{"id":952,"date":"2024-07-21T13:16:08","date_gmt":"2024-07-21T05:16:08","guid":{"rendered":"https:\/\/choozseo.com\/blog\/finance\/is-it-necessary-to-buy-long-term-care-insurance-rethinking-the-need-for-long-term-care\/"},"modified":"2024-07-21T13:16:08","modified_gmt":"2024-07-21T05:16:08","slug":"is-it-necessary-to-buy-long-term-care-insurance-rethinking-the-need-for-long-term-care","status":"publish","type":"post","link":"https:\/\/choozseo.com\/blog\/finance\/is-it-necessary-to-buy-long-term-care-insurance-rethinking-the-need-for-long-term-care\/","title":{"rendered":"\u9577\u7167\u96aa\u4e00\u5b9a\u8981\u8cb7\u55ce\uff1f\u91cd\u65b0\u601d\u8003\u9577\u671f\u7167\u9867\u7684\u5fc5\u8981\u6027"},"content":{"rendered":"<p>\u96a8\u8457\u4eba\u53e3\u8001\u5316\u548c\u5c11\u5b50\u5316\u7684\u554f\u984c\u65e5\u76ca\u56b4\u91cd\uff0c\u9577\u671f\u7167\u9867\u96aa\uff08\u7c21\u7a31\u9577\u7167\u96aa\uff09\u6210\u70ba\u8a31\u591a\u5bb6\u5ead\u7684\u91cd\u8981\u8003\u91cf\u3002\u9577\u7167\u96aa\u7684\u4e3b\u8981\u76ee\u7684\u5728\u65bc\u4fdd\u969c\u5728\u5931\u80fd\u6216\u5931\u667a\u72c0\u6cc1\u4e0b\u6240\u9700\u7684\u9577\u671f\u7167\u9867\u8cbb\u7528\uff0c\u7136\u800c\uff0c\u662f\u5426\u6bcf\u500b\u4eba\u90fd\u5fc5\u9808\u8cfc\u8cb7\u9577\u7167\u96aa\uff0c\u9019\u662f\u4e00\u500b\u503c\u5f97\u6df1\u5165\u8a0e\u8ad6\u7684\u554f\u984c\u3002<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u986f\u793a\/\u96b1\u85cf\u5167\u5bb9\u76ee\u9304\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/choozseo.com\/blog\/finance\/is-it-necessary-to-buy-long-term-care-insurance-rethinking-the-need-for-long-term-care\/#%E9%95%B7%E7%85%A7%E9%9A%AA%E7%9A%84%E8%83%8C%E6%99%AF%E8%88%87%E7%99%BC%E5%B1%95\" >\u9577\u7167\u96aa\u7684\u80cc\u666f\u8207\u767c\u5c55<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/choozseo.com\/blog\/finance\/is-it-necessary-to-buy-long-term-care-insurance-rethinking-the-need-for-long-term-care\/#%E9%95%B7%E7%85%A7%E9%9A%AA%E8%88%87%E5%A4%B1%E8%83%BD%E9%9A%AA%E7%9A%84%E5%8D%80%E5%88%A5\" >\u9577\u7167\u96aa\u8207\u5931\u80fd\u96aa\u7684\u5340\u5225<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/choozseo.com\/blog\/finance\/is-it-necessary-to-buy-long-term-care-insurance-rethinking-the-need-for-long-term-care\/#%E5%B8%B8%E8%A6%8B%E5%95%8F%E7%AD%94\" >\u5e38\u898b\u554f\u7b54<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/choozseo.com\/blog\/finance\/is-it-necessary-to-buy-long-term-care-insurance-rethinking-the-need-for-long-term-care\/#%E8%A6%81%E8%B3%BC%E8%B2%B7%E9%95%B7%E7%85%A7%E9%9A%AA%E7%9A%84%E7%90%86%E7%94%B1\" >\u8981\u8cfc\u8cb7\u9577\u7167\u96aa\u7684\u7406\u7531<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/choozseo.com\/blog\/finance\/is-it-necessary-to-buy-long-term-care-insurance-rethinking-the-need-for-long-term-care\/#%E5%AE%B6%E5%BA%AD%E6%95%B4%E9%AB%94%E7%9A%84%E8%80%83%E9%87%8F\" >\u5bb6\u5ead\u6574\u9ad4\u7684\u8003\u91cf<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/choozseo.com\/blog\/finance\/is-it-necessary-to-buy-long-term-care-insurance-rethinking-the-need-for-long-term-care\/#%E6%8A%95%E4%BF%9D%E5%89%8D%E9%9C%80%E6%B3%A8%E6%84%8F%E7%9A%84%E4%BA%8B%E9%A0%85\" >\u6295\u4fdd\u524d\u9700\u6ce8\u610f\u7684\u4e8b\u9805<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/choozseo.com\/blog\/finance\/is-it-necessary-to-buy-long-term-care-insurance-rethinking-the-need-for-long-term-care\/#%E7%B5%90%E8%AB%96\" >\u7d50\u8ad6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/choozseo.com\/blog\/finance\/is-it-necessary-to-buy-long-term-care-insurance-rethinking-the-need-for-long-term-care\/#%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C\" >\u5e38\u898b\u554f\u984c<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%E9%95%B7%E7%85%A7%E9%9A%AA%E7%9A%84%E8%83%8C%E6%99%AF%E8%88%87%E7%99%BC%E5%B1%95\"><\/span>\u9577\u7167\u96aa\u7684\u80cc\u666f\u8207\u767c\u5c55<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u6839\u64da\u884c\u653f\u9662\u4e3b\u8a08\u7e3d\u8655\u7684\u8cc7\u6599\uff0c\u53f0\u70632018\u5e74\u7684\u4eba\u5747\u58fd\u547d\u9054\u523080.9\u6b72\uff0c\u9019\u610f\u5473\u8457\u4eba\u5011\u5c07\u6703\u9762\u81e8\u66f4\u9577\u6642\u9593\u7684\u9000\u4f11\u751f\u6d3b\u3002\u800c\u5728\u9577\u671f\u751f\u6d3b\u4e2d\uff0c\u5931\u80fd\u6216\u5931\u667a\u7684\u98a8\u96aa\u4e0d\u5bb9\u5ffd\u8996\u3002\u6c11\u570b107\u5e746\u6708\u6642\u4fee\u6b63\u4e86\u300c\u4fdd\u96aa\u6cd5\u300d\uff0c\u91dd\u5c0d\u9577\u7167\u96aa\u7684\u689d\u6b3e\u9032\u884c\u4e86\u8abf\u6574\uff0c\u8b93\u9019\u985e\u4fdd\u96aa\u6108\u52a0\u53d7\u5230\u95dc\u6ce8\u3002<\/p>\n<p>\u7576\u524d\u7684\u9577\u7167\u96aa\u901a\u5e38\u5c6c\u65bc\u300c\u7d42\u8eab\u578b\u300d\uff0c\u4fdd\u8cbb\u8f03\u9ad8\uff0c\u9019\u4e5f\u5f15\u8d77\u4e86\u4e0d\u5c11\u4eba\u7684\u8cea\u7591\uff1a<strong>\u9577\u7167\u96aa\u8981\u4fdd\u55ce