医疗护理保险覆盖范围 - Medicare不承保无法完成基本生活任务的常规护理（称为监护护理）但承保专业护理最多100天 仅限于刚离开医院等有限情况[3] - Medicare Advantage计划由私人保险公司管理 必须涵盖Medicare的所有承保范围[3] - 专业护理设施年度中位成本为111,325美元 基于2024年半私人房间费用调查[5] 医疗补助资格与支付要求 - Medicaid支付护理费用但要求资格申请人可计数财产或资源不超过2,000美元[7] - 获得Medicaid后必须将社保支票转交护理机构 仅扣除小额个人需求津贴和其他保险保费[7] - 护理机构可要求未申请Medicare或Medicaid的患者在"合理适当通知"后离开[6] 上诉与资产保护措施 - 可对专业护理拒赔提出上诉 需医生或护理提供者支持认为需要专业护理[2] - 可与老年法律律师协商上诉Medicare拒赔或研究资产保护方案[11] - 若福利支票足够支付费用 可对其他债务和抵押贷款申请宽容期 适用于临时情况[11] 长期护理保险解决方案 - 长期护理保险承保家庭援助 护理机构或辅助生活设施成本[9] - GoldenCare提供混合人寿年金 短期护理 扩展护理 家庭健康护理等多种方案[10] - 购买长期护理保险可避免护理费用耗尽退休基金或给家庭成员带来财务压力[10] 替代性投资工具 - Arrived私人信贷基金通过房地产项目贷款产生月收入 最低投资100美元 历史年化股息8.1%[15][16] - 黄金IRA可通过Goldco投资黄金等贵金属 享受IRA税收优惠 最低购买10,000美元含免费白银匹配[17][18] - Acorns应用通过消费凑整自动投资 帮助构建退休储备金[13][14]

Key Points 13 years ago, the SSA introduced a site where you could find all your Social Security information in one place. This site makes it easy to see how much more you'll need to save or invest to meet your post-retirement needs. It's such a help that you may find yourself regularly checking the site, simply to ensure you're still on track. The $23,760 Social Security bonus most retirees completely overlook › Not to brag, but I've always suspected that my love of financial planning may be unri ...

Preparing for retirement is no small task. There are many moving pieces in a full financial plan designed to provide sustained and comfortable income. It’s difficult to figure out everything and set it up flawlessly — especially when you might be adding new financial products, like annuities, to your retirement strategy. Read More: Here’s Why You Might Want To Invest Your Retirement Savings in a Roth 401(k) Learn About: 3 Advanced Investing Moves Experts Use to Minimize Taxes and Help Boost Returns You mig ...

F&g Annuities & Life (FG 2.69%), a major provider of annuities and life insurance serving both retail and institutional clients, reported its financial results for the second quarter of fiscal 2025 on August 6, 2025. The headline news: adjusted earnings per share came in at $0.77, topping analyst expectations of $0.62 (Non- GAAP). Despite outperforming forecasts, the company posted steep year-over-year declines in both adjusted and net profits, as well as lower sales outside its record retail channel. The q ...