对于行动不利生活自理能力低的老人,很多家庭会聘请保姆,对于久病在床的老人,需要聘请专业的医疗护理人员。然而长期护理费用不属于医疗需求,很难从医疗渠道去报销,如此昂贵的长期护理费用就将会给很多家庭造成很大经济压力。长期护理险就是为了一定程度的分担和解决这样的社会家庭问题而产生。 长期护理保险(LTC)诞生于上世...
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...
The article presents ideas on explaining long-term care insurance (LTCI) benefits to clients. President of Strategic Asset Management Group William M. Upson states that it is necessary to ask the client on how they would pay long-term care services without LTCI in initiating a frank ...
(1) the benefits and premium requirements of Partnership policies as compared with those of traditional long-term care insurance policies; (2) the demographics of Partnership policyholders, traditional long-term care insurance policyholders, and people without long-term care insurance; and (3) ...
long-term care insurance. 解释:C is correct. 考点:Health/Medical Insurance解析: 长期护理保险为家庭护理、辅助生活设施和/或疗养院费用而设计的,比较适合Marion的母亲,尤其是因为她家里有长寿的基因而养老金有不足。虽然这个保险在Marion的母亲这个年龄会比较贵,但这将会缓解家庭护理的潜在需求,为了避免提供家庭护...
1.Educate yourself:Start by learning about long-term care insurance and understanding its benefits and limitations. Research different insurance providers and policies to find the one that best suits your needs and budget. 2.Assess your needs:Evaluate your own health, family history, and financial ...
This article uses cross-sectional data from the Survey of Health, Ageing, and Retirement in Europe (SHARE) database to test the effect of both long-term care (LTC) public benefits and insurance on the receipt of informal care provided by family members living outside the household in Italy ...
Offered by The Chubb Corporation, the Long-Term Care (LTC) plan provides LTC benefits if you need them and also comes with life insurance. You can also cover your spouse/domestic partner. What Is Long-Term Care? The LTC plan will help pay for services to care for you when you can ...
citizens whose health care is universally insured as anentitlement. However, elders who need long-term care havemuch less protection. Medicare, the federal program for theelderly and disabled, covers many of the costs of acute medicalcare but only tangentially covers some long-term care services....
LONG-TERMCAREINSURANCE CarrierInterestintheFederalProgram,Changesto ItsActuarialAssumptions,andOPMOversight WhyGAODidThisStudy Since2002,thefederalgovernment hasofferedlong-termcareinsurance toitsemployees,retirees,andcertain othersthroughtheFederalLongTerm