The maximum Social Security retirement benefit in 2025 is $5,108 per month, which is for those who delay claiming benefits until age 70. This assumes a lifetime of maximum taxable earnings and a 35-year work history. For those claiming at their full retirement age, the maximum benefit is $4,018 per month.
Long-term care insurance typically starts paying benefits after an elimination period, which is a waiting period you must fulfill before coverage begins. This period is often 30, 60, or 90 days, but can range from 0 to 180 days. During this time, you are responsible for covering the costs of your care out-of-pocket. Here's a more detailed explanation: Elimination Period: This is a deductible measured in time rather than money. It's the period you must wait after becoming eligible for benefits (meeting the criteria of needing care) before the insurance company starts paying. Common Lengths: While 90 days is often cited as a standard elimination period, many policies offer choices of 30, 60, or 90 days. How it Works: Once you need care (e.g., because of cognitive impairment or inability to perform daily living activities), the clock starts on the elimination period. You pay for care until the end of the elimination period, and then the insurance policy begins to reimburse you for covered services. Impact on Premiums: Shorter elimination periods typically mean higher premiums, while longer elimination periods result in lower premiums, according to 7 Day Home Care.
用生活成本很高的加州普通双职工退休来做例子…… 见图中，GPT估计的年度花费在不到8万美元。这个是 中等偏舒適生活方式，不适合群里的富豪们。
今年SSA的最大月收入是4018元，当然绝大多数人拿不到这个数额，所以打上80%折扣，一对夫妻月SSA收入就可以在$6400，年收入7万7，基本上就和年度花费差不多了。这个双老人低于10万的税率是非常非常低的。所以两个人的SSA就已经可以基本cover生活费用了。
假设两个人有一百万的退休账户，按照最保守的私投资，年率3%，那么即使只提出这个增长额3万，也就可以用于进一步改善生活品质，而且连本金都不用动。
上面的估计适合于普通家庭，缓解一下大家的焦虑。
我觉得多。
在中国，一个月基本生活开支6000人刀就够了。
这里的退休还应包括被退休的。
20年前是每月$5000
只能说这里矫情的人太多。
美国平均家庭收入才多少？
The maximum Social Security retirement benefit in 2025 is $5,108 per month, which is for those who delay claiming benefits until age 70. This assumes a lifetime of maximum taxable earnings and a 35-year work history. For those claiming at their full retirement age, the maximum benefit is $4,018 per month.
Long-term care insurance typically starts paying benefits after an elimination period, which is a waiting period you must fulfill before coverage begins. This period is often 30, 60, or 90 days, but can range from 0 to 180 days. During this time, you are responsible for covering the costs of your care out-of-pocket. Here's a more detailed explanation: Elimination Period: This is a deductible measured in time rather than money. It's the period you must wait after becoming eligible for benefits (meeting the criteria of needing care) before the insurance company starts paying. Common Lengths: While 90 days is often cited as a standard elimination period, many policies offer choices of 30, 60, or 90 days. How it Works: Once you need care (e.g., because of cognitive impairment or inability to perform daily living activities), the clock starts on the elimination period. You pay for care until the end of the elimination period, and then the insurance policy begins to reimburse you for covered services. Impact on Premiums: Shorter elimination periods typically mean higher premiums, while longer elimination periods result in lower premiums, according to 7 Day Home Care.
每次就得至少一万二，每年总开销乘4到8，至少是多少？
那是在走得动的时候，走不动，基本上那些钱付给照顾的人都不够了，更惨，还是走得动的日子越长越好，所以，别太乐观，最好的数据就是，观察退休人的走向，美国人退休后绝大部分都离开贵的地区，跑到偏远便宜的地方去退休，就是为了省出钱来多旅游享受余下不足十年十几年的好日子，如果钱足够，何苦来着？
我看到过我自己的老爸和老公的老爸的最后日子， 好几个月呢
跟退休以后的生活比，这个时代更让人焦虑的应该是能不能工作到自己想退休的那天吧