了解你的选择
加州长期护理伙伴关系
量身定制你的计划
“一刀切”的政策并不适用于长期护理。 根据您的期望、财务状况和个人需求，您可能希望通过多种方式来解决长期护理规划。 我们试图概括出每种方法的优缺点。 但无论你选择哪种方式，都要通过做出一些关键的决定来掌握自己的未来。
那么您有什么选择？
Finding the right fit for you.
不做任何事
不幸的是，这是大多数加州人的默认设置，这可能会让他们的梦想、资产和关怀落到他人手中。 如果没有一个满足长期护理需求的计划，我们中的许多人可能会发现自己面临潜在的毁灭性情感和财务成本，这种成本可能会持续数月，在许多情况下甚至是数年。
依靠家人和朋友
Historically in America, family members have provided long-term care. This may seem like an ideal option, but the changing dynamics of America make this a less and less viable option for most families. As a nation, we are living longer, which means the adult children are often older and less able to undertake the physical rigors of caregiving – helping a parent in and out of the tub, clothing them, and moving them about. Secondly, families are more mobile and spread out today than they were a generation ago, meaning the challenge of caregiving generally falls on a single family member. While our hearts are in the right place, when conflicting priorities arise, such as caring for your parents or children and work responsibilities, how can you choose? Finally, it’s a scary statistic, but a third of partners who provide care to their spouses die before the spouse being cared for. If this is your choice, make sure your wishes are known and written down to eliminate misunderstandings.
Family Caregiving: “Sometimes it arrives as a midnight crisis; for others, caring for an ailing loved one has become part of the family fabric over time.”
自我保险
对于收入可观的人来说，这是一个现实的选择。 实质上，您存够了足够的钱来支付您的护理费用。 显而易见的问题是，多少才够？ 由于我们都不知道需要长期护理多长时间，所以这可能是一个挑战。 这也是一项挑战，因为通货膨胀和护理成本正在急剧上升。
购买保险
对于许多人来说，最好的选择是购买长期护理保险。 与其他类型的保险（火灾、健康、汽车）一样，这为您在未来需要帮助时提供保障。 加州长期护理合作伙伴与四家获准的保险公司合作，为加州居民提供符合所有州要求的高质量、灵活且价格合理的保险政策。
了解有关购买保险的更多信息
- 如何选择高质量保险政策的提示
- 合作政策
- 什么是合作伙伴政策？
- 合作政策的成本是多少？
- 如何获得合作伙伴保障？
- 消除对高质量政策的猜测
- 怎样成为一名优秀的长期护理保险代理人？
下一步
- 审查你的财务状况
- 研究您所在地区或您希望退休的地区的护理费用
- 制定个人长期护理计划
- Determine when it’s best for you to start preparing. Remember, the sooner, the better and usually, it’s cheaper.
- 与值得信赖的人讨论如何为您理想的长期护理安排提供资金
- 确定您的社区资源