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  • Chances are, you know of someone or have a family member who requires long-term care because a chronic illness, accident, or other medical issue has made it impossible for them to manage day-to-day activities on their own.

    你很可能認識某人或是有某個家人由於慢性疾病、意外或是其他健康問題無法自理日常生活而需要長期照護。

  • Whether they're still living in their home or they've moved into a specialized care facility, costs can quickly add up.

    無論他們是住在家裡或搬進專門的護理機構,照護費用累積得很快。

  • Long-term care insurance provides financial protection for you and your family to help cover the cost of care if you are unable to care for yourself due to a decline in your mental or physical abilities.

    長期照護險能提供你或家人財務保障,分攤因心理或生理機能衰退而無法照顧自己所產生的照護費用。

  • It can help pay for assistance to manage your daily activities, such as bathing and dressing, or if your mental condition has deteriorated and you need supervision to protect your health and safety.

    長照險能協助支付日常生活管理的費用,例如沐浴、穿衣,或當你精神狀態惡化,需要有人來照看健康及安全。

  • Generally speaking, plans can be set up to either reimburse specific expenses, such as homemaking or private nursing services.

    整體而言,可以申辦特定開銷的保險補助計畫,例如居家服務或私人看護。

  • Or they can provide an income-style benefit, which means you'd receive money on a regular basis that could be spent any way you choose.

    也有提供收入式的補助,也就是你會定期收到能自由支配的金錢。

  • Staying in a long-term care facility can cost thousands of dollars a month, and government health care programs may not cover all of the support services you need.

    住在長照中心每個月可能得耗費好幾千美元,而政府的健保計畫可能無法全額支付所需的輔助服務費用。

  • Long-term care insurance can help pay for stays in nursing homes and chronic care facilities, as well as for rehabilitation and therapy programs.

    長照險能協助支付養老院和慢性病護理中心的住宿費,以及復健和治療的費用。

  • Caring for loved ones at home can be a strain emotionally, physically and financially, especially when it means taking time off work or leaving full-time employment to provide that care.

    在家照顧所愛的人會帶來心理、生理和財務上的壓力,尤其是需要抽出工作時間或是辭去全職工作來提供照護的時候。

  • Long-term care insurance can help relieve some of that stress.

    長照險可以緩解一些壓力。

  • It can even be used to compensate family caregivers for the help they provide.

    它甚至可以當作家中照護者的照護補助。

  • Some plans offer unique features, such as the option to protect your benefits against inflation and the option to return premiums to your estate if you die before receiving benefits.

    有些保險計畫提供特殊專案,例如保障補助金不受通貨膨脹影響的方案,和死後將未領的保險費歸於資產的方案。

  • And some plans will help you locate long-term care resources in your area.

    而有些保險計畫會協助你找尋住家附近的長照資源。

  • With long term care insurance, you and your family can focus on finding the best care for your needs, rather than worrying about how you will pay for it.

    有了長期照護險,你和家人就能專心尋找符合需求的最佳照護,不必擔心如何支付相關費用。

  • Find more tips and tools at sunlife.ca.

    想了解更多建議和工具,請參閱網站:sunlife.ca.。

  • Life's brighter under the sun.

    生活在陽光下更加燦爛。

Chances are, you know of someone or have a family member who requires long-term care because a chronic illness, accident, or other medical issue has made it impossible for them to manage day-to-day activities on their own.

你很可能認識某人或是有某個家人由於慢性疾病、意外或是其他健康問題無法自理日常生活而需要長期照護。

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A2 初級 中文 美國腔 照護 費用 補助 支付 保險 計畫

【家庭教育】照顧者的累誰能解決?交給長照險吧!(What is Long-Term Care Insurance?)

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    Estelle 發佈於 2019 年 09 月 29 日
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