{"id":5273,"date":"2024-03-29T16:47:53","date_gmt":"2024-03-29T20:47:53","guid":{"rendered":"https:\/\/kingdomresourcesforchrist.com\/?post_type=article&#038;p=5273"},"modified":"2025-08-11T16:46:47","modified_gmt":"2025-08-11T20:46:47","slug":"intro-long-term-care-insurance","status":"publish","type":"article","link":"https:\/\/e-krc.org\/ch\/article\/intro-long-term-care-insurance\/","title":{"rendered":"\u8ba4\u8bc6\u957f\u671f\u7167\u62a4\u9669"},"content":{"rendered":"<style>.wp-block-kadence-advancedheading.kt-adv-heading5273_4b73d8-aa, .wp-block-kadence-advancedheading.kt-adv-heading5273_4b73d8-aa[data-kb-block=\"kb-adv-heading5273_4b73d8-aa\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5273_4b73d8-aa mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5273_4b73d8-aa[data-kb-block=\"kb-adv-heading5273_4b73d8-aa\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5273_4b73d8-aa img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5273_4b73d8-aa[data-kb-block=\"kb-adv-heading5273_4b73d8-aa\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading5273_4b73d8-aa wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5273_4b73d8-aa\">\u3010\u500b\u4eba\u7406\u8ca1\u7cfb\u5217\u3011<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/vkl.umo.mybluehost.me\/wp-content\/uploads\/2025\/08\/intro-long-term-care-insurance-1.jpg\" alt=\"\"\/><\/figure>\n\n\n\n<p>\u8ad6\u53ca\u9577\u671f\u770b\u8b77\u96aa\uff0c\u591a\u5e74\u524d\u6211\u5c31\u91dd\u5c0d\u9019\u500b\u8b70\u984c\u505a\u904e\u4e00\u7cfb\u5217\u7684\u5206\u4eab\u8207\u547c\u7c72\uff0c\u4e3b\u984c\u662f\uff1a\u300c\u5168\u7403\u4eba\u985e\u7684\u4e0b\u4e00\u500b\u6d77\u562f\u2500\u9577\u671f\u7167\u9867\u300d\u3002<\/p>\n\n\n\n<p>\u81fa\u7063\u7684\u300c\u9577\u671f\u7167\u9867\u4fdd\u96aa\u300d\uff08\u4ee5\u4e0b\u7c21\u7a31\u9577\u7167\u96aa\uff09\uff0c\u65bc2015\u5e747\u6708\u61c9\u91d1\u7ba1\u6703\u8981\u6c42\uff0c\u5c07\u539f\u672c\u540d\u70ba\u300c\u9577\u671f\u770b\u8b77\u4fdd\u96aa\u300d\uff08\u7c21\u7a31\u9577\u770b\u96aa\uff09\u7d71\u4e00\u6b63\u540d\u3002\u4fdd\u96aa\u5c402018\u5e744\u670819\u65e5\u8868\u793a\uff0c\u70ba\u5c0a\u91cd\u8eab\u5fc3\u969c\u7919\u8005\uff0c\u884c\u653f\u9662\u5df2\u901a\u904e\u4fdd\u96aa\u6cd5\u4fee\u6b63\u6848\uff0c\u5c07\u4fdd\u96aa\u6cd5\u4e2d\u300c\u6b98\u5ee2\u300d\u7528\u8a9e\u5168\u9762\u6539\u70ba\u300c\u5931\u80fd\u300d\u3002<\/p>\n\n\n\n<p>\u7acb\u6cd5\u9662\u65bc2018\u5e744\u670825\u65e5\u4e09\u8b80\u300a\u907a\u7522\u53ca\u8d08\u8207\u7a05\u6cd5\u300b\u4fee\u6b63\u6848\uff0c\u70ba\u7c4c\u63aa\u9577\u7167\u8ca1\u6e90\uff0c\u907a\u7522\u7a05\u53ca\u8d08\u8207\u7a05\u7531\u539f\u55ae\u4e00\u7a05\u738710\uff05\uff0c\u8abf\u9ad8\u70ba10\uff05\u300115\uff05\u53ca20\uff05\u4e09\u968e\u6bb5\u7d2f\u9032\u7a05\u7387\u3002\u8ca1\u653f\u90e8\u4f30\u8a08\u7d93\u904e\u4fee\u6cd5\u5f8c\uff0c\u6bcf\u5e74\u5c07\u53ef\u6339\u6ce8\u9577\u716763\u5104\u81fa\u5e63\u3002\u7531\u6b64\u53ef\u898b\u9577\u671f\u7167\u9867\u8b70\u984c\