{"id":454006,"date":"2025-09-10T15:17:49","date_gmt":"2025-09-10T22:17:49","guid":{"rendered":"https:\/\/icitynews.com\/?p=454006"},"modified":"2025-09-10T15:17:49","modified_gmt":"2025-09-10T22:17:49","slug":"%e9%80%99%e7%ad%86%e6%9a%97%e8%97%8f%e7%9a%84medicare%e8%b2%bb%e7%94%a8%e5%8f%af%e8%83%bd%e6%b6%88%e8%80%97%e6%82%a82025%e5%b9%b4%e7%9a%84%e9%80%80%e4%bc%91%e5%84%b2%e8%93%84","status":"publish","type":"post","link":"https:\/\/icitynews.com\/?p=454006","title":{"rendered":"\u9019\u7b46\u6697\u85cf\u7684Medicare\u8cbb\u7528\u53ef\u80fd\u6d88\u8017\u60a82025\u5e74\u7684\u9000\u4f11\u5132\u84c4"},"content":{"rendered":"<p><strong>2025<\/strong><strong>\u5e74<\/strong><strong>9<\/strong><strong>\u6708<\/strong><strong>9<\/strong><strong>\u65e5\uff0c\u5bc6\u723e\u74e6\u57fa<\/strong><strong> \u2013 <\/strong>\u9000\u4f11\u61c9\u8a72\u662f\u8212\u5fc3\u9806\u610f\uff0c\u4e0d\u9700\u518d\u7232\u65e5\u5fa9\u4e00\u65e5\u7684\u5de5\u4f5c\u58d3\u529b\u548c\u4f8b\u884c\u4efb\u52d9\u767c\u6101\u7684\u6642\u5019\u3002\u4f46\u662f\u8a31\u591a\u7f8e\u570b\u4eba\u9810\u671f\u7684\u5b89\u7a69\u8212\u9069\u537b\u88ab\u6c34\u6f32\u8239\u9ad8\u7684\u5065\u4fdd\u652f\u51fa\u6253\u4e82\uff0c\u5728\u6700\u9700\u8981\u5b89\u5b9a\u7684\u4eba\u751f\u968e\u6bb5\u627f\u53d7\u7d93\u6fdf\u8ca0\u64d4\u3002 \u5373\u4fbf\u6709Medicare\uff0c\u4e0d\u65b7\u4e0a\u5347\u7684\u81ea\u4ed8\u984d\u4ee4\u53ef\u4ee5\u4fdd\u8b77\u9000\u4f11\u4eba\u58eb\u548c\u5bb6\u4eba\u7684\u660e\u667a\u89e3\u6c7a\u65b9\u6848\u6210\u7232\u7576\u52d9\u4e4b\u6025\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u201c\u9000\u4f11\u4eba\u58eb\u61c9\u91dd\u5c0d\u9000\u4f11\u5f8c\u53ef\u80fd\u7522\u751f\u7684\u9ad8\u984d\u5065\u4fdd\u652f\u51fa\uff0c\u4f8b\u5982\u53ef\u80fd\u9069\u7528\u5728\u4ed6\u5011\u8eab\u4e0a\u7684\u8cbb\u7528\uff0c\u9810\u5148\u9032\u884c\u77ad\u89e3\u4e26\u505a\u51fa\u898f\u5283\uff0c\u201dNorthwestern Mutual\u4f4d\u65bc\u6d1b\u6749\u78ef\u7684\u5408\u5925\u4ebaSuneel Garg\u8868\u793a\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4e0a\u8ff0\u8cbb\u7528\u4e4b\u4e00\u5373\u70ba\u7c21\u7a31I<strong>RMAA<\/strong>\u7684<strong>Income-Related Monthly Adjustment Amount (<\/strong><strong>\u8207\u6536\u5165\u6709\u95dc\u7684\u6bcf\u6708\u8abf\u6574\u984d<\/strong><strong>) <\/strong>\u3002\u9019\u7b46\u8cbb\u7528\u52a0\u8a08\u5728\u60a8\u7684Medicare\u4fdd\u8cbb\u4e2d\uff0c\u5f9e\u60a8\u7684\u793e\u6703\u5b89\u5168\u7d66\u4ed8\u4e2d\u6263\u9664\uff0c\u56e0\u6b64\u53ef\u4ee5\u5f71\u97ff\u60a8<a