{"id":4691,"date":"2019-04-23T10:45:14","date_gmt":"2019-04-23T18:45:14","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=4691"},"modified":"2019-04-18T17:45:33","modified_gmt":"2019-04-19T01:45:33","slug":"ltci_1","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/ltci_1\/","title":{"rendered":"\u9577\u671f\u4ecb\u8b77\u306b\u3064\u3044\u3066\u8003\u3048\u308b"},"content":{"rendered":"<h2>\u9577\u671f\u4ecb\u8b77\u3068\u306f<\/h2>\n<p>&nbsp;<\/p>\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>\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<\/p>\n<p>&nbsp;<\/p>\n<h2>\u9577\u671f\u4ecb\u8b77\u306e\u30b3\u30b9\u30c8\u3068\u78ba\u7387<\/h2>\n<p>&nbsp;<\/p>\n<p>\u5b9f\u969b\u4ecb\u8b77\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u3068\u304d\u3069\u306e\u304f\u3089\u3044\u306e\u30b3\u30b9\u30c8\u304c\u304b\u304b\u308b\u306e\u304b\u30fb\u30fb\u3053\u308c\u306f\u3001\u3060\u308c\u3082\u304c\u77e5\u308a\u305f\u3044\u3053\u3068\u3067\u3059\u304c\u3001\u7b54\u3048\u306f\u7c21\u5358\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4ecb\u8b77\u3068\u3044\u3063\u3066\u3082\u3055\u307e\u3056\u307e\u306a\u30bf\u30a4\u30d7\u304c\u3042\u308b\u3046\u3048\u3001\u30b3\u30b9\u30c8\u306f\u5730\u57df\u5dee\u304c\u5927\u304d\u304f\u3001\u307e\u305f\u4ecb\u8b77\u3092\u5fc5\u8981\u3068\u3059\u308b\u671f\u9593\u304c\u3069\u306e\u304f\u3089\u3044\u304b\u3082\u5927\u304d\u306a\u5dee\u3092\u751f\u307f\u307e\u3059\u3002\u4e0b\u8a18\u306fGenworth\u8abf\u3079\u306e\u5404\u7a2e\u4ecb\u8b77\u30bf\u30a4\u30d7\u5225\u306e\u5e73\u5747\u30b3\u30b9\u30c8\u3067\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4693\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/04\/cost.png?resize=810%2C329&#038;ssl=1\" alt=\"\" width=\"810\" height=\"329\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/04\/cost.png?w=854&amp;ssl=1 854w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/04\/cost.png?resize=300%2C122&amp;ssl=1 300w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/04\/cost.png?resize=768%2C312&amp;ssl=1 768w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 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\uff15\u5e74\u4ee5\u4e0a\u306e\u30ca\u30fc\u30b7\u30f3\u30b0\u30db\u30fc\u30e0\u6ede\u5728\u304c\u5fc5\u8981\u3068\u306a\u308b\u4eba\u306f\u3001\u7537\u6027\u3067\uff12%\u3001\u5973\u6027\u3067\uff17\uff05<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Merrill Lynch\u793e\u306e\u8abf\u3079\u306b\u3088\u308b\u3068\u3001\u5973\u6027\u306f\u5e73\u5747\u30675\u5e74\u307b\u3069\u7537\u6027\u307b\u3069\u5bff\u547d\u304c\u9577\u3044\u305f\u3081\u3001\u7537\u6027\u3088\u308a$194,000\u4f59\u5206\u306b\u30b3\u30b9\u30c8\u304c\u304b\u304b\u308b\u3002<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 U.S. Department of Health and Human Services\u306b\u3088\u308b\u3068\u30012015\u5e74\u304b\u30892019\u5e74\u306b65\u6b73\u306b\u306a\u308b\u4eba\u306e48\uff05\u306f\u6709\u6599\u3067\u63d0\u4f9b\u3055\u308c\u308b\u4ecb\u8b77\u306f\u5fc5\u8981\u3068\u3057\u306a\u3044\u4e00\u65b9\u3067\u300125%\u4ee5\u4e0a\u306e\u4eba\u306f$100,000\u4ee5\u4e0a\u306e\u6709\u6599\u4ecb\u8b77\u3092\u3001\u3055\u3089\u306b15\uff05\u306f$250,000\u4ee5\u4e0a\u306e\u6709\u6599\u4ecb\u8b77\u3092\u5fc5\u8981\u3068\u3059\u308b\u3002<\/p>\n<p>\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Morningstar\u793e\u306e\u8abf\u3079\u306b\u3088\u308b\u3068\u3001\u5e73\u5747\u7684\u306a\u76ee\u5b89\u3068\u3057\u3066\u306f\u3001\u8a8d\u77e5\u75c7\u72b6\u306a\u3057\u3067\u306e\u6700\u5f8c\u306e5\u5e74\u9593\u306e\u4ecb\u8b77\u30b3\u30b9\u30c8\u306f$217,820\u3001\u8a8d\u77e5\u75c7\u72b6\u304c\u3042\u3063\u305f\u5834\u5408\u306f$341,651\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u9577\u671f\u4ecb\u8b77\u3078\u306e\u5bfe\u51e6\u6cd5<\/h2>\n<p>&nbsp;<\/p>\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\u30ea\u30bf\u30a4\u30e4\u3059\u308b\u306a\u3089$\u6570\u30df\u30ea\u30aa\u30f3\u300175\u6b73\u306b\u306a\u3063\u305f\u6642\u70b9\u306a\u3089$\uff11\u30df\u30ea\u30aa\u30f3\u4ee5\u4e0a\u306e\u84c4\u3048\uff08\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5e74\u91d1\u306a\u3069\u56fa\u5b9a\u53ce\u5165\u3082\u542b\u3081\u308b\uff09\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<\/p>\n<p>\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\u3068\u306f\u3044\u3063\u3066\u3082\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u4fdd\u967a\u6599\u3082\u6c7a\u3057\u3066\u5b89\u304f\u306f\u306a\u3044\u306e\u3067\u3001\u81ea\u5206\u3067\u8cc7\u91d1\u3065\u304f\u308a\u3092\u3057\u3066\u3067\u304d\u308b\u3060\u3051\u3092\u84c4\u3048\u308b\u304b\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u3092\u8cfc\u5165\u3059\u308b\u304b\u306f\u3088\u304f\u3088\u304f\u306e\u8003\u616e\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u3068\u306f<\/h2>\n<p>&nbsp;<\/p>\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 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data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4692\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/04\/benefit.png?resize=592%2C476&#038;ssl=1\" alt=\"\" width=\"592\" height=\"476\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/04\/benefit.png?w=592&amp;ssl=1 592w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2019\/04\/benefit.png?resize=300%2C241&amp;ssl=1 300w\" sizes=\"auto, (max-width: 592px) 100vw, 592px\" 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&nbsp; 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