u8207\u6240\u9700\u7d93\u8cbb\u652f\u51fa\u5c07\u56b4\u91cd\u885d\u64ca\u81fa\u7063\u3002<\/p>\n\n\n\n<p>\u91dd\u5c0d\u9577\u671f\u7167\u9867\u4fdd\u96aa\uff0c\u5927\u81f4\u88ab\u5340\u5206\u70ba\u9577\u7167\u96aa\u3001\u7279\u5b9a\u50b7\u75c5\u96aa\uff08\u53c8\u540d\u985e\u9577\u7167\u96aa\uff09\u8207\u6b98\u6276\u96aa\uff08\u5931\u80fd\u6276\u52a9\u96aa\uff09\u4e09\u985e\u3002\u56e0\u6b64\u5f15\u767c\u51fa\u4ee5\u4e0b\u4e00\u9023\u4e32\u7684\u554f\u984c\uff1a\u5546\u54c1\u7a2e\u985e\u591a\uff0c\u8a72\u5982\u4f55\u6311\u9078\uff1f\u6211\u6709\u9700\u8981\u55ce\uff1f\u5982\u4f55\u7406\u8ce0\uff1f\u7406\u8ce0\u5982\u4f55\u8a8d\u5b9a\uff1f\u8981\u82b1\u591a\u5c11\u9322\u898f\u5283\u5462\uff1f\u6709\u9700\u8981\u7d50\u5408\u5132\u84c4\u529f\u80fd\u55ce\uff1f\u2026\u2026<\/p>\n\n\n\n<p>\u6bcf\u7576\u88ab\u554f\u53ca\u6642\uff0c\u6211\u7e3d\u662f\u5148\u8207\u5ba2\u6236\u8a0e\u8ad6\u4ee5\u4e0b\u5e7e\u500b\u554f\u984c\uff1a<\/p>\n\n\n\n<p>\u900f\u904e\u4fdd\u96aa\u898f\u5283\u9577\u671f\u7167\u9867\u4fdd\u96aa\u771f\u6b63\u7528\u610f\u662f\u751a\u9ebc\uff1f<\/p>\n\n\n\n<p>\u5e0c\u671b\u89e3\u6c7a\u751a\u9ebc\u6a23\u7684\u554f\u984c\uff1f\u70ba\u751a\u9ebc\u9700\u8981\u898f\u5283\uff1f<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u81fa\u7063\u9577\u671f\u7167\u9867\u96aa\u7684\u4e09\u5927\u985e\u578b<\/h3>\n\n\n\n<p><strong>\u7b2c\u4e00\u985e\u578b\uff1a\u9577\u671f\u7167\u9867\u96aa<\/strong><\/p>\n\n\n\n<p>\u300c\u9577\u671f\u7167\u9867\u72c0\u614b\u300d\uff1a\u4fc2\u6307\u88ab\u4fdd\u96aa\u4eba\u7d93\u5c08\u79d1\u91ab\u5e2b\u8a3a\u65b7\u5224\u5b9a\uff0c\u7b26\u5408\u4e0b\u5217\u4e4b\u751f\u7406\u529f\u80fd\u969c\u7919\u6216\u8a8d\u77e5\u529f\u80fd\u969c\u7919 \u4e8c\u9805\u60c5\u5f62\u4e4b\u4e00\u8005\u3002<\/p>\n\n\n\n<p><strong>\u4e00\u3001\u751f\u7406\u529f\u80fd\u969c\u7919\uff1a<\/strong>\u4fc2\u6307\u88ab\u4fdd\u96aa\u4eba\u7d93\u5c08\u79d1\u91ab\u5e2b\u4f9d\u5df4\u6c0f\u91cf\u8868\uff08Barthel Index\uff09\u6216\u4f9d\u5176\u5b83\u81e8\u5e8a\u5c08\u696d\u8a55\u91cf \u8868\u8a3a\u65b7\u5224\u5b9a\uff0c\u5176\u9032\u98df\u3001\u79fb\u4f4d\u3001\u5982\u5ec1\u3001\u6c90\u6d74\u3001\u5e73\u5730\u884c\u52d5\u53ca\u66f4\u8863\u7b49\u516d\u9805\u65e5\u5e38\u751f\u6d3b\u81ea\u7406\u80fd\u529b\uff08Activities of Daily Living, ADLs\uff09\u6301\u7e8c\u5b58\u6709\u4e09\u9805\uff08\u542b\uff09\u4ee5\u4e0a\u4e4b\u969c\u7919\u3002\u524d\u8ff0\u516d\u9805\u65e5\u5e38\u751f\u6d3b\u81ea\u7406\u80fd\u529b\uff08ADLs\uff09\u5b58\u6709\u969c\u7919\u4e4b\u5b9a\u7fa9\u5982\u4e0b\uff1a<\/p>\n\n\n\n<p>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u9032\u98df\u969c\u7919\uff1a\u9808\u5225\u4eba\u5354\u52a9\u624d\u80fd\u53d6\u7528\u98df\u7269\u6216\u7a7f\u812b\u9032\u98df\u8f14\u5177\u3002<br>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u79fb\u4f4d\u969c\u7919\uff1a\u9808\u5225\u4eba\u5354\u52a9\u624d\u80fd\u7531\u5e8a\u79fb\u4f4d\u81f3\u6905\u5b50\u6216\u8f2a\u6905\u3002<br>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u5982