How Much Long Term Care Insurance is Enough?
多少长期护理保险才足够？
When it comes to insurance there isn't a one-size fits all approach. This is especially true when it comes to long-term care insurance.
在保险方面，没有一种适合所有人的解决方案。这在长期护理保险中尤其如此
When thinking about your long-term care insurance policy, it is important to take the following into consideration
在考虑您的长期护理保险政策时，重要的是要考虑以下几点：
Protecting Your Assets
保护您的资产
Long term care insurance should be a factor in your overall retirement planning. Because needs, resources and personal situations differ, it's important to discuss your situation with a trusted advisor.
长期护理保险应成为您整体退休计划的一部分。由于需求、资源和个人情况各不相同，与可信的顾问讨论您的情况非常重要
Current Long Term Care Costs
当前长期护理费用
Whether you plan to move to a warmer climate or closer to your family, the cost of care varies by state and by region. Where you retire is an important factor in determining the amount of coverage you will need.
无论您计划搬到气候更温暖的地方还是更靠近家人，护理费用因州和地区而异。您退休的地点是确定所需保险金额的重要因素.
Here are some national average costs for long-term care in the United States (in 2023).
以下是2023年美国长期护理的一些全国平均费用：
- $285 a day or $8,669 per month for a semi-private room in a nursing home
- 护理院半私人房间：每天285美元或每月8,669美元
- $320 a day or $9,733 per month for a private room in a nursing home
- 护理院私人房间：每天320美元或每月9,733美元
- $176 a day or $5,350 per month for care in an assisted living facility (for a one-bedroom unit)
- 辅助生活设施（单卧室单位）：每天176美元或每月5,350美元
- $33.00 an hour for a health aide
- 健康护理助手：每小时33美元
- $30.00 an hour for homemaker services
- 家政服务：每小时30美元
Remember, the cost of long-term care depends on the type and duration of care you need, the provider you use, and where you live.
请记住，长期护理的费用取决于您所需的护理类型和持续时间、所使用的服务提供者以及您所居住的地点。
How Much Care Will You Need
您需要多少护理
The duration and level of long-term care will vary from person to person and often change over time. Here are some statistics to take into account:
长期护理的持续时间和级别因人而异，且往往随着时间变化。以下是一些统计数据供您参考：
- Someone turning age 65 today has almost a 70% chance of needing some type of long-term care services and supports in their remaining years.
- 今天65岁的人几乎有70%的机会在余生中需要某种类型的长期护理服务和支持
- Women need care longer (3.7 years) than men (2.2 years).
- 女性需要护理的时间更长（3.7年）而男性为2.2年
- One-third of today’s 65 year-olds may never need long-term care support, but 20 percent will need it for longer than 5 years.
- 当今的65岁人群中，三分之一的人可能永远不需要长期护理支持，但20%的人将需要超过5年的支持
As you can see there are many issues surrounding buying long term care insurance. We know you have questions so give us a call and let's sort them out.
如您所见，购买长期护理保险涉及许多问题。我们知道您有疑问，欢迎给我们打电话，让我们一起解决这些问题。