{"id":3016,"date":"2014-05-06T09:38:18","date_gmt":"2014-05-06T17:38:18","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=3016"},"modified":"2014-04-25T10:58:20","modified_gmt":"2014-04-25T18:58:20","slug":"long-term-care1","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/long-term-care1\/","title":{"rendered":"\u8001\u5f8c\u306e\u751f\u6d3b &#8211; \u9577\u671f\u4ecb\u8b77\u306b\u5099\u3048\u308b"},"content":{"rendered":"<p>\u5065\u5eb7\u4fdd\u967a\u3001\u8eca\u306e\u4fdd\u967a\u3001\u5bb6\u306e\u4fdd\u967a\u3001\u30a2\u30f3\u30d6\u30ec\u30e9\u4fdd\u967a\u306b\u751f\u547d\u4fdd\u967a\u3001\u305d\u308c\u304b\u3089\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u30fb\u30fb\u30fb\u79c1\u305f\u3061\u306f\u3044\u308d\u3044\u308d\u306a\u4fdd\u967a\u3092\u8cb7\u3044\u307e\u3059\u306d\u3002\u82e5\u3044\u3046\u3061\u306f\u3042\u307e\u308a\u8003\u3048\u306a\u3044\u3051\u3069\u3001\u3060\u3093\u3060\u3093\u3068\u8003\u3048\u305f\u307b\u3046\u304c\u3044\u3044\u4fdd\u967a\u306b\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\uff08Long-term care insurance\uff09\u304c\u3042\u308a\u307e\u3059\u3002\u4eba\u9593\u3001\u5143\u6c17\u306b\u751f\u304d\u3066\u307d\u3063\u304f\u308a\u30fb\u30fb\u30fb\u3068\u3044\u3046\u306e\u304c\u4e00\u756a\u30e9\u30af\u306a\u3093\u3066\u3044\u3044\u307e\u3059\u304c\u3001\u3067\u3082\u305d\u3046\u306f\u3046\u307e\u304f\u3044\u304b\u306a\u3044\u3053\u3068\u3082\u5341\u5206\u60f3\u5b9a\u3055\u308c\u307e\u3059\u3002\u4eba\u306e\u4ecb\u8b77\u3084\u4ecb\u52a9\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u3068\u304d\u3001\u305d\u306e\u30b3\u30b9\u30c8\u3092\u3069\u3046\u637b\u51fa\u3059\u308b\u304b\u30fb\u30fb\u30fb\u4eca\u65e5\u306f\u9577\u671f\u4ecb\u8b77\u306b\u5099\u3048\u308b\u65b9\u6cd5\u3092\u63a2\u3063\u3066\u307f\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u9577\u671f\u4ecb\u8b77\u3068\u306f<\/h2>\n<p>\u9577\u671f\u4ecb\u8b77\u3068\u306f\u3001\u6162\u6027\u306e\u75c5\u6c17\u3084\u4f53\u306e\u6a5f\u80fd\u969c\u5bb3\u306e\u305f\u3081\u3001\u81ea\u5206\u3067\u751f\u6d3b\u304c\u3067\u304d\u306a\u304f\u306a\u3063\u305f\u4eba\u306e\u305f\u3081\u306b\u3001\u9577\u671f\u7684\u306b\u63d0\u4f9b\u3055\u308c\u308b\u533b\u7642\u304a\u3088\u3073\u975e\u533b\u7642\u30b1\u30a2\u30b5\u30fc\u30d3\u30b9\u306e\u3053\u3068\u3067\u3059\u3002\u9577\u671f\u4ecb\u8b77\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u5834\u5408\u3001\u4e00\u90e8\u306fMedicare\u3067\u30ab\u30d0\u30fc\u3055\u308c\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u307b\u3068\u3093\u3069\u306fMedicare\u306e\u9069\u7528\u7bc4\u56f2\u5916\u3067\u3059\u3002Medicare\u3067\u306f\u3001\u75c5\u9662\u306b\u4e09\u65e5\u4ee5\u4e0a\u5165\u9662\u3057\u305f\u5f8c\u3067\u770b\u8b77\u65bd\u8a2d\u306b\u79fb\u3063\u305f\u5834\u5408\u3084\u3001\u533b\u5e2b\u304c\u533b\u7642\u4e0a\u5fc5\u8981\u3060\u3068\u8a3a\u65ad\u3057\u305f\u5728\u5b85\u770b\u8b77\u3067\u3042\u308b\u5834\u5408\u306a\u3069\u306e\u307f\u30ab\u30d0\u30fc\u3059\u308b\u3068\u3044\u3046\u3088\u3046\u306b\u3001\u53b3\u3057\u3044\u5236\u9650\u3064\u304d\u3067\u306e\u9069\u7528\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u901a\u5e38\u3001Activities