回答1： 灞曞紑鍏ㄩ儴 LTC(Leads To Cash)锛屼粠绾跨储鍒扮幇閲戯紝灏辨槸浠庤惀閿€瑙嗚寤虹珛鐨勪竴濂楃鍒扮涓氬姟娴佺▼銆傚崕涓哄氨鏄敤LTC鏉ユ帹鍔ㄦ暣涓紒涓氳惀閿€棰嗗煙鑳藉姏鐨勬彁鍗囩殑銆傝搐鐗涙槸LTC鎬濇兂鐨勮返琛岃€咃紝璐ょ墰閫氳繃鎵撻€欼T鏈嶅姟鍟嗗唴閮ㄣ€佸閮ㄥ悇绯荤粺涓殑鏁版嵁锛屾暣鍚圛T鏈嶅姟涓嶅悓鐜妭鐨勭墿娴併€佷汉娴併€佽祫閲戞祦鍜?a href="https://zhidao.baidu.com/search?word=淇℃伅娴? highlight="true">淇℃伅娴?/a>锛屽埄鐢ㄦ暟瀛楀寲鐨勬妧鏈笌宸ュ叿鎺ㄥ姩IT鏈嶅姟鍟嗚浆鍨嬪崌绾э紝瀹炵幇浼佷笟涓氬姟鐨勫崜瓒婅繍钀ャ€? 回答2： 灞曞紑鍏ㄩ儴 LTC鍗?L2C锛圠eads To Cash锛夛紝鏄粠绾跨储鍒扮幇閲戠殑浼佷笟杩愯惀绠＄悊鎬濇兂锛屽崕涓虹殑LTC娴佺▼涔熸繁鍏ョ殑搴旂敤浜嗚繖涓€鎬濇兂锛?L2Cplat鏄繖涓€鎬濇兂鐨勮返琛岃€呫€? 回答3： 灞曞紑鍏ㄩ儴 LTC 鍗?L2C, Leads To Cash,浠庣嚎绱㈠埌鐜伴噾鐨勪紒涓氳繍钀ョ鐞嗘€濇兂锛屽崕涓虹殑LTC娴佺▼ 涔熸繁鍏ョ殑搴旂敤浜嗚繖涓€鎬濇兂锛?L2Cplat鏄繖涓€鎬濇兂鐨勮返琛岃€呫€傛槸浠ヤ紒涓氱殑钀ラ攢鍜岀爺鍙戜袱澶ц繍钀ユ牳蹇冧负涓荤嚎锛岃疮绌夸紒涓氳繍钀ュ叏閮ㄦ祦绋嬶紝娣卞害铻嶅悎浜嗙Щ鍔ㄤ簰鑱斻€丼aaS鎶€鏈€佸ぇ鏁版嵁涓庝紒涓氳繍钀ユ櫤鎱э紝鏃ㄥ湪鎵撻€犱竴涓粠甯傚満銆佺嚎绱€侀攢鍞€佺爺鍙戙€侀」鐩€佷氦浠樸€佺幇閲戝埌鏈嶅姟鐨勯棴鐜钩鍙板瀷鐢熸€佽繍钀ョ郴缁?鈥淟TC鈥濇槸鈥淟ong Term Care鈥濈殑缂╁啓锛屾剰鎬濇槸鈥滈暱鏈熺収鎶も€?br />鍖诲绫讳綔鑰?AOETC鑻辫缂╃暐璇嶁€淟TC鈥濈粡甯镐綔涓衡€淟ong Term Care鈥濈殑缂╁啓鏉ヤ娇鐢紝涓枃琛ㄧず锛氣€滈暱鏈熺収鎶も€濄€傛湰鏂囧皢璇︾粏浠嬬粛鑻辫缂╁啓璇峀TC鎵€浠ｈ〃鑻辨枃鍗曡瘝锛屽叾瀵瑰簲鐨勪腑鏂囨嫾闊炽€佽缁嗚В閲婁互鍙婂湪鑻辫涓殑娴佽搴︺€傛澶栵紝杩樻湁鍏充簬缂╃暐璇峀TC鐨勫垎绫汇€佸簲鐢ㄩ鍩熷強鐩稿叧搴旂敤绀轰緥绛夈€?br />鈥淟TC鈥濓紙鈥滈暱鏈熺収鎶わ級閲婁箟鑻辨枃缂╁啓璇嶏細LTC鑻辨枃鍗曡瘝锛歀ong Term Care缂╁啓璇嶄腑鏂囩畝瑕佽В閲婏細闀挎湡鐓ф姢涓枃鎷奸煶锛歝h谩ng q墨 zh脿o h霉缂╁啓璇嶆祦琛屽害锛?962缂╁啓璇嶅垎绫伙細Medical缂╁啓璇嶉鍩燂細Physiology浠ヤ笂涓篖ong Term Care鑻辨枃缂╃暐璇峀TC鐨勪腑鏂囪В閲婏紝浠ュ強璇ヨ嫳鏂囩缉鍐欏湪鑻辫鐨勬祦琛屽害銆佸垎绫诲拰搴旂敤棰嗗煙鏂归潰鐨勪俊鎭€?br />鑻辨枃缂╃暐璇峀TC鐨勬墿灞曡祫鏂?br />The objective of this insurance protection would be to cover your most costly risk in Long Term Care(LTC).杩欓」淇濋櫓淇濇姢鐩爣灏嗗寘鎷湪闀挎湡鎶ょ悊涓殑鏈€鏄傝吹鐨勯闄┿€?br />Children always fall sick, so we need a long term care for them.瀛╁瓙浠父甯哥敓鐥咃紝鎵€浠ラ渶瑕佹垜浠暱鏈熺殑鐓ч【銆?br />Most Health Insurance plans do not pay for Long Term Care(LTC)!澶ч儴鍒嗗尰鐤椾繚闄╀笉浼氭敮浠橀暱鏈熺枟鍏昏垂鐢紒But these diseases also need to be detected and treated early to minimize their consequences, and those who have an advanced disease will need decent long term care and support.浣嗘槸锛岃繖浜涚柧鐥呬篃闇€瑕佸湪鏃╂湡鍔犱互鍙戠幇鍜屾不鐤楋紝浠ュ敖閲忓噺灏戝甫鏉ョ殑鍚庢灉銆傞偅浜涙偅鏈夋櫄鏈熺柧鐥呯殑鐥呬汉闇€瑕佸緱鍒伴€傚綋鐨勯暱鏈熷尰鎶ゅ拰鏀寔銆?br />Who pay for long term care?璋佹敮浠橀暱鏈熺枟鍏昏垂鐢紵涓婅堪鍐呭鏄€淟ong Term Care鈥濅綔涓衡€淟TC鈥濈殑缂╁啓锛岃В閲婁负鈥滈暱鏈熺収鎶も€濇椂鐨勪俊鎭紝浠ュ強鑻辫缂╃暐璇峀TC鐨勬墍浠ｈ〃鑻辨枃鍗曡瘝锛屽叾瀵瑰簲鐨勪腑鏂囨嫾闊炽€佽缁嗚В閲婁互鍙婂湪鑻辫涓殑娴佽搴﹀拰鐩稿叧鍒嗙被銆佸簲鐢ㄩ鍩熷強搴旂敤绀轰緥绛夈€?