{"id":452761,"date":"2025-08-15T17:10:12","date_gmt":"2025-08-16T00:10:12","guid":{"rendered":"https:\/\/icitynews.com\/?p=452761"},"modified":"2025-08-15T17:10:12","modified_gmt":"2025-08-16T00:10:12","slug":"%e7%be%8e%e5%9b%bd%e9%95%bf%e6%9c%9f%e6%8a%a4%e7%90%86%e7%8e%b0%e7%8a%b6%ef%bc%9a%e6%82%a8%e5%87%86%e5%a4%87%e5%a5%bd%e4%ba%86%e5%90%97%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=452761","title":{"rendered":"\u7f8e\u56fd\u957f\u671f\u62a4\u7406\u73b0\u72b6\uff1a\u60a8\u51c6\u5907\u597d\u4e86\u5417\uff1f"},"content":{"rendered":"<p>\u6839\u636e Census.gov\uff082024 \u5e74\u4eba\u53e3\u666e\u67e5\u6570\u636e\uff09\uff0c\u622a\u81f3 2024 \u5e74\uff0c\u7f8e\u56fd 65 \u5c81\u53ca\u4ee5\u4e0a\u4eba\u53e3\u5df2\u8fbe 6,120 \u4e07\u4eba\uff0c\u5360\u603b\u4eba\u53e3\u7684 18.0%\uff0c\u800c 18 \u5c81\u4ee5\u4e0b\u4eba\u53e3\u5360\u6bd4\u4e0b\u964d\u81f3 21.5%\u3002Retired Americans \u7684\u7edf\u8ba1\u663e\u793a\uff0c\u5df2\u6709\u8d85\u8fc7 20 \u4e2a\u5dde\u7684\u8001\u5e74\u4eba\u53e3\u6570\u91cf\u8d85\u8fc7\u513f\u7ae5\u4eba\u6570\u3002<\/p>\n<p>\u6b64\u5916\uff0cInvestopedia \u4e0e SeniorLiving.org \u62a5\u544a\u6307\u51fa\uff1a\u5728 65 \u5c81\u53ca\u4ee5\u4e0a\u7684\u7f8e\u56fd\u4eba\u4e2d\uff0c\u6bcf 3 \u4f4d\u5c31\u6709 1 \u4f4d\u9700\u8981\u67d0\u79cd\u5f62\u5f0f\u7684\u957f\u671f\u62a4\u7406\uff0c\u5176\u4e2d 20% \u53ef\u80fd\u9700\u8981\u8d85\u8fc7 5 \u5e74\u7684\u7167\u62a4\u670d\u52a1\u3002\u4eba\u53e3\u8001\u9f84\u5316\u5df2\u6210\u9ad8\u538b\u6001\u52bf\uff0c\u672a\u6765\u957f\u671f\u62a4\u7406\u9700\u6c42\u5c06\u8feb\u5728\u7709\u776b\u3002<strong><br \/>\n<\/strong><strong>\u957f\u671f\u62a4\u7406\u6210\u672c\u98d9\u5347\uff0c\u5bb6\u5ead\u96be\u4ee5\u627f\u53d7<br \/>\n<\/strong>\u6839\u636eGenworth \u6700\u65b0\u6570\u636e\u663e\u793a\uff082024 \u5e74\u6570\u636e\uff09\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<td>\u670d\u52a1\u7c7b\u578b<\/td>\n<td>\u5e74\u5747\u8d39\u7528<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u5bb6\u5ead\u62a4\u7406 (Home Health Aide)<\/td>\n<td>$77,792<\/td>\n<\/tr>\n<tr>\n<td>\u8f85\u52a9\u751f\u6d3b\u793e\u533a (Assisted Living)<\/td>\n<td>$70,800<\/td>\n<\/tr>\n<tr>\n<td>\u62a4\u7406\u9662\u5355\u95f4(Nursing Home, Private Room)<\/td>\n<td>$127,750<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u53e6\u5916\uff0c\u6839\u636e 2025 \u5e74\u4f30\u7b97\uff0c\u7f8e\u56fd\u62a4\u7406\u9662\u5355\u95f4\u7684\u6708\u5747\u8d39\u7528\u5df2\u8fbe $10,965\uff08\u5e74\u7ea6 $131,580\uff09<br \/>\n\u8fd9\u4e9b\u8d39\u7528\u8fdc\u9ad8\u4e8e\u517b\u62a4\u5bb6\u5ead\u50a8\u84c4\u6c34\u5e73\uff0c\u82e5\u65e0\u4fdd\u9669\u4fdd\u969c\uff0c\u5c06\u8fc5\u901f\u541e\u566c\u9000\u4f11\u8d44\u4ea7\u3002<\/p>\n<p><strong>\u6709\u7ea2\u84dd\u5361\u6216\u8005\u767d\u5361, \u53ef\u4ee5\u4e0d\u4e70\u957f\u671f\u62a4\u7406\u7684\u4ea7\u54c1\u5417?