长期护理保险
Protect your assets, maintain your independence, and ensure quality care when you need it most. Don't let long-term care costs devastate your retirement savings.
保护您的资产,保持独立性,并在最需要时确保优质护理。不要让长期护理费用摧毁您的退休储蓄。
Medicare does NOT cover long-term care. Without proper planning, a single year in a nursing home can cost over $100,000, quickly depleting retirement savings meant to last decades. Long-term care insurance protects your assets and gives you control over your care options.
Medicare不涵盖长期护理。如果没有适当的规划,护理院一年的费用可能超过10万美元,迅速耗尽原本应该持续数十年的退休储蓄。 长期护理保险保护您的资产并让您掌控护理选择。
为什么选择长期护理保险?
生前福利
Access your life insurance death benefit while alive to pay for qualifying long-term care expenses.
在生前使用人寿保险身故赔偿金来支付符合条件的长期护理费用。
居家和机构护理
Coverage for care at home, assisted living facilities, nursing homes, and adult day care centers.
涵盖居家护理、辅助生活设施、护理院和成人日间护理中心的费用。
资产保护
Protect your retirement savings and family assets from being depleted by long-term care costs.
保护您的退休储蓄和家庭资产免受长期护理费用的消耗。
家庭减负
Reduce the emotional and financial burden on family members who might otherwise provide care.
减轻可能需要提供护理的家庭成员的情感和经济负担。
免税福利
Long-term care benefits are typically received tax-free when used for qualified care expenses.
用于合格护理费用时,长期护理福利通常免税。
灵活保障
Choose coverage amounts and benefit periods that match your needs and budget.
选择符合您需求和预算的保障金额和福利期限。
长期护理保障选项
附加长期护理的人寿保险
Combines life insurance death benefit with long-term care coverage through an accelerated benefit rider.
通过加速福利附加险将人寿保险身故赔偿金与长期护理保障相结合。
ADVANTAGES | 优势
Death benefit if LTC not needed
如不需要长期护理仍有身故赔偿金
No use-it-or-lose-it concern
无需担心不用就失效
Tax-free LTC benefits
免税长期护理福利
Guaranteed coverage
保证保障
独立长期护理保险
Traditional long-term care insurance policy dedicated solely to covering care expenses.
专门用于支付护理费用的传统长期护理保险。
ADVANTAGES | 优势
Comprehensive LTC coverage
全面的长期护理保障
Inflation protection options
通胀保护选项
Shared care for couples
夫妻共享护理
Tax deductible premiums (qualified policies)
保费可抵税(合格保单)
混合人寿/长期护理保单
Permanent life insurance with built-in long-term care benefits and return of premium options.
内置长期护理福利和保费返还选项的永久人寿保险。
ADVANTAGES | 优势
Guaranteed premiums
保证保费
Return of premium option
保费返还选项
Cash value accumulation
现金价值积累
Multiple benefit uses
多种福利用途
何时触发福利
慢性疾病
Unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90+ days
90天以上无法完成6项日常生活活动中的2项
认知障碍
Alzheimer's disease or severe cognitive decline requiring supervision
阿尔茨海默症或需要监督的严重认知衰退
重大疾病
Heart attack, stroke, cancer, or other specified critical conditions
心脏病、中风、癌症或其他指定的重大疾病
绝症
Life expectancy of 12-24 months or less (varies by policy)
预期寿命12-24个月或更短(因保单而异)
我们的可信赖合作伙伴
Comprehensive Living Benefits riders on all life insurance policies
所有人寿保险保单均有全面的生前福利附加险
Coverage for Alzheimer's, critical illness, chronic illness, and terminal illness
涵盖阿尔茨海默症、重大疾病、慢性疾病和绝症
No additional cost for basic Living Benefits riders
基本生前福利附加险无额外费用
Flexible benefit acceleration options
灵活的福利加速选项
Specialized long-term care insurance division
专业的长期护理保险部门
Comprehensive facility and home care coverage
全面的机构和居家护理保障
Inflation protection riders available
可选通胀保护附加险
Strong financial backing and claims-paying ability
强大的财务支持和理赔能力
真实成功案例
夫妻为未来护理需求做规划
Client Profile
Ages 55 & 57, healthy, combined income $150,000
55岁和57岁,健康,合计收入15万美元
Solution
FlexLife IUL with $500,000 death benefit and Living Benefits riders for both spouses
FlexLife IUL,50万美元身故赔偿金,双方均有生前福利附加险
Up to $400,000 available for long-term care expenses per person
每人最多40万美元可用于长期护理费用
Coverage for Alzheimer's, chronic illness, and critical illness
涵盖阿尔茨海默症、慢性疾病和重大疾病
Death benefit remains if LTC not needed
如不需要长期护理仍保留身故赔偿金
Cash value growth for retirement supplementation
现金价值增长可补充退休收入
OUTCOME | 结果
Protected $500,000 in retirement assets while ensuring quality care if needed
保护了50万美元退休资产,同时确保需要时有优质护理
单身专业人士保护独立性
Client Profile
Age 60, single, $200,000 in savings, no children nearby
60岁,单身,储蓄20万美元,子女不在附近
Solution
Hybrid Life/LTC policy with $300,000 death benefit and $200,000 LTC pool
混合人寿/长期护理保单,30万美元身故赔偿金和20万美元长期护理资金池
Guaranteed coverage regardless of future health changes
无论未来健康变化如何都有保证保障
Monthly benefit of $6,000 for up to 33 months
每月6000美元福利,最长33个月
Coverage for home care, assisted living, or nursing home
涵盖居家护理、辅助生活或护理院
Return of premium option protects initial investment
保费返还选项保护初始投资
OUTCOME | 结果
Maintained independence and quality of life without burdening family
保持独立性和生活质量,不给家人增加负担
常见问题
什么时候购买长期护理保险最好?
The ideal age is 50-65. Premiums are lower when you're younger and healthier, and you're more likely to qualify medically. Waiting until health issues arise can result in denial or much higher premiums. Many people purchase in their mid-50s to balance affordability with the likelihood of needing care.
理想年龄是50-65岁。年轻健康时保费更低,更有可能通过健康审核。等到出现健康问题可能导致拒保或保费大幅提高。 许多人在50多岁中期购买,以平衡可负担性和需要护理的可能性。
如果我从不需要长期护理怎么办?
This is where hybrid life/LTC policies shine. If you never use the long-term care benefits, your beneficiaries receive the full death benefit. Some policies also offer return of premium riders, ensuring your investment isn't lost. It's insurance that pays out either way - for care or as a death benefit.
这就是混合人寿/长期护理保单的优势所在。如果您从不使用长期护理福利,受益人将获得全额身故赔偿金。 一些保单还提供保费返还附加险,确保您的投资不会损失。这是无论如何都会支付的保险 - 用于护理或作为身故赔偿金。
Medicare涵盖长期护理吗?
No. Medicare only covers short-term skilled nursing care (up to 100 days) following a hospitalization, and only if you're improving. It does NOT cover custodial care (help with daily activities), which is what most people need. Medicaid covers long-term care but only after you've spent down nearly all your assets.
不涵盖。Medicare仅涵盖住院后的短期专业护理(最多100天),且仅在您的情况改善时。它不涵盖监护护理(日常活动帮助), 而这正是大多数人需要的。Medicaid涵盖长期护理,但仅在您几乎花光所有资产后。
计算您的长期护理保费
Get an instant estimate for your long-term care coverage
快速保费计算器
* Estimates are for illustration purposes only. Actual premiums may vary.