{"id":4710,"date":"2019-06-18T09:36:24","date_gmt":"2019-06-18T17:36:24","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=4710"},"modified":"2026-05-07T16:51:02","modified_gmt":"2026-05-08T00:51:02","slug":"%e9%95%b7%e6%9c%9f%e4%bb%8b%e8%ad%b7%e4%bf%9d%e9%99%ba%e3%82%92%e8%b2%b7%e3%81%86%e3%81%aa%e3%82%89%ef%bd%a5%ef%bd%a5%ef%bd%a5%ef%bc%88%ef%bc%92%ef%bc%89","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/%e9%95%b7%e6%9c%9f%e4%bb%8b%e8%ad%b7%e4%bf%9d%e9%99%ba%e3%82%92%e8%b2%b7%e3%81%86%e3%81%aa%e3%82%89%ef%bd%a5%ef%bd%a5%ef%bd%a5%ef%bc%88%ef%bc%92%ef%bc%89\/","title":{"rendered":"\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u3092\u8cb7\u3046\u306a\u3089\uff65\uff65\uff65\uff08\uff12\uff09"},"content":{"rendered":"

\u9577\u671f\u4ecb\u8b77\u306e\u5fc5\u8981\u306b\u5099\u3048\u308b\u305f\u3081\u306e\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u3002\u5404\u4fdd\u967a\u4f1a\u793e\u3067\u88dc\u511f\u5185\u5bb9\u304c\u5fae\u5999\u306b\u9055\u3063\u305f\u308a\u3059\u308b\u3046\u3048\u3001\u540c\u3058\u3088\u3046\u306a\u5185\u5bb9\u306e\u4fdd\u967a\u3067\u3042\u3063\u3066\u3082\u3001\u4f1a\u793e\u306b\u3088\u3063\u3066\u5024\u6bb5\u306b\u975e\u5e38\u306b\u5927\u304d\u306a\u5dee\u304c\u3042\u308b\u3053\u3068\u304c\u3088\u304f\u3042\u308a\u307e\u3059\u3002\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u3092\u8cb7\u3046\u5834\u5408\u3001\u3069\u306e\u3088\u3046\u306a\u9805\u76ee\u306b\u6c17\u3092\u914d\u3063\u305f\u3089\u3044\u3044\u306e\u304b\u30922\u56de\u306b\u5206\u3051\u3066\u307f\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u3001\u3069\u3053\u3067\u8cb7\u3046\uff1f<\/h2>\n

\u500b\u4eba\u3067\u8cfc\u5165\u3059\u308b\u4fdd\u967a<\/h3>\n

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\u96c7\u7528\u4e3b\u63d0\u4f9b\u306e\u4fdd\u967a<\/h3>\n

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\u96e2\u8077\u306e\u5834\u5408\u306f\u3001\uff08\u96c7\u7528\u4e3b\u304c\u30b0\u30eb\u30fc\u30d7\u4fdd\u967a\u3092\u30ad\u30e3\u30f3\u30bb\u30eb\u3057\u306a\u3044\u9650\u308a\uff09\u540c\u3058\u4fdd\u967a\u3092\u30ad\u30fc\u30d7\u3057\u7d9a\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u5834\u5408\u304c\u307b\u3068\u3093\u3069\u3067\u3059\u3002\u96c7\u7528\u4e3b\u63d0\u4f9b\u30d7\u30e9\u30f3\u3067\u306f\u3001\u500b\u4eba\u4fdd\u967a\u3067\u306f\u5f97\u3089\u308c\u306a\u3044\u3088\u3046\u306a\u7279\u5178\u304c\u3042\u308b\u5834\u5408\u3082\u3042\u308b\u306e\u3067\u3001\u5185\u5bb9\u3092\u3088\u304f\u7406\u89e3\u3059\u308b\u3068\u3068\u3082\u306b\u3001\u500b\u4eba\u4fdd\u967a\u306e\u4fdd\u967a\u6599\u306e\u898b\u7a4d\u3082\u308a\u3082\u96c6\u3081\u3001\u6bd4\u8f03\u3057\u3066\u307f\u308b\u3053\u3068\u304c\u8ce2\u660e\u3067\u3057\u3087\u3046\u3002\u5834\u5408\u306b\u3088\u3063\u3066\u306f\uff08\u3068\u304f\u306b\u5065\u5eb7\u306a\u4eba\uff09\u3001\u591a\u5c11\u9762\u5012\u3067\u3082\u30e1\u30c7\u30a3\u30ab\u30eb\u30c6\u30b9\u30c8\u3092\u53d7\u3051\u3066\u500b\u4eba\u4fdd\u967a\u306b\u5165\u308b\u65b9\u304c\u5b89\u3044\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u9023\u90a6\u30fb\u5dde\u653f\u5e9c\u306e\u4fdd\u967a<\/h3>\n

