Ingakanani Inkonzo Yengqesho Yesikhathi Eside I-inshurensi Intlawulo kunye nexesha lokuyithenga

Kungakhathaliseki ubudala, kufuneka uhlawule iindleko zokunyamekelwa kwexesha elide ngoku

Ngokutsho kweSebe lezeMpilo leSebe lezeMpilo yase-United States, abaneminyaka engama-65 ubudala namhlanje banamava angama-70 okufuna uncedo oluthile lwexesha elide njengoko bekhula. Baphinda babike ukuba nangona enye yesithathu yabantwana abaneminyaka engama-65 ubudala abanakuze ifune ukunakekelwa kwexesha elide okanye uncedo oluphilileyo, umntu omnye kwabahlanu uya kuyidinga iminyaka engaphezu kwemihlanu , ibe ngama-20 ekhulwini.

Ukuba sisebenzisa le ngcaciso, ukuhlawula iminyaka emihlanu yokuncediswa okanye ukunyamekela kwexesha elide okanye izindlu zingabiza kakhulu.

Enye i-statistic enye eyamangalisa kukuba:

Iipesenti ezi-8 zabantu abaphakathi kweminyaka engama-40 no-50 ubudala, banokukhubazeka okunokufuna iinkonzo zonyango lwangexesha elide

Ngexesha apho abaninzi abanomhlala-phantsi bexhaswa ngemali ngokupheleleyo, kuhlawulela ukujonga iinketho zokunyamekelwa kwexesha elide kwaye ziphi na iindleko ezibandakanyekayo kwiCandelo leNkxaso-mali yeNkxaso Yesikhashana, kungakhathaliseki ubudala. Ukuba neenyaniso kunokukugcina imali yesikhathi eside, kwaye kukunceda ukuba ufikelele kwisicwangciso sezemali ukufumana amaxesha obunzima.

Kutheni ufumana inshorensi yonyango elide? Ngaba uyayidinga ngempela?

Akukho mntu uyazi ukuba uya kufuna uncedo lwengonyama yangexesha elide, ngendlela efanayo, awazi ukuba uya kufuna i-inshorensi yasekhaya ngokuba okanye ngomlilo. Nangona kunjalo, iinani libonisa ukuba kunye nabantu bethu abakhulileyo kubangelwa ngabanye abantu abancinci baya kufuna uncedo oluthile lokunyamekela kwexesha elide, ngoko umbuzo ungakumbi malunga nokunyamekela kwakho ixesha elide ukuba imeko ivela, kwaye uzimisele kangakanani Ngaba ubeka ingozi?

Ngaba urhulumente uya kuhlawula ukunyamekelwa kwexesha elide?

Abanye abantu bakholelwa ukuba akudingeki bakhathazeke ngokunyamekelwa kwexesha elide kuba urhulumente angahlawula ezo nkonzo. Oku kungalunganga.

Urhulumente uya kuhlawula kuphela ukunyamekelwa kwexesha elide phantsi kweemeko ezithile kwaye ukukhawulelwa kungaphelelanga ngokubhekiselele kwiimfuno ezithile kunye neemeko.

Ngokomzekelo, i-Medicare inokuhlawula ukunyamekelwa kwexesha elide ukuya kwiintsuku ezili-100 kwiinkonzo ezinezakhono okanye ukunakekelwa kokuvuselela ekhaya. Kunqongophele kakhulu, kwaye i-statistically, umyinge ogqityiweyo ohlala kwi-Medicare iintsuku ezingama-22. I-Medicaid inikezela ngogqirha, kodwa ukuze ukwazi ukufumana iMediicaid, kufuneka uwele kwizinga elithile eliphantsi lokufumana imali. Kweminye imimandla ethile, kunokubakho inqaku kulabo abafanelekayo phantsi koMthetho we- Older Americans okanye imigaqo echazwe liSebe leMantloko . Ngaphandle kweenkqubo ezinjengezi, ezithintele iinkqubo ezifumana kuphela abantu abathile, abantu baninzi bafuneka baye kwi- inshurensi yempilo yabucala ukuze bafumane uncedo ngeendleko zonyango elide.

