7a4d\u6975\u5fd7\u9858\u53c3\u8207\u4e00\u4e9b\u9020\u798f\u65bcOn 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