Should you get long term care insurance?
长期护理pp王者电子官网政策有助于支付与慢性病患者的护理相关的费用, disabilities and disorder.
很可能在你生活中的某个时刻，你会在日常活动中需要帮助. In fact, LongTermCare.gov 据估计，65岁以上的人中有70%最终需要长期护理, whether in a home setting, a senior living community or a nursing home.
Long term care insurance differs from disability insurance 因为它可以帮助支付日常活动的费用，例如:
- Getting in and out of bed
- Bathing
- Getting dressed
- Using the toilet
- Eating
It may help you preserve your financial resources. 如果你考虑购买pp王者电子官网，只需遵循一些指导方针，并牢记这些因素.
Why do I need long term care insurance?
长期护理pp王者电子官网政策有助于支付与护理相关的费用 care of individuals with disabilities慢性疾病，如阿尔茨海默病. 在大多数情况下，保单会报销您在以下地点接受的治疗:
- Your home
- A nursing home
- An adult day care center
- An assisted living facility
In most cases, this allows for:
- The protection of savings. 自己支付日常护理费用会很快耗尽你的退休储蓄. 长期护理政策有助于抵消与所需的额外护理相关的成本.
- More choices of care. 医疗补助计划可能不支付辅助生活费用——这因州而异. 长期护理政策有助于抵消这些设施的成本.
When should I get a long-term care policy?
在你需要长期护理pp王者电子官网之前，好好看看它. 你等待购买pp王者电子官网的时间越长，你的初始保费可能就越高. 此外，如果你等待，你可能有健康问题，可能会使你失去获得pp王者电子官网的资格. While there's no right age to buy, the American Association for Long term Care Insurance 据估计，超过一半的长期护理保单是由55岁至65岁的人购买的. 长期护理保单的费率通常包括:
- Your age and health: 随着年龄的增长，你通常会有更多的健康问题，这可能会增加你的保费.
- Gender: 女性通常比男性寿命长，这增加了长期护理索赔的机会.
- Marital status: 已婚夫妇的保费通常低于单身人士.
- Amount of coverage: Additional coverage options, 比如提高每日和终身福利的上限, 调整生活费用以防止通货膨胀, shorter elimination periods, might increase the premium.
How do I find a long term care policy?
Coverage and cost vary, 因此，根据你想要的pp王者电子官网范围，货比三家，选择一个合理负担得起的pp王者电子官网计划, rather than choosing the first one you find.
Compare features
It's not always easy to evaluate plans. Compare these key features:
- Benefit trigger: pp王者电子官网公司用来决定你的保单何时生效的标准.
- Elimination period: 在你开始领取福利之前，你将自掏腰包支付的天数. 对于许多长期护理计划来说，30天是最低的排除期.
- Daily benefits: The amount the policy will pay on a daily basis. Some plans pay benefits based on the hours of service, 比如家庭健康助理拜访你家的时间.
- Inflation adjustment: 这个功能可以帮助你的福利跟上不断上涨的成本.
- Types of services: 说明每个计划涵盖的内容，以及您可以在家中或辅助生活住宅中接受这种护理, adult day care facility, nursing home or other setting.
- Duration of benefits: 你将获得福利的时间长度，从几年到你的一生.
- Exclusions: 规定的福利不包括的条件或行为. 这些可能包括酗酒或危险行为引起的疾病.
Learn more about long term care insurance from LongTermCare.gov.