Iyintoni inshuwalense yexesha elide?

Inkonzo yomshuwalense wexesha elide (i-LTC Intshuwalense) ikunika inzuzo xa uxhomekeke kwinkathalo yomntu okanye ufuna uncedo kwimisebenzi yokuphila eyintloko kunye neemfuno ngenxa yokugula.

Isizathu sokunakekelwa kwexesha elide singasigulo esingapheliyo, isigulo esingasigxina, isifo esiyingozi, okanye enye imeko yonyango efuna ukuba ufumane ukunakekelwa kwasekhaya okanye ufumane unyango kwiziko lokunakekelwa ngoncedo okanye ixesha elide.

Ingeniso engenayo oyifumanayo ingasetyenziselwa ukuhlawula ukunyamekelwa kwexesha elide kwaye iqinisekisa ukuba wena okanye usapho lwakho ufumana uncedo olufunekayo ekunyamekeleni kwakho xa ungeke ukwazi ukubonelela.

Iinkonzo ezifunekayo, kubandakanywa nomnakekeli, ngenxa yesifo esiyingozi kunokubandakanya imisebenzi ye-Daily Living (ADL), ukunakekelwa kwindlu, ukugcinwa kwendlu, iinkonzo zokunonyamekela nokufudukela kwiinkonzo ezizodwa zenkxaso eninzi okanye ezikhoyo zokuhlala.

Ingakanani indleko yonakekelo lwexesha elide?

Nangona iindleko zokunyamekelwa kwexesha elide zihluka ngohlobo lwenkathalo oluyidingayo, kukho ezinye izixhobo ezisekhompyutheni ezinokukunceda ukuba wazi ukuba zininzi iindleko zoKhathalelo kwexesha elide, iGenworth inesixhobo esinika ixabiso elide elide ukunakekelwa kwamanyathelo kunye nolwazi oluthile lwelizwe. Isixhobo esinje sinokukunceda ukuba uqaphele ukuba unokuzihlawula wena, okanye ukuba ufanele uthathe i-inshorensi yexesha elide.

Ingakanani indleko yenkxaso-mali yangexesha elide (LTC)?

Iindleko ze-inshorensi yonyango yexesha elide zihluka kakhulu. Ngaphandle kwimeko efanayo, iindleko onokuzicatshulwa kunye nomthumeli womshuwalense unokuba lukhulu kunomnye.

Ngomshuwalense wexesha elide, ityala kakhulu ukuthenga.

Xa uzama ukugcina imali kwi-inshurensi yezempilo, indlela efanelekileyo kukukwenza uphando lwakho, ungasindisa amakhulu ama-dollar ngonyaka osebenza kumawaka eedola ngaphaya kwexesha. Ukufumana umthengisi we-inshurensi yempilo engakunceda ukuba ukhethe ukukhetha. Umthengisi akakwazi ukujonga kuphela iinkampani ezininzi ze-inshorensi kodwa uya kuphinda ahlaziye iinketho zakho zokufumana i- inshorensi yempilo kwaye mhlawumbi uhlanganise ipakethi eya kujongana nemfuno ezininzi kwiinshurensi yezempilo. Baya kuba nako ukuchaza ngokucacileyo ukuba zeziphi iinketho ezahlukeneyo kunye neemeko ezisemgangathweni.

Ixabiso lentengo lisebenza njani kwi-inshorensi yonyango elide?

Njengokuba kukho enye inshuwalense yangasese, umniki-nkonzo ngamnye we-inshurensi we-LTC uza kubeka amaxabiso abo ngokusekelwe kumava abo alahlekileyo kunye nokubhala phantsi . Iiphakheji ze-LTC ziya kuba nemimiselo eyahlukeneyo kunye neemeko okanye iimfuno.

Imizekelo yeeNkcitho zeNtsholongwane yexesha elide

Le ngcaciso isekelwe kwiinkcukacha ezivela kwi-A merican Association ye-Assurance Term (i- AALTCI), le mizekelo nje ukubonisa ukuhluka kweendleko kwiimeko ezahlukileyo kunye nendlela ukhetho lomthumeli we-inshurensi ye-LTC lunokwenza ngayo umahluko omkhulu.