<br \/>\n<\/strong>\u5f88\u591a\u4eba\u4ee5\u4e3a\u6ee1\u4e8665\u5c81\u540e\uff0c\u6211\u4eec\u7684\u7ea2\u84dd\u5361(Medicare\/Medigap)\u4f1a\u652f\u4ed8\u957f\u671f\u62a4\u7406\u7684\u8d39\u7528\u3002<\/p>\n<p><strong>\u4f46\u7ea2\u84dd\u5361\u901a\u5e38\u60c5\u51b5\u4e0b\u4e0dcover\u957f\u671f\u62a4\u7406\u7684\u8d39\u7528\u3002\u767d\u5361(Medicaid)\u662f\u9488\u5bf9\u4f4e\u6536\u5165\u4eba\u7fa4\u63d0\u4f9b\u7684\u793e\u4f1a\u6551\u52a9\u6027\u8d28\u7684\u533b\u7597\u8ba1\u5212\u3002<\/strong>\u8be5\u8ba1\u5212\u9650\u5236\u9009\u62e9\u62a4\u7406\u673a\u6784\u7684\u81ea\u7531\uff0c<strong>\u4ec5\u4fdd\u969c\u90e8\u5206\u957f\u671f\u62a4\u7406\u8d39\u7528\u3002<\/strong>\u7531\u6b64\u53ef\u89c1\uff0c\u533b\u7597\u6551\u52a9\u8ba1\u5212\u63d0\u4f9b\u7684\u957f\u671f\u62a4\u7406\u4fdd\u969c\u9488\u5bf9\u4f4e\u6536\u5165\u4eba\u7fa4\u8bbe\u8ba1\uff0c<strong>\u666e\u901a\u4eba\u53ea\u6709\u5728\u56e0\u652f\u4ed8\u957f\u671f\u62a4\u7406\u8d39\u7528\u53d1\u751f\u7834\u4ea7\u540e\u624d\u53ef\u4ee5\u5f97\u5230\u76f8\u5e94\u7684\u793e\u4f1a\u4fdd\u969c\u3002<\/strong><\/p>\n<p>\u7531\u6b64\u53ef\u89c1\u8054\u90a6\u548c\u5dde\u653f\u5e9c\u7684\u798f\u5229\u662f\u6bd4\u8f83\u6709\u9650\u7684\uff0c\u800c\u4e14\u9700\u8981\u7b26\u5408\u4e00\u5b9a\u7684\u6761\u4ef6\u3002\u4f46\u6709\u4eba\u4f1a\u8bf4\u6211\u53ef\u4ee5\u4f9d\u9760\u6211\u7684\u5b50\u5973\u6216\u5bb6\u5ead\u6210\u5458\uff0c\u4f46\u662f\u4ed6\u4eec\u7684\u5e74\u9f84\u4e5f\u5728\u589e\u957f\uff0c\u6216\u8005\u6709\u81ea\u5df1\u7684\u4e8b\u60c5\u8981\u5fd9\uff0c\u5373\u4f7f\u53ef\u4ee5\u7167\u770b\uff0c\u4e5f\u4e0d\u591f\u4e13\u4e1a\uff0c\u5f88\u591a\u4eba\u90fd\u8fd8\u662f\u9700\u8981\u8bf7\u4e13\u4e1a\u7684\u770b\u62a4\u4eba\u5458\uff0c\u8d39\u7528\u4e5f\u4e0d\u4f4e\u3002<\/p>\n<p>\u7814\u7a76\u6307\u51fa\uff1a<\/p>\n<ul>\n<li>\u8d85\u8fc7 60% \u7684\u62a4\u7406\u9662\u4f4f\u6237\u4f9d\u9760 Medicaid \u652f\u4ed8<a href=\"https:\/\/www.marketwatch.com\/story\/why-the-medicaid-chainsaw-will-come-for-your-home-7894061a?utm_source=chatgpt.com\">Genworth Financial<\/a><\/li>\n<li>\u591a\u6570\u7f8e\u56fd\u4eba\u5bf9\u957f\u671f\u7167\u62a4\u8d39\u7528\u4e25\u91cd\u4f4e\u4f30\uff0c\u4fdd\u9669\u8986\u76d6\u7387\u4ec5\u4e0d\u5230 