href=\"https:\/\/www.northwesternmutual.com\/life-and-money\/what-is-a-good-monthly-retirement-income\/\">\u9000\u4f11\u5f8c\u7684\u6708\u6536\u5165<\/a>\u3002\u6240\u4ee5\u60a8\u5fc5\u9808\u77ad\u89e3IRMAA\u7a76\u7adf\u662f\u4ec0\u9ebd\u53ca\u5176\u904b\u4f5c\u65b9\u5f0f\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4ee52025\u5e74\u800c\u8a00\uff0c\u5982\u679c\u60a8\u662f\u4ee5\u500b\u4eba\u8eab\u4efd\u5831\u7a05\u800c\u60a8\u7d93\u4fee\u6b63\u8abf\u6574\u7684\u6bdb\u6536\u5165\uff08modified adjusted gross income\uff0c MAGI\uff09\u9ad8\u65bc$106,000\uff0c\u6216\u662f\u592b\u59bb\u5408\u5002\u7533\u5831\u7684\u6536\u5165\u9ad8\u65bc$212,000\uff0c\u5c31\u53ef\u80fd\u6703\u88ab\u6536\u53d6IRMAA\u8cbb\u7528\u3002\u8cbb\u7528\u4f9d\u7167\u60a82023\u5e74\u7684\u6536\u5165\u8a08\u7b97\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong>IRMAA<\/strong><strong>\u7a76\u7adf\u662f\u4ec0\u9ebd\uff1f<\/strong><\/p>\n<p>\u60a8\u4e00\u65e6\u5e74\u6eff65\u6b72\uff0c\u5c31\u7b26\u5408\u8cc7\u683c\u52a0\u5165Medicare<a href=\"https:\/\/www.northwesternmutual.com\/life-and-money\/the-most-common-types-of-health-insurance\/\">\u5065\u5eb7\u4fdd\u96aa<\/a>\u3002\u9019\u500b\u7531\u806f\u90a6\u653f\u5e9c\u63d0\u4f9b\u7684\u5065\u5eb7\u4fdd\u96aa\u8a08\u5283\u4ee5\u88dc\u8cbc\u65b9\u5f0f\u904b\u4f5c\uff0c\u60a8\u61c9\u7e73\u7d0d\u7684\u4fdd\u8cbb\u4e00\u822c\u800c\u8a00\u662f\u7528\u76ee\u524d\u4ecd\u5728\u5de5\u4f5c\u8005\u652f\u4ed8\u7684Medicare\u6263\u9664\u984d\u4f86\u62b5\u92b7\u3002\u4f46\u662f\u5982\u679c\u60a8\u7d93\u4fee\u6b63\u8abf\u6574\u7684\u6bdb\u6536\u5165<a href=\"https:\/\/www.northwesternmutual.com\/life-and-money\/modified-adjusted-gross-income-magi\/\">modified adjusted gross income (MAGI)<\/a> \u8d85\u904e\u4e00\u5b9a\u6578\u984d\uff0c\u60a8\u5c31\u53ef\u80fd\u4e0d\u518d\u7b26\u5408\u4eab\u53d7\u88dc\u8cbc\u7684\u8cc7\u683c\uff0c\u800c\u5fc5\u9808\u81ea\u884c\u8ca0\u64d4\u4e00\u90e8\u5206\u7684\u4fdd\u8cbb\u3002\u9019\u7b46\u984d\u5916\u8cbb\u7528\u5c31\u662f\u6240\u8b02\u7684IRMAA \uff08income-related monthly adjustment amount\uff0c\u8207\u6536\u5165\u6709\u95dc\u7684\u6bcf\u6708\u8abf\u6574\u984d\uff09\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>IRMAA\u53ea\u9069\u7528\u65bc\u4ee5\u4e0bMedicare\u627f\u4fdd\u9805\u76ee\uff1a<\/p>\n<ul>\n<li>Part