Kwimeko nganye, kukho umlinganiselo wexabiso malunga ne-$ 1,000 okanye ngaphezulu ngokusekelwe kwinkampani yomshuwalense. Ingasetyenziselwa njengomzekelo omhle wokuba kubaluleke kangakanani ukuthenga iiRhafu zeeNkxaso zeNkxaso zeNkxaso yexesha elide. Ezi zinto zisekelwe kwi-benefits engaphezulu kwimizuzu engama-150 kwixesha elinesithathu lembuyekezo, ziyimimiselo nje, gcinani engqondweni ukuba kuya kufuneka ukuba ufumane izicaphulo zakho ezisekelwe kwimeko yakho, ezi zibonisa kuphela ulwahlulo olunokwenzeka kwixabiso kwaye kukunceda ubone ukuba kutheni ukuthenga ipolisi yinto ebaluleke kakhulu kule ngxelo.

• Umdala 55 - Umntu ongabodwa; Izindleko: I-$ 1,325 ukuya kwi-2,550 yezigidi
• Ubudala obu-55 - Ababini (abaneminyaka engama-55 ubudala, iMpilo ekhethiweyo, iPolisi yabelane); Umlinganiselo weendleko: i-$ 2,085 ukuya kwii-3,970 zamaRandi
• Ubudala obu-55 - Ababini (abaneminyaka engama-55 ubudala, iMpilo yeMpilo); Umlinganiselo weendleko: i-$ 1,985 ukuya kwii-3,970 zamaRandi
• Ubudala obu-60 - amaqabane (eminyaka engama-60 ubudala, iMpilo ekhethiweyo, umgaqo-nkqubo wabelane); Umlinganiselo weendleko: i-$ 2,605 ukuya kuma-4,935

Ngaba i-inshorensi yokukhathalela ixesha elide ixabisa ngonaphakade?

Intsholongwane yonyango yexesha elide inikezela ukukhawulelwa kwamaxesha athile. Akunakwenzeka ukuba inzuzo iya kuhlawula iindleko "ngonaphakade". Ngako oko, unako ukulawula iindleko ze-inshorensi yakho yenkathalo yesikhatho eside ngokukhetha iiplani ezinexesha elide okanye elifutshane, kunye nokukhetha ubude bexesha oza kuxhomekeka phambi kokuba izibonelelo zikhawule . Siza kuxubusha oku ngakumbi kwiingcebiso ezili-10 kunye nemibuzo yokubuza malunga nokunyamekelwa kwexesha elide apha ngezantsi.

Iingcebiso ezili-10 zokuthenga i-Intanethi yeNkcazo yoKhathalelo elide elide: Uluhlu lwakho lokuhlola uluhlu lwe-LTC

Ekubeni inkampani nganye ye-inshorensi isebenza kunye nemigangatho yabo yokubhala phantsi, kuyakunceda ukuba uhlole uluhlu lwezinto ozozibuza malunga nokuba uyayiqonda into oyithengayo kunye nokuthenga kwi-coverage.

Nazi ezinye iingongoma ezibalulekileyo ukuba ziqwalaselwe xa ukhangele inkampani efanelekileyo yokukugubungela i-LTC:

1. Buza malunga neMisebenzi yemihla ngemihla yokuphila ukuze ufumane ukuhlawula kwezibonelelo, ufuna ukuqonda okokufaneleka ukufumana ingxelo phantsi kwesicwangciso se-LTC ocingayo.
2. Ingaba ikhupha ukukhubazeka kwengqondo, abanye abantu banokukhubazeka kwengqondo, kodwa bakwazi ukwenza iDL. Ngaba isicwangciso okhangeleyo ekuhlawuleleni kula maxesha?
3. Fumana oko kuluhlu lweeMisebenzi zoBomi bemihla ngemihla ezifanelwe kwisicwangciso ngasinye othelekisa. Umzekelo, mhlawumbi kukho umsebenzi wokuphila kwansuku zonke ongenakuyenza, kodwa ngokwemigaqo yomgaqo oyikhethile, ayithathwa njengenye ye-ADL efanelekileyo. I nkampani iya kuthi idinga imisebenzi engaphezu kweyodwa yokuphila kwimihla ngemihla phambi kokuba ufanele ukufumana izibonelelo zakho. Unqwenela ukwazi ukuba yiyiphi imfanelo efanelekileyo ngaphambi kokuba uthenge umgaqo wakho. Akukho ncazelo epheleleyo kumashishini ukuba i-ADL ihlolwa njani , ngoko kubalulekile ukubuza imibuzo kwaye ufumane imizekelo o imeko ye-coverage. Ezinye izibonelo ze-ADL zi: ukuhlamba, ukugqoka, ukujikeleza (ukudlulisela), ukutya. Indlela nganye ichazwe ngayo ingenza umehluko.
4. Buza ukuba kukho ixabiso lemali okanye ukhetho lokukhangela imali xa ungayisebenzisi i-coverage kwaye ukuba umgaqo-nkqubo uhlawula izabelo. Yintoni eyenzekayo xa usweleka kwaye awuzange usebenzise i-coverage?
5. Thelekisa iindleko zokuxhaswa komntu omnye kunye negalelo elibiweyo kunye nomlingane. Le yindlela enhle yokugcina imali. Kule meko zibuze inkcazo epheleleyo yento eyenzekayo kunye nendlela le nzuzo ekwabelwana ngayo isebenza ngayo ukuba bobabini nidinga ukunakekelwa, nxamnye nomnye wenu.
6. Ngaba ii-premiums zanda ngaphezu kwexesha okanye zihlala zihlala zihlala? Ngaba kukho ukukhuselwa kwemali? Ixabiso lemali liyakuthintela izinga lokunyamekela kwexesha elide unakho ukhetho kwisicwangciso othengayo esilathatha oku.
7. Inkokhelo iya kusebenza njani kwibango? Iyintoni inkqubo yebango? Ngaba kukho imali yenyanga okanye yansuku zonke? Yiyiphi imingcele?
8. Yiyiphi iplanzi encedo kakhulu? Iyiphi inani elona likhulu lexesha iintlawulo ezihlawulwayo? Ngokomyinge, umgaqo we-LTC unokubonelela phakathi kweyure ukuya kweyimihlanu yokufikelela. Iipolisi azikwazi ukuba nexesha elingenamkhawulo. Le nto ibalulekileyo ekufuneka uyiqwalasele xa uthelekisa imigaqo-nkqubo. Emva koko, uya kufuna ukwazi ukuba kukho abagibeli abafumanekayo ukunweba ixesha. Ezi nkcukacha zingenza umehluko omkhulu kwizinto ozikhethayo kunye nokuthelekisa indleko.
9. Ngaba kukho ixesha lokulinda? Kude kube nini?
10. Ukuba uthabatha umgaqo-nkqubo ngexesha elide lokulinda, ngaba unamanye amazuzo onokuwufumana ukuba anokukufihla ngexesha lokulinda, njengoMedare okanye ezinye izicwangciso zempilo zabucala?

Ufanele ukuthenga nini i-inshorensi yokunyamekela ixesha elide?

Abantu badla ngokulinda baze bacinge ukuba bafuna into ngaphambi kokuba baqale ukucwangcisa, kwaye ngelishwa, kwimeko ye-inshorensi yexesha elide, le nto ayiyi kusebenza kuyo. I-AALTCI isincomela ukuba iminyaka efanelekileyo yokujonga i-inshorensi yonyango yexesha elide ibe phakathi kweminyaka eyi-52-64.

Enyanisweni, ngokweedatha evela kwi-American Association ye-insured yesikhokelo sexesha elide , izinga lokurhoxiswa kwe-inshorensi yexesha elide lubonakala landa kunye nobudala. Ngoko unokuba ufuna ukujonga izinto ezinokukhawuleza. Inani elikhulayo lokurhoxiswa njengoko uneminyaka ubudala lenza ingqiqo eninzi inokuba i-inshorensi isekelwe kwingozi ekulindelekileyo, kwaye njengoko ufumana imingcele eyongezelelekileyo yonyango kunye neemeko ezinokuthi zifikelele engozi ebangela ukuba kubekho imfuno enkulu -nyango.