Federal and U.S. Postal Service employees\u306f\u3001 Federal Long Term Care Insurance<\/p>\n

Program\u3092\u5229\u7528\u3067\u304d\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u4fdd\u967a\u6599\u306e\u88dc\u52a9\u306f\u306a\u304f\u3001\u307e\u305f\u4fdd\u967a\u6599\u306f\u3001\u500b\u4eba\u4fdd\u967a\u306e\u4fdd\u967a\u6599\u3068\u6bd4\u3079\u3066\u5fc5\u305a\u3057\u3082\u5b89\u3044\u3068\u3044\u3046\u3053\u3068\u3082\u306a\u3044\u3088\u3046\u3067\u3059\u3002<\/p>\n

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 <\/p>\n

\u898b\u7a4d\u3082\u308a\u3092\u305f\u304f\u3055\u3093\u96c6\u3081\u308b<\/strong><\/h2>\n

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\"\"<\/a><\/p>\n

\u592b\u5a66\u3067\u52a0\u5165\u3059\u308b<\/strong><\/h2>\n

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\u3075\u305f\u308a\u4e00\u7dd2\u306b\u898b\u7a4d\u3082\u308a\u3092\u3068\u308a\u307e\u3057\u3087\u3046\u3002\u591a\u304f\u306e\u5834\u5408\u3001\u30c8\u30fc\u30bf\u30eb\u306e\u88dc\u511f\u30ea\u30df\u30c3\u30c8\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u304a\u308a\u3001\u305f\u3068\u3048\u3070\u305d\u308c\u304c\u30c8\u30fc\u30bf\u30eb\u3067$200,000\u3060\u3063\u305f\u5834\u5408\u3001\u592b\u304c$80,000\u5206\u88dc\u511f\u3092\u53d7\u3051\u305f\u3089\u3001\u59bb\u306f$120,000\u5206\u307e\u3067\u5229\u7528\u53ef\u80fd\u3068\u3044\u3046\u3088\u3046\u306a\u3057\u304f\u307f\u3067\u3059\u3002\u3042\u308b\u3044\u306f\u3001\u5e74\u6570\u30d9\u30fc\u30b9\u3067\u3001\u4e00\u4eba\u305a\u30643\u5e74\u307e\u3067\u306e\u88dc\u511f\u3001\u305f\u3060\u3057\u5408\u8a086\u5e74\u3092\u30d7\u30fc\u30eb\u3067\u304d\u3066\u3069\u3061\u3089\u306e\u914d\u5076\u8005\u304c\u4f7f\u3063\u3066\u3082\u3088\u3044\u3068\u3044\u3046\u3088\u3046\u306a\u30dd\u30ea\u30b7\u30fc\u3082\u3042\u308a\u307e\u3059\u3002\u3072\u3068\u308a\u304c5\u5e74\u4f7f\u3063\u305f\u5834\u5408\u306f\u3001\u6b8b\u308a\u306e\u4e00\u4eba\u306f1\u5e74\u306e\u307f\u306e\u88dc\u511f\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u5834\u5408\u3001\u4fdd\u967a\u6599\u3092\u4f4e\u304f\u4fdd\u3061\u3064\u3064\u4e8c\u4eba\u5206\u306e\u30ab\u30d0\u30fc\u3092\u5f97\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3082\u306e\u306e\u3001\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u4e00\u4eba\u304c\u5168\u984d\u5206\u4f7f\u3044\u679c\u305f\u3057\u3066\u3057\u307e\u3044\u3001\u4e8c\u4eba\u76ee\u306b\u306f\u88dc\u511f\u304c\u6b8b\u3055\u308c\u3066\u3044\u306a\u304b\u3063\u305f\u3068\u3044\u3046\u5371\u967a\u6027\u306f\u3042\u308a\u307e\u3059\u3002\u5951\u7d04\u306b\u3042\u305f\u3063\u3066\u306f\u3001\u3088\u304f\u7d0d\u5f97\u3057\u3066\u304b\u3089\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