of Daily Living (ADL)\u3067\u898f\u5b9a\u3055\u308c\u305f\uff16\u3064\u306e\u57fa\u672c\u30a2\u30af\u30c6\u30a3\u30d3\u30c6\u30a3\uff08\u5165\u6d74\u3001\u7740\u66ff\u3048\u3001\u98df\u4e8b\u3001\u6b69\u884c\u3001\u8eab\u306e\u56de\u308a\u306e\u885b\u751f\u3001\u6392\u6cc4\uff09\u306e\u3046\u3061\u5c11\u306a\u304f\u3068\u3082\uff12\u3064\u304c\u3067\u304d\u306a\u304f\u306a\u308b\u5834\u5408\u3001\u3042\u308b\u3044\u306f\u8a8d\u77e5\u4e0a\u306e\u554f\u984c\u304c\u8d77\u3063\u305f\u5834\u5408\u3092\u3001\u9577\u671f\u4ecb\u8b77\u306e\u5fc5\u8981\u5bfe\u8c61\u3068\u307f\u306a\u3057\u307e\u3059\u3002\u3042\u308b\u7d71\u8a08\u306b\u3088\u308b\u3068\u300165\u6b73\u4ee5\u4e0a\u306e\u4eba\u304c\u6b7b\u306c\u307e\u3067\u306e\u9593\u3001\u9577\u671f\u4ecb\u8b77\u3092\u5fc5\u8981\u3068\u3059\u308b\u78ba\u7387\u306f3\u4eba\u306b\u3075\u305f\u308a\u306e\u5272\u5408\u3067\u3042\u308a\u3001\u53cd\u5bfe\u306b5\u4eba\u306b\u3072\u3068\u308a\u306f5\u5e74\u4ee5\u4e0a\u306e\u4ecb\u8b77\u3092\u5fc5\u8981\u3068\u3059\u308b\u3068\u3044\u3046\u7d50\u679c\u3067\u3059\u3002<\/p>\n<p align=\"left\">\u9577\u671f\u4ecb\u8b77\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u5834\u5408\u3001\u4f4f\u3080\u5834\u6240\u306b\u3088\u3063\u3066\u305d\u306e\u30b3\u30b9\u30c8\u306f\u5927\u304d\u304f\u5909\u308f\u308a\u307e\u3059\u304c\u3001\u5b89\u304f\u3066$55,000\u3001\u9ad8\u3044\u3068$170,000\u3060\u305d\u3046\u3067\u3059\u3002\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308bGenworth\u306b\u3088\u308c\u3070\u3001\u5e73\u5747\u7684\u306a\u4ecb\u52a9\u65bd\u8a2d\uff08Assisted living facility\uff09\u306e\u500b\u5ba4\u3092\u3068\u3063\u305f\u5834\u5408\u3001\u4e00\u65e5$206\u3001\u5e74\u9593\u306b\u3057\u3066$75,190\u306e\u30b3\u30b9\u30c8\u304c\u304b\u304b\u308b\u3068\u306e\u3053\u3068\u3002\u307e\u305f\u5728\u5b85\u4ecb\u8b77\u306e\u5e73\u5747\u7684\u8cbb\u7528\u306f$35,000\u307b\u3069\u3068\u306e\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3060\u3051\u3092\u3068\u3063\u3066\u3082\u5341\u5206\u306a\u6e96\u5099\u304c\u306a\u3044\u4eba\u304c\u591a\u3044\u30a2\u30e1\u30ea\u30ab\u3067\u306f\u3001\u3053\u306e\u9577\u671f\u4ecb\u8b77\u306e\u554f\u984c\u306f\u5927\u304d\u306a\u8ab2\u984c\u3067\u3059\u3002\u305f\u3068\u3048\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u304c\u305d\u3053\u305d\u3053\u8caf\u3081\u3066\u3042\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u9577\u5f15\u304f\u9577\u671f\u4ecb\u8b77\u306e\u305f\u3081\u306b\u8cc7\u91d1\u304c\u4e88\u5b9a\u3088\u308a\u305a\u3063\u3068\u65e9\u304f\u5e95\u3092\u7740\u3044\u3066\u3057\u307e\u3046\u3068\u3044\u3046\u3053\u3068\u3082\u3042\u308a\u3048\u307e\u3059\u3002\u306a\u3093\u3068\u3082\u5fc3\u7d30\u304f\u306a\u308b\u3088\u3046\u306a\u8a71\u3067\u3059\u304c\u3001\u79c1\u305f\u3061\u306f\u3044\u3063\u305f\u3044\u3069\u306e\u3088\u3046\u306a\u6e96\u5099\u304c\u3067\u304d\u308b\u306e\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u9577\u671f\u4ecb\u8b77\u3078\u306e\u5bfe\u51e6\u6cd5<\/h2>\n<p>\u4e00