Որքան է Ձեր Առողջապահություն արժեքը եւ զորացրման?

Healthcare-costs-in-retirement1We 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. իսկ, it is likely that you will need a sizable amount funds to pay for your lifestyle.

Ցավոք,, healthcare is a spending category that rises consistently in retirement as we get older. Որ միջին գրպանի առողջապահության ծախսերի համար տնային միջեւ տարեկան 65 իսկ 74 գրեթե $4,400 մեկ տարի, որը մոտ 11% է տնային տնտեսությունների ընդհանուր ծախսերի. Ըստ նոր ուսումնասիրության է աշխատակիցների հատուցումների հետազոտությունների ինստիտուտում, առողջապահական ծախսերն աճել են 19% կենցաղային եկամտի $6,6013 կենցաղային առնվազն 85 տարեկան.

Այս ծախսերի կազմը բաղկացած է կրկնվող եւ չկրկնվող առողջապահական ծախսերի. Համար Medicare- ի նման իրավասություն ունեցող հատվածի բնակչության, միջին կրկնվող ծախսերը բժշկական ծառայություններ, ինչպես, օրինակ, բժիշկներ այցելությունների, prescription drugs and medical supplies, total $1,855 մեկ տարի.

On average retirees can assume that 2% inflation with 3% returns. If a person’s life expectancy were 90 տարեկան, 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 տարեկան.

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 իսկ $131,000 in savings respectively. սակայն, 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. գրեթե 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.


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