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\u4ee5\u4e0b\u306f\u4e3b\u8981\u4fdd\u967a\u4f1a\u793e\u306eRating(2019\u5e744\u6708\u73fe\u5728)\u3067\u3059\u3002<\/p>\n

\"\"<\/p>\n

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 <\/p>\n

50<\/strong>\u4ee3\u3001\u9045\u304f\u3066\u3082<\/strong>65<\/strong>\u6b73\u307e\u3067\u306b\u306f\u8cb7\u3063\u3066\u304a\u304f<\/strong><\/h2>\n

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 <\/p>\n

\u5951\u7d04\u306f\u4e00\u751f\u3082\u306e\u3068\u899a\u609f\u3057\u3066\u304a\u304f<\/strong><\/h2>\n

\u81ea\u52d5\u8eca\u4fdd\u967a\u3084\u533b\u7642\u4fdd\u967a\u306a\u3069\u306f\u3001\u4e0d\u6e80\u304c\u3042\u3063\u305f\u308a\u3001\u3042\u308b\u3044\u306f\u3082\u3063\u3068\u3044\u3044\u4fdd\u967a\u304c\u898b\u3064\u304b\u3063\u305f\u308a\u3059\u308c\u3070\u3001\u6c17\u8efd\u306b\u4e57\u308a\u63db\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u751f\u547d\u4fdd\u967a\u306e\u5b9a\u671f\u4fdd\u967a\u306a\u3069\u3082\u3053\u306e\u985e\u3067\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u751f\u547d\u4fdd\u967a\u306e\u7d42\u8eab\u4fdd\u967a\u3084\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306a\u3069\u306f\u3001\u9014\u4e2d\u3067\u30ad\u30e3\u30f3\u30bb\u30eb\u3057\u305f\u308a\u4e57\u308a\u63db\u3048\u305f\u308a\u3059\u308b\u3053\u3068\u306f\u53ef\u80fd\u3067\u306f\u3042\u308a\u307e\u3059\u304c\u3001\u3059\u308b\u3068\u640d\u3092\u3059\u308b\u4fdd\u967a\u3067\u3059\u3002\u6255\u3044\u8fbc\u3093\u3060\u4fdd\u967a\u6599\u306f\u3001\uff08\u81ea\u52d5\u8eca\u4fdd\u967a\u3084\u533b\u7642\u4fdd\u967a\u306a\u3069\u306e\u3088\u3046\u306b\u3001\u305d\u306e\u5e74\u306e\u4e00\u5e74\u5206\u3060\u3051\u306e\u88dc\u511f\u8cbb\u7528\u3067\u306f\u306a\u304f\uff09\u3001\u5c06\u6765\u306b\u308f\u305f\u308b\u88dc\u511f\u3078\u306e\u6599\u91d1\u3067\u3042\u308a\u3001\u3044\u308f\u3070\u4fdd\u967a\u6599\u306e\u5148\u6255\u3044\u3067\u3059\u30025\u5e74\u6255\u3063\u3066\u3084\u3081\u308c\u3070\u3001\u5c06\u6765\u306e\u305f\u3081\u306b\u6255\u3063\u3066\u304d\u305f\u4fdd\u967a\u6599\u304c\u7121\u99c4\u306b\u306a\u308b\u3053\u3068\u3092\u610f\u5473\u3057\u307e\u3059\u3002\u7d42\u8eab\u4fdd\u967a\u306e\u5834\u5408\u306f\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30ea\u30e5\u30fc\u3060\u3051\u306f\u623b\u308a\u3001\u5c06\u6765\u306e\u4fdd\u967a\u88