\u756a\u591a\u3044\u3068\u601d\u308f\u308c\u308b\u30b1\u30fc\u30b9\u306f\u3001\u5bb6\u65cf\u30fb\u89aa\u621a\u306e\u304a\u4e16\u8a71\u306b\u306a\u308b\u3053\u3068\u3067\u3059\u3002\u540c\u5c45\u3001\u3042\u308b\u3044\u306f\u8fd1\u304f\u306b\u4f4f\u3080\u3053\u3068\u3067\u3001\u5fc5\u8981\u306a\u30b1\u30a2\u3092\u3057\u3066\u3082\u3089\u3046\u3068\u3044\u3046\u30d1\u30bf\u30fc\u30f3\u3067\u3059\u3002<\/p>\n<p>\u3082\u3046\u3072\u3068\u3064\u306f\u3001\u6255\u3048\u308b\u5206\u3060\u3051\u6255\u3063\u3066\u3001\u8cc7\u7523\u304c\u5341\u5206\u5c11\u306a\u304f\u306a\u3063\u305f\u6642\u70b9\u3067\u3001Medcaid\u306e\u9577\u671f\u4ecb\u8b77\u3092\u7533\u8acb\u3059\u308b\u65b9\u6cd5\u3067\u3059\u3002Medicaid\u306e\u9577\u671f\u4ecb\u8b77\u306e\u8cc7\u683c\u3092\u5f97\u308b\u305f\u3081\u306f\u3001\u53ce\u5165\u9762\u3067\u3082\u8cc7\u7523\u9762\u3067\u3082\u4e00\u5b9a\u4ee5\u4e0b\u3067\u3042\u308b\u3053\u3068\u304c\u8981\u6c42\u3055\u308c\u307e\u3059\u3002\u4eba\u306b\u3088\u3063\u3066\u306f\u3001\u8cc7\u7523\u3092\u5b50\u3069\u3082\u306b\u5206\u914d\u3057\u3001\u6240\u6301\u8cc7\u7523\u3092\u4f4e\u304f\u3059\u308b\u3053\u3068\u3067\u8cc7\u683c\u3092\u5f97\u3088\u3046\u3068\u3059\u308b\u4eba\u3082\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u4e0d\u53ef\u80fd\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u7c21\u5358\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u307e\u305f\u53cd\u5bfe\u306b\u3001\u9577\u671f\u4ecb\u8b77\u306b\u8010\u3048\u3046\u308b\u3060\u3051\u8cc7\u91d1\u3092\u305f\u3081\u3066\u304a\u304f\u3068\u3044\u3046\u65b9\u6cd5\u3082\u3042\u308a\u307e\u3059\u3002\u751f\u6d3b\u8cbb\u3060\u3051\u3067\u306a\u304f\u9577\u671f\u4ecb\u8b77\u3082\u8996\u91ce\u306b\u5165\u308c\u305f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3065\u304f\u308a\u304c\u5fc5\u8981\u306b\u306a\u308a\u307e\u3059\u300260\u6b73\u3067$\u6570\u30df\u30ea\u30aa\u30f3\u300175\u6b73\u3067$\uff11\u30df\u30ea\u30aa\u30f3\u4ee5\u4e0a\u306e\u84c4\u3048\u304c\u3042\u308c\u3070\u3001\u9577\u671f\u4ecb\u8b77\u306b\u3082\u5099\u3048\u3089\u308c\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u304f\u306a\u308b\u3068\u3044\u3048\u307e\u3057\u3087\u3046\u3002\u624b\u6301\u3061\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u4ee5\u5916\u306b\u3001\u6301\u3061\u5bb6\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u6301\u3061\u5bb6\u306e\u30ea\u30d0\u30fc\u30b9\u30e2\u30fc\u30b2\u30fc\u30b8\u306a\u3069\u306e\u4ed5\u7d44\u307f\u3092\u4f7f\u3063\u3066\u3001\u30a8\u30af\u30a4\u30c6\u30a3\u3092\u4f7f\u3046\u3068\u3044\u3046\u624b\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u6700\u5f8c\u306b\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u3092\u8cfc\u5165\u3059\u308b\u3068\u3044\u3046\u30aa\u30d7\u30b7\u30e7\u30f3\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u4e0a\u306e\u3088\u3046\u306b\u81ea\u5df1\u8cc7\u91d1\u304c\u6f64\u6ca2\u3067\u306f\u306a\u304f\u3001\u9577\u671f\u4ecb\u8b77\u306e\u8cbb\u7528\u3092\u81ea\u5206\u3067\u307e\u304b\u306a\u3044\u304d\u308c\u306a\u3044\u304c\u3001\u304b\u3068\u3044\u3063\u3066Medicaid\u306