Posted by The Administration of Aging (AoA) in the United States updated in 2020 and released the considerations for the elderly in the United States.Long-term careCurrent status and guidelines1.And according to different ages,It lists some retirement planning knowledge that every American needs to know before the age of 50, between the ages of 51 and 64, and after the age of 65.
Things you should know before 50
It is better to have a plan than no plan. It is never too early to plan for the elderly.If we are less than 50 years old, then knowing these things in advance may be able to make some simple preparations, which will make the future financial situation relatively easy.
- The elderly medical insurance (Medicare, commonly known as the red and blue card), only pays for this type of long-term care when the doctor believes that the necessary professional services or rehabilitation care is needed. Medicare will not pay for assisted daily living (ADL) care Expenses, such as nursing and care services in your own home, and this one isLong-term care servicesThe main part.
- The cost of long-term care is much more expensive than we thought, and we may have to bear all the cost of care.Therefore, it is necessary to start thinking about how to pay for the care that may be needed in the future.For specific fee information, please refer to the LifeTank©️ column"The cost of long-term care in the U.S."and"What is the cost of nursing homes in the United States (2021 version)"Column.
- You can plan in advance, tell your family or relatives, choose someone who can understand you and realize your wishes, and how to make important health decisions for us when we are unable to make decisions on our own.This may include the decision to stop life-sustaining treatment.
Things you should know from 51 to 64
In order to help you best plan for long-term care between the ages of 51 and 64, we have compiled a list of important things you should know and can do immediately to deal with the medical situations that you may face in your retirement.
- Elderly medical insurance (Medicare, commonly known as the red and blue card), pays for such long-term care only when the doctor believes that the necessary professional services or rehabilitation care is needed. Medicare will not pay for assisted activities of daily living (ADL) care Expenses, such as nursing and care services in your own home, which are the main part of long-term care services.
- The cost of long-term care is much more expensive than we thought, and we may need to bear the cost of care.Therefore, it is necessary to start thinking about how to pay for the care that may be needed in the future.For specific cost information, please refer to the LifeTank©️ column"The cost of long-term care in the U.S."and"What is the cost of nursing homes in the United States (2021 version)"Column.
- There are many different types of nursing methods for us to choose, and we can also choose nursing services of different professional levels.From the care of family members and loved ones, to professional private nursing homes, there are many options.
- The environment in which you live is very important-if you want to stay in your own home and receive care, the layout of the house, especially the bathroom, will determine whether you can directly meet your home care ideas.
- We plan for long-term care in advance. On the one hand, we can protect our family from paying high long-term care service fees and financial impact, and because family members have to make many key decisions for us, it will bring Emotional impact.
- You can plan in advance, tell your family or relatives, choose someone who can understand you and realize your wishes, and how to make important health decisions for us when we are unable to make decisions on our own.This may include the decision to stop life-sustaining treatment.
- Knowing our financial and asset situation, we can determine how to pay for this medical service, and who can rely on to help us.We can choose to prepare in advance or advance payment for the long-term care needed (such as applying for insurance or special savings for medical preparation).
Things you should know when you are 65
To help you best plan for the long-term care situation that you will face after 65, we have compiledImportant things you should know and can act on.
- Elderly medical insurance (Medicare, commonly known as the red and blue card), pays for such long-term care only when the doctor believes that the necessary professional services or rehabilitation care is needed. Medicare will not pay for assisted activities of daily living (ADL) care Expenses, such as nursing and care services in your own home, which are the main part of long-term care services.
- There are many different types of nursing methods for us to choose, and we can also choose nursing services of different professional levels.From the care of family members and loved ones, to professional private nursing homes, there are many options.
- You can get help from the care plan provided by your local community or city municipality. At the end of the article, LifeTank©️ also provides the "Guide to Welfare for Senior Citizens (Chinese Version)" provided by the American Council on Aging, from which we can seek help on food, transportation, housing, nursing, taxation, and law.
- Please be especially careful about falls/wrestling. Elderly people after 65 years of age usually need to start long-term care services after a fall or fall.Please pay attention and learn how to prevent falls in life. Mastering these life skills may delay our need for long-term care.
- Being close to your children and family is a very important point after the need for long-term care services.
- You can plan in advance, tell your family or relatives, choose someone who can understand you and realize your wishes, and how to make important health decisions for us when we are unable to make decisions on our own.This may include the decision to stop life-sustaining treatment.
- if there is notInsurance companyTo pay the expenses, consider other options, such as a reverse mortgage or savings.
- Renovate and upgrade our house to make it more suitable for the living habits of the elderly.
- If we plan to move to assisted living communities, nursing homes and other institutions to live, we need to consider the level of professional services provided by different types of facilities, related costs, convenience facilities and locations.
Article summary
The U.S. Community Life Administration and the American Council on Aging are affiliated with the U.S. Department of Health and Human Services and are committed to building communities suitable for the elderly in the United States and promoting independent and inclusive community life.For everyone who will eventually retire,At some point in life, about 60% of people need help from others, such as helping with clothes, driving or cooking.
The American Council on Aging points out that it’s very important to know these things in advance and self-planning. However, many people are not sure whether their insurance covers long-term care services such as home care, nursing homes, assisted living communities, etc. The content of medical insurance is not understood.
Social Service Project
If you or your family need home care service (Home Care Service), the federal government provides services to check and compare home care service agencies around you, pleaseClick Here Check it out. LifeTank©️ suggests that it can also be combined with Yelp's evaluation for comprehensive judgment.
At the same time, LifeTank©️ also provides the "Elderly Welfare Guide (Simplified Chinese version)"For you and your family to check and understand. (End of full text)
(>>>Recommended reading:What is the difference between US "long-term care insurance" claims and "chronic disease" claims?Which one is more suitable for me?）
appendix
1. "What is Long-Term Care (LTC) and Who Needs it?", 2020/02/18, US Department of Health & Human Services, https://acl.gov/ltc
