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. Und, it is likely that you will need a sizable amount funds to pay for your lifestyle.
Unglücklicherweise, Healthcare ist eine Ausgabenkategorie, die konsequent in den Ruhestand steigt wie wir älter werden. Die durchschnittliche aus eigener Tasche Gesundheitskosten für einen Haushalt im Alter zwischen 65 und 74 ist fast $4,400 ein Jahr, die etwa 11% der gesamten Haushaltsausgabe. Laut einer neuen Studie des Employee Benefit Research Institute, Gesundheitsausgaben sind gewachsen durch 19% von Haushaltseinkommen $6,6013 für den Haushalt mit mindestens 85 Jahre alt.
Diese Kostenaufstellung besteht aus wiederkehrenden und nicht wiederkehrend Kosten im Gesundheitswesen. Für den Medicare-förderfähigen Teil der Bevölkerung, the average recurring expenses medical services, such as doctors visits, prescription drugs and medical supplies, total $1,855 ein Jahr.
On average retirees can assume that 2% inflation with 3% returns. If a person’s life expectancy were 90 Jahre alt, they would require $41,000 a year age 65 to fund his or her recurring expenses. This is not calculating for insurance premiums and over-the-counter medications. There are also non-recurring expenses, such as overnight hospital stays, and nursing home stays can be significant cost, which average $24,185 for people at least 85 Jahre alt.
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 und $131,000 in savings respectively. aber, 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. Fast 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.