【Eng Sub】收入超標拿不到白卡？中產長者還有哪些照顧補助？｜Senior Care Benefits

🏠 有房、有存款，卻請不起護理員？中產長者也能申請政府照顧補助嗎？ 在三藩市，長期居家照顧每月可能花費數千美元！收入超過白卡（Medi-Cal）資格，又無法負擔私人護理，難道只能靠子女照顧？ 本集《傾城計話 City Spotlight》邀請安老自助處社會服務部主任余姑娘，深入解釋紅藍卡（Medicare）、白卡（Medi-Cal）及 IHSS 的保障差別，並介紹三藩市 Support at Home 居家支持計劃。 💡 誰符合補助資格？每月要自付多少？可以聘請自己的子女照顧嗎？如果需要輪候，還有哪些選擇？ 一次了解中產家庭如何減輕長期照顧負擔，提早規劃安心退休生活！ 🏠 Own a home and have some savings, but still can’t afford long-term care? Are there government programs that can help middle-class seniors? In San Francisco, in-home care can cost thousands of dollars a month! What happens when your income is too high to qualify for Medi-Cal, but private caregivers are simply too expensive? In this episode of City Spotlight, we speak with a social services expert from Self-Help for the Elderly to explain the differences between Medicare, Medi-Cal, and IHSS, and explore San Francisco’s Support at Home program. 💡 Who qualifies for financial assistance? How much will you pay out of pocket? Can family members get paid to provide care? What options are available while waiting for services? Discover how middle-class families can reduce long-term care costs, access available support, and plan for a more secure retirement. 📌 時間軸 Chapters 00:00 精彩內容 ｜ Highlights 00:49 中產長者有哪些照顧補助可以申請？ ｜ Senior Care Benefits 02:47 紅藍卡Medicare包不包長期護理？ ｜ Medicare Coverage 04:24 白卡Medi-Cal與IHSS有甚麼關係？ ｜ Medi-Cal and IHSS 05:12 夫妻收入超標，仍有機會申請白卡嗎？ ｜ Spousal Protections 07:56 收入超過白卡上限，分擔費用白卡是甚麼？ ｜ Share of Cost 09:16 沒有白卡，可以申請居家照顧補助嗎？ ｜ Care Assistance 10:09 三藩市Support at Home居家支持申請資格 ｜ Eligibility 11:43 Support at Home是政府資助的計劃嗎？ ｜ Program Funding 12:14 不住三藩市，如何查詢長者照顧資源？ ｜ Local Resources 12:35 居家支持要自付多少？每週有多少照顧時數？ ｜ Costs and Hours 15:09 照顧父母可以領薪嗎？能否聘請家人或朋友？ ｜ Paid Family Care 17:08 如何找會說廣東話、適合長者的護理員？ ｜ Finding a Caregiver 19:10 居家照顧補助需要等多久？輪候期間怎麼辦？ ｜ Waiting for Services 21:01 自己請護理員還是透過機構？費用以外要注意甚麼？ ｜ Hiring Options 23:03 不符合照顧補助資格，還有哪些社區支援？ ｜ Community Support 24:55 幾歲開始規劃長期護理和退休照顧？ ｜ Care Planning 25:59 居家養老要準備甚麼？家居安全與家人分工 ｜ Home and Family 🎬 YouTube獨家完整節目 本集完整版只在YouTube《傾城計話 City Spotlight》播出。 YouTube Exclusive: Watch the full episode only on City Spotlight’s YouTube channel. 過往節目回顧：https://tinyurl.com/mwasah4f 最新節目收看：   / @cityspotlight19   本節目嘉賓或受訪者的言論純屬個人意見，並不代表本頻道立場。 The opinions expressed by the various guests and interviewee on this program do not reflect the opinions of the ownership, management and staff of Production 19 LLC. © City Spotlight, 2026. All rights reserved. No part of this video (including audio, video, or graphics) may be reproduced, distributed, transmitted, or re-uploaded in any form or by any means, including hosting on other YouTube channels or external platforms, without the prior written permission of the copyright owner. Unauthorized use, re-uploads, or distribution of this material will result in an immediate copyright takedown request (DMCA) filed with YouTube, which may lead to a copyright strike against your channel. #長期護理 #長期照顧 #中產長者 #居家照顧 #長者福利 #白卡 #紅藍卡 #IHSS #SupportAtHome #三藩市 #廣東話 #粵語 #LongTermCare #SeniorCare #Caregiving #CitySpotlight