B (\u91ab\u7642\u4fdd\u96aa)<\/li>\n<li>Part C (Medicare Advantage, \u7d93Medicare\u6279\u51c6\uff0c\u7531\u79c1\u71df\u4f01\u696d\u63d0\u4f9b\uff0c\u901a\u5e38\u5305\u542bParts A\uff0c B\u548cD\uff0c\u63d0\u4f9b\u984d\u5916\u798f\u5229\u548c\u8f03\u4f4e\u81ea\u4ed8\u984d\u7684\u5065\u4fdd\u8a08\u5283)<\/li>\n<li>Part D (\u8655\u65b9\u85e5\u4fdd\u96aa)<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>IRMAA\u4e0d\u9069\u7528\u65bc\u901a\u5e38\u514d\u4fdd\u8cbb\u7684Part A\u4f4f\u9662\u4fdd\u96aa\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>IRMAA<\/strong><strong>\u5982\u4f55\u8a08\u7b97\uff1f<\/strong><\/p>\n<p>IRMAA\u4e0d\u662f\u6309\u7167\u60a8\u76ee\u524d\u7684\u6536\u5165\u8a08\u7b97\uff0c\u800c\u662f\u6309\u7167\u5169\u5e74\u524d\u60a8\u7533\u5831\u806f\u90a6\u6240\u5f97\u7a05\u4f7f\u7528\u4e4b\u7d93\u4fee\u6b63\u8abf\u6574\u7684\u6bdb\u6536\u5165\uff08MAGI\uff09\u8a08\u7b97\u3002\u6240\u4ee5\u60a82025\u5e74\u7684IRMAA\u662f\u4ee5\u60a82023\u5e74\u7684\u5831\u7a05\u8a18\u9304\u70ba\u6839\u64da\u3002\u60a8\u4ee5\u4f55\u7a2e\u8eab\u4efd\u5831\u7a05\u4e5f\u8207\u8a08\u7b97\u65b9\u5f0f\u6709\u95dc\u3002\u4ee5\u4e0b\u662f\u6309\u7167<a href=\"http:\/\/medicare.gov\">medicare.gov<\/a> \u986f\u793a\u60a8\u7684IRMAA\u5982\u4f55\u5f71\u97ff\u60a82025\u5e74\u7684Medicare\u652f\u51fa\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-454007\" src=\"https:\/\/icitynews.com.cn\/wp-content\/uploads\/2025\/09\/\u56fe\u72471.jpg\" alt=\"\" width=\"472\" height=\"344\" \/><\/p>\n<p><strong>IRMAA<\/strong><strong>\u6578\u984d\u6703\u9010\u5e74\u6539\u8b8a\u55ce\uff1f<\/strong><\/p>\n<p>\u662f\u7684\uff0cMedicare\u8207Medicaid\u670d\u52d9\u4e2d\u5fc3\uff08Centers for Medicare and Medicaid Services \uff0cCMS) \u9010\u5e74\u8a08\u7b97\u60a8\u7684IRMAA\u3002\u901a\u5e38IRMAA\u7684\u6536\u5165\u4e0a\u9650\u6703\u9010\u5e74\u63d0\u5347\u3002<\/p>\n<ul>\n<li>2023: \u500b\u4eba $97,000 \/ \u592b\u59bb $194,000<\/li>\n<li>2024: \u500b\u4eba $103,000 \/ \u592b\u59bb $206,000<\/li>\n<li>2025: \u500b\u4eba $106,000 \/ \u592b\u59bb $212,000<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>\u4e5f\u8a31\u60a8\u5728\u67d0\u4e00\u5e74\u5fc5\u9808\u652f\u4ed8\u984d\u5916\u8cbb\u7528\uff0c\u4f46\u4e0b\u4e00\u5e74\u4e5f\u8a31\u5c31\u4e0d\u5fc5\u3002\u60a8\u4e5f\u53ef\u80fd\u56e0\u7232\u6536\u5165\u589e\u52a0\u6216\u6e1b\u5c11\u800c\u5728\u4e0d\u540c\u7a05\u7387\u9593\u4f86\u56de \uff08\u5225\u5fd8\u4e86\u60a8\u7684IRMAA\u662f\u6839\u64da\u60a8\u5169\u5e74\u4ee5\u524d\u7684\u806f\u90a6\u6240\u5f97\u7a05\u7533\u5831\u8a18\u9304\u8a08\u7b97\uff09\u3002<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u9000\u4f11\u6536\u5165\u5982\u4f55\u5f71\u97ff<\/strong><strong>Medicare<\/strong><strong>\u652f\u51fa\uff1f<\/strong><\/p>\n<p>\u60a8\u7684\u9000\u4f11\u6536\u5165\u6703\u88ab\u7528\u4f86\u8a08\u7b97\u60a8\u7d93\u4fee\u6b63\u8abf\u6574\u7684\u6bdb\u6536\u5165\uff08MAGI)\uff0c\u5f8c\u8005\u53ef\u80fd\u6539\u8b8a\u60a8\u5728\u8a72\u5e74\u662f\u5426\u9069\u7528IRMAA\uff08\u4ee5\u53ca\u60a8\u5fc5\u9808\u652f\u4ed8\u7684\u6578\u984d\uff09\u3002\u60a8\u7684\u9000\u4f11\u6536\u5165\u53ef\u80fd\u5305\u62ec\u793e\u6703\u5b89\u5168\u7d66\u4ed8\uff08\u5fc5\u9808\u7d0d\u7a05\u7684\u90e8\u5206<a href=\"https:\/\/www.northwesternmutual.com\/life-and-money\/is-social-security-taxable\/\">taxable portion<\/a>\uff09\uff0c\u4f8b\u5982401K\u548c\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08IRA\uff09\u7b49\u9000\u4f11\u5e33\u6236<a href=\"https:\/\/www.northwesternmutual.com\/life-and-money\/9-types-of-retirement-accounts-you-should-know\/\">retirement accounts<\/a>\uff0c\u9000\u4f11\u91d1<a href=\"https:\/\/www.northwesternmutual.com\/life-and-money\/how-does-a-pension-work\/\">pensions<\/a>\uff0c\u5e74\u91d1<a href=\"https:\/\/www.northwesternmutual.com\/life-and-money\/what-is-an-annuity\/\">annuities<\/a>\uff0c \u7d42\u8eab\u58fd\u96aa<a href=\"https:\/\/www.northwesternmutual.com\/life-and-money\/what-is-permanent-life-insurance\/\">permanent life insurance policy<\/a>\u7684\u73fe\u91d1\u50f9\u503c\uff0c\u4ee5\u53ca\u4f86\u81ea\u79df\u91d1\u548c\u5176\u4ed6\u6295\u8cc7\u7684\u88ab\u52d5\u6536\u5165<a href=\"https:\/\/www.northwesternmutual.com\/life-and-money\/what-is-passive-income\/\">passive