Længere levetid og stigende sundhedsomkostninger får investorer til at planlægge for udækkede plejeomkostninger – især i forbindelse med pensionering.
According to the US Centers for Medicare and Medicaid Services, the US spent approximately $4.5 trillion on health care in 2022, or nearly $13,500 per person.1 Overall, spending rose 4.1% in 2022.1 As spending rises, patients are also shouldering a larger share of treatment costs—driving up out-of-pocket expenses. The elderly, who require the most care and may live far from family, often bear the brunt of the costs, which can quickly drain retirement accounts.
Such numbers show the importance of taking steps to help minimize your financial exposure to uncovered medical costs, which could potentially include long-term care expenses. However, unlike retirement planning where you are saving to afford a desired lifestyle after your working years, planning for the less exciting aspects of aging can be more challenging.
Her er nogle faktorer, du måske vil overveje:
Forskning viser, at et gennemsnitligt 65-årigt par står over for en 75 % chance for, at den ene partner har brug for et betydeligt niveau af langtidspleje.2
One year in a private room in a nursing home costs approximately $116,800 today and is projected to reach $210,954 in 20 years.3 Even with a robust portfolio, you may have trouble handling such large costs with savings on hand. Mange voksne er bekymrede over, hvad stigende sundhedsudgifter kan betyde for deres økonomiske fremtid. Mere end halvdelen har ikke en plan for, hvordan man betaler for en kronisk lidelse i pensionsalderen.4
Skulle du støde på medicinske problemer, kan omkostningerne nogle gange være høje. Some people, for example, may not be aware of the uninsured costs they’d face if they were to experience a major health event such as a stroke, which may require prolonged assistance.
Medicare Part A dækker pleje på plejehjem i en begrænset periode, men kun efter en kvalificeret indlæggelse. However, Medicare will not pay for nursing homes when custodial care is the only care needed, nor will it pay for care for conditions such as Alzheimer’s disease.5 Patients suffering from Alzheimer’s or other cognitive ailments often require hands-on assistance for many years.6
I dine 30'ere eller begyndelsen af 40'erne kan du veje dine pensionsfinansieringsstrategier mod en portefølje af investeringsforeninger eller en administreret kontoløsning.
Når folk når 30'erne, har de en tendens til at have en ret god idé om den livsstil, de ønsker at forfølge, selv når de går på pension. At inkludere omkostningerne ved langtidspleje i din pensionsordning kan gøre det lettere at nyde den livsstil. Der er flere måder at spare op til pension med dine fremtidige sundhedsbehov i tankerne.
In your 30s or early 40s, you may weigh your retirement-funding strategies toward a portfolio of mutual funds or a managed-account solution to provide upside exposure to the market. Given lower premiums and potential for benefit growth in some products, younger policy holders may also consider long-term care insurance, which can help cover the cost of a nursing home stay and in-home assistance with daily living.
I dag findes der generelt tre hovedtyper af langtidsplejeforsikringer:
Another option for funding long-term care expenses is to withdraw or borrow money from life insurance policies or generate income from annuities. You should review these options with your financial professional and tax advisor to understand how loans or withdrawals from insured solutions may impact future values of those products that may be earmarked for other planning goals as well as any potential tax ramifications from accessing these cash values.
As health care costs continue to rise, it’s important to understand the options you have to help control your financial exposure to uncovered care costs. Når du overvejer, hvordan du finansierer dine udgifter til langtidspleje, skal du altid huske på individuelle mål og tidslinjer.
Artikelfodnoter
1 CMS.gov, "NHE Fact Sheet", https://www.cms.gov/data-research/statistics-trends-and reports/national-health-expenditure-data/nhe-fact-sheet
2 LongTermCare.gov, "Hvor meget pleje vil du have brug for?", https://acl.gov/ltc/basic-needs/how-much-care-will-you-need
3 Genworth 2023 Cost of Care Survey, conducted by CareScout®, September-December 2023 Cost estimate based on 365 days of care, Estimates how much care might cost in future years based on 3% annual inflation, https://www.genworth.com/aging-and-you/finances/cost-of-care.html
4 The Nationwide Retirement Institute:2024 Health Care Costs in Retirement Consumer Survey, https://www.nationwide.com/lc/resources/investing-and-retirement/articles/health-care-survey-results
5 Medicare.gov, "Skilled nursing facility (SNF) care", 2024, https://www.medicare.gov/coverage/skilled-nursing-facility-snf-care
6 Mayoclinic.org, "Alzheimers stadier:Hvordan sygdommen skrider frem," juni 2023, https://www.mayoclinic.org/diseases-conditions/alzheimers-disease/in-depth/alzheimers-stages/art-20048448#:~:text=The%20rate%20of%20progression%20for,diagnosis%20can%20affect%20life%20expectancy
Kilden til denne artikel, Planlægning til finansiering af langtidsplejeudgifter, blev oprindeligt offentliggjort den 31. oktober 2024.
CRC# 3816066 11/2024