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wendysakura · 2019年11月07日

问一道题:NO.PZ2018091705000077

问题如下:

Marion’s mother, Cornell, is in good health at age 76, and women in her family have generally lived to very old ages. Cornell has a pension but does not have much in assets. Therefore, Marion is concerned that potential need for home care might exceed Cornel’s pension during her final years. Which of following type of insurance is most likely to address Molly’s concern?

选项:

A.

disability insurance.

B.

longevity insurance.

C.

long-term care insurance.

解释:

C is correct.

考点Health/Medical Insurance

解析 长期护理保险为家庭护理辅助生活设施和/或疗养院费用而设计的比较适合Marion的母亲尤其是因为她家里有长寿的基因而养老金有不足虽然这个保险在Marion的母亲这个年龄会比较贵但这将会缓解家庭护理的潜在需求为了避免提供家庭护理的财务和心理压力长期护理保险是最合适的保险选择

请问这道题在最新的2020年的讲义里面的第几页有讲到呢?好像没有呢。谢谢

1 个答案

包包_品职助教 · 2019年11月08日

同学你好,这个点讲义上没有。原版书上也只是在例题中涉及到了这个保险: Long-Term Care Insurance.Elderly individuals in Jacques and Marion’s country areeligible for long-term care at a cost equal to 75% of their pension benefits
对于这个保险我们主要是了解下对于一些活的比较久身体又有健康问题的人,对这个保险的需求就会比较大
另外原版书上也提到说long-term care 对很多活的比较久身体又有健康问题的人来说也是一笔比较大的经济负担
我觉的我们掌握这些就可以了

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