income<\/a> \u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4e26\u975e\u6240\u6709\u6536\u5165\u90fd\u9808\u8a08\u5165\u7d93\u4fee\u6b63\u8abf\u6574\u7684\u6bdb\u6536\u5165\uff0c\u6240\u4ee5\u7528\u4f55\u7a2e\u65b9\u5f0f\u5275\u9020\u6536\u5165\u4ee5\u53ca\u5f9e\u90a3\u4e9b\u4f86\u6e90\u63d0\u9818\u6536\u5165\u7684\u7b56\u7565\u904b\u4f5c\u53ef\u4ee5\u767c\u63ee\u5de8\u5927\u529f\u80fd\u3002\u4e00\u4f4d\u7406\u8ca1\u9867\u554f\u53ef\u4ee5\u5e6b\u52a9\u60a8\u7ba1\u7406\u6536\u5165\u4f86\u6e90\uff0c\u964d\u4f4e\u60a8\u5c0dIRMAA\u7684\u66dd\u5149\u7387\uff0c\u4fdd\u8b77\u60a8\u7684\u9000\u4f11\u5132\u84c4\u3002<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u5982\u679c\u6211\u9069\u7528<\/strong><strong>IRMAA<\/strong><strong>\uff0c\u6703\u6709\u90a3\u4e9b\u72c0\u6cc1\uff1f<\/strong><\/p>\n<p>\u793e\u6703\u5b89\u5168\u7f72\u6703\u6309\u7167\u60a8\u5169\u5e74\u524d\u5411\u570b\u7a05\u5c40\u63d0\u4ea4\u7684\u5831\u7a05\u8a18\u9304\u4f86\u6c7a\u5b9a\u60a8\u662f\u5426\u9069\u7528IRMAA\u3002\u5982\u679c\u60a8\u7684\u6536\u5165\u6c34\u5e73\u5553\u52d5\u8207\u6536\u5165\u6709\u95dc\u7684\u6bcf\u6708\u8abf\u6574\u984d\uff0c\u793e\u5b89\u7f72\u6703\u5c07\u521d\u6b65\u6c7a\u5b9a\u7684\u8a73\u7d30\u5185\u5bb9\u90f5\u5bc4\u7d66\u60a8\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u5982\u679c\u60a8\u8a8d\u7232\u793e\u5b89\u7f72\u7684\u8a8d\u5b9a\u6709\u8aa4\uff0c\u60a8\u53ef\u4ee5\u5c0d\u793e\u5b89\u7f72\u7684\u6c7a\u5b9a\u8868\u793a\u7570\u8b70\u3002\u5982\u679c\u60a8\u5728\u904e\u53bb\u5169\u5e74\u4e2d\u906d\u9047\u7b26\u5408\u8a72\u7f72\u898f\u5b9a\u7684\u91cd\u5927\u751f\u6d3b\u8b8a\u6545\uff0c\u56b4\u91cd\u5f71\u97ff\u60a8\u7684\u7d93\u6fdf\u72c0\u6cc1\uff0c\u60a8\u4e5f\u53ef\u4ee5\u5411\u8a72\u7f72<a href=\"https:\/\/www.ssa.gov\/medicare\/lower-irmaa\">\u8981\u6c42\u964d\u4f4e<\/a>\u60a8\u5fc5\u9808\u652f\u4ed8\u7684\u6578\u984d\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u82e5\u60a8\u7684 IRMAA \u6838\u5b9a\u7d50\u679c\u6b63\u78ba\uff0c\u4e14\u60a8\u6bcf\u6708\u5df2\u5728\u9818\u53d6\u793e\u5b89\u91d1\uff0c\u60a8\u7684\u61c9\u7e73\u91d1\u984d\u5c07\u76f4\u63a5\u5f9e\u60a8\u7684\u798f\u5229\u91d1\u4e2d\u6263\u9664\u3002\u5426\u5247\uff0c\u60a8\u5c07\u6536\u5230\u4e00\u4efd\u7368\u7acb\u7684 IRMAA \u91d1\u984d\u5e33\u55ae\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u6211\u5982\u4f55\u624d\u80fd\u964d\u4f4e<\/strong><strong>IRMAA<\/strong><strong>\u652f\u51fa\uff1f<\/strong><strong><br \/>\n<\/strong>\u964d\u4f4eIRMAA\u7684\u95dc\u9375\u5728\u65bc\u964d\u4f4eMAGI\uff08\u7d93\u4fee\u6b63\u8abf\u6574\u7684\u6bdb\u6536\u5165\uff09\u3002\u53ef\u904b\u7528\u7684\u7b56\u7565\u5305\u62ec\u5e73\u8861\u5f9e\u61c9\u7a05\u548c\u514d\u7a05\u7684\u5e33\u6236\u4e2d\u63d0\u6b3e\uff0c\u5584\u7528\u53ef\u5275\u9020\u8667\u640d\u7684\u6295\u8cc7\u7b56\u7565\u4f86\u6e1b\u8f15\u7d0d\u7a05\u8ca0\u64d4\uff0c\u5ef6\u9072\u9818\u53d6\u793e\u5b89\u7d66\u4ed8\uff0c\u4ee5\u53ca\u6148\u5584\u6350\u6b3e\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u7406\u8ca1\u9867\u554f\u80fd\u5354\u52a9\u60a8\u7b56\u7565\u6027\u5730\u898f\u5283\u6536\u5165\u7d50\u69cb\uff0c\u8b93\u60a8\u7dad\u6301\u5728 IRMAA \u9580\u6abb\u7bc4\u570d\u5167\uff0c\u5f9e\u800c\u4fdd\u7559\u66f4\u591a\u9000\u4f11\u6536\u5165\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u5982\u679c\u6c92\u6709\u91dd\u5c0dIRMAA\u505a\u597d\u898f\u5283\uff0c\u60a8\u53ef\u80fd\u56e0\u7232Medicare\u7684\u67d0\u4e9b\u627f\u4fdd\u9805\u76ee\u5fc5\u9808\u652f\u4ed8\u66f4\u9ad8\u7684\u4fdd\u8cbb\u3002\u5c0d\u9ad8\u6536\u5165\u65cf\u7fa4\u800c\u8a00\uff0c\u9019\u4e0d\u50c5\u50c5\u662f\u5e33\u55ae\u4e0a\u591a\u52a0\u4e86\u4e00\u7b46\u5fc5\u9808\u652f\u4ed8\u7684\u8cbb\u7528\uff0c\u66f4\u662f\u5c0d\u6bcf\u6708\u73fe\u91d1\u6d41\u548c\u9577\u671f\u8ca1\u52d9\u7a69\u5b9a\u7684\u76f4\u63a5\u885d\u64ca\u3002\u597d\u6d88\u606f\u662f\u5728\u5b8c\u5584\u7684\u898f\u5283\u4e0b\uff0c\u9000\u4f11\u4eba\u58eb\u53ef\u4ee5\u5c0dIRMAA\u9810\u505a\u5b89\u6392\uff0c\u591a\u4fdd\u7559\u4e00\u9ede\u81ea\u5df1\u8f9b\u52e4\u5de5\u4f5c\u7684\u5132\u84c4\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><em>*<\/em><em>\u7406\u8ca1\u4ee3\u8868\u7121\u6cd5\u63d0\u4f9b\u7a05\u52d9\u5efa\u8b70\u3002\u8acb\u91dd\u5c0d\u60a8\u7684\u500b\u5225\u72c0\u6cc1\u8acb\u6559\u7a05\u52d9\u5c08\u696d\u4eba\u58eb\u7684\u610f\u898b\u3002<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>###<\/p>\n<p>Northwestern Mutual \u7c21\u4ecb<\/p>\n<p><a href=\"https:\/\/nam04.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.northwesternmutual.com%2F&amp;data=05%7C01%7Cmisa.nguyen%40iwgroupinc.com%7C99039be9b4b34866cb2f08da5a1d003f%7Ca3f2b2aa290e42ea9e8ce0151bc31eed%7C0%7C0%7C637921377894346688%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=mgKBj6uZSKkV6hBq9YXoImpoTNgMaLQUAO8lSYmHdYc%3D&amp;reserved=0\">Northwestern Mutual\u202f<\/a>\u5e6b\u52a9\u500b\u4eba\u548c\u4f01\u696d\u9054\u6210\u8ca1\u52d9\u4fdd\u969c\u5df2\u6709\u8d85\u904e165\u5e74\u6b77\u53f2\u3002\u901a\u904e\u6574\u9ad4\u7684\u898f\u5283\u65b9\u5f0f\uff0cNorthwestern Mutual \u7d50\u5408<a href=\"https:\/\/nam04.