Cov ntaub ntawv ceev ceev thiab lwm cov ntaub ntawv saib xyuas mus sij hawm ntev
Long-Term Care yog dab tsi?
Kev saib xyuas mus sij hawm ntev txawv ntawm qhov seem ntawm koj cov kev kho mob, thiab feem ntau nws tsis raug them raws li cov cai pov hwm kev noj qab haus huv, HMO cov phiaj xwm, Medicare lossis Medicare cov cai ntxiv. Cov phiaj xwm saib xyuas kev noj qab haus huv yog tsim los muab kev pab cuam thaum koj tau txais kev saib xyuas los ntawm kws kho mob lossis kev kho mob hauv tsev kho mob. Qee qhov kuj tseem them rau kev saib xyuas hauv tsev lossis kev saib xyuas hauv tsev -tab sis feem ntau, tsuas yog nyob rau lub sijhawm luv lossis tsawg.
Kev saib xyuas mus sij hawm ntev suav nrog kev saib xyuas tus kheej, xws li kev pab da dej, noj mov lossis hnav khaub ncaws uas koj xav tau rau lub sijhawm ntev. Yog vim li cas nws thiaj li yuav kim heev. Kev saib xyuas mus sij hawm ntev tuaj yeem yog los ntawm kev pab yooj yim nrog rau kev ua ub no hauv koj lub tsev lossis lub chaw tu neeg nyob hauv tsev lossis nws tuaj yeem txhais tau tias muaj kev saib xyuas zoo hauv tsev laus. Qhov muaj peev xwm xav tau kev saib xyuas mus sij hawm ntev vim muaj mob lossis lub cev tsis taus yog ib yam uas tib neeg feem ntau tsis xav txog. Tab sis thaum peb laus lawm, thiab vim peb nyob ntev, qhov zoo li peb yuav xav tau qee yam kev pab yog qhov tiag. Kev saib xyuas mus sij hawm ntev yuav pab koj ua neej nyob nrog kev hwm thiab muaj kev ywj pheej.
Yog tias koj xav tau kev saib xyuas mus sij hawm ntev vim muaj mob lub cev xws li mob caj dab lossis Parkinson tus kab mob, leej twg yuav them rau nws? Koj yuav tsum xav tau kev pab vim muaj kab mob kev puas siab puas ntsws, xws li Alzheimer's, leej twg yuav them rau kev kho mob? Lo lus teb yog tej zaum koj, tshwj tsis yog koj ua los tiv thaiv koj tus kheej.
Kev saib xyuas mus sij hawm ntev yuav kim heev. Tus nqi tsev laus hauv California nruab nrab $250 ib hnub hauv 2011 (lossis $91,250 toj xyoo). Ntawm cov neeg uas nkag mus hauv tsev laus, 44.1% yuav siv tag nrho lub neej tsawg kawg yog ib xyoos, 43.9% yuav nyob nruab nrab ntawm ib xyoos thiab tsib xyoos, thiab 12% yuav siv tag nrho lub neej ntawm tsib xyoos lossis ntau dua, (US DHHS/CDC Lub Tebchaws Nursing Home Survey: 2004 Overview). Qhov no txhais tau hais tias ntau tshaj li ib nrab ntawm cov neeg uas nkag mus rau hauv tsev laus yuav siv li ntawm $ 91,250 thiab $ 456,250 (hauv xyoo 2011 duas) thiab ib tus neeg tawm ntawm txhua kaum yuav siv nyiaj ntau dua, tej zaum ntau dua li ntawd. Thiab koj yuav tsum tsis txhob hnov qab tias ua ntej cov neeg feem coob nkag mus hauv tsev laus, lawv yuav tau tawm tsam ntau xyoo nrog tus nqi saib xyuas mus sij hawm ntev hauv lawv lub tsev. Qhov muaj peev xwm xav tau kev saib xyuas mus sij hawm ntev yog ib yam uas peb feem ntau tsis xav txog. Txawm li cas los xij, "Zoo li 7 ntawm 10 tus neeg muaj hnub nyoog 65 xyoos yuav xav tau kev saib xyuas mus sij hawm ntev ntawm qee lub sijhawm hauv lawv lub neej", (US Lub Tsev Haujlwm Saib Xyuas Kev Noj Qab Haus Huv thiab Tib Neeg, 2009), (Kev them nyiaj rau kev saib xyuas mus sij hawm ntev, tsis yog rau koj tus kheej lossis tus neeg koj hlub, tuaj yeem txhais tau tias kev txuag lub neej los yog poob koj txoj kev ywj pheej nyiaj txiag, tshwj tsis yog koj npaj ua ntej.
Medicaid Facts
Xyoo 1995, 35.2 lab tus tib neeg tau txais cov txiaj ntsig Medicaid. 11% yog cov neeg laus.
Xyoo 1995, $152.4 billion tau siv rau cov txiaj ntsig Medicaid. 26.3% ntawm tus nqi yog rau cov neeg laus. 35.4% ntawm cov nqi rau cov neeg laus yog rau cov kev pabcuam LTC.
Medicaid them ib nrab ntawm tag nrho cov nqi tsev laus thiab 14% ntawm cov nqi kho mob hauv tsev hauv Teb Chaws Asmeskas
Peb feem plaub ntawm Medicaid LTC kev siv nyiaj yog rau cov kev pabcuam hauv tsev.
Tau qhov twg los: "Medicaid Facts", Kaiser Commission ntawm Lub Neej Yav Tom Ntej ntawm Medicaid, Kaum Ib Hlis, 1997.
LTC Cov Lus Tseeb
Ntau tshaj 12 lab tus tib neeg hauv Tebchaws Meskas xav tau kev saib xyuas mus sij hawm ntev.
