What is Long Term Care Insurance?
什么是长期护理保险？
As we age, the likelihood we will need some type of medical or personal care increases. We may need long term care - a variety of services which help meet the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods of time. Such services typically include assistance with normal daily tasks like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living facilities or in nursing homes.
随着年龄的增长，我们需要某种医疗或个人护理的可能性会增加。我们可能需要长期护理，这是一种服务，旨在满足那些因慢性疾病或残疾而无法自我照顾的人在医疗和非医疗方面的需求。这些服务通常包括协助日常基本任务，例如穿衣、洗澡和如厕。长期护理可以在家中、社区、辅助生活设施或护理院提供。
On average the need for long term care services lasts months or years, not weeks or months, and can be very expensive. The costs of long term care on average exceed $50,000 per year (www.longtermcare.gov) and generally speaking, Medicare, Medicare supplement insurance and basic medical insurance plans do not cover the cost.
平均而言，长期护理服务的需求持续数月或数年，而不是几周或几个月，费用也可能非常昂贵。长期护理的平均费用超过每年50,000美元（www.longtermcare.gov），一般来说，医疗保险、医疗保险补充保险和基本医疗保险计划不涵盖这些费用。
Long term care insurance was developed for precisely this reason – to provide the needed financial protection against the cost of long term care that other plans simply don’t cover. If you need long-term care services, what financial resources could you call on? Do you have the necessary savings to pay for home health care for six months, a year or longer without the expense being a burden on your lifestyle?
长期护理保险正是为此而设立的——提供必要的财务保障，以应对其他计划无法覆盖的长期护理费用。如果您需要长期护理服务，您可以依靠哪些财务资源？您是否有足够的储蓄来支付六个月、一年或更长时间的家庭护理，而不会对您的生活方式造成负担？
If not, long-term care insurance may be a good option for you to explore.
如果没有，长期护理保险可能是一个值得您考虑的好选择
An insurance policy, based on your need for care, will pay a daily or monthly benefit amount to cover some or all of your long term care costs. Some policies will pay benefits for up to a stated period of time such as three or four years while others pay until a maximum dollar amount has been paid, such as $150,000. Most policies have options for your daily or monthly and policy maximum benefits to automatically increase every year so that your coverage keeps pace with rising health care costs.
根据您的护理需求，保险政策将支付每日或每月的福利金额，以覆盖部分或全部长期护理费用。有些政策会在三年或四年等特定时间段内支付福利，而其他政策则会在支付达到最大金额时停止支付，例如150,000美元。大多数政策都有选项，允许您的每日或每月福利及保单最高限额每年自动增加，以便您的保障与医疗费用的上涨保持同步。
It’s never too early to consider long-term care insurance because:
考虑长期护理保险永远不会太早，因为：
- The younger you are when you buy long term care insurance the less it cost.
- 您购买长期护理保险时年龄越小，费用越低。
- Once you have the coverage, it is Guaranteed Renewable for life – it cannot be cancelled. Conversely, once you become too unhealthy to obtain it, you are unlikely to ever be healthy enough to qualify again.
- 一旦您获得保障，它就终身可保证续保——不能被取消。相反，一旦您变得太不健康而无法获得保险，您可能永远也不会健康到再符合资格
If you are 45 or older and do not have coverage in place, I encourage you to learn more now. For more information including a personalized quote, please contact me.
如果您45岁或以上且尚未购买保障，我鼓励您现在了解更多信息。如需更多信息，包括个性化报价，请与我联系