\uff1f<\/strong>\u5373\u4fbf\u5982\u6b64\uff0c\u6839\u64da\u5c08\u5bb6\u7684\u5efa\u8b70\uff0c\u82e5\u6253\u7b97\u8cfc\u8cb7\u9577\u7167\u96aa\uff0c\u6bcf\u6708\u4fdd\u984d\u61c9\u81f3\u5c11\u8003\u616e4.5\u842c\u5143\u7684\u4fdd\u969c\uff0c\u4ee5\u61c9\u5c0d\u672a\u4f86\u53ef\u80fd\u7684\u9577\u671f\u7167\u9867\u9700\u6c42\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E9%95%B7%E7%85%A7%E9%9A%AA%E8%88%87%E5%A4%B1%E8%83%BD%E9%9A%AA%E7%9A%84%E5%8D%80%E5%88%A5\"><\/span>\u9577\u7167\u96aa\u8207\u5931\u80fd\u96aa\u7684\u5340\u5225<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u8a31\u591a\u4eba\u5728\u8003\u616e\u9577\u7167\u96aa\u6642\uff0c\u5f80\u5f80\u6703\u5c07\u5176\u8207\u5931\u80fd\u96aa\uff08\u5931\u80fd\u6276\u52a9\u96aa\uff09\u6df7\u6dc6\u3002\u9577\u7167\u96aa\u4e3b\u8981\u91dd\u5c0d\u56e0\u6a5f\u80fd\u55aa\u5931\u800c\u9700\u8981\u9577\u671f\u7167\u9867\u7684\u60c5\u6cc1\u63d0\u4f9b\u4fdd\u969c\uff0c\u800c\u5931\u80fd\u96aa\u5247\u91dd\u5c0d\u7531\u65bc\u610f\u5916\u6216\u75be\u75c5\u9020\u6210\u7684\u77ed\u671f\u5931\u80fd\u60c5\u6cc1\u3002<\/p>\n<table>\n<thead>\n<tr>\n<th>\u578b\u5225<\/th>\n<th>\u7406\u8ce0\u689d\u4ef6<\/th>\n<th>\u7406\u8ce0\u91d1\u984d<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u9577\u7167\u96aa<\/td>\n<td>\u9700\u8981\u9577\u671f\u7167\u9867<\/td>\n<td>\u6bcf\u6708\u81f3\u5c114.5\u842c<\/td>\n<\/tr>\n<tr>\n<td>\u5931\u80fd\u96aa<\/td>\n<td>\u77ed\u671f\u5931\u80fd\uff0c\u9700\u5b9a\u671f\u8a55\u4f30<\/td>\n<td>\u8996\u4fdd\u55ae\u800c\u5b9a<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"%E5%B8%B8%E8%A6%8B%E5%95%8F%E7%AD%94\"><\/span>\u5e38\u898b\u554f\u7b54<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ol>\n<li><strong>\u9577\u7167\u96aa\u662f\u5426\u771f\u7684\u5fc5\u8981\uff1f<\/strong><\/li>\n<li>\n<p>\u96a8\u8457\u9ad8\u9f61\u5316\u793e\u6703\u7684\u5230\u4f86\uff0c\u82e5\u672a\u4f86\u9762\u81e8\u5931\u80fd\u7684\u98a8\u96aa\uff0c\u9577\u7167\u96aa\u80fd\u63d0\u4f9b\u8207\u5b50\u5973\u76f8\u5c0d\u7368\u7acb\u7684\u7167\u8b77\u8ca1\u52d9\u652f\u63f4\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u5982\u679c\u8cfc\u8cb7\u5931\u80fd\u96aa\uff0c\u9084\u9700\u4e0d\u9700\u8981\u9577\u7167\u96aa\uff1f<\/strong><\/p>\n<\/li>\n<li>\n<p>\u5931\u80fd\u96aa\u591a\u6578\u662f\u91dd\u5c0d\u77ed\u671f\u5931\u80fd\uff0c\u82e5\u5e0c\u671b\u7372\u5f97\u9577\u671f\u7167\u8b77\u7684\u4fdd\u969c\uff0c\u9577\u7167\u96aa\u4ecd\u662