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This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

We can take care of your insurance ！ Japanese language ・ Free quotation ！ ！

Farmers Insurance, America's leading insurance company that continues to be trusted.
We will select the best plan for each customer's needs and provide prompt and detailed explanations.
We provide total support in Japanese, from quotation and application to accident handling, so you can rest assured.

・ Car Insurance
Car insurance is essential for driving a car in the United States, a society of cars. We will select a plan that fits your needs.

・ Home Insurance / Renters Insurance （ Renters Insurance ）
Home Insurance to protect your precious home. Fire, theft, lightning, hail, etc. We will choose the right plan for you.
Renters insurance is for people living in apartments and rented houses.　　　

・ Life Insurance / Private Annuities
Various plans are available. There are also plans that do not require a medical examination, so those who are concerned about their current health condition can
consult with us with peace of mind.

・ Health Insurance / Medicare
We also offer PPO health insurance, which can be used in Japan and has low deductible, and Medicare ・ Supplement （ Medigap ）
.

・ Pet Insurance
This insurance covers the costs incurred when your beloved pet, a member of your family, receives medical treatment for illness or injury.

・ Business Insurance
We protect your business in America, a nation of lawsuits.　We will help you choose the right insurance policy for your business.


If you would like to review your current insurance plan, consult with us, or have any questions, please contact us anytime.

・ We want to reduce your premiums.
・ I want to change my insurance policy.
・ I want to know if the plan I have joined is right for me.
・ I am concerned about my current health condition and would like to purchase life insurance/individual annuity that does not require a medical examination.

There is a possibility to save a lot of money on insurance premiums.　Please feel free to contact us for a free quote in Japanese.


Yasuhiro Yoshimi
Cavaness Insurance Agency
14110 Dallas Parkway #125, Dallas, Texas 75254
Office: ( 972) 769-9136
Japanese Line (469) 795-1190
yasuhiro.rcavaness1@farmersagency.com
https://texasjapaneseinsurance.com

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

Long-term care situation and long-term care insurance in Hawaii in an aging society

Long-Term Care in Hawaii and Long-Term Care Insurance in an Aging Society

We may not realize it when we are healthy, but at some point in our lives, we will need long-term care.　
Long-term care insurance can help you in such a case.

According to data from the National Association of Insurance Commissioners (NAIC™),]
＊ 70% of U.S. residents who have reached age 65 feel that they will need some type of long-term care at least once in their lives. feel that they will need some type of long-term care at least once in their lives.
＊ Of U.S. residents who have reached age 65, 35% feel that they will be in a nursing home at least once in their lives
.
＊ A person at age 65 has an average of 19 ． 4 years （ remaining life expectancy for women 20 ． 6 years and 18 years for men ） The longer a person lives, the greater the need for
nursing care, including chronic illness.

[The cost of care when you need it ？ ] Data by NAIC
＊ Home Health Care (Home Care ） : Licensed Caregiver （ Certified Nurse Aid ） Home Health Care by
＝ $ 25/H x 6H x 5 days x 4 weeks = $ 3000 / month
＊ Assisted Living Facility （ Assisted ・ Living Facility ） ： As of 2018, monthly ＄ 4000, yearly ＄ 48000
＊ Nursing Home （ Nursing Home ） ： As of 2018 Annual ＄ 89 ， 297

（ Note 1 ） Hawaii's cost of care is higher than other states.　
（ Note 2 ） Japan's long-term care insurance system is administered by the government, but in the U.S., individuals must purchase their own insurance.
（ Note 3 ） Medicare enrollees are covered for up to 100 days if coverage is approved, but the first 20 days are 100% covered,
after that it is CO-PAY. Benefit Policy ( Long-term care insurance with a greater need than life insurance ）
3 ． Stand - Alone Policy ( People who do not need life insurance but need long-term care insurance ）

【 Two types of
1 ． Reimbursement （ Reimbursement ） ： The insurance company generally pays
claims directly to nursing homes for expenses deemed necessary for care.
2 2 2 ． Cash Indemnity （ Cash ・ Indemnity ） ： 100% of the amount of the long-term care insurance policy is received by the person in cash from the insurance company and can be used for
long-term care expenses or other purposes

Long-term care insurance was introduced in the 1980s as the cost of long-term care rose, and Nationwide research shows that 74%
of people in their 50s would like to live at home as long as possible in the future, but this is not always the case, depending on the person's wishes. However, there are those who cannot meet their wishes and those who have difficulty
providing care at home.
In addition, there are those for whom long-term care insurance is not suitable.　The average age for joining long-term care insurance is currently 59 years old.

There are various cases, so if you have any questions, please feel free to contact us so that we can guide you according to your case.

Benefit充実、明るく活気のある職場です。