Care Plan 롱텀케어

롱텀케어는 은퇴후 자산을 보호하기 위한

매우 중요한 안전장치 입니다.


롱텀케어 보험은 누군가의 도움이 없이는 혼자서 기본 생활을 영위하지 못할 때 유용하게 사용될 수 있습니다. 


대부분의 사람들은 롱텀케어가 필요할 때가 되어서야 그 준비의 필요성을 절감합니다.

  • 2030년까지 매일 1만명의 베이비부머가 65세가 되며 10명중에 7명은 살아계신동안 일정 수준의 롱텀케어가 필요하다고 합니다. 

  • 5명중에 한명, 즉 20%는 케어가 5년이상 필요하다고 합니다.

  • 2019년 미국 전국 평균 가정방문 요양서비스 평균 비용은 $52,624 입니다. 

  • 2019년 미국 전국 평균 Nursing home 비용은 $102,200입니다. (Private Room 기준) ​

 내 거주지의 롱텀케어 비용알아보기

*자료 출처 longtermcare.acl.gov

 

롱텀케어를 준비하는 데에는 다양한 방법들이 있습니다.

한가지의 최고의 상품은 존재하지 않으며, 각 개인의 계획과 재정상황에 맞춰

다양한 상품을 적용하고 검토해 봐야 합니다.  

Traditional

Long Term Care

- 비교적 저렴한 비용으로 가입가능

- 사용치 않을 경우 소멸

Men with Calculator
Analysing the Data

Life Insurance

Hybrid Plan

- 생명보험에서 제공하는 사망보상금을 가입자 본인이
케어가 필요할 경우 롱텀케어로 사용할 수 있습니다.
- 롱텀케어로 사용되지 않은 사망보상금은 수혜자에게 상속됩니다.

Asset Based

Long Term Care

- 생명보험/연금이 기본 골격

- 롱텀케어 보장성에 보다 집중된 플랜

- 부부가 함께 평생 혜택 보장 가능

Analysing the Numbers
 

유용하게 사용할 수 있는 기타 방법들

  • Chronic Illness Rider in Life Insurance

생명보험 사망보상금의 일부를 케어가 필요할 경우 미리 지급하는 특약

  • Lifetime Income Benefit Rider in Annuity

케어가 필요한 경우 노후 생활비 지급금을  추가적 인상하여 지급하는 기능

 

Blue Anchor

6281 Beach Blvd. Suite 202, Buena Park CA 90621

California Lic# 0I56056

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