退休, 这个问题俺还真考虑过....

haha, the best way, of course, is be poor and let uncle sam take care of you, and believe me, I have tenants been disable and living on SS disability income for 20+ years, and they look perfectly fine..

but for rest of us, its not that lucky. I did lots of research when my parents retire...

1. health insurance, premium for my parents, from age 62 to 65, went from $900 per person to $1400 per person each month.

2. life insurance, my parents had a term life expire on age of 70, I just let it expire..

3. longterm care insurance, I am a big fan so far. Medicare pays only first 30 days of nursing home, after that, its your problem. it is an annuity product, and my state is the only few state offer asset protections, meaning if the policy exhausted, state Medicaid will kick in and all your assets are protected. premium is relatively inexpensive, only $140 per person per month if you start at age 65.

4. living trust, if you have a sizable asset, should set one up to avoid probation..

5. if you intend to let uncle SAM take care of you, family limited partnership, can transfer your assets to your kids easier. once you hide your assets, you can be poor, Medicare can back track your assets up to 3? years(I think).

所有跟帖： 

• 这些信息很有用，谢谢！ -钱管用- ♂ (0 bytes) () 05/05/2011 postreply 08:50:02

• 你说的那个long term care 是哪一家的，我问到的都比这个贵 -indianny- ♀ (23 bytes) () 05/05/2011 postreply 08:52:36

• first colony, by GE -jy101- ♂ (0 bytes) () 05/05/2011 postreply 08:54:42

• 回复：退休, 这个问题俺还真考虑过.... -blocked- ♂ (67 bytes) () 05/05/2011 postreply 08:52:43

• 是啊, 3year. 有的美国人就这样的, 你动不了, 你的财产也就能管你3, 5 年就花完了, 以后就是 -ca2004- ♀ (48 bytes) () 05/05/2011 postreply 09:01:19

• 问一下：life insurance是到70岁后就不管用了吗？ -迷茫- ♀ (0 bytes) () 05/05/2011 postreply 09:02:47

• whole life policy is not a bad idea if you still young... -jy101- ♂ (8271 bytes) () 05/05/2011 postreply 09:35:54

• 把财产转给小孩要上税吧? 除非 -喜狼狼- ♂ (99 bytes) () 05/05/2011 postreply 09:16:42

• 额外的好处是所有保险都可以从公司出. -喜狼狼- ♂ (0 bytes) () 05/05/2011 postreply 09:17:37

• you gift shares away each year.... -jy101- ♂ (9481 bytes) () 05/05/2011 postreply 09:30:29

• $1400 a month per person? Depressed. -enjoyer- ♀ (65 bytes) () 05/05/2011 postreply 09:21:58

• Good post. W2的好处就来了， -SunshineInCA- ♀ (53 bytes) () 05/05/2011 postreply 09:29:07

• 很多公司? That's not true. :) -enjoyer- ♀ (0 bytes) () 05/05/2011 postreply 09:30:39

• 我和LG工作的公司都有这个政策，所以我以为。。。 -SunshineInCA- ♀ (31 bytes) () 05/05/2011 postreply 09:34:54

• Lucky you! 政府工is true but hard to get. -enjoyer- ♀ (0 bytes) () 05/05/2011 postreply 09:36:05

• Do you still need to pay premium or nothing at all? -enjoyer- ♀ (0 bytes) () 05/05/2011 postreply 09:36:58

• I think so. Need pay premium, much cheaper than $1400/person. -SunshineInCA- ♀ (0 bytes) () 05/05/2011 postreply 09:48:49

• Thanks. -enjoyer- ♀ (0 bytes) () 05/05/2011 postreply 09:53:03

• COBRA is expensive.... -jy101- ♂ (0 bytes) () 05/05/2011 postreply 09:36:53

• She is talking about company sponsored retirement health insuran -enjoyer- ♀ (0 bytes) () 05/05/2011 postreply 09:38:11

• is this their website? -gchai- ♀ (174 bytes) () 05/05/2011 postreply 09:58:31

• back track 5 years -DCFarmer- ♂ (179 bytes) () 05/05/2011 postreply 11:10:39

• 每次花钱是否要跑当铺？ -SunshineInCA- ♀ (0 bytes) () 05/05/2011 postreply 12:05:11

• 这些数据，跟欧洲相比，美国这里对退休年龄的人的来说不是一般的差啊！ -小糊涂仙儿- ♀ (0 bytes) () 05/05/2011 postreply 13:53:25

• benefit defined pension -happyfolk- ♂ (519 bytes) () 05/05/2011 postreply 14:53:29

• 谢分享！ -美西游子- ♀ (107 bytes) () 05/05/2011 postreply 16:03:42