f\u5fc5\u8981\u7684\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u662f\u5426\u61c9\u8a72\u8003\u616e\u4fdd\u96aa\u7684\u5e74\u9f61\uff1f<\/strong><\/p>\n<\/li>\n<li>\u6295\u4fdd\u7684\u5e74\u9f61\u8d8a\u65e9\uff0c\u4fdd\u8cbb\u76f8\u5c0d\u8f03\u4f4e\uff0c\u61c9\u8b39\u614e\u898f\u5283\uff0c\u5efa\u8b7040\u591a\u6b72\u621645\u6b72\u4e4b\u524d\u8cfc\u8cb7\u8f03\u70ba\u7406\u60f3\u3002<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"%E8%A6%81%E8%B3%BC%E8%B2%B7%E9%95%B7%E7%85%A7%E9%9A%AA%E7%9A%84%E7%90%86%E7%94%B1\"><\/span>\u8981\u8cfc\u8cb7\u9577\u7167\u96aa\u7684\u7406\u7531<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u96a8\u8457\u751f\u6d3b\u6210\u672c\u7684\u4e0d\u65b7\u4e0a\u5347\uff0c\u5c24\u5176\u662f\u8b77\u7406\u548c\u7167\u8b77\u7684\u8cbb\u7528\uff0c\u6c92\u6709\u9069\u7576\u7684\u4fdd\u96aa\u4fdd\u969c\uff0c\u5bb6\u5ead\u53ef\u80fd\u9762\u81e8\u5de8\u5927\u7684\u8ca1\u52d9\u58d3\u529b\u3002\u5c24\u5176\u5728\u53f0\u7063\uff0c\u9577\u71672.0\u5236\u5ea6\u50c5\u63d0\u4f9b\u6709\u9650\u7684\u88dc\u52a9\uff0c\u5982\u7121\u8db3\u5920\u7684\u5132\u84c4\u6216\u4fdd\u96aa\uff0c\u5c07\u5c0d\u5bb6\u5ead\u6210\u54e1\u9020\u6210\u8ca0\u64d4\u3002\u56e0\u6b64\uff0c<strong>\u9577\u7167\u96aa\u8981\u8cb7\u55ce<\/strong>\u5e7e\u4e4e\u8b8a\u6210\u4e86\u5fc5\u7136\u9078\u64c7\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%E5%AE%B6%E5%BA%AD%E6%95%B4%E9%AB%94%E7%9A%84%E8%80%83%E9%87%8F\"><\/span>\u5bb6\u5ead\u6574\u9ad4\u7684\u8003\u91cf<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u9577\u7167\u96aa\u7684\u9700\u6c42\u4e0d\u50c5\u662f\u500b\u4eba\u7684\u554f\u984c\uff0c\u66f4\u662f\u6574\u500b\u5bb6\u5ead\u9762\u5c0d\u7684\u6311\u6230\u3002\u82e5\u672a\u4f86\u9700\u8981\u9577\u671f\u7167\u8b77\uff0c\u5bb6\u5ead\u6210\u54e1\u7684\u751f\u6d3b\u54c1\u8cea\u53ef\u80fd\u53d7\u5230\u5f71\u97ff\uff0c\u5c24\u5176\u662f\u5c0d\u65bc\u5e74\u8f15\u4e00\u4ee3\u4f86\u8aaa\uff0c\u9019\u53ef\u80fd\u662f\u4e00\u6b21\u8ca1\u52d9\u4e0a\u7684\u91cd\u64d4\u3002\u56e0\u6b64\uff0c\u5728\u8003\u616e\u9577\u7167\u96aa\u7684\u6642\u5019\uff0c\u4e0d\u59a8\u5c07\u5bb6\u5ead\u7684\u6574\u9ad4\u9700\u6c42\u653e\u5728\u7b2c\u4e00\u4f4d\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E6%8A%95%E4%BF%9D%E5%89%8D%E9%9C%80%E6%B3%A8%E6%84%8F%E7%9A%84%E4%BA%8B%E9%A0%85\"><\/span>\u6295\u4fdd\u524d\u9700\u6ce8\u610f\u7684\u4e8b\u9805<span 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