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.northwesternmutual.com%2Fworking-with-an-advisor&amp;data=05%7C01%7Cmisa.nguyen%40iwgroupinc.com%7C99039be9b4b34866cb2f08da5a1d003f%7Ca3f2b2aa290e42ea9e8ce0151bc31eed%7C0%7C0%7C637921377894346688%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=bDfxCWrBFtuqbJSQZzy8TwpyryYTVEWBtf7t4x9b7ro%3D&amp;reserved=0\">\u5c08\u696d\u7406\u8ca1\u9867\u554f<\/a>\u7684\u5c08\u9577\uff0c\u500b\u4eba\u5316\u6578\u4f4d\u9ad4\u9a57\uff0c\u548c\u9818\u5148\u696d\u754c\u7684\u7522\u54c1\uff0c\u5354\u52a9\u5ba2\u6236\u898f\u5283\u6700\u91cd\u8981\u7684\u4e8b\u52d9\u3002\u6240\u7ba1\u7406\u7684\u516c\u53f8\u884c\u865f\u7406\u8ca1\u8a08\u5283\u53ca\u96f6\u552e\u6295\u8cc7\u5ba2\u6236\u7406\u8ca1\u8a08\u5283\uff0c\u7e3d\u503c\u8d85\u904e6270\u5104\u7f8e\u51431\uff0c\u6536\u5165\u8d85\u904e360\u5104\u7f8e\u5143\uff0c\u548c\u50f9\u503c\u8d85\u904e2\u842c3000\u5104\u6709\u6548\u4eba\u58fd\u4fdd\u96aa\u7684\u4fdd\u969c\uff0cNorthwestern Mutual\u70ba\u8d85\u904e500\u842c\u4f9d\u8cf4\u672c\u516c\u53f8\u7684\u58fd\u96aa\u3001\u6b98\u75be\u6536\u5165\u548c\u9577\u671f\u7167\u8b77\u4fdd\u96aa\u3001\u5e74\u91d1\u3001\u4e2d\u4ecb\u548c\u9867\u554f\u670d\u52d9\u7684\u6c11\u773e\u63d0\u4f9b\u8ca1\u52d9\u4fdd\u969c\u3002Northwestern Mutual\u57282023\u8ca1\u5bcc\u96dc\u8a8c500\u5927\uff08FORTUNE 500\uff09\u516c\u53f8\u4e2d\u540d\u5217111\uff0c\u7372\u8ca1\u5bcc\u96dc\u8a8c\uff08FORTUNE\u00ae\uff09\u8a8d\u53ef\u70ba2024\u5e74\u300c<\/p>\n<p>\u5168\u7403\u6700\u53d7\u611b\u6234\u300d\u7684\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u4e4b\u4e00\u3002<\/p>\n<p>Northwestern Mutual\u662fThe Northwestern Mutual Life Insurance Company (NM),Milwaukee, WI\uff08\u58fd\u96aa\u548c\u6b98\u75be\u4fdd\u96aa\u3001\u5e74\u91d1\u3001\u53ca\u5305\u62ec\u9577\u671f\u7167\u8b77\u798f\u5229\u7684\u58fd\u96aa\uff09\u53ca\u5176\u5b50\u516c\u53f8\u7684\u5e02\u5834\u71df\u92b7\u540d\u7a31\u3002\u5b50\u516c\u53f8\u5305\u62ecNorthwestern Mutual Investment Services, LLC (NMIS) (\u6295\u8cc7\u4e2d\u4ecb\u670d\u52d9), \u4e2d\u4ecb\u548c\u8cb7\u8ce3, \u8a3b\u518a\u6295\u8cc7\u9867\u554f, FINRA \u548cSIPC\u6703\u54e1; Northwestern Mutual Wealth Management Company\u00ae (NMWMC) (\u6295\u8cc7\u54a8\u8a62\u53ca\u670d\u52d9), \u806f\u90a6\u5132\u84c4\u9280\u884c; \u53caNorthwestern