e\u9577\u671f\u4ecb\u8b77\u3092\u53d7\u3051\u3089\u308c\u308b\u307b\u3069\u53ce\u5165\u30fb\u8cc7\u7523\u304c\u4f4e\u304f\u306a\u3044\u4eba\u306b\u3068\u3063\u3066\u3001\u8003\u616e\u3055\u308c\u308b\u3079\u304d\u30aa\u30d7\u30b7\u30e7\u30f3\u3067\u3059\u3002\u4ecb\u8b77\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u3068\u304d\u3001\u5b9a\u984d\u306e\u88dc\u511f\u3092\u5f97\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u3068\u306f<\/h2>\n<p>\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306f\u3001Medicare\u3084\u305d\u306e\u4ed6\u306e\u5065\u5eb7\u4fdd\u967a\u3067\u306f\u30ab\u30d0\u30fc\u3055\u308c\u306a\u3044\u9577\u671f\u4ecb\u8b77\u3092\u30ab\u30d0\u30fc\u3059\u308b\u4fdd\u967a\u3067\u3059\u3002\u5728\u5b85\u4ecb\u8b77\uff08Custodial care\uff09\u3001\u4ecb\u52a9\u65bd\u8a2d\uff08Assisted-living facilities\uff09\u3067\u306e\u4ecb\u8b77\u3001\u30ca\u30fc\u30b7\u30f3\u30b0\u30db\u30fc\u30e0\u3067\u306e\u4ecb\u8b77\u306a\u3069\u304c\u5bfe\u8c61\u306b\u306a\u308a\u307e\u3059\u3002\u4e0a\u8a18ADL\u306e\u3046\u3061\u5c11\u306a\u304f\u3068\u3082\u3075\u305f\u3064\u306e\u6a5f\u80fd\u304c\u55aa\u5931\u3055\u308c\u305f\u3068\u304d\u3001\u3042\u308b\u3044\u306f\u8a8d\u77e5\u75c7\u3068\u8a8d\u5b9a\u3055\u308c\u305f\u3068\u304d\u306b\u88dc\u511f\u304c\u59cb\u307e\u308a\u307e\u3059\u3002<\/p>\n<p>\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u4fdd\u967a\u6599\u306f\u5b89\u304f\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4fdd\u967a\u6599\u3092\u6c7a\u3081\u308b\u8981\u7d20\u306f\u3001\u5e74\u9f62\u3001\u5065\u5eb7\u72b6\u614b\u3001\u4e00\u65e5\u3042\u305f\u308a\u306e\u88dc\u511f\u984d\u3001\u88dc\u511f\u306e\u671f\u9593\u3001\u30a4\u30f3\u30d5\u30ec\u4fdd\u8b77\u306e\u6709\u7121\u3068\u6709\u308a\u306e\u5834\u5408\u306f\u305d\u306e\u5185\u5bb9\u3067\u3059\u3002\u5c11\u3057\u524d\u307e\u3067\u306f\u3001\u6027\u5225\u306f\u8003\u616e\u3055\u308c\u307e\u305b\u3093\u3067\u3057\u305f\u304c\u3001\u6700\u8fd1\u3067\u306f\u6027\u5225\u3054\u3068\u306e\u4fdd\u967a\u6599\u8a2d\u5b9a\u3092\u3059\u308b\u4f1a\u793e\u3082\u73fe\u308c\u307e\u3057\u305f\u3002\u6761\u4ef6\u304c\u540c\u3058\u3067\u3042\u308c\u3070\u3001\u5973\u6027\u306e\u307b\u3046\u304c\u7537\u6027\u3088\u308a\u4fdd\u967a\u6599\u304c\u9ad8\u3081\u3067\u3059\u3002<\/p>\n<p>\u5e74\u9f62\u306f\u82e5\u3044\u307b\u3046\u304c\u3082\u3061\u308d\u3093\u4fdd\u967a\u6599\u304c\u4f4e\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306f\u5b8c\u5168\u306a\u639b\u3051\u6368\u3066\u4fdd\u967a\u3067\u3001\u7a4d\u307f\u7acb\u3066\u306e\u8981\u7d20\u306f\u3042\u308a\u307e\u305b\u3093\u304b\u3089\u3001\u82e5\u5e74\u3067\u59cb\u3081\u308b\u4eba\u306f\u591a\u304f\u306f\u3042\u308a\u307e\u305b\u3093\u300250\u4ee3\u3092\u904e\u304e\u305f\u3068\u3053\u308d\u3067\u8003\u3048\u59cb\u3081\u308b\u4eba\u304c\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u52a0\u5165\u3092\u4f38\u3070\u3057\u3059\u304e\u9ad8\u9f62\u306b\u306a\u308b\u3068\u3001\u4fdd\u967a\u6599\u304c\u975e\u5e38\u306b\u9ad8\u304f\u306a\u308a\u3001\u305d\u306e\u5272\u306b\u306f\u53d7\u3051\u3089\u308c\u308b\