S*******s
发帖数: 10098 | 1 意外事故发生， 或者病了， 老了， 就需要被人护理。
一个客户放弃了美国籍搬去澳大利亚定居， 留下他的太太一个人在美国，她老年痴呆
， 老头留下房子给她， 他自己住国外，还找了2个专业经理帮他投资退休金，他也不
是巨富。通常还没他这么富裕的家庭， 一旦夫妇中有一个人的的脑子和身体技能开始
退化，无法维持日常功能，只能把一辈子积累的资产卖掉， 去支付他/她的护理需要，
而另外一个老伴就没钱生活了。should a long term care need arise你不再能够
fully independent，怎样保护你的资产和独立生活能力？为了防止资产被花光 a long
term care insurance is one option.This type of coverage may help you
maximize your independence.
别以为现在你还年轻，不需要考虑长期护理，护理不光是因为年老的需要， 还是伤残
后的需要，几乎30%的45多岁美国人买了长期护理保险，long-term care insurance
policy.
当你快要50岁时，也许保鲜公司就不乐意卖护理保险给你了。 你50岁时，拜访医生的
机率就开始上升，it almost never gets better (even if you diet and exercise).
需要服用的药物慢慢增多起来，chances are that you leave your doctor's office
with some new prescription in hand. 服药也让你活的长些，但是这些医疗记录和健
康状况使你的年老护理保险变得很贵，或不够资格买它 make it harder or even
impossible for
you to health qualify for long-term care insurance.
2010年被保险公司拒绝的/接受的case(American Association
for Long-Term Care Insurance 2010 Sourcebook)：
从50岁到59岁被拒的14%
从60岁到69岁被拒绝的23%
they did not qualify for the insurance they applied for
从40岁到49岁被接受的62%，
从50岁到59岁被接受的46%， 这个年龄段一半多人被拒绝了。
从60岁到69岁接受的占38%
Costs increase on your birthday. The annual rate increases are generally 2-
4percent in your 50s but start to be 6% to 8% per-year in your 60s.
平均费用 （http://www.kappadelta.org/assets/1280/Long-Term_Care_facts.pdf）
• The average daily cost for a private room in a nursing home is $213,
or 一年7万8千美金
• The average daily cost for a semi-private room in a nursing home is
$189, or一年6万9千美金
• The average monthly cost of living in an assisted living facility is
$2,969, or $35,628 annually.
• The average monthly cost of living in a not-for-profit Continuing
Care Retirement Community is $2,672, or $32,064 annually.
• The average monthly rate for assisted living facilities that charge
additional feesfor Alzheimer’s and dementia 老年痴呆care is $4,270, or
$51,240 annually.
• To move into a community, individuals must also pay an entry fee
ranging from $60,000 to $120,000.首付6万到12万才能入住。
• The average hourly rate for a certified home health aide is $32.37.
• The average hourly rate for a uncertified home health aide is $19.00.
• The national average daily rate for adult day centers
• The national average hourly rate for homemakers/companions is $18
谁支付老年护理？
• Nearly 40 percent of long-term care spending is paid for by private
funds.
• Medicare, which covers rehabilitation services after an individual
is discharged from a hospital, pays for 19 percent of all long-term care
spending.
• Medicaid, which covers health care costs for low-income individuals,
pays for 49 percent of all long-term care spending.
哪些人被长期护理？
• There are more than 1.4 million nursing home residents in the United
States.
• An individual's average age when he or she moves into a nursing home
is 79.
• Women are almost three times as likely to live in nursing homes than
men.
• More than 900,000 individuals live in assisted living residences.
• More than 150,000 individuals receive care and services at an adult
day center.
• There are more than 1.1 million seniors in some type of senior
housing
community in the United States.
• There are approximately 745,000 older adults who live in continuing
care
retirement communities in the United States.
• The average age of an individual moving into a continuing care
retirement
community is 78.
• Nearly 1.4 million individuals receive home health services.
• The average lifetime nursing home use per individual is one year,
and the averagehome care use is a little over 200 visits.
保险支付的护理服务有哪些？What is covered by long term care insurance?