Yuav luag ib nrab ntawm cov uas xav tau kev saib xyuas muaj hnub nyoog qis dua 65 xyoos, suav nrog 5.3 lab tus neeg laus hnub nyoog ua haujlwm.
Ntawm 1.3 lab tus neeg laus uas nyob hauv tsev laus, ib nrab hnub nyoog tshaj 85 xyoos thiab ntau dua 80% muaj kev puas tsuaj loj (yuav tsum tau txais kev pab nrog peb lossis ntau dua ntawm kev ua neej nyob txhua hnub). Ib qho ntxiv 1.3 lab tus uas xav tau kev saib xyuas mus sij hawm ntev tau txais kev saib xyuas hauv zej zog.
Tau qhov twg los: Kaiser Family Foundation, Lub Peb Hlis 2001 Medicaid Facts
LTC Insurance Qhov tseeb
Ntau tshaj 5.8 lab LTC cov cai tuav pov hwm tau yuav hauv Tebchaws Meskas txog rau lub Rau Hli 30, 1998. Kwv yees li 450,000 ntawm cov no tau yuav hauv California.
Thoob plaws teb chaws, muaj 5% kev lag luam nkag mus rau LTC txoj cai muag khoom. California txoj kev nkag mus rau kev lag luam yog 7.21%.
Thoob plaws hauv lub tebchaws, ntau dua 2,100 tus tswv ntiav muab kev pov hwm pab pawg LTC. Cov tuam txhab suav nrog: Nissan, Procter & Gamble, IBM, AT&T, CBS, Delta Airlines, Dow Chemical.
Ob feem peb ntawm cov neeg yuav khoom txoj cai tau nyiaj tsawg dua $35,000.
Ib feem peb ntawm cov cai yuav khoom muaj nqis tsawg dua $30,000.
Qhov feem ntau hais txog yog vim li cas rau tus neeg yuav khoom pov hwm kev saib xyuas mus sij hawm ntev yog kom muaj kev ywj pheej ntawm kev xaiv.
Source: Health Insurance Association of America, Survey, 1998
Cov neeg siv khoom tseeb
Cov neeg laus muaj 77% ntawm lub teb chaws tus kheej muaj nyiaj thiab 40% ntawm cov nyiaj tau los txiav txim siab.
Cov neeg siv khoom qub nyiam "tus nqi zoo" thaum cov neeg siv khoom hluas nyiam "kev muag khoom zoo".
Cov neeg yuav khoom laus suav tias "pab tau, tus phooj ywg, cov neeg muag khoom paub zoo" siab dua li cov neeg yuav khoom yau.
Tau qhov twg los: Kev Tshawb Fawb Kev Ceeb Toom, Caij Nplooj Ntoos Hlav 1998
Cov poj niam tsis muaj feem cuam tshuam ntau tshaj-tus neeg sawv cev hauv cov nyiaj tau los qis thiab tsis muaj npe nyob hauv cov nyiaj tau los ntau dua txawm tias cov poj niam koom nrog 51% ntawm California cov neeg ua haujlwm.
Ntawm tag nrho cov neeg muaj hnub nyoog tshaj 65 xyoo tau txais txiaj ntsig Social Security hauv California, 6.2% ntawm cov txiv neej kuj tau txais Nyiaj Txiag Ntxiv (SSI - txhais tau tias lawv tsis taus), hos 10.3% ntawm cov poj niam kuj tau txais SSI.
Ntawm tag nrho cov neeg muaj hnub nyoog tshaj 65 xyoo hauv California, qhov nruab nrab tag nrho cov nyiaj tau los ntawm tus kheej yog $ 32,300 rau cov txiv neej thiab $ 23,900 rau poj niam ($ 8,400 tsawg dua rau cov poj niam).
Ntawm tag nrho cov neeg muaj hnub nyoog tshaj 65 xyoo hauv California, 11.8% ntawm cov txiv neej nyob rau Medi-Cal piv nrog 15.3% ntawm cov poj niam.
Tau qhov twg los: California Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag, Daim Ntawv Qhia Txog Cov Pej Xeem Tam Sim No, Lub Peb Hlis 2001
Thaum koj nkag mus rau hauv tsev laus, koj khaws tag nrho koj cov cai tib neeg thiab pej xeem txoj cai thiab kev ywj pheej. Tsoom Fwv Teb Chaws thiab Lub Xeev cov cai teev cov neeg nyob hauv tsev laus cov cai kom ntxaws, thiab xav kom Lub Tsev Haujlwm Saib Xyuas Kev Noj Qab Haus Huv cov neeg ua haujlwm uas tshuaj xyuas koj lub tsev laus los txiav txim seb lub tsev no puas tiv thaiv thiab txhawb koj txoj cai.
Nrhiav cov ntaub ntawv ntxiv txog koj cov cai ua ib tus neeg nyob hauv ib lub tsev laus lossis hu rau Lub Tsev Haujlwm Saib Xyuas Kev Noj Qab Haus Huv Hauv Pej Xeem, Daim Ntawv Tso Cai thiab Ntawv Pov Thawj Hauv Cheeb Tsam Chaw Ua Haujlwm ze koj. Txhawm rau kom tau txais daim ntawv teev npe ntawm Lub Tsev Haujlwm Saib Xyuas Kev Tso Cai thiab Ntawv Pov Thawj, thov nyem qhov no, lossis hu rau Ombudsman Program hauv koj lub nroog. Tus lej xov tooj rau qhov Kev Pab Cuam Ombudsman hauv zos tau muab tso rau hauv koj lub tsev laus.