u88dc\u511f\u306f\u591a\u304f\u306a\u3044\u3068\u3044\u3046\u72b6\u614b\u306b\u3082\u306a\u308a\u3048\u307e\u3059\u3002\u307e\u305f\u3001\u3044\u3063\u305f\u3093\u5065\u5eb7\u3092\u5bb3\u3059\u308b\u3068\u52a0\u5165\u304c\u304b\u306a\u308a\u96e3\u3057\u304f\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u6700\u8fd1\u3067\u306f\u4fdd\u967a\u4f1a\u793e\u3082\u52a0\u5165\u8005\u306e\u5065\u5eb7\u72b6\u614b\u3092\u53b3\u3057\u304f\u541f\u5473\u3059\u308b\u50be\u5411\u304c\u3042\u308a\u3001\u9ad8\u8840\u5727\u3060\u3051\u3067\u62d2\u5426\u3055\u308c\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u4e00\u65e5\u306e\u88dc\u511f\u984d\u306f$150\uff5e$200\u304c\u76ee\u5b89\u3001\u88dc\u511f\u306e\u671f\u9593\u306f2\u5e74\u304b\u30896\u5e74\u307b\u3069\u307e\u3067\u3067\u3059\u3002\u30a4\u30f3\u30d5\u30ec\u4fdd\u8b77\u306b\u3064\u3044\u3066\u306f\u4e0b\u8a18\u3067\u3082\u66f8\u304d\u307e\u3059\u304c\u3001\u975e\u5e38\u306b\u5927\u5207\u306a\u8981\u7d20\u3067\u3042\u308a\u3001\u305d\u308c\u3086\u3048\u5341\u5206\u306a\u4fdd\u8b77\u304c\u3042\u308b\u4fdd\u967a\u306b\u306a\u308b\u3068\u30b3\u30b9\u30c8\u304c\u975e\u5e38\u306b\u9ad8\u304f\u306a\u308b\u3068\u3044\u3046\u5074\u9762\u3082\u3042\u308a\u307e\u3059\u3002\u76ee\u5b89\u3068\u3057\u3066\u3044\u304f\u3064\u304b\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u4f8b\u3092\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"text-decoration: underline;\">$150\/\u65e5\uff58\uff13\u5e74\u307e\u3067\u306e\u88dc\u511f\u3001\uff13\uff05\u798f\u5229\u306e\u30a4\u30f3\u30d5\u30ec\u4fdd\u8b77\u3042\u308a<\/span><\/p>\n<ul>\n<li>\u6a19\u6e96\u7684\u306b\u5065\u5eb7\u306a55\u6b73\uff1a\u3000\u5e74\u9593\u4fdd\u967a\u6599$2,007<\/li>\n<li>\u6a19\u6e96\u3088\u308a\u512a\u308c\u3066\u5065\u5eb7\u306a55\u6b73\uff1a\u3000\u5e74\u9593\u4fdd\u967a\u6599$1,720<\/li>\n<li>\u6a19\u6e96\u7684\u306b\u5065\u5eb7\u306a55\u6b73\u306e\u592b\u5a66\uff1a\u3000\u5e74\u9593\u4fdd\u967a\u6599$2,466<\/li>\n<li>\u6a19\u6e96\u7684\u306b\u5065\u5eb7\u306a60\u6b73\u306e\u592b\u5a66\uff1a\u3000\u5e74\u9593\u4fdd\u967a\u6599$3,381<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u554f\u984c\u70b9<\/h2>\n<p>\u3055\u3066\u3001\u3044\u3056\u9577\u671f\u4ecb\u8b77\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u3068\u304d\u306b\u306f\u304d\u3063\u3068\u5fc3\u5f37\u3044\u306f\u305a\u306e\u4ecb\u8b77\u4fdd\u967a\u3067\u3059\u304c\u3001\u4fdd\u967a\u8cfc\u5165\u3092\u52e7\u3081\u306a\u3044\u3001\u3042\u308b\u3044\u306f\u8cfc\u5165\u306b\u3042\u305f\u3063\u3066\u306f\u6ce8\u610f\u3092\u547c\u3073\u304b\u3051\u308b\u5c02\u9580\u5bb6\u304c\u591a\u304f\u3044\u307e\u3059\u3002\u6b8b\u5ff5\u306a\u3053\u3068\u306b\u3001\u8cac\u4efb\u306e\u306a\u3044\u4fdd\u967a\u4f1a\u793e\u304c\u9ad8\u9f62\u8005\u3092\u643e\u53d6\u3059\u308b\u3088\u3046\u306a\u7d50\u679c\u306b\u306a\u3063\u3066\u3044\u308b\u30b1\u30fc\u30b9\u3082\u5831\u544a\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306f\u3001\u5951\u7d04\u3092\u3057\u3066\u304b\u3089\u88dc\u511f\u3092\u5f97\u308b\u307e\u3067\u306b\u3001\u4f55\u5341\u5e74\u3082\u306e\u671f