dc\u511f\u90e8\u5206\u306f\u7121\u99c4\u306b\u306a\u308b\u3068\u3044\u3046\u5177\u5408\u3067\u3059\u304c\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u5834\u5408\u306f\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30ea\u30e5\u30fc\u306f\u306a\u3044\u306e\u3067\u3001\u6255\u3044\u8fbc\u3093\u3060\u5206\u5168\u984d\u7121\u99c4\u306b\u306a\u308a\u307e\u3059\uff08\u3060\u305f\u3057Non forfeiture Option\uff08\u4e0b\u8a18\u53c2\u7167\uff09\u304c\u3042\u308c\u3070\u591a\u5c11\u307e\u3057\u3067\u3059\uff09\u3002\u3057\u304b\u3082\u4e57\u63db\u3048\u3067\u3001\u65b0\u3057\u3044\u4f1a\u793e\u3067\u5951\u7d04\u3092\u3057\u305f\u5834\u5408\u3001\u5e74\u9f62\u304c\u4e0a\u304c\u3063\u3066\u306e\u5951\u7d04\u306b\u306a\u308a\u3001\u4fdd\u967a\u6599\u3082\u5272\u9ad8\u304b\u3089\u306e\u518d\u30b9\u30bf\u30fc\u30c8\u306b\u306a\u308a\u307e\u3059\u3002\u591a\u304f\u306e\u5834\u5408\u3001\u4e57\u308a\u63db\u3048\u3092\u305b\u305a\u3001\u88dc\u511f\u3092\u4e0b\u3052\u308b\u306a\u3069\u306e\u4f55\u3089\u304b\u306e\u63aa\u7f6e\u3092\u65bd\u3057\u3066\u3001\u7d99\u7d9a\u3092\u3059\u308b\u307b\u3046\u304c\u7406\u306b\u9069\u3044\u307e\u3059\u3002<\/p>\n

\u4fdd\u967a\u6599\u304c\u6255\u3048\u306a\u304f\u306a\u3063\u305f\u5834\u5408\u306f\u3001\u30ad\u30e3\u30f3\u30bb\u30eb\u3057\u305f\u304f\u306a\u3063\u305f\u5834\u5408\u306b\u306f\u3001\u201cNonforfeiture option\u201d\uff08\u4fdd\u967a\u6599\u55aa\u5931\u56de\u907f\u30aa\u30d7\u30b7\u30e7\u30f3\uff09\u3068\u3044\u3046\u30aa\u30d7\u30b7\u30e7\u30f3\u304c\u3064\u3044\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u3059\u3067\u306b\u6255\u3044\u8fbc\u3093\u3060\u4fdd\u967a\u6599\u3092\u3082\u3068\u306b\u6e1b\u984d\u3055\u308c\u305f\u88dc\u511f\u3092\u53d7\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3053\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u304c\u3064\u304f\u3068\u3001\u4fdd\u967a\u6599\u306f\u5c11\u306a\u304f\u306610%\u3001\u591a\u3044\u3068100%\u4e0a\u304c\u308a\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u3053\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u304c\u3064\u3044\u3066\u3044\u308b\u5834\u5408\u3067\u3082\u3001\u3067\u304d\u308b\u9650\u308a\u4e2d\u9014\u3067\u6b62\u3081\u308b\u3068\u3044\u3046\u9078\u629e\u306f\u56de\u907f\u3059\u308b\u306e\u304c\u8ce2\u3044\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n

