【新聞转编】 长照烧錢。 猝不及防,高齡化危機已席捲全球,全美許多退休嬰兒潮突然意识到,自己已付不起長期照護高齡者所需要的高昂費用。 有车有房有產的中產階級,高不成低不就,不符合申請政府補助的資格,只能自力救濟,但又不敢亂燒錢;結果,陷入財務惡性循懷。「真正龐大的財務炸彈就在這裡,只是多數人希望不會炸到自己。」University of Massachusetts at Boston 的研究中心主任Marc A. Cohen說。 入住長照機構費用平均起價為每年6萬元,而且隨著年齡增長,照護需求也會增加,成本也一路上漲,至於照護失智症的長照機構平均每年費用超過8萬元。 逾70%老人不願意住在特定房間,絕大多數傾向在自宅就地安老,但以每周40小時居家照護來計算,一年支出的居家照護費用超過5萬6000元。 「早在疫情前,長照體系就已經崩盤,對多數人而言真的太貴,因為需要進一步挹注資源,以保障第一線照護人員擁有競爭性的薪資,並維持現代化設備。」NCAL執行董事LaShuan Bethea 表示:「入住機構再加上照護支出,多數人不列入考慮,或根本負擔不起這筆費用。」 華盛頓州今年開始啟動長照保險計畫,強制徵收勞工0.58%薪資,作為長照財源,將提供每戶家庭每日100元照護費用,終身上限為3萬6500元,同時加州和密西根州也開始推動類似長照保險計畫。
Senior care is crushingly expensive. Boomers aren’t ready.
Long-term care options are too expensive for middle-income Americans, narrowing options for millions of seniors
One danger is the escalating care fees — as medical need grows — that create a trap for people who think they can afford assisted living over the long haul, said Sherri Lewis, an HIV activist and former pop singer in Los Angeles who placed her mother in a high-end assisted-living facility in Beverly Hills. Lewis’s mother, 93, had a long-term care insurance policy that paid $4,000 a month for life, plus another $3,000 a month in Social Security and other spousal benefits. That covered her mother’s care until her needs grew and the monthly bill rose to $10,000. The facility asked her mother to leave last yearand she’s now in a nursing home, Lewis said.
长照烧錢。
猝不及防,高齡化危機已席捲全球,全美許多退休嬰兒潮突然意识到,自己已付不起長期照護高齡者所需要的高昂費用。
有车有房有產的中產階級,高不成低不就,不符合申請政府補助的資格,只能自力救濟,但又不敢亂燒錢;結果,陷入財務惡性循懷。「真正龐大的財務炸彈就在這裡,只是多數人希望不會炸到自己。」University of Massachusetts at Boston 的研究中心主任Marc A. Cohen說。
入住長照機構費用平均起價為每年6萬元,而且隨著年齡增長,照護需求也會增加,成本也一路上漲,至於照護失智症的長照機構平均每年費用超過8萬元。 逾70%老人不願意住在特定房間,絕大多數傾向在自宅就地安老,但以每周40小時居家照護來計算,一年支出的居家照護費用超過5萬6000元。
「早在疫情前,長照體系就已經崩盤,對多數人而言真的太貴,因為需要進一步挹注資源,以保障第一線照護人員擁有競爭性的薪資,並維持現代化設備。」NCAL執行董事LaShuan Bethea 表示:「入住機構再加上照護支出,多數人不列入考慮,或根本負擔不起這筆費用。」
華盛頓州今年開始啟動長照保險計畫,強制徵收勞工0.58%薪資,作為長照財源,將提供每戶家庭每日100元照護費用,終身上限為3萬6500元,同時加州和密西根州也開始推動類似長照保險計畫。
如何降低长照财务风险,建议大妈们: 1.善加利用政府補助; 2.密切关注政府分散风险保險计划横空出世; 3.運動保健; 4.培養宣洩情緒的管道。沒事就上华人,手持板砖,窥视時机,一旦路见不平,便猛地一声吼,板砖拍下来。管道"哗"地一下子就通了。
听说人越老越怕死,安乐死这种也就是说说而已,很难实施
听说安乐死挺贵的。
也不知能不能付得起😥
可以考虑烧炭,
一袋子碳的钱可以支付
每年把401k存个差不多就行了, 如果退休还不够, 到时候再说lol
每月8000 块2 个人? 哪里这么便宜? 真不错
这种是能自理的老人吧? 在美国也不贵。需要长期照顾不能自理的那种中国也不便宜。
Senior care is crushingly expensive. Boomers aren’t ready.
Long-term care options are too expensive for middle-income Americans, narrowing options for millions of seniors
One danger is the escalating care fees — as medical need grows — that create a trap for people who think they can afford assisted living over the long haul, said Sherri Lewis, an HIV activist and former pop singer in Los Angeles who placed her mother in a high-end assisted-living facility in Beverly Hills.
Lewis’s mother, 93, had a long-term care insurance policy that paid $4,000 a month for life, plus another $3,000 a month in Social Security and other spousal benefits. That covered her mother’s care until her needs grew and the monthly bill rose to $10,000. The facility asked her mother to leave last year and she’s now in a nursing home, Lewis said.
新一线城市。不是高档养老院。studio 房间。加点钱可以住带客厅的房间。
是的,能自理。服务员送饭到房间,也可以自己去食堂吃。
是的,收费是按生活自理程度。养老院院长面试每一个人来定价。然后分配到相应的楼层。
一颗子弹就够了。用个开花蛋,几块钱的事