얼마 윌 은퇴에 대한 여러분의 건강 관리 비용?

Healthcare-costs-in-retirement1우리 모두는 우리가 우리의 은퇴 년이 입력으로 건강 할. 하지만 어떻게 우리가 건강 보장합니까, 그리고 무엇 비용? 은퇴 계획, 자체가 어려워 보일 수있다, 은퇴에있는 당신의 건강을 위해 더욱 어렵게을 계획 할 것. 이제 건강한 삶을 살 수있다, 하지만 당신은 어떻게 당신의 건강 상태가 미래에있을 것입니다 무엇을 알 수 있습니까. 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. 과, it is likely that you will need a sizable amount funds to pay for your lifestyle.

운수 나쁘게, healthcare is a spending category that rises consistently in retirement as we get older. The average out of pocket health care cost for a household between the ages of 65 and 74 is nearly $4,400 년, which is about 11% of the total household spending. According to a new study from the Employee Benefit Research Institute, health care expenses have grown by 19% of household income to $6,6013 for household with at least 85 살이에요.

This cost breakdown comprises of recurring and non-recurring healthcare cost. For the Medicare-eligible segment of the population, the average recurring expenses medical services, such as doctors visits, prescription drugs and medical supplies, total $1,855 년.

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

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 and $131,000 in savings respectively. However, 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. 거의 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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