5%<\/li>\n<li>\u5728\u75ab\u60c5\u5f71\u54cd\u4e0b\uff0c\u201c\u4e09\u660e\u6cbb\u4e00\u4ee3\u201d\uff08\u540c\u65f6\u8d61\u517b\u8001\u4eba\u548c\u517b\u80b2\u5b50\u5973\u8005\uff09\u66f4\u9677\u5165\u8d22\u52a1\u4e0e\u60c5\u611f\u53cc\u91cd\u538b\u529b<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>\u957f\u671f\u62a4\u7406\u4fdd\u9669\uff0c\u8ba9\u60a8\u5b89\u4eab\u665a\u5e74<br \/>\n<\/strong>\u65e2\u7136\u516c\u5171\u798f\u5229\u4e0e\u5bb6\u5ead\u652f\u6491\u96be\u4ee5\u5b8c\u5168\u8986\u76d6\u957f\u671f\u7167\u62a4\u6210\u672c\uff0c\u957f\u671f\u62a4\u7406\u4fdd\u9669\u6210\u4e3a\u91cd\u8981\u9009\u9879\u3002\u4e3b\u8981\u7c7b\u578b\u6709\u4e24\u79cd\uff1a<br \/>\n<strong>\u3010\u4f20\u7edf\u7684\u957f\u671f\u62a4\u7406\u4fdd\u9669\u3011<\/strong><\/p>\n<p>\u4f20\u7edf\u7684\u957f\u671f\u62a4\u7406\u4fdd\u9669\u662f\u91c7\u53d6\u201c\u4f7f\u7528\u5b83\u6216\u5931\u53bb\u5b83\u201d\u7684\u653f\u7b56\uff0c\u5e76\u4e14\u9700\u8981\u6536\u636e\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u9700\u8981\u901a\u8fc7\u6dfb\u52a0\u9644\u52a0\u6761\u6b3e\u6765\u589e\u52a0\u517b\u8001\u9662\u548c\u5bb6\u5ead\u62a4\u7406\u7684\u8d54\u4ed8\uff0c\u800c\u4e14\u5fc5\u987b\u662f\u6709\u4e13\u4e1a\u6267\u7167\u4eba\u58eb\u7684\u770b\u62a4\u624d\u80fd\u7b26\u5408\u6761\u4ef6\u3002<\/p>\n<p><strong>\u3010\u201c\u6df7\u5408\u578b\u201d\u957f\u671f\u62a4\u7406\u4fdd\u9669\u3011<\/strong><\/p>\n<p>\u6240\u8c13\u201c\u6df7\u5408\u578b\u201d\u957f\u671f\u62a4\u7406\u4fdd\u9669\u5373\u662f\u4eba\u5bff\u4fdd\u9669\u548c\u957f\u671f\u62a4\u7406\u4fdd\u9669\u7684\u6df7\u5408\uff0c\u53ea\u9700\u8981\u6ee1\u8db3\u201c\u89e6\u53d1\u60c5\u51b5\u201d\uff0c\u5373\u53ef\u4ee5\u8ddf\u4fdd\u9669\u516c\u53f8\u7533\u8bf7\u4f7f\u7528\uff1a<\/p>\n<p>\u7f8e\u56fd\u4fdd\u9669\u4e1a\u89c4\u8303\u4e866\u9879\u4eba\u7684\u57fa\u672c\u751f\u7406\u673a\u80fd\uff1a\u5403\u996d\uff0c\u7a7f\u8863\uff0c\u6d17\u6fa1\uff0c\u5982\u5395\uff0c\u884c\u52a8\uff0c\u5927\u5c0f\u4fbf\u81ea\u63a7\u3002\u5982\u679c\u533b\u751f\u8bca\u65ad\u51fa\u5176\u4e2d\u81f3\u5c112\u9879\u673a\u80fd\u53d7\u635f\uff0c\u751f\u6d3b\u4e0d\u80fd\u81ea\u7406\uff0c\u9700\u8981\u8bf7\u4eba\u5230\u5bb6\u91cc\u6765\u7167\u6599\u4f60\uff0c\u6216\u662f\u4f4f\u5230\u62a4\u7406\u4e2d\u5fc3\u53bb\uff0c\u5305\u62ec\u79c1\u4eba\u7597\u517b\u9662\uff0c\u517b\u8001\u793e\u533a\uff0c\u6210\u4eba\u65e5\u6258\uff0c\u5bb6\u5ead\u770b\u62a4\u7b49\uff0c\u5c31\u53ef\u4ee5\u8ddf\u4fdd\u9669\u516c\u53f8\u7533\u8bf7\u7406\u8d54\u3002<br \/>\n\u636e\u534e\u76db\u987f\u5dde\uff08Washington state\uff09\u6700\u65b0\u8c03\u7814\uff0c\u622a\u81f3 2024 \u5e74\uff0c\u4ec5\u7ea6 3%\u20134% \u7684\u7f8e\u56fd 50 \u5c81\u4ee5\u4e0a\u4eba\u7fa4\u62e5\u6709\u79c1\u4eba\u957f\u671f\u62a4\u7406\u4fdd\u9669\uff08\u5305\u62ec\u4f20\u7edf\u4e0e\u6df7\u5408\u578b\uff09\uff0c\u53cd\u6620\u51fa\u5e02\u573a\u666e\u53ca\u7387\u6781\u4f4e \u3002\u8fd9\u610f\u5473\u7740\u7edd\u5927\u591a\u6570\u4eba\u7f3a\u4e4f\u957f\u671f\u7167\u62a4\u4fdd\u969c\uff0c\u957f\u671f\u4f9d\u8d56\u516c\u5171\u652f\u51fa\u6216\u81ea\u4ed8\uff0c\u800c\u8fd9\u7c7b\u652f\u51fa\u5f80\u5f80\u4f1a\u8fc5\u901f\u8017\u5c3d\u79ef\u84c4\u3002<\/p>\n<p><strong>\u70ed\u95e8\u4ea7\u54c1\u793a\u4f8b<\/strong><\/p>\n<p>\u6709\u4e00\u5bb6\u516c\u53f8\u76ee\u524d\u91cd\u70b9\u63a8\u9500\u7684\u957f\u671f\u62a4\u7406\u4ea7\u54c1, \u662f\u7ed3\u5408\u957f\u671f\u62a4\u7406\u52a0\u5bff\u9669\u529f\u80fd\u7684\u4ea7\u54c1, \u9002\u540840-65\u5c81\u4eba\u58eb\u8d2d\u4e70\u3002\u800c\u4e14, \u4e00\u65e6\u7528\u5b8c\u4ea7\u54c1\u5185\u7684\u6240\u6709\u7684\u957f\u671f\u62a4\u7406\u7684\u8d54\u4ed8\u91d1, \u4ecd\u7559\u6709\u4e00\u70b9\u8eab\u6545\u8d54\u4ed8(Residual Death Benefit)\u5728\u4fdd\u5355\u91cc\u3002\u8fd9\u5bb6\u516c\u53f8\u7684\u957f\u671f\u62a4\u7406\u4ea7\u54c1\u65b9\u6848 &#8212; 55\u5c81\u5df2\u5a5a\u7537\u58eb, \u4fdd\u8d39\u5e74\u671f 5\u5e74, \u6708\u4ed83000\u5143,\u7ec8\u8eab\u6709\u7ea6112\u4e07\u7684\u957f\u671f\u62a4\u7406\u4fdd\u969c, \u4e00\u4e2a\u6708\u53ef\u4ee5cover $15,657\u3002<\/p>\n<ul>\n<li><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-452762\" src=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2025\/08\/1.png\" alt=\"\" width=\"504\" height=\"401\" \/>\u4fdd\u8bc1\u4fdd\u8d39\u548c\u957f\u671f\u770b\u62a4\u7ed9\u4ed8<\/strong><\/li>\n<\/ul>\n<p>\u4fdd\u8d39\u6c38\u8fdc\u4e0d\u4f1a\u589e\u52a0\uff0c\u4e14\u957f\u671f\u770b\u62a4\u7ed9\u4ed8\u6c38\u8fdc\u4e0d\u4f1a\u51cf\u5c11\u3002<\/p>\n<ul>\n<li><strong>\u4fdd\u8bc1\u672c\u91d1<\/strong><br \/>\n\u5982\u679c\u60a8\u4ece\u672a\u4f7f\u7528\u8fc7\u957f\u671f\u7167\u62a4\u7ed9\u4ed8\uff0c\u90a3\u4e48\u8eab\u6545\u7406\u8d54\u91d1\u81f3\u5c11\u7b49\u4e8e\u60a8\u6240\u652f\u4ed8\u7684\u5168\u90e8\u4fdd\u8d39\uff0c\u60a8\u53ef\u4ee5\u5c06\u8fd9\u7b14\u8d44\u91d1\u7559\u7ed9\u53d7\u76ca\u4eba\u3002\u5373\u4f7f\u60a8\u5728\u751f\u524d\u5df2\u7528\u5c3d\u6240\u6709\u7684\u957f\u671f\u7167\u62a4\u7ed9\u4ed8\uff0c\u4fdd\u5355\u4ecd\u4f1a\u4e3a\u60a8\u7684\u53d7\u76ca\u4eba\u63d0\u4f9b\u4e00\u7b14\u4fdd\u8bc1\u7684\u6700\u4f4e\u8eab\u6545\u7406\u8d54\u91d1\uff0c\u786e\u4fdd\u4fdd\u969c\u4e0d\u56e0\u4f7f\u7528\u957f\u671f\u62a4\u7406\u800c\u5b8c\u5168\u6d88\u5931\u3002<\/li>\n<li><strong>\u8de8\u5883\u7ed9\u4ed8<\/strong><\/li>\n<\/ul>\n<p>\u5982\u60a8\u9700\u8981\u5c45\u4f4f\u5728\u7f8e\u56fd\u5883\u5916\uff0c\u4ecd\u7136\u53ef\u4ee5\u4f7f\u7528\u90e8\u5206\u7684\u957f\u671f\u770b\u62a4\u7ed9\u4