We all want to be healthy as we enter our retirement years. But how do ensure we are healthy, and a what cost? Planning for retirement, itself can seem difficult, even more difficult would be planning for your health in retirement. You may live a healthy life now, but how do you know what the state of your health will be in the future. Whether your planning to travel the world, road trip around the country in an R.V spend time with your family or give back to your community, all of these require that you are in good health in your later years. And, it is likely that you will need a sizable amount funds to pay for your lifestyle.
desværre, healthcare is a spending category that rises consistently in retirement as we get older. Den gennemsnitlige ud af lommen sundhedspleje omkostninger for en husstand i alderen 65 og 74 er næsten $4,400 et år, som handler om 11% af de samlede udgifter husstanden. Ifølge en ny undersøgelse fra Medarbejder Benefit Research Institute, sundhedsudgifter er vokset med 19% af husstandsindkomsten til $6,6013 til husholdningsbrug med mindst 85 år gammel.
Denne omkostning opdeling består af tilbagevendende og ikke-tilbagevendende sundhedspleje omkostninger. For Medicare-støtteberettigede del af befolkningen, de gennemsnitlige engangsomkostninger medicinske ydelser, såsom læger besøg, receptpligtig medicin og medicinsk udstyr, Total $1,855 et år.
I gennemsnit pensionister kan antage, at 2% inflationen med 3% vender tilbage. Hvis en persons levealder var 90 år gammel, de ville kræve $41,000 et år alder 65 til at finansiere hans eller hendes engangsomkostninger. Dette er ikke beregne til forsikringspræmier og over-the-counter medicin. Der er også engangsomkostninger, såsom anfordring hospitalsophold, og plejehjem ophold kan være betydelige omkostninger, som gennemsnit $24,185 for folk i det mindste 85 år gammel.
It’s important for individuals to plan accordingly based on their cost estimates. The EBRI study found that if men and women wanted to have a 90% chance of paying for own expenses then men and women would need to have $116,000 og $131,000 in savings respectively. Imidlertid, for the vast majority of retirees, saving up for retirement basics is difficult let alone save up an addition money to cover medical cost. According to an AARP, 55% of Americans over the age of 60 believe that will not have saved enough money for healthcare when they reach the age of retirement. 38% of people over 55% have not saved anything and 70% wish they started saving before they were age 35%. While only 28% of people over 50 started saving when before they were 35. Even worst, 44% did not have any plans to start saving the future.
Medicare will only cover about half of the medical cost, and is most commonly to be the means in which people expect to pay for medical care in retirement. Næsten 57% of people expected to work past the age of 65 to pay for the financial shortfalls in order to supplement their income.
There are ways to cut medical cost during retirement.