\u5ec1\u969c\u7919\uff1a\u5982\u5ec1\u904e\u7a0b\u4e2d\u9808\u5225\u4eba\u5354\u52a9\u624d\u80fd\u4fdd\u6301\u5e73\u8861\u3001\u6574\u7406\u8863\u7269\u6216\u4f7f\u7528\u885b\u751f\u7d19\u3002<br>4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u6c90\u6d74\u969c\u7919\uff1a\u9808\u5225\u4eba\u5354\u52a9\u624d\u80fd\u5b8c\u6210\u76c6\u6d74\u6216\u6dcb\u6d74\u3002<br>5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u5e73\u5730\u884c\u52d5\u969c\u7919\uff1a\u96d6\u7d93\u5225\u4eba\u6276\u6301\u6216\u4f7f\u7528\u8f14\u5177\u4ea6\u7121\u6cd5\u884c\u52d5\uff0c\u4e14\u9808\u5225\u4eba\u5354\u52a9\u624d\u80fd\u64cd\u4f5c\u8f2a\u6905\u6216\u96fb\u52d5\u8f2a\u6905\u3002<br>6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u66f4\u8863\u969c\u7919\uff1a\u9808\u5225\u4eba\u5b8c\u5168\u5354\u52a9\u624d\u80fd\u5b8c\u6210\u7a7f\u812b\u8863\u8932\u978b\u896a\uff08\u542b\u7fa9\u80a2\u3001\u652f\u67b6\uff09\u3002<\/p>\n\n\n\n<p><strong>\u4e8c\u3001\u8a8d\u77e5\u529f\u80fd\u969c\u7919\uff1a<\/strong>\u4fc2\u6307\u88ab\u4fdd\u96aa\u4eba\u7d93\u5c08\u79d1\u91ab\u5e2b\u8a3a\u65b7\u5224\u5b9a\u70ba\u6301\u7e8c\u5931\u667a\u72c0\u614b\uff08\u4fc2\u6307\u6309\u300c\u570b\u969b\u75be\u75c5\u50b7\u5bb3 \u53ca\u6b7b\u56e0\u5206\u985e\u6a19\u6e96\u300d\u7b2c\u4e5d\u7248\uff08ICD-9-CM\uff09\u7de8\u865f\u7b2c290\u865f\u3001\u7b2c294\u865f\u53ca\u7b2c331\u865f\u9ede\u96f6\u6240\u7a31\u75c5\u75c7\uff0c\u5982\u4fdd\u55ae\u6240\u793a\u9644\u8868\u4e00\uff09\u4e26\u6709\u5206\u8fa8\u4e0a\u7684\u969c\u7919\uff0c\u4e14\u4f9d\u81e8\u5e8a\u5931\u667a\u91cf\u8868\uff08Clinical Dementia Rating Scale, CDR\uff09\u8a55\u4f30\u9054\u4e2d\u5ea6\uff08\u542b\uff09\u4ee5\u4e0a\uff08\u53732\u5206\u4ee5\u4e0a\uff09\u6216\u7c21\u6613\u667a\u80fd\u6e2c\u9a57\uff08Mini Mental State Examination, MMSE\uff09\u9054\u4e2d\u5ea6\uff08\u542b\uff09\u4ee5\u4e0a\uff08\u5373\u7e3d\u5206\u4f4e\u65bc18\u5206\uff09\u8005\u3002\u524d\u8ff0\u6240\u7a31\u300c\u5206\u8fa8\u4e0a\u7684\u969c\u7919\u300d\u4fc2\u6307\u5c08\u79d1\u91ab\u5e2b\u5728\u88ab\u4fdd\u96aa\u4eba\u610f\u8b58\u6e05\u9192\u7684\u60c5\u6cc1\u4e0b\uff0c\u5224\u5b9a\u6709\u4e0b\u5217\u4e09\u9805\u5206\u8fa8\u969c\u7919\u4e2d\u4e4b\u4e8c\u9805\uff08\u542b\uff09\u4ee5\u4e0a\u8005\uff1a<\/p>\n\n\n\n<p>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u6642\u9593\u7684\u5206\u8fa8\u969c\u7919\uff1a\u7d93\u5e38\u7121\u6cd5\u5206\u8fa8\u5b63\u7bc0\u3001\u6708\u4efd\u3001\u65e9\u665a\u6642\u9593\u7b49\u3002<br>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; \u5834\u6240\u7684\u5206\u8fa8\u969c\u7919\uff1a\u7d93\u5e38\u7121\u6cd5\u5206\u8fa8\u81ea\u5df1\u7684\u4f4f\u5c45\u6240\u6216\u73fe\u5728\u6240\u5728\u4e4b\u5834\u6240\u3002<br>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 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\u7406\u8ce0\u4fdd\u984d\u5168\u6578\uff0c\u5951\u7d04\u7d42\u6b62\u3002<br>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 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