ed8\u3002<\/p>\n<ul>\n<li><strong>\u901a\u8d27\u81a8\u80c0\u4fdd\u62a4\u9644\u7ea6<\/strong><\/li>\n<\/ul>\n<p>\u53e6\u4e00\u79cd\u60c5\u51b5, \u589e\u52a0\u4e00\u4efd\u9644\u7ea6\u4fdd\u62a4\u81ea\u5df1\u514d\u53d7\u901a\u8d27\u81a8\u80c0\u5f71\uff0c\u5982\u679c\u9009\u62e9\u52a0\u901a\u8d27\u81a8\u6da8\u589e\u503c\u529f\u80fd3%, \u8d77\u59cb\u957f\u671f\u62a4\u7406\u4fdd\u969c\u4ece82\u4e07\u5f00\u59cb\u6bcf\u5e74\u589e\u503c:<\/p>\n<p>\u523065\u5c81\u65f6, \u957f\u671f\u62a4\u7406\u4fdd\u969c\u7d2f\u79ef\u5230119\u4e07,\u00a0 \u4e00\u4e2a\u6708\u53ef\u4ee5cover $15,394\u3002<\/p>\n<p>\u523075\u5c81\u65f6, \u957f\u671f\u62a4\u7406\u4fdd\u969c\u7d2f\u79ef\u5230160\u4e07, \u4e00\u4e2a\u6708\u53ef\u4ee5cover $20,688\u3002<\/p>\n<p>\u523080\u5c81\u65f6, \u957f\u671f\u62a4\u7406\u4fdd\u969c\u7d2f\u79ef\u5230186\u4e07, \u4e00\u4e2a\u6708\u53ef\u4ee5cover $23,964\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-452763\" src=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2025\/08\/2.jpg\" alt=\"\" width=\"584\" height=\"460\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-452764\" src=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2025\/08\/3.jpg\" alt=\"\" width=\"624\" height=\"437\" \/><\/p>\n<p>\u5728\u4eba\u53e3\u8001\u9f84\u5316\u548c\u62a4\u7406\u6210\u672c\u53cc\u91cd\u538b\u529b\u4e0b\uff0c\u957f\u671f\u62a4\u7406\u5df2\u6210\u4e3a\u6bcf\u4e2a\u5bb6\u5ead\u65e0\u6cd5\u56de\u907f\u7684\u73b0\u5b9e\u95ee\u9898\u3002<br \/>\n\u8d8a\u65e9\u89c4\u5212\uff0c\u8d8a\u80fd\u7528\u66f4\u4f4e\u7684\u6210\u672c\u6362\u53d6\u66f4\u5145\u8db3\u7684\u4fdd\u969c\uff0c\u8ba9\u81ea\u5df1\u548c\u5bb6\u4eba\u5728\u672a\u6765\u591a\u4e00\u4efd\u5e95\u6c14\u4e0e\u5b89\u5fc3\u3002<br 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[&hellip;]<\/p>\n","protected":false},"author":65,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[9],"tags":[],"class_list":["post-452761","post","type-post","status-publish","format-standard","hentry","category-la_local_news"],"_links":{"self":[{"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/posts\/452761","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/users\/65"}],"replies":[{"embeddable":true,"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=452761"}],"version-history":[{"count":0,"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/posts\/452761\/revisions"}],"wp:attachment":[{"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=452761"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=452761"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=452761"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}