Page 29 - NO.136銀行家雜誌

因應高齡化問題，不但得使用保險和退休金這類財務規劃，還得思考信託之類的複雜工具。（圖／達志影像）

5萬美元，遠超過社會救助能承擔的費用範 醫療的發展而越來越值得考慮，畢竟最近的

圍；而且即使有付錢，美國養老院的財務問 「在家工作」趨勢，已使遠距醫療成為西方
題也越來越緊迫，在武漢肺炎疫情爆發之後 國家的常態。但儘管如此，這些疾病在末期
問題更嚴重。比起養老院，那些便宜的「居 依然需要全天候照顧。
家養老」方案更可行，而且可能會隨著遠距 大部分的人都會自己照顧年邁的親人，而

and other neurodegenerative diseases such as norm in Western countries. Nevertheless, full-time
Parkinson’s also have similar profiles. care becomes inevitable in the later stages of disease
Second, treatment is very expensive. In the progression.
US, nursing homes cost US$ 40,000 - US$ 50,000 a Often, family members choose to take care
year, far beyond the scope of any public assistance of their elderly relatives themselves, rather than
program – and despite that fee, the financial stability employing professional caretakers. This can be a
of nursing homes is becoming an increasingly good choice, depending on the context, but it can
pressing issue in the US, especially following the also come at a great cost to the next generation.

pandemic. Other, less expensive service models This difficult choice was an important driving force
based on the concept of ‘aging in place’ are behind the rise of feminism during the 20th century,
feasible, and may even become more so with the although the concept is not usually spoken of in
development of telemedicine. This is particularly the terms of retirement finance. Traditionally, housewives
case following the growth of the ‘work from home’ would take care of both children and any elderly
model, as remote medical practice has become the who needed help, creating a large sector of non-market

台灣銀行家2021.4月號 29

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