Ngubani omele athenge inshorensi yonyango elide ukuze ahlawule iindleko?

Kucacile ukuba, xa ukhathazekile ngekamva lakho kufuneka ucinge ngokuthenga i-inshorensi yonyango elide okanye wena umzali. Nangona kunjalo, kufuneka uqwalasele kwakhona:

• Ukuqinisekisa ukuba unempilo yomshuwalense enempilo kwindawo yokuqala. Iyeza elikhuselayo kwaye uthathe amanyathelo okunyamekela impilo yakho inokukunceda ukuchonga iingxaki ngaphambi kokuba zibe nzima kwiimeko ezininzi.
• Ukuhlola ukuba uneminye imithombo engenako yokufumana ingeniso ukuba unokujika kwiimeko zokunyamekela kwexesha elide. Ngokomzekelo, ngaba sele usenomgaqo-nkqubo womshuwalense wobomi onokukulungele ukuboleka imali ukuba imeko ivela?
• Ngaba unesimo sokuzinyamekela iindleko zokunyamekela kwexesha elide? Ingaba unamalungu entsapho oya kunceda? Ngaba loo malungu entsapho asemandleni ekuncedeni?

Isigqibo sokuthenga unonophelo lwexesha elide kufuneka sihlaziywe njengenxalenye yesicwangciso sakho sexesha elide lezemali. Ingaba uyayidinga okanye awuyiyo ngqo imeko yakho. Unokugqiba emva kokuphonononga kunye nomcwangcisi wezemali okanye umthengisi onokukhetha ukuthotyelwa, okanye unokwenza utshintsho kwezinye izibonelelo zomshuwalense ngenxa yoko uza kukugcina imali.

Ngaba iwaka leminyaka okanye abantu abancinci bathenga i-inshorensi yexesha elide?

Ukuba unomzali ongenakunakekelwa kwangexesha elide kwaye ukhathazeke ukuba xa kukho into eyenzekayo ayinakukwazi ukunyamekela, kufuneka uqikelele ukutshala imali ekuthengeni ixesha elide abazali bakho okanye ukuthetha nabo malunga nalo. Iintsapho zidla ngokubethelela kunzima xa ilungu lentsapho elidala ligula. Ngokwe-Genworth ye-Beyond Dollars icwaninga, i-46 ekhulwini yabanakekeli bathi ukunyamekela kwabo kwathintela impilo yabo nentlalo-ntle.

Ukuba uthathe ikhefu lokungabikho emsebenzini wakho, okanye ungakwazi ukwenza umsebenzi ngenxa yokuba umzali ufuna unyameko unokuthi ikhefu ibe yingxaki yezemali kuwe. Kungakhathaliseki ukuba ugqiba ukuhlawula ukunyamekela, okanye ngenxa yokuba awukwazi ukusebenza ngenxa yoko. Yiba nengxoxo nabazali bakho malunga nento eyenzekayo xa badinga ukunakekelwa kwexesha elide. Ininshurensi inokunceda wonk 'ubani kwintsapho enjengale kwaye mhlawumbi unomdla wokuzijonga ngokwakho ngokucwangcisa phambili nabo.

Ngaba ukhethe ukhathazeka ngokugula okanye ukhathalelo lwexesha elide?

Abantu abancinci banokucinga ngokuthenga i-inshorensi yokugula engundoqo njengenye indlela yokuNakekelwa kwexesha elide xa bebancinci, kwaye kwezinye iimeko, umniki-inshorensi okhuseleyo unokunika ithuba lokuguqula i-inshorensi yokugula ebalulekileyo ekunyamekelweni kwexesha elide xa udala kuma-50s okanye ama-60s ngaphandle kokuthatha uvavanyo lwezokwelapha. Akunabo bonke abagulisayo abagulane nabo abakwenzayo oku, kodwa unokuba nomdla ekufumaneni umntu owenzayo xa ucwangcisa unyango lwakho lwexesha elide.

Ungalokothi ukhange ukubonelelwa kwenkxaso yesikhathi eside yedwa, jonga umfanekiso wakho omkhulu ukuze wenze isigqibo esona sigqibo.

