Inshuwaransi Yaumoyo Waamuna: Ndalama Zake Zanthawi yayitali Zaumoyo Zikukwera. Bwanji tsopano? | | Bizinesi

Thomas Skerrit, John Alan Cash, Kyle Iverson

Ine ndi mkazi wanga tinali ndi nkhawa powerenga nkhani yokhudza banja lina ku California mopanda chipiriro kudikirira pafupifupi zaka ziwiri kuti tipeze bedi m’nyumba yosungirako okalamba kaamba ka amayi awo oyenerera ku Medi-Cal. Mwa njira, mayiyo ali ndi zaka 63 zokha ndipo ali ndi matenda a dementia.

Zinandipangitsa kuti ndiyang’ane ndondomeko yanga ya inshuwalansi ya nthawi yaitali yomwe ndinadzitengera zaka 10 zapitazo ndili ndi zaka 63!

Ndakhala ndikukankhira mu ndondomekoyi nthawi yonseyi ndipo sindinagwiritsepo ntchito. Kampaniyo inangonditumizira zambiri zokhudza zomwe ndingathe kuchita chifukwa, ndithudi, kuwonjezeka kwa mtengo kukubwera posachedwa.

Ndakutumizirani zikalata zanga zonse, mungapangire malingaliro?

Anthu amawerenganso…

Kyle: Johnny, choyamba tinayang’ana ndondomeko yanu. Malingaliro athu, ndondomeko yomwe ndinalembera zaka 10 zapitazo inali yochuluka kwambiri.

Mwasankha chiwongola dzanja cha 5% kuti chikutetezeni ku kukwera kwa mitengo; $ 6000 pamwezi kwa zaka zitatu; ndi 100% chisamaliro chapakhomo ndi ndalama zokwana $216,000. Pa izi ndi zina, ndalama zanu zapachaka zinali $4,500.

Alan: Chifukwa cha chiwongola dzanja cha 5%, zopindula zanu zapamwezi zakwera kufika pa $9,300, ndipo chiwongola dzanja chanu chikupitilira $335,000.

Chifukwa chake, kampani yanu ya inshuwaransi ikufuna kuti muzilipira $5,600 pachaka. Chifukwa chake, ngati simuchita chilichonse ndiye mtengo watsopano (mpaka chiwonjezeko chotsatira).

Koma … bwanji ngati tsopano muli ndi zaka 63 ndikufunsira dongosolo lomwe lili ndi phindu lofanana ndi lanu loyambirira?

Ndinapanga ndemanga ndi makampani ena awiri omwe ali ndi 5% pawiri, $ 6000 pamwezi phindu, ndi zina zotero. Mtengo wapachaka uli pamwamba pa $ 6,200, ndipo dziwe loyambirira la ndalama – pafupifupi $ 216,000 – ndilofanana.

Tom: Inshuwaransi ya Johnny inam’patsa njira zinayi zoti asunge zomwe anali nazo ndi kulipira zina.

Mkazi wa mwamunayu ali pafupi kukwanitsa zaka 65. Kodi muyenera kulowa naye pa pulani ya Blue Shield yomweyi?

Zocheperako, kwa ine, ndi phindu lochepa losasankha lomwe limamuuza kuti sipakhalanso zolipiritsa ndipo phindu lonse la chisamaliro chanthawi yayitali (LTC) lomwe apeza ndi pafupifupi $43,000 yomwe adalipira pazaka 10 zapitazi.

Njira ina A imasunga kukhwima kwa zaka zitatu ndi chitetezo cha 5% cha inflation koma imachepetsa ndalama zonse kufika $305,000 ndi phindu la mwezi ndi $8,500. Pali kuchepa pang’ono kwa premium.

Chosiyana B chimasunganso kukhwima kwa zaka zitatu koma chimasintha 5% kukhala 5% chidwi chosavuta. Ndalama zonse pamwezi ndi zopindulitsa ndizofanana ndi Njira A ina, koma ndalama zonse zimatsika pafupifupi $5,000 pachaka.

Chosiyana C chimakhala ndi 5% yamitundu A, koma imasintha ena modabwitsa.

Nthawi yogulitsira imakhala zaka ziwiri zokha, phindu la mwezi uliwonse limatsika mpaka $ 6,400 pamwezi, ndalama zonse zimachepetsedwa kukhala $ 152,500 zokha, ndipo ndalama zapachaka ndi $ 3,100 zokha.

Kyle: Johnny, ngati simungathe kukwanitsa mapulani anu apano, Njira ina B ikuwoneka kuti ndi yabwino kwambiri mwa njira zomwe sizili bwino.

Chizindikiro chodziwika bwino cha kutaya madzi m’thupi ndi ludzu, koma ngati mukumva ludzu, zikutanthauza kuti mwataya madzi pang’ono. Nazi zizindikiro zina zinayi za kuchepa kwa madzi m’thupi zomwe muyenera kuziwona.



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