\u307e\u305f\u3001\u201dlevel premium\u201d\u306e\u3088\u3046\u306a\u8868\u8a18\u304c\u3042\u308a\u3001\u4fdd\u967a\u6599\u304c\u4e0a\u304c\u3089\u306a\u3044\u3068\u3044\u3046\u610f\u5473\u306b\u3068\u308c\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u73fe\u5728\u3001\u3059\u3079\u3066\u306e\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306b\u304a\u3044\u3066\u4fdd\u967a\u6599\u304c\u4e0a\u304c\u3089\u306a\u3044\u3068\u4fdd\u8a3c\u3057\u3066\u3044\u308b\u3082\u306e\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4fdd\u967a\u4f1a\u793e\u304c\u5c06\u6765\u306e\u4fdd\u967a\u6599\u306e\u4e0a\u6607\u306f\u306a\u3044\u3068\u4fdd\u8a3c\u3057\u3066\u3044\u308b\u3053\u3068\u306f\u3042\u308a\u5f97\u307e\u305b\u3093\u3002\u5dde\u306b\u3088\u3063\u3066\u306f\u3053\u306e\u3088\u3046\u306a\u7d1b\u3089\u308f\u3057\u3044\u8868\u8a18\u3092\u7981\u3058\u3066\u3044\u308b\u3068\u3053\u308d\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u305d\u3046\u3067\u306a\u3044\u5dde\u3082\u3042\u308a\u3001\u6d88\u8cbb\u8005\u3068\u3057\u3066\u306f\u8aa4\u89e3\u3057\u306a\u3044\u3088\u3046\u306b\u6ce8\u610f\u3057\u305f\u3044\u3068\u3053\u308d\u3067\u3059\u3002<\/p>\n

\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306b\u52a0\u5165\u3059\u308b\u3068\u304d\u306b\u306f\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306f\u305a\u3063\u3068\u6301\u3061\u7d9a\u3051\u308b\u3053\u3068\u3001\u305d\u306e\u4f1a\u793e\u3067\u9593\u9055\u3044\u306a\u3044\u3053\u3068\u3092\u78ba\u304b\u3081\u3066\u3001\u899a\u609f\u306e\u4e0a\u3067\u305d\u3046\u3059\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306f\u7d42\u8eab\u4fdd\u967a\u306a\u3069\u3068\u540c\u3058\u3067\u3001\u300c\u3068\u308a\u3042\u3048\u305a\u5165\u3063\u3066\u304a\u304f\u300d\u3068\u3044\u3046\u59ff\u52e2\u306f\u7d76\u5bfe\u907f\u3051\u308b\u3079\u304d\u4fdd\u967a\u3067\u3059\u3002<\/p>\n

