How much is the average of nursing care expenses?How are you preparing?
According to the Life Insurance Cultural Center "2021 (Towa 3) National Survey on Life Insurance (Bulletin)", the average nursing care period is 61..1 month (last 54).5 months), the cost of nursing care is the average temporary cost of 740,000 yen (last 690,000 yen), average monthly cost.30,000 yen (last 7).80,000 yen).100 years of life.The longer you live, the longer you need nursing care.Care is not for each person.Check the data and how much you need to prepare for the nursing care, and start preparing early.
According to the survey, in the past three years, after asking the experience of nursing care for families and relatives who became older (such as bedridden or dementia), the period after the start of nursing care (during nursing care.Looking at the period), average 61.It is one month (5 years and 1 month).Among the costs required for nursing care (including the self -paying cost of public care insurance services), the total amount of temporary costs (temporary costs such as housing remodeling or purchasing nursing care beds) is an average of 740,000 yen.I am.Looking at the monthly costs (paid monthly / paid), average per month is 8.It is 30,000 yen.A simple calculation based on these data is about 5.8 million yen for the average amount of nursing care expenses (including initial costs).This amount is the amount that includes home care and facility care.The cost of nursing care is very different between home care and facility nursing care, so it would be nice if it could be calculated by the place to care, but data for each location was not published at the time of writing, so this time we will be informed.you can't.
The nursing care insurance card (long -term care insurance card) is sent when you are 65, but unlike medical insurance, it is not available just by having it.In order to use the nursing care services, you must be certified by the municipality.It takes about one month from the application to the certification notification, so if you need a nursing care, please apply as soon as possible.If you are certified for long -term care, you can use the service provider and use the long -term care insurance service, and you can use it for 10 to 30 % of the service cost according to your income.The method of preparing these expenses is generally covered with public care insurance and savings.According to the Life Insurance Cultural Center "Survey on Living Guarantee" (published in December of the first year of the first year), "If you are in a need for nursing care, you will be able to cover the cost of nursing care.Do you want to do so? "Public long -term care insurance 73.6 %, deposits and savings 63.5 %, public pension 60.9 %, life insurance 31.It is 0 % etc.If you use a service that is not in the service menu or a service beyond the usage limit, it will be at your own expense (100 % burden), so many people are careful not to pay for non -insurance.Public long -term care insurance is the minimum security, so some people use non -insurance services to receive fulfilling nursing care services.According to a nationwide survey, when preparing expenses outside the scope of public long -term care insurance, if you are currently preparing, if the head of the household or spouse requires care, public care insurance"Deposits / savings, loan trusts, money trusts" can be expected as economic preparation means for non -range expenses..The largest is 7 %, followed by "Life Insurance (other than nursing care insurance and nursing care agreement)" 15.5 %, "real estate" 11.0 %, "securities" 9.8 %, "Life insurance (long -term care insurance and nursing care agreement)" 8.It is in the order of 5 %.In this way, there are various ways to prepare for nursing care.Prepare by means that suits you.