LongTermCare長期照顧保險

 

Protect yourself  from spending your valuable asset money into a long term care need   

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根據統計,65歲以上的人中,70%有机会需要長期照顧. Medicare支付長期照顧條件是住院三天以上,之後30天內因需要医療照顧並被接受入住政府合格的專業護理療養机構. 其給付最長至100天,其中第21至100天,個人需負擔共付額,目前一天是$141.50(2011). 之後則完全自行負責. 至於联邦補助医療計畫Medicaid, 雖然支付大部分的費用,但必須要符合联邦及該卅規定的貧窮程度, 對所得財產都有嚴格的限制!

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