2015\u5e74\u306eCenter for Retirement Research\u8abf\u3079\u306b\u3088\u308b\u3068\u300165\u6b73\u3067\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u3092\u8cfc\u5165\u3059\u308b\u4eba\u306e25\uff05\u4ee5\u4e0a\u306f\u3001\u4fdd\u967a\u3092Lapse\u3055\u305b\u308b\uff08\u4fdd\u967a\u6599\u3092\u6255\u3044\u7d9a\u3051\u306a\u304f\u306a\u308a\u3001\u81ea\u7136\u30ad\u30e3\u30f3\u30bb\u30eb\u3068\u306a\u308b\u3053\u3068\uff09\u3068\u3044\u3046\u30c7\u30fc\u30bf\u304c\u3067\u3066\u3044\u307e\u3059\u3002\u91d1\u92ad\u7684\u306a\u554f\u984c\u304b\u3001\u3042\u308b\u3044\u306f\u8a8d\u77e5\u4e0a\u306e\u554f\u984c\u306b\u3088\u308a\u3001\u652f\u6255\u3044\u3092\u3057\u306a\u304f\u306a\u308b\u305f\u3081\u3001\u4fdd\u967a\u304c\u89e3\u7d04\u3055\u308c\u3001\u672c\u5f53\u306b\u5fc5\u8981\u306b\u306a\u3063\u305f\u6642\u306b\u306f\u3001\u9577\u671f\u4ecb\u8b77\u306e\u88dc\u511f\u306f\u53d7\u3051\u3089\u308c\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u91d1\u92ad\u7684\u306b\u652f\u6255\u3044\u7d9a\u3051\u3089\u308c\u308b\u3053\u3068\u3068\u3001\u8a8d\u77e5\u306e\u554f\u984c\u304c\u51fa\u3066\u652f\u6255\u3044\u3092\u30b9\u30ad\u30c3\u30d7\u3057\u3066\u3057\u307e\u3046\u3053\u3068\u306b\u306a\u3044\u3088\u3046\u306b\u3001\u3042\u3089\u304b\u3058\u3081\u5bb6\u65cf\u3084\u89aa\u305b\u304d\u306b\u60c5\u5831\u306e\u5f15\u7d99\u304e\u3092\u3059\u308b\u3053\u3068\u3082\u5927\u5909\u91cd\u8981\u3067\u3059\u3002\u30a8\u30b9\u30c6\u30a4\u30c8\u30d7\u30e9\u30cb\u30f3\u30b0\u306e\u4e00\u90e8\u3068\u3057\u3066\u3001Power of Attorney\u306a\u3069\u3082\u6e96\u5099\u3057\u3066\u304a\u304f\u3053\u3068\u3082\u809d\u8981\u3067\u3059\u3002<\/p>\n

\u00a0<\/strong><\/p>\n

\u4fdd\u967a\u6599\u306e\u6255\u3044\u65b9<\/strong><\/h2>\n

\u591a\u304f\u306e\u5834\u5408\u306f\u3001\u6708\u3005\u30013\u304b\u6708\u306b\u4e00\u5ea6\u3001\u5e74\u3005\u306a\u3069\u5b9a\u671f\u7684\u306b\u4fdd\u967a\u6599\u3092\u652f\u6255\u3046\u5f62\u3067\u3059\u304c\u3001\u4fdd\u967a\u4f1a\u793e\u306b\u3088\u3063\u3066\u306f\u3001Limited payment option\u3068\u3044\u3063\u3066\u3001\u4e00\u62ec\u6255\u3044\u3001\u6570\u56de\u6255\u3044\u3001\u3042\u308b\u3044\u306f65\u6b73\u307e\u3067\u6255\u3063\u3066\u6255\u8fbc\u6e08\u3068\u3059\u308b\u306a\u3069\u306e\u30d0\u30fc\u30b8\u30e7\u30f3\u3042\u308a\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u4fdd\u967a\u6599\u306e\u7a0e\u63a7\u9664\u306b\u3064\u3044\u3066<\/h2>\n

\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u3067\u4e00\u5b9a\u306e\u57fa\u6e96\u3092\u6e80\u305f\u3057\u305f\u3082\u306e\u306f\u201cTax-Qualified\u201d\u3068\u9298\u6253\u305f\u308c\u3066\u3044\u308b\u3082\u306e\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u4fdd\u967a\u306e\u4fdd\u967a\u6599\u306f\u3001\u30bf\u30c3\u30af\u30b9\u30ea\u30bf\u30fc\u30f3\u3067\u7a0e\u63a7\u9664\u3092\u53d7\u3051\u3089\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u201dTax-Qualified\u201d\u306e\u4fdd\u967a\u3078\u652f\u6255\u3063\u305f\u4fdd\u967a\u6599\u306f\u3001\u533b\u7642\u8cbb\u3068\u3057\u3066\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u3001Itemized Deduction\u3092\u9078\u3093\u3060\u5834\u5408\u3001\u533b\u7642\u8cbb\u3068\u3057\u3066\u7a0e\u63a7\u9664\u3067\u304d\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u533b\u7642\u8cbb\u306e\u63a7\u9664\u306f\u3001AGI\u306e7.5\uff05(2018)\/10\uff05\uff082019)\u3092\u8d85\u3048\u305f\u90e8\u5206\u306e\u307f\u304c\u7a0e\u63a7\u9664\u306e\u5bfe\u8c61\u3068\u306a\u308b\u305f\u3081\u3001\u6240\u5f97\u306e\u5272\u306b\u533b\u7642\u8cbb\u304c\u9ad8\u984d\u306a\u4eba\u306b\u5229\u7528\u306f\u9650\u3089\u308c\u308b\u3067\u3057\u3087\u3046\u3002\u307e\u305f\u3001\u30c8\u30e9\u30f3\u30d7\u7a0e\u5236\u6539\u9769\u3067\u306f\u3001Standard Deduction\u306e\u984d\u304c\u5927\u304d\u304f\u5897\u3048\u305f\u305f\u3081\u3001\u305d\u3082\u305d\u3082Itemize\u3000Deduction\u3092\u9078\u3076\u4eba\u304c\u5c11\u306a\u3044\u305f\u3081\u3001\u5229\u7528\u306f\u304b\u306a\u308a\u9650\u5b9a\u7684\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

