Hybrid Long Term Care Insurance vs Traditional Long Term Care Insurance
混合长期护理保险与传统长期护理保险
Did you know that is more than one option when it comes to long term care insurance?
您知道长期护理保险有不止一种选择吗？
Traiditional Long Term Care Insurance
传统长期护理保险
With the traditional long term care insurance you pay your premium, and if you need long-term care due to age or illness, the policy pays out a daily or monthly benefit. Some people think that if they die without needing long-term care, they feel they’ve “wasted” the premiums.
在传统长期护理保险中，您支付保费，如果因年龄或疾病需要长期护理，保险政策会支付每日或每月的福利。有些人认为，如果在去世时没有使用长期护理，他们就“浪费”了保费
Hybrid Long Term Care Insurance
混合长期护理保险
With a hybrid plan you can withdraw funds from the policy for long-term care, and the insurance company pays for care when those funds run out. And, if die without having needed expensive long-term care, your heirs receive a death benefit.
混合保险计划允许您从政策中提取资金用于长期护理，保险公司在这些资金用完后会继续支付护理费用。如果您在没有使用昂贵长期护理的情况下去世，您的继承人将获得死亡赔偿金
Another consideration is that the benefits are guaranteed. If you pay your premiums (usually for 10 years or less), you will have a contractually guaranteed death benefit, guaranteed cash value and a guaranteed amount of long-term care coverage.
另一个考虑因素是，混合计划的福利是有保障的。如果您支付保费（通常为10年或更短), 您将拥有合同保证的死亡赔偿金、保证现金价值和长期护理覆盖金额
Although hybrid policies provide you the ability to elect your long term care insurance benefits at the outset, monthly benefit, benefit period, and inflation protection they are not as flexible as traditional plans.
尽管混合政策提供了在开始时选择长期护理保险福利的能力，包括每月福利、福利期限和通货膨胀保护，但它们的灵活性不如传统计划
Some hybrid linked benefit insurance policies are funded with a one-time single premium up-front such as $50,000 or $100,000. Others are paid over short periods of time, which can make them very costly.
一些混合附加保险政策通过一次性单笔保费（例如50,000美元或100,000美元）进行资助。其他政策则在短期内支付，这可能会非常昂贵
Plus, the premiums you pay for hybrid policies are not potentially tax-deductible, because hybrid policies are not considered tax-qualified policies.
此外，您为混合政策支付的保费通常不具有税收抵扣的可能性，因为混合政策不被视为合格的税收政策
Traditional Long Term Care Insurance
传统长期护理保险
With a traditional stand-alone policy, which can be custom-tailored to suit your needs, you elect your benefits at the start
在传统的独立政策中，您可以根据自己的需求量身定制，并在开始时选择您的福利
- Monthly Benefit
- 每月福利
- Benefit Period (2 years, 3 years, 4 years, 5 years, 6 years, Unlimited) (Individual or Shared)
- 福利期限（2年、3年、4年、5年、6年或无限期）（个人或共享）
- Inflation Protection
- 通货膨胀保护
- Waiting Period (30 Days - 180 days)
- 等待期（30天至180天）
Your premium is guaranteed renewable. Premiums are typically paid on a monthly, quarterly, semi-annual or annual basis. As long as you pay your premium, you will have coverage in-force.
您的保费是保证可续保的。保费通常按月、季度、半年或年度支付。只要您支付保费，就会保持有效的保障
Most importantly because traditional policies are able to be customized. You are able to design the policies to account not only for your current needs but also to account for future inflation.
最重要的是，传统政策可以进行定制。您可以设计政策，不仅考虑当前需求，还可以考虑未来的通货膨胀
Give us a call and let’s discuss if it’s worth it for you to consider a hybrid insurance policy or if a traditional long term insurance policy makes more sense.
请给我们打电话，讨论您是否值得考虑混合保险政策，或者传统长期护理保险政策是否更符合您的需求