top of page
Senior couple hugging

"Long Term Care"

롱텀케어는 은퇴후 자산을 보호하기 위한

매우 중요한 안전장치 입니다.


롱텀케어 보험은 누군가의 도움이 없이는 혼자서 기본 생활을 영위하지 못할 때 유용하게 사용될 수 있습니다. 


대부분의 사람들은 롱텀케어가 필요할 때가 되어서야 그 준비의 필요성을 절감합니다

  • 2030년까지 매일 1만명의 베이비부머가 65세가 되며 10명중에 7명은 살아계신동안 일정 수준의 롱텀케어가 필요하다고 합니다. 

  • 5명중에 한명, 즉 20%는 케어가 5년이상 필요하다고 합니다.

  • 2019년 미국 전국 평균 가정방문 요양서비스 평균 비용은 $52,624 입니다. 

  • 2019년 미국 전국 평균 Nursing home 비용은 $102,200입니다. (Private Room 기준) ​

​

 내 거주지의 롱텀케어 비용알아보기

​

*자료 출처 longtermcare.acl.gov

롱텀케어: Text

롱텀케어를 준비하는 데에는 다양한 방법들이 있습니다.

한가지의 최고의 상품은 존재하지 않으며, 각 개인의 계획과 재정상황에 맞춰

다양한 상품을 적용하고 검토해 봐야 합니다.

Traditional

Long Term Care

- 비교적 저렴한 비용으로 가입가능
- 롱텀케어로 사용하지 않을 경우 소멸

Happy Women's Day
Loving Couple

Life Insurance

Hybrid Plan

- 생명보험에서 제공하는 사망보상금을 가입자 본인이 케어가 필요할 경우 롱텀케어로 사용할 수

있습니다.
- 롱텀케어로 사용되지 않은 사망보상금은

수혜자에게 상속됩니다.

Asset Based

Long Term Care

- 생명보험 / 연금이 기본 골격
- 롱텀케어 보장성에 보다 집중된 플랜
- 부부가 함께 평생 혜택 보장 가능

Happy Senior Couple
롱텀케어: Projects

유용하게 사용할 수 있는 기타 방법들

  • Chronic Illness Rider in Life Insurance

생명보험 사망보상금의 일부를 케어가 필요할 경우 미리 지급하는 특약

​

  • Lifetime Income Benefit Rider in Annuity

케어가 필요한 경우 노후 생활비 지급금을  추가적 인상하여 지급하는 기능

롱텀케어: Text


©2022 by ryanblueanchor.com

​

All written content on this site is for information purposes only. Opinions expressed herein are solely those of Blue Anchor Insurance Agency & Blue Anchor Advisory Services and our editorial staff. The information contained in this material has been derived from sources believed to be reliable, but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by Blue Anchor Advisory Services, a Registered Investment Advisor in the State of CA. Insurance products and services are offered through Blue Anchor Insurance Agency, an affiliated company. 

The presence of this website shall in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of CA or where otherwise legally permitted. All written content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former Clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.

​

The inclusion of any link is not an endorsement of any products or services by any Insurance Company or Financial Institution. All links have been provided only as a convenience. These include links to websites operated by other government agencies, nonprofit organizations, and private businesses. When you use one of these links, you are no longer on this site and this Privacy Notice will not apply. When you link to another website, you are subject to the privacy of that new site.  When you follow a link to one of these sites neither any Insurance Company, nor any agency, officer, or employee of the Blue Anchor Advisory Services warrants the accuracy, reliability, or timeliness of any information published by these external sites, nor endorses any content, viewpoints, products, or services linked from these systems, and cannot be held liable for any losses caused by reliance on the accuracy, reliability or timeliness of their information. Portions of such information may be incorrect or not current. Any person or entity that relies on any information obtained from these systems does so at her or his own risk.

bottom of page