\u9593\u304c\u7d4c\u904e\u3059\u308b\u30b1\u30fc\u30b9\u304c\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u6642\u306e\u7d4c\u904e\u306b\u3088\u308a\u3001\u9577\u671f\u4ecb\u8b77\u3092\u3068\u308a\u307e\u304f\u74b0\u5883\u3082\u591a\u69d8\u306b\u5909\u5316\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u3001\u307e\u305a\u306f\u56fa\u5b9a\u7684\u306a\u4fdd\u967a\u5951\u7d04\u304c\u3069\u3053\u307e\u3067\u6709\u52b9\u304b\u3068\u3044\u554f\u984c\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u554f\u984c\u306f\u3001\u306a\u306b\u3082\u6d88\u8cbb\u8005\u3067\u3042\u308b\u79c1\u305f\u3061\u306b\u3068\u3063\u3066\u3060\u3051\u3067\u306a\u304f\u3001\u4fdd\u967a\u4f1a\u793e\u306b\u3068\u3063\u3066\u3082\u540c\u3058\u3053\u3068\u3067\u3059\u3002\u904e\u53bb\u306e\u533b\u7642\u8cbb\u3084\u4ecb\u8b77\u8cbb\u306e\u9ad8\u9a30\u306f\u76ee\u3092\u898b\u5f35\u308b\u3082\u306e\u304c\u3042\u308a\u3001\u63a1\u7b97\u4e0a\u3059\u3067\u306b\u7acb\u3061\u884c\u304b\u306a\u304f\u306a\u3063\u305f\u4fdd\u967a\u4f1a\u793e\u3082\u591a\u304f\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u304b\u3089\u306f\u624b\u3092\u3072\u304f\u4f1a\u793e\u3082\u51fa\u3066\u304d\u307e\u3057\u305f\u3002MetLife\u3084Prudential\u3082\u305d\u306e\u3046\u3061\u3067\u3059\u3002\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u3067\u3001\u5065\u5168\u306a\u5229\u76ca\u3092\u78ba\u4fdd\u3057\u3066\u3044\u304f\u3053\u3068\u304c\u975e\u5e38\u306b\u56f0\u96e3\u306b\u306a\u3063\u3066\u304d\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u306e\u3088\u3046\u3067\u3059\u3002\u3053\u306e\u3053\u3068\u3092\u8003\u3048\u5408\u308f\u305b\u308b\u3068\u3001\u4eca\u5951\u7d04\u3057\u305f\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u304c\u300120\u5e74\u5f8c\u300130\u5e74\u5f8c\u306b\u672c\u5f53\u306b\u88dc\u511f\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u3068\u304d\u306b\u3001\u78ba\u304b\u306b\u88dc\u511f\u3092\u53d7\u3051\u3089\u308c\u308b\u306e\u304b\u3068\u3044\u3046\u554f\u984c\u3001\u3042\u308b\u3044\u306f\u305d\u3082\u305d\u3082\u4f1a\u793e\u81ea\u4f53\u304c\u7d4c\u55b6\u4e0a\u5065\u5168\u306b\u5b58\u7d9a\u3057\u3066\u3044\u308b\u304b\u3068\u3044\u3046\u554f\u984c\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u3088\u3046\u306a\u72b6\u6cc1\u4e0b\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u304c\u306a\u3093\u3068\u304b\u904b\u55b6\u3092\u7d9a\u3051\u308b\u305f\u3081\u306b\u3001\u4fdd\u967a\u6599\u3092\u4e0a\u3052\u308b\u3001\u3042\u308b\u3044\u306f\u88dc\u511f\u3092\u5c11\u306a\u304f\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u304c\u8d77\u3053\u3063\u3066\u3044\u307e\u3059\u3002John