介護費用

 

 今回のテーマは、「何年分の介護費用を準備すればいいの?」です。

最近よく、「一口に介護と言っても、終わりが見えないからどれくらい準備すればいいのか分から

ない」という声を耳にします。確かに、どのくらいの金額を準備すればいいのか目安がほしいとこ

ろです。今回は、その目安の一つをご紹介いたします。

■健康寿命から考える介護の準備費用

健康寿命とは?

WHOが示す。健康で自立した生活できる期間のこと。

平均寿命ー健康寿命=非健康期間(介護が必要な期間)

・男性の平均寿命79歳

・男性の健康寿命73歳 つまり、6年間分の介護期間

・女性の平均寿命86歳

・女性の健康寿命78歳 つまり8年間分の介護期間

つまり、この差が介護が必要な期間となるのです。あくまでこれは目安ですが、

最低限この期間の費用は準備しておいた方がいいかと思います。

これらは三大介護原因の、「脳卒中」、「認知症」、「関節疾患」などが原因です。

70歳から老化が特に顕著に!

人間は年をとるごとに老化が始まりますが、運動や習慣である程度は食い止められます。

しかし、70歳を過ぎてからは、全般的な機能低下が顕著になります。

要介護認定も増加する年齢

年代別人口に占める要支援・要介護認定者の割合は

65歳~69歳では2.7%

80歳~84歳では27,7%

85歳以上56,9%

特に、70歳を過ぎたあたりから「脳血管疾患系」の発症率が高くなります。

金額はもちろんどんな介護サービスを受けるのかで大きく変わってきますから、

具体的には出せませんが、逆にどのような介護サービスを受けたいのかを家族で話

合って、その1年間分の費用を計算すれば、最低準備したい金額が計算できます。

介護費用の目安 参考文献:東洋経済新報社 東洋経済 2010・12・18

・有料老人ホーム(介護付き) 入居一時金0~数千万円 月約15万円~30万円

・有料老人ホーム(住宅型) 入居一時金0~数千万円 月約20万円~30万円

・高齢者向け分譲マンション 分譲額数千万円

・特別養護老人ホーム 月約5万円~15万円

・介護療養型医療施設 月約7万円~17万円

・認知症高齢者グループホーム 月約12万円~18万円

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