What to Look for in an Extended-Care Policy
延伸医疗保险可能很复杂. Here's a list of questions to ask that may help you better understand the costs and benefits of these policies.
涵盖哪些类型的设施? Extended-care policies can cover nursing home care, 家庭保健, 暂息护理的, 临终关怀, 在家进行个人护理, 辅助生活设施, 成人日托中心, 以及其他社区设施. Many policies cover some combination of these. Ask what facilities are included when you're considering a policy.
What is the daily, weekly, or monthly benefit amount? Policies normally pay benefits by the day, week, or month. You may want to evaluate how (and how much) eldercare facilities in your area charge for their services before committing to a policy.
最高福利金额是多少? Many policies limit the total benefit they'll pay over the life of the contract. Some state this limit in years, others in total dollar amount. 一定要回答这个问题.
什么是淘汰期? Extended-care policy benefits don't necessarily start when you enter a nursing home. Most policies have an elimination period – a timeframe during which the insured is wholly responsible for the cost of care. 在许多政策中, 淘汰期是30, 60, or 90 days after nursing home entry or disability.1
Does the policy offer inflation protection? Adding inflation protection to a policy may increase its cost, but it could be very important as the price of extended care may increase significantly over time.
福利何时被触发? 保险公司为此设定了一些标准. 一般, extended-care policies pay out benefits when the insured person cannot perform 2 to 3 out of six activities of daily living (ADLs) without assistance. 六项活动, 被大多数保险公司引用, 包括洗澡, 照顾尿失禁, 沙拉酱, 吃, 个人卫生, 和转移. A medical evaluation of Alzheimer's disease or other forms of dementia may also make the insured eligible for benefits.2
政策税是否合格? In such a case, the policyholder may be eligible for a federal or state tax break. 根据联邦法律和一些州法律, premiums paid on a tax-qualified extended-care policy are considered tax-deductible medical expenses once certain thresholds are met. The older you are, the more you may be able to deduct under federal law. You must itemize deductions to qualify for such a tax break, of course.3
记住, this article is for informational purposes only and is not a replacement for real-life advice, so make sure to consult your tax professional before modifying your extended-care strategy.
保险公司有多强? There are several firms that analyze the financial strength of insurance companies. Their ratings can give you some perspective.
There are many factors to consider when reviewing extended-care policies. The best policy for you may depend on a variety of factors, including your own unique circumstances and financial goals.
1. ACL.政府,2022
2. Investopedia.com, 2022
3. AALTCI.org, 2022
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