Global Estate & Tax Consultant
                     First  Hawaiian  Capital

                     鴻利國際財經顧問公司

     Johnson W. K. Choi, MBA, RFC. 蔡永強 商科碩士

       Tax & Business Consultant 注冊財經顧問

Long Term Care 什麼是長期療養 ?

Who Will Pay 怎樣支付療養費用 ?


[IMAGE]



What is Long Term Care ?
什麼是長期療養 ?

The assistance someone needs when they cannot take care of
their own basic personal need.
長期療養是幫助某人的需要當他們不能照顧自己的日常基本需要.

What about Medicare & Others ?
老人退休福利或其他政府福利會支付長期療養嗎 ?

Medicaid
救濟金

Required depletion (spend down); typically $2,000 assets*(plus home)
$30/m income
要把財產用盡

Medicare
老人退休金

Pay only in small percentage of cases; designed for acute care
大部分情況下不會支付

Medigap
老人退休的自付私人保險

Supplements pick up for Medicare on acute care; does not cover
Long Term Care
不付長期療養

Most Health Insurance plans do not pay for Long Term Care !
大部分醫療保險不會支付長期療養費用 !

Who pay for Long Term Care ?
誰支付長期療養費用 ?

Medicaid 救濟金.....45%
Medicare 老人退休金.....5%
Self & Family 自我或家人.....46%
Other 其他.....4%

Emergence of the Disability Model
長期療養理想的模範

Medical Model

Reimburse for specific services
付錢以指定服務範圍為準

Care must be provided in a licensed facility
必需在有執照的療養院照顧才付錢

Qualifying for benefits varies by user
福利不畫一

Risk attached to reimbursement for medical services
付錢是按照醫療服務為準

Complex benefit payment process
復雜性的付錢方法

Disability Model

Indemnity-based-pays fixed benefit amount
付錢是確定的

Allows payment for nursing home or at-home care
允許在療養院或在家療養也付錢

Activities of Daily Living (ADL) benefit trigger-based on loss of set ADLs
-Predictable Insurance risk
指定行動受阻便付錢

Risk attached to disability incidence
-more stable
付錢是按照行動受阻為準

Simple benefit payment process
簡單的付錢方法

How is Eligibility for Benefits Determined ?
怎樣有資格拿得福利 ?

Loss of ability to perform 2 or more ADLs without stand-by assistance
OR Cognitive impairment
損失能力操縱至少兩樣日常照顧自己工能,需要他人幫助或缺乏認識能力

1. Activities of Daily Living(ADLs)

Bathing
Dressing
Toileting
Transferring
Continence
Eating/Feeding
OR (AND not acceptable)

2. Cognitive impairment

1.每天行動受阻礙
洗澡
穿衣服
自己使用廁所
運作
缺乏管制大小便能力
吃/飼
或 (和是不能接受的

2. 缺乏認識能力

Should I give (gift) away everything to receive Medicaid (welfare) ?
我是否應該把財產送給他人,向政府申請救濟福利 ?

Do you want to live with strangers in a crowded room during your final years ?
你是否想要在晚年時過非人生活 ?

Do you know the NEW 5 years look back rule on gifting - you can go
to jail for breaking the law !
你是否知道新的救濟福利法令, 犯法者要監禁 !

How do I protect myself, my assets and to live comfortably during my final years?
怎麼樣保護我,我的財產和舒服地安享晚年?

Give us a call and we will show you how. There is always no obligations on your part.
請打電話給我, 讓我們提供你經濟和可行的辦法.

Johnson W. K. Choi 蔡永強敬啟

Return to the Front Page
Profile of a Man of Distinction - Downtown Planet Newspaper(English)
Profile of a Man of Distinction - Hawaii State House of Representatives, USA., Year 2000(English)
1999 Alumni Hall of Honor, University of Hawaii at Manoa
Federation of Hong Kong Oversea Associations Limited
World Journal Newspaper-HKBAH/Hawaii DBEDT Business Mission to Hong Kong/China Dec 2000 (Chinese)
ProjectOnNet.com 普 安 利 建 築 軟 件 和 互 聯 網
Share Our Happy Moment (English)
Johnson's Resume and Qualification
Carson Bookkeeping & Tax Services
Carson Bookkeeping & Tax Services (Chinese 中文)
Commercial and Residential Mortgage Loan (English/Chinese 中文)
Immigration Visa to the USA (English/Chinese 中文)
Life insurance (English/Chinese 中文)
Long Term Care & Who Will Pay ? (English/Chinese 中文)
Estate Tax and Asset Protection Seminar (English/Chinese 中文)
Bank Certificate of Deposit Rate (English/Chinese 中文)
Hawaii Product Wholesale Locally, Mainland USA & Far East (English/Chinese 中文)
Cheers Karaoke Bar & Grill - Good Fun & Good Food
Rosaryhill School (Hong Kong) Alumni Association - North America
ShopAnywhereAnytime.com - Enter the World of Shopping at Your Leisure
Alumni Association, University of Hawaii, School of Travel Industry Management
Hong Kong Trade Development Council - Main Page
HK Business Association Hawaii
Download TwinBridge Chinese Program


Johnson W. K. Choi. MBA, RFC.
johnsonchoi@johnsonchoi.com

Copyright © 1996, 1997, 1998, 1999, 2000, 2001 Johnson W. K. Choi. MBA, RFC.
This Home Page was created by
WebEdit
Most recent revision Wednesday, January 3, 2001

Lycos catalog
Point reviews
HK Business Association Hawaii
a2z directory