如下介绍的产品特征是基于美国的长期护理险(LTC)。 当受险人自理能力下降或因疾病丧失活动能力时,长期护理险就会生效并承担医疗护理或家政服务的费用。 救济金如何生效:美国的此类保险是否生效是依靠日常自理能力事项(ADLs:Activities of Daily Living)能实现的数量来判断的。 ADLs 通常包括(1)自行洗澡(2)自行穿衣(3...
所谓长期护理保险 (long-term care insurance),其实是一种你为未来自己的健康买单的保险,它包含许多常规健康保险未涵盖的服务,例如日后例行生活活动的协助:帮忙洗澡、穿衣服、上下床等等;包括如果之后你想要去养老院、成人日托中心、或者需要一些生活辅助设施,长期护理保险都可以帮忙 cover 一部分开销。 如果你之后患有...
In short, if you don’t have long-term care insurance, you’ll have to pay for the care you need yourself. Medicaid is another option (seeLongTermCare.gov), but to qualify you will first need to exhaust most of your savings and other financial assets. Long-term care costs will quickly...
JerryL.Tax AdviserWiener, J, Harris, K., et Hanley, R. (1990) : Premium Pricing of Prototype Private Long- term Care Insurance Policies, Washington, D.C. : The Brookings InstitutionWiener, J, Harris, K., et Hanley, R. (1990): Premium Pricing of Prototype Private Long-term Care ...
Premiums for "qualified" long-term care insurance policies are tax deductible to the extent that they, along with other unreimbursed medical expenses (i...
Potential tax benefits In some cases,the premiums you pay for long-term care insurance may be tax-deductible. In turn, the tax advantages associated with these policies can contribute to reducing the overall financial impact, making them a more attractive option in certain cases. ...
Additionally, we are making a limited non-forfeiture option available for those policyholders who wish to elect a limited paid-up long term care insurance benefit. This option provides a paid-up policy with benefits equal to the total of premium paid, less any claims paid. While we are ...
3 p. 加快建设老年人长期照料制度 2 p. 高龄老人长期照料者压力与调适 5 p. 不同长期照料服务供给下的失能老人长期照料模式选择 1 p. 老年患者长期照料者心理状况及相关因素 4 p. 不同长期照料服务供给下的失能老人长期照料模式选择 发表评论 验证码: 换一张 匿名评论 提交 关于...
they often have other names and the setup can also be very different. When it comes to long-term care insurance, the insurer will strive to create a product that is tailor-made for the market where it will be marketed and sold, which means taking factors such as available tax-funded assi...
Long-term care insurance coverage provides for the care of people over age 65 or with a chronic or disabling condition who need constant care.