Taking the Confusion Out of Linked Benefits
消除联动利益的困惑
Q: What are Linked Benefits?
A: A Linked Benefits policy is a unique life insurance or annuity policy that allows you to protect your assets from a potential long term care (LTC) event and still leave a legacy to your loved ones without having to purchase two separate policies.
By paying an initial lump sum premium, you immediately create a death benefit for your beneficiaries and a pool of money to pay for covered long term care needs.
问：什么是联动利益？
答： 联动利益政策是一种独特的寿险或年金保险，允许您在应对潜在的长期护理（LTC）事件时保护您的资产，同时为您的亲人留下遗产，而无需购买两份单独的保单。通过支付一次性保费，您立即为受益人创造了死亡赔付，并建立了一笔资金来支付符合条件的长期护理需求。
Q: What types of insurance products can be linked?
A: A base product such as life insurance or an annuity with a “rider” that provides long term care benefits if needed. This provides multiple benefits, paying out the first benefit, as needed. If you need long-term care, income tax-free reimbursements are available for qualified long-term care expenses.
问：哪些类型的保险产品可以联动？
答： 基础产品如寿险或年金，并附加一个“附加条款”，在需要时提供长期护理福利。这种安排提供了多重好处，可以根据需要先支付第一个福利。如果您需要长期护理，符合条件的长期护理费用可以免税报销。
Q: What does a Linked Benefit provide me?
A: Linked Benefits policy provides you with:
- A guaranteed death benefit that is generally income tax free – your beneficiaries will receive a death benefit even if you don’t use your LTC benefits or use some or all of it.
- Value for your money – typically, your death and LTC benefits are significantly greater than your initial premium.
- Flexibility – no matter what happens in your life, you will have a guaranteed level of benefits.
问：联动利益为我提供了什么？
答： 联动利益政策为您提供：- 保证的死亡赔付，通常是免税的：即使您没有使用LTC福利，或仅使用了一部分，您的受益人仍会获得死亡赔付。
- 价值高于成本：通常，您的死亡和LTC福利显著高于您的初始保费。
- 灵活性：无论您生活中发生什么，您都将拥有保证的福利水平。
Q: Who should consider Linked Benefits?
A: If you are between ages 55 and 75 with investable assets (money that you won’t necessarily need to fund your retirement) and you want to insure against a time that might require temporary or permanent long-term care, then you should consider a Linked Benefit, especially with the potential for tax savings.
问：谁应该考虑联动利益？
答： 如果您年龄在55至75岁之间，拥有可投资资产（即您不一定需要用来资助退休的钱），并且希望为可能需要临时或永久长期护理的情况投保，那么您应该考虑联动利益，特别是在税收节省的潜力下。
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