Izibalo ekunyamekelweni kwexesha elide: Ingaba isicelo sakho sokubhengezwa siyakwenyulwa?

Nazi ezinye izibalo eziphambili ezisekelwe kwiwebhusayithi ye-AALTCI: Abafake izicelo zokunyamekelwa kwexesha elide ngaphantsi kweminyaka eyi-50 banqatshelwe kwisantya se-11%, njengoko sijonga kwizinga lokukhawulelwa kwexesha elide lokunyamekelwa kwexesha elide ngeliqela leminyaka, ubone amanani apho ukukhutshwa kwenqatshelwe ukukhutshwa:

• ukuya kuma-50 ukuya ku-59 izinga lalingama-17 ekhulwini
• Amanani angama-60 ukuya kuma-69 aya kunyuka ukuya kuma-24 ekhulwini
• ngo-70 ukuya kwe-79 umlinganiselo uya kwizinga lokulahlwa kweepesenti ezingama-45

Indlela yokukhetha iNkampani yeNkxaso yeNkxaso yexesha elide leNtsholongwane

Ngaphandle kwemigqaliselo yenkcazo, umgaqo-nkqubo weprayimm kunye nendlela eguquguqukayo ngayo umgaqo-nkqubo uza kuba ngeemfuno zakho, kwakhona kufuneka uqikelele ukuma kwemali kunye nedumela leenkampani zomshuwalense. Kunzima ukwazi ukuba iinkampani ze-inshorensi ziya kuqhuba njani ngexesha elide, kodwa kukho iinkqubo zokulinganisela ezibonisa ukuzinza kwemali kwinkampani yomshuwalense engasetyenziswa njengezikhombisi. Olu hlobo lwazi luyintloko xa ukhangela ukuthenga umgaqo-nkqubo onokuhlawula kuphela iminyaka phantsi komgca onjenge- inshorensi yobomi okanye Inkathalo Yesikhashana. Ukucela ubuchwepheshe obunelayisenisi njengomrhwebi omele iinkampani ezininzi ze-inshorensi kunokunceda, kodwa unokujonga kwakhona ukulinganiswa kwemali kwenkampani kwi- AM .

Iyiphi inkampani yenkampani yomshuwalense yenkxaso yenkxaso yesikhathi eside?

Ekubeni ukubhalwa phantsi kwenkqubo nganye yokunyamekela kwangexesha elide kuyahluka kwenkampani kunye nenkampani, i-inshorensi yokunakekelwa kwe-inshorensi yexesha elide kakhulu iya kuhluka ngoxhomekeke kwi:

• Iminyaka yakho
• Imbali yakho yonyango
• Isixa sokunakekelwa kwexesha elide osithengayo
• kunye nezinye iindidi ezahlukahlukeneyo, ezinye zazo esizibhengeze kuloluhlu lwethu lokukhangela imibuzo ekufuneka uyibuze ngasentla.

Indlela engcono yokugcina imali kwiinkathalo zexesha elide

Indlela engcono yokugcina imali kwi-inshorensi yonyango elide kukucwangcisa phambili. Xa abantu bengenazo iinkathalo zokunyamekela kwangexesha elide kwaye imeko iphakama iphosa ubomi bakho bonke kwiingxabano, ukusuka kwingeniso elahlekileyo yokufuna uncedo. Nika ingqwalasela ukuba yiyiphi imingcipheko yakho ngoku, kwaye yiyiphi ingozi kwiintsapho zakho. Khangela ukuqokelela yonke imigaqo-nkqubo ye-inshorensi eyahlukeneyo, kuquka ne- inshorensi yobomi bakho. Zithengele iinqanaba zokukhuphisana kunye nenkampani yomshuwalense enika ukulungelelanisa kunye nokhetho olufanelekileyo. Nangona unqumle ukuba awufuni ukuthenga ingxelo ngoku, ubuncinane uya kuqonda ukuba ungalindela ntoni kwiindleko kwaye unokufumana inxaxheba kwiingxoxo oza kuba nazo nabathengi okanye nabanye abaqeqeshiweyo abanokukukhokela kule nxalenye yesicwangciso sakho semali. .