{"title":"Impact of Long-Term Care on Retirement Wellness.","authors":"Anna M Rappaport","doi":"","DOIUrl":null,"url":null,"abstract":"<p><p>Retirement wellness is the result of retiring at an appropriate age, saving enough and managing risks appropriately. One of the major risks that often is not addressed effectively is the long-term care (LTC) risk, i.e., the risk of needing help due to physical or cognitive limitations. In 2014, the Society of Actuaries issued a call for papers on the link between LTC and retirement security. This article will discuss the topic of LTC and retirement security broadly, drawing from several of the papers. Some of the topics include the impact of LTC on the individual, family members and caregivers; modeling results showing the impact of LTC on assets needed for a secure retirement; alternative methods of financing LTC; the link between housing decisions and LTC; and some ideas for the future.</p>","PeriodicalId":79563,"journal":{"name":"Benefits quarterly","volume":null,"pages":null},"PeriodicalIF":0.0000,"publicationDate":"2015-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Benefits quarterly","FirstCategoryId":"1085","ListUrlMain":"","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
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Abstract
Retirement wellness is the result of retiring at an appropriate age, saving enough and managing risks appropriately. One of the major risks that often is not addressed effectively is the long-term care (LTC) risk, i.e., the risk of needing help due to physical or cognitive limitations. In 2014, the Society of Actuaries issued a call for papers on the link between LTC and retirement security. This article will discuss the topic of LTC and retirement security broadly, drawing from several of the papers. Some of the topics include the impact of LTC on the individual, family members and caregivers; modeling results showing the impact of LTC on assets needed for a secure retirement; alternative methods of financing LTC; the link between housing decisions and LTC; and some ideas for the future.
退休健康是在适当的年龄退休，足够的储蓄和适当管理风险的结果。长期护理(LTC)风险是经常没有得到有效解决的主要风险之一，即由于身体或认知限制而需要帮助的风险。2014年，精算师协会(Society of Actuaries)发布了一份关于LTC与退休保障之间联系的论文征集。本文将从几篇论文中广泛讨论LTC和退休保障的主题。其中一些主题包括LTC对个人、家庭成员和照顾者的影响;建模结果显示LTC对安全退休所需资产的影响;LTC融资的替代方法;住房决策与长期居住成本之间的联系;以及对未来的一些想法。
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