Fact vs Fiction About Long Term Care Insurance
长期护理保险的事实与虚构
Fiction: I am probably already covered for long term care.
虚构：我可能已经涵盖了长期护理
Fact: Most people think that their insurance covers long term care expenses. That is not so. Long term care is NOT covered by other kinds of insurance, including your HMO, health or long term disability insurance. Only long term care insurance that you typically purchase on your own covers day-to-day personal care assistance when you are unable to perform everyday activities like bathing and dressing.
事实： 大多数人认为他们的保险涵盖长期护理费用，但实际上并非如此。长期护理不被其他类型的保险覆盖，包括您的HMO、健康保险或长期残疾保险。只有您通常自行购买的长期护理保险，才会覆盖在无法进行日常活动（如洗澡和穿衣）时所需的日常个人护理援助
Fiction: Medicare or Medicaid will cover my long term care.
虚构：医疗保险或医疗补助会覆盖我的长期护理
Fact: Medicare does not generally cover long term care. Medicare pays for skilled care in a nursing home only for short periods (only up to 100 days) during which you are recuperating following a hospital stay for a related condition. If you need personal or custodial care, Medicare will not pay these costs. Medicare will only pay for care at home under very limited circumstances. Medicaid pays for long term care only for people with very low assets and limited income.
事实： 医疗保险通常不覆盖长期护理。医疗保险只在您因相关疾病住院后的恢复期间（最多100天）支付护理院的专业护理费用。如果您需要个人护理或看护，医疗保险不会支付这些费用。医疗保险在非常有限的情况下只会支付居家护理费用。医疗补助仅为资产非常低且收入有限的人支付长期护理费用。
Fiction: Long term care is only for the elderly.
虚构：长期护理只是老年人的需求
Fact: While the majority of people who require long term care are elderly, younger people can require it at any time due to unexpected illnesses, diseases, injuries or accidents.
事实： 虽然需要长期护理的人大多数是老年人，但年轻人也可能因突发疾病、伤害或意外事故而随时需要长期护理
Fiction: I won’t need long term care insurance because my family will be able to care for me.
虚构：我不需要长期护理保险，因为我的家人可以照顾我
Fact: Families do and will continue to provide care, but what if you need professional help or a stay in a nursing home or assisted living facility? Plus, caring for a family member can be a huge financial and emotional burden. And, the fact that family and friends may help supplement care does not have any bearing on the cost of coverage.
事实： 家庭确实提供照顾，但如果您需要专业帮助或住进护理院或辅助生活设施怎么办？此外，照顾家庭成员可能会造成巨大的财务和情感负担。家人和朋友的帮助不会影响保险费用
Fiction: I can’t afford long term care insurance.
虚构：我负担不起长期护理保险
Fact: Long term care insurance is more affordable than you might think and can be tailored to meet your needs and your budget. The costs of long term care insurance can be managed by creating a retirement plan or a financial plan that is right for you. Also, the younger you are when you purchase long term care insurance, the lower the premiums.
事实： 长期护理保险比您想象的要更实惠，而且可以根据您的需求和预算进行量身定制。通过制定适合您的退休计划或财务计划，可以有效管理长期护理保险的费用。此外，您购买长期护理保险时年龄越小，保费越低
Check out more facts about long term care or give us a call to discuss your questions.
想了解更多有关长期护理的事实，或请给我们打电话讨论您的问题