A long term care insurance policy may help you pay for the care needed when
you are unable to do everyday activities such as eating, getting dressed,
bathing, maintaining continence and getting in and out of bed without
assistance.
The goal for long term care services is to provide assistance
and improve the quality of life for those with chronic, long-term conditions
or severe cognitive impairment, such as Alzheimer’s disease.
A comprehensive long term care insurance policy may provide coverage for
long term care needs in the home, community-based settings, an assisted
living facility or nursing home.
麻省费用
Massachusetts Assisted Living Cost 2011( low high average):
Boston $1,925 $6,400 $4,694
Worcester Area $3,955 $5,456 $4,629
Rest of State $2,850 $6,357 $4,618
Home health Aid Cost/ hour
Massachusetts (MA) 18 $38 $24
Boston Area $22 $38 $25
Worcester Area $19 $30 $23
Rest of State $18 $32 $24
Homemaker Cost
Massachusetts (MA) $18 $30 $22
Boston Area $19 $24 $22
Worcester Area $19 $30 $23
Rest of State $18 $30 $22
Average cost of Nursing Home Semi-privat Room Care
Massachusetts (MA) $250 $400 $327
Boston Area $275 $385 $334
Worcester $250 $385 $321
Rest of State $272 $400 $327
Average cost of Nursing Home Privat Room Care
Massachusetts (MA) $250 $450 $350
Boston Area $300 $435 $356
Worcester $250 $425 $333
Rest of State $295 $450 $357 | S*******s
发帖数: 10098 | 2 The following scenarios use real rates (2010).
American Association of Long-term care insurance 网页举了一个真实的例子
你在55岁时， 每年只花了$1,084 买就可买到标准的3年期限的护理benefit，大约每天
支付$150块， because you qualify for the preferred health discount (spousal
discount too).50岁之后，大多数人的健康开始走下坡路, 因此买长期护理越来越贵，
you'll pay more if you wait.
随着物价飞涨，长期护理的费用也跟着涨高，So, by age 65, the $172,600 benefit
you bought at age 55 -- will have grown in benefit value to $276,000.过去你
55岁时买的长期护理$172k,现在10年后相当于$276k的价值。
如果现在买$276k长期护理，每年则需要花$3,275才能买到， 因为65岁时的健康已
经不属于“preferred health discount”了。 Someone age 65 (today) would pay $
3,275 for $276,000 in coverage because it's very unlikely they will still
qualify for that good health discount.
And that reflects today's rates. Chances are rates will rise. So, the 55
year old who waits for the 10 years will pay even more.
等待是有代价的。此外，在你犹豫观望期间，一旦出现意外， 引起你伤残而需要护理
的时候， 你就得自掏腰包了。大多数人在70岁， 80岁的时候需要护理， 有些人在50
岁， 60岁的时候就需要它了。 | S*******s
发帖数: 10098 | 3 美国法律不允许安乐死， 好像中国也不允许。见证过家人忍受癌症晚期的
痛苦治疗（其实是折磨），本人非常赞同晚期病人要求的安乐死。
有人想回国养老，因为那里护工便宜，可是在国内太拥挤，去一趟医院路上用掉3，4个
小时，老人病痛身体弱，说不定半路就见了马克思。 还不敢吃那边的东西，什么都敢
造假。 我参加一个德国公司外派的华人女子讲座，她从国内逃回来了， 说毒米， 毒
香肠，病毒肉。。。 空气也是很糟糕， 看不清蓝天白云了， 老来肺部有病的还是不
要回去，不敢生活下去。
国内现在请保姆都怕被她们拐卖儿童，老人的话，怕被偷抢虐待。
其实， 美国和欧洲国对老人更好，医疗设施就近， 生活环境清新。 最好在健康还不
错的时候2边走走， 病了就在美国等死。
有一点还没彻底弄清楚， 这长期护理通常要买几年呢？手术的话，康复期可以是半年
， 但是aging related 海默氏， 帕金森症就不知道会有多少年了。 同事说了一个真
实故事， 说一老太太已经有人护理快3年了，当初买的就是3年期的护理保险， 3年期
满后，要是继续呆在特护房，就没有保险cover特护了， 那么还需要自己掏多少年？
等我去查查有没有统计数据。 |
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