Long Term Care Insurance Company (NLTC) (\u9577\u671f\u7167\u8b77\u4fdd\u96aa)\u3002\u4e26\u975e\u6240\u6709Northwestern Mutual\u4ee3\u8868\u5747\u7232\u9867\u554f\u3002\u53ea\u6709\u8077\u929c\u4e2d\u5e36\u6709\u201c\u9867\u554f\u201d\u5b57\u6a23\u6216\u81ea\u884c\u63ed\u9732\u5176\u8eab\u4efd\u70ba<\/p>\n<p>NMWMC\u9867\u554f\uff0c\u624d\u662f\u53ef\u4ee5\u63d0\u4f9b\u6295\u8cc7\u9867\u554f\u670d\u52d9\uff0c\u7d93\u8a8d\u8b49\u7684NMWMC\u4ee3\u8868\u3002<\/p>\n<ol>\n<li>\u5305\u62ecNorthwestern Mutual\u7684\u6295\u8cc7\u53ca\u500b\u5225\u5e33\u6236\u8cc7\u7522\uff0c\u4ee5\u53ca\u7531Northwestern Mutual\u6301\u6709\u6216\u7ba1\u7406\u7684\u96f6\u552e\u6295\u8cc7\u5ba2\u6236\u8cc7\u7522\u3002<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p class=\"post-copyright\">\u672a\u7ecf\u5141\u8bb8\u4e0d\u5f97\u8f6c\u8f7d\uff1a<a href=\"https:\/\/icitynews.com\">\u57ce\u5e02\u65b0\u95fb\u7f51icitynews<\/a> &raquo; <a href=\"https:\/\/icitynews.com\/?p=454006\">\u9019\u7b46\u6697\u85cf\u7684Medicare\u8cbb\u7528\u53ef\u80fd\u6d88\u8017\u60a82025\u5e74\u7684\u9000\u4f11\u5132\u84c4<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>2025\u5e749\u67089\u65e5\uff0c\u5bc6\u723e\u74e6\u57fa \u2013 \u9000\u4f11\u61c9\u8a72\u662f\u8212\u5fc3\u9806\u610f\uff0c\u4e0d\u9700\u518d\u7232\u65e5\u5fa9\u4e00\u65e5\u7684\u5de5\u4f5c\u58d3\u529b\u548c\u4f8b\u884c\u4efb\u52d9\u767c\u6101\u7684\u6642\u5019\u3002\u4f46\u662f\u8a31\u591a\u7f8e\u570b\u4eba\u9810\u671f\u7684\u5b89\u7a69\u8212\u9069\u537b\u88ab\u6c34\u6f32\u8239\u9ad8\u7684\u5065\u4fdd\u652f\u51fa\u6253\u4e82\uff0c\u5728\u6700\u9700\u8981\u5b89\u5b9a\u7684\u4eba\u751f\u968e\u6bb5\u627f\u53d7\u7d93\u6fdf\u8ca0\u64d4\u3002 \u5373\u4fbf [&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-454006","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\/454006","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=454006"}],"version-history":[{"count":0,"href":"https:\/\/icitynews.com\/index.php?rest_route=\/wp\/v2\/posts\/454006\/revisions"}],"wp:attachment":[{"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=454006"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=454006"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/icitynews.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=454006"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}