退休, 这个问题俺还真考虑过....
haha, the best way, of course, is be poor and let uncle sam take care of you, and believe me, I have tenants been disable and living on SS disability income for 20+ years, and they look perfectly fine..
but for rest of us, its not that lucky. I did lots of research when my parents retire...
1. health insurance, premium for my parents, from age 62 to 65, went from $900 per person to $1400 per person each month.
2. life insurance, my parents had a term life expire on age of 70, I just let it expire..
3. longterm care insurance, I am a big fan so far. Medicare pays only first 30 days of nursing home, after that, its your problem. it is an annuity product, and my state is the only few state offer asset protections, meaning if the policy exhausted, state Medicaid will kick in and all your assets are protected. premium is relatively inexpensive, only $140 per person per month if you start at age 65.
4. living trust, if you have a sizable asset, should set one up to avoid probation..
5. if you intend to let uncle SAM take care of you, family limited partnership, can transfer your assets to your kids easier. once you hide your assets, you can be poor, Medicare can back track your assets up to 3? years(I think).
http://bbs.wenxuecity.com/tzlc/310950.html