\u30b5\u30a4\u30f3\u306e\u524d\u306b\u306f\u3088\uff5e\u304f\u5951\u7d04\u66f8\u3092\u8aad\u3080<\/h2>\n

\u6700\u5f8c\u306b\u3001\u5951\u7d04\u66f8\u306b\u30b5\u30a4\u30f3\u3059\u308b\u524d\u306b\u3001\u4fdd\u967a\u5951\u7d04\u306e\u5185\u5bb9\u3092\u3088\u304f\u3088\u304f\u8aad\u3093\u3067\u6700\u7d42\u78ba\u8a8d\u3059\u308b\u3053\u3068\u3067\u3059\u3002\u5206\u304b\u3089\u306a\u3044\u3053\u3068\u304c\u3042\u3063\u305f\u3089\u3001\u62c5\u5f53\u8005\u306b\u3057\u3064\u3053\u304f\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002\u307e\u305f\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3084\u5f01\u8b77\u58eb\u306e\u30d8\u30eb\u30d7\u3092\u5f97\u3066\u3001\u4e00\u7dd2\u306b\u5951\u7d04\u66f8\u3092\u8aad\u3093\u3067\u3082\u3089\u3046\u306e\u3082\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u540c\u3058\u3053\u3068\u306e\u7e70\u308a\u8fd4\u3057\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u81ea\u52d5\u8eca\u4fdd\u967a\u3084\u5065\u5eb7\u4fdd\u967a\u3068\u306f\u9055\u3063\u3066\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306f\u300c\u3068\u308a\u3042\u3048\u305a\u5951\u7d04\u3057\u3066\u304a\u3044\u3066\u3001\u3044\u3084\u306a\u3089\u5f8c\u304b\u3089\u5909\u66f4\u3059\u308c\u3070\u3044\u3044\u300d\u3068\u3044\u3046\u985e\u306e\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u30b5\u30a4\u30f3\u306f\u614e\u91cd\u306b\u884c\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u30b5\u30a4\u30f3\u3057\u3066\u3057\u307e\u3063\u3066\u304b\u3089\u3067\u308230\u65e5\u4ee5\u5185\u306a\u3089\u30d5\u30eb\u30ea\u30d5\u30a1\u30f3\u30c9\u3067\u30ad\u30e3\u30f3\u30bb\u30eb\u3067\u304d\u308b\u6a29\u5229\u304c\u307b\u3068\u3093\u3069\u306e\u5dde\u3067\u898f\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u6c17\u304c\u5909\u308f\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u306a\u308930\u65e5\u4ee5\u5185\u3067\u3059\u3002\u305d\u308c\u4ee5\u964d\u306e\u30ad\u30e3\u30f3\u30bb\u30eb\u306f\u3001\u9ad8\u304f\u3064\u304f\u30df\u30b9\u30c6\u30a4\u30af\u306b\u306a\u308a\u304c\u3061\u3067\u3059\u3002<\/p>\n

 <\/p>\n

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