Hancock\u306f\u30012009\u5e74\u306b\u304b\u3051\u3066\u4fdd\u967a\u5951\u7d04\u306b\u3088\u3063\u3066\u7570\u306a\u308a\u307e\u3059\u304c13\uff05\uff5e18\uff05\u306e\u5024\u4e0a\u3052\u3001\u305d\u306e\u5f8c2011\u5e74\u306b36\uff05\uff5e41\uff05\u306e\u5024\u4e0a\u3052\u30012013\u5e74\u306b\u4e00\u90e8\u306f7.6\uff05\u306e\u5024\u4e0a\u3052\u3068\u3044\u3046\u5177\u5408\u3067\u3059\u3002\u5951\u7d04\u306b\u3088\u3063\u3066\u306f\u3001\u4e00\u5e74\u306755\uff05\u3068\u304b\u300167\uff05\u3068\u304b\u300171\uff05\u306a\u3069\u3044\u3046\u5024\u4e0a\u3052\u7387\u3060\u3063\u305f\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002\u4e00\u65b9Genworth\u306f\u30012008\u5e74\u306b12\uff05\u30012012\u5e74\u306b18\uff05\u30012013\u5e74\u306b35\uff5e95\uff05\u306e\u5024\u4e0a\u3052\u3068\u3044\u3046\u5177\u5408\u3067\u3059\u3002\u5b9f\u969b\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u5951\u7d04\u3067\u306f\u3001\u4fdd\u967a\u6599\u3001\u88dc\u511f\u5185\u5bb9\u3092\u4fdd\u967a\u4f1a\u793e\u304c\u5f8c\u3067\u5909\u66f4\u3067\u304d\u308b\u3053\u3068\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u5f8c\u3067\u5951\u7d04\u3092\u30ad\u30e3\u30f3\u30bb\u30eb\u3059\u308b\u3053\u3068\u306f\u3067\u304d\u307e\u3059\u304c\u3001\u305d\u308c\u307e\u3067\u6255\u3044\u8fbc\u3093\u3060\u4fdd\u967a\u6599\u306f\u623b\u3063\u3066\u304d\u307e\u305b\u3093\u3002<\/p>\n<p>\u3082\u3046\u3072\u3068\u3064\u306e\u61f8\u5ff5\u306f\u30a4\u30f3\u30d5\u30ec\u3078\u306e\u5bfe\u5fdc\u3067\u3059\u3002\u30a4\u30f3\u30d5\u30ec\u306f\u5c06\u6765\u306e\u8ca8\u5e63\u4fa1\u5024\u3092\u4e0b\u3052\u307e\u3059\u304c\u300120\u5e74\u300130\u5e74\u3068\u3044\u3046\u671f\u9593\u3092\u8003\u3048\u308b\u3068\u3001\u4eca\u5951\u7d04\u3057\u305f\u88dc\u511f\u984d\u304c\u5b9f\u969b\u306b\u88dc\u511f\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u3068\u304d\u306b\u3001\u3069\u308c\u307b\u3069\u6709\u52b9\u304b\u3068\u3044\u3046\u554f\u984c\u304c\u3042\u308a\u307e\u3059\u3002\u4e00\u65e5\u306e\u88dc\u511f\u3092$150\u3067\u5951\u7d04\u3057\u305f\u3068\u3057\u3066\u3001\u30a4\u30f3\u30d5\u30ec\u304c\u5e74\uff13\uff05\u3060\u3063\u305f\u5834\u5408\u300130\u5e74\u5f8c\u306e$150\u306f\u73fe\u5728\u306e$62\u306b\u76f8\u5f53\u3059\u308b\u3060\u3051\u306e\u4fa1\u5024\u3057\u304b\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u308c\u306b\u5bfe\u5fdc\u3059\u308b\u305f\u3081\u3001\u5404\u4fdd\u967a\u4f1a\u793e\u306f\u30a4\u30f3\u30d5\u30ec\u4fdd\u8b77\uff08Inflation protection\uff09\u3068\u3044\u3046\u7279\u7d04\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u3053\u308c\u306f\u5b89\u304f\u3042\u308a\u307e\u305b\u3093\u3002\u901a\u5e38\u3001\uff12\uff05\uff5e\uff15\uff05\u306e\u7bc4\u56f2\u3067\u30a4\u30f3\u30d5\u30ec\u4fdd\u8b77\u7387\u3092\u9078\u3076\u3068\u3068\u3082\u306b\u3001\u798f\u5229\u304b\u5358\u5229\u304b\uff08\u798f\u5229\u306e\u307b\u3046\u304c\u73fe\u5b9f\u306b\u6cbf\u3046\uff09\u3092\u9078\u3073\u307e\u3059\u3002\u9078\u3076\u4fdd\u8b77\u306b\u3088\u3063\u3066\u3001\u4fdd\u967a\u6599\u306f50\uff05\uff5e100\uff05\u30a2\u30c3\u30d7\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001\u88dc\u511f\u304c\u672c\u5f53\u306b\u5fc5\u8981\u306b\u306a\u3063\u305f\u3068\u304d\u3001\u4fdd\u967a\u4f1a\u793e\u306e\u8fc5\u901f\u3067\u771f\u646f\u306a\u5bfe\u5fdc\u304c\u671b\u3081\u308b\u304b\u3068\u3044\u3046\u554f\u984c\u3082\u3042\u308b\u3088\u3046\u3067\u3059\u3002\u5fc3\u306a\u3044\uff08\u904b\u55b6\u306b\u56f0\u7aae\u3057\u3066\u3044\u308b\uff09\u4fdd\u967a\u4f1a\u793e\u306a\u3069\u3067\u306f\u3001\u8133\u6897\u585e\u3067\u8a8d\u77e5\u75c7\u306e\u5f8c\u907a\u75c7\u304c\u6b8b\u3063\u305f\u305f\u3081\uff08\u533b\u5e2b\u306e\u8a3a\u65ad\u3082\u3042\u308b\u3046\u3048\u3067\uff09\u4fdd\u967a\u7533\u8acb\u3092\u884c\u3063\u305f\u3068\u3053\u308d\u3001\u7533\u8acb\u904e\u7a0b\u3067\u4f55\u6bb5\u968e\u3082\u306e\u305f\u3089\u3044\u307e\u308f\u3057\u306b\u5408\u3044\u3001\u9577\u671f\u9593\u3092\u8cbb\u3084\u3057\u305f\u679c\u3066\u306b\u306f\u3001\u4fdd\u967a\u5951\u7d04\u4e0a\u306e\u300c\u8a8d\u77e5\u75c7\u3067\u306f\u306a\u3044\u300d\u3068\u3044\u3046\u7406\u7531\u3067\u5374\u4e0b\u3055\u308c\u305f\u3068\u3044\u3046\u30b1\u30fc\u30b9\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u3067\u306f\u3069\u3046\u3059\u308b\u3079\u304d\u304b\u30fb\u30fb\u30fb<\/h2>\n<p>\u4fdd\u967a\u3068\u3044\u3046\u3082\u306e\u306f\u3044\u3056\u3068\u3044\u3046\u3068\u304d\u306e\u591a\u5927\u306a\u30b3\u30b9\u30c8\u3092\u3001\u81ea\u5206\u3067\u62b1\u3048\u8fbc\u307e\u306a\u304f\u3066\u3044\u3044\u3088\u3046\u306b\u3001\u305d\u306e\u30ea\u30b9\u30af\u3092\u4fdd\u967a\u4f1a\u793e\u306b\u80a9\u4ee3\u308f\u308a\u3057\u3066\u3082\u3089\u3046\u3082\u306e\u3067\u3059\u3002\u672c\u6765\u3067\u3042\u308c\u3070\u3001\u591a\u304f\u306e\u500b\u4eba\u306e\u30ea\u30b9\u30af\u3092\u307e\u3068\u3081\u3066\u80a9\u4ee3\u308f\u308a\u3059\u308b\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u500b\u4eba\u3072\u3068\u308a\u304c\u305d\u306e\u30ea\u30b9\u30af\u306e\u305f\u3081\u306e\u8cc7\u91d1\u6e96\u5099\u3092\u884c\u3046\u3088\u308a\u306f\u305a\u3063\u3068\u52b9\u7387\u7684\u306b\u3001\u305d\u308c\u3092\u5b9f\u73fe\u3067\u304d\u308b\u306f\u305a\u3067\u3059\u3002\u305d\u308c\u3053\u305d\u304c\u4fdd\u967a\u4f1a\u793e\u306e\u5b58\u5728\u610f\u7fa9\u3067\u3059\u3002\u3068\u3053\u308d\u304c\u3001\u3069\u3046\u3084\u3089\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306b\u304a\u3044\u3066\u306f\u3001\u305d\u3053\u306e\u3068\u3053\u308d\u304c\u3069\u3046\u3082\u5fc3\u3082\u3068\u306a\u3044\u306e\u3067\u306f\u306a\u3044\u304b\u3068\u3044\u3046\u7591\u3044\u304c\u5f37\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u500b\u4eba\u304c\u652f\u6255\u3046\u4fdd\u967a\u6599\u306f\u5272\u9ad8\u306a\u4e0a\u3001\u88dc\u511f\u304c\u5341\u5206\u3067\u306a\u3044\u3001\u4fdd\u967a\u6599\u3082\u88dc\u511f\u5185\u5bb9\u3082\u5909\u66f4\u3055\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3001\u4f55\u5341\u5e74\u5f8c\u306b\u88dc\u511f\u304c\u5fc5\u8981\u306a\u3068\u304d\u4e0d\u78ba\u5b9a\u8981\u7d20\u304c\u306c\u3050\u3048\u306a\u3044\u3068\u306a\u308b\u3068\u3001\u6b8b\u5ff5\u306a\u304c\u3089\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u3055\u3048\u8cfc\u5165\u3059\u308c\u3070\u5927\u4e08\u592b\u3068\u306f\u5b89\u5fc3\u3057\u3066\u3044\u3089\u308c\u306a\u3044\u72b6\u614b\u3067\u3059\u3002\u3067\u306f\u3001\u3069\u3046\u3057\u305f\u3089\u3044\u3044\u306e\u304b\u3001\u5178\u578b\u7684\u306a\u4f8b\u3092\u60f3\u5b9a\u3057\u3064\u3064\u5e74\u9f62\u5225\u306b\u8003\u3048\u3066\u307f\u307e\u3059\u3002<\/p>\n<p 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