The national pension doesn't have a lot of money, but is there a nursing home to put it in?
If so, what kind of nursing home is it?
Many people are worried about how much pension they will receive in the future.
In particular, people who are not enrolled in the Employees' Pension Insurance may be quite worried.
In this article, we will explain what options are available for nursing homes that you can enter with the national pension, the market price and characteristics.
table of contents
Nursing homes covered by the national pension
The national pension benefits are said to be about 55,000 to 56,000 yen on average.
Are there old age homes that pay for pensions?
Nursing homes that can be put in the national pension are as follows.
·Special elderly nursing home
・Geriatric health facilities
・Nursing care clinic
・Care house
I will explain each.
Special elderly nursing home
It is a so-called special facility.
It is a public long-term care insurance facility that even provides end-of-life care.
24-hour nursing care is also available. The fee for using the facilities is low.
In the past, the conditions for admission were lenient, but now only those with a nursing care level of 3 or higher can enter.
Due to its low price and popularity, many places have a waiting list.
However, since nurses are not always available, it may be difficult to enter the facility if medical assistance is required at all times.
Nursing home costs
Since special nursing homes for the elderly are public facilities, there is no move-in fee when entering the facility, and only a monthly usage fee is charged.
The monthly cost of a special nursing home for the elderly varies somewhat depending on the level of care and the ability of the person responsible for support to pay. The cost also varies depending on the type of room.
The cost estimate ranges from 96,000 yen to 131,000 yen.
Geriatric health facility
It is a facility called so-called old health.
This is a facility where people who cannot go home after being admitted to a hospital, etc., enter temporarily, and whose goal is to return home while undergoing rehabilitation.
Doctors and nurses are also assigned according to facility standards.
Health care facilities for the elderly are open to those with a nursing care level of 1 to 5, and those with a nursing care level of 5 are not allowed to enter.If you have dementia or a specific disease and have received certification for long-term care, you can enter. We also accommodate people with dementia. The period of admission is about half a year.
In addition to regular admission, health care facilities for the elderly have a usage method called "short stay" in which they are admitted for a short period of time. Services such as rehabilitation and nursing are also available to other residents.
There are other ways to use it as a daycare. Day care is a service that can be received by people with support level 1 or 2. This is a service that allows you to perform rehabilitation together with physical and occupational therapists.
Aged health facility costs
As long-term care health facilities are public facilities, there is no lump-sum payment for moving in, and only a monthly usage fee is charged.
This is a rough estimate of the monthly cost of a nursing care facility. The cost depends on the room type.
Unit type private room: about 150,000 yen
Multi-bed room: 90,000 yen + medical expenses
Nursing care clinic
Nursing care clinic is a new facility that was established in 2018.
Nursing care clinics are for people who cannot go home directly from hospitals.
Nursing care clinics are characterized by the fact that they accept people who need sputum suction, who need constant drips, and who need other medical treatment, who cannot be admitted to special nursing homes. Doctors and nurses are stationed at the facility, and they are able to provide courteous medical care. The target is those who have received nursing care certification and are eligible for nursing care level 1 to 5.
Nursing care clinics are intended for people with severe symptoms, those with complications, and those with dementia, so it may not be possible for people with mild symptoms to enter. In addition, additional medical fees are added for conditions such as dementia, malnutrition, and the need for assistance with excretion. Therefore, it is thought that the acceptance of those who meet the additional requirements will progress.
Nursing care clinic expenses
Nursing care clinics do not charge a lump-sum fee for moving in. Monthly usage fee only.
The monthly cost of a nursing care clinic varies depending on the type of room and the level of care. A rough estimate of monthly costs is as follows:
Conventional private room: 111,000 yen to 126,000 yen
Multi-bed room: 75,000 to 91,000 yen
Unit type private room: 125,000 yen to 139,000 yen
Transitional unit type private multi-bed room: 115,000 to 130,000 yen
care house
A care house is a facility for elderly people aged 60 and over who are worried about living at home.
Care homes are divided into general (independent) care homes and care homes.
General (independent) type care house
A general (independent) type care house is a facility for people aged 60 and over who are worried about living at home. You don't need to be certified as a caregiver. Services available include meals, cleaning and laundry.
Since it is intended for people who do not need long-term care, it is better to think that it will be difficult to use it if the level of care level is 3 or higher.
Care type care house
Nursing-type care homes are facilities that can be used by people aged 65 or older who have received certification as requiring nursing care level 1 or above. In addition to services such as meals and laundry, it is characterized by helping with bathing and toileting. Because there are facilities that support dementia and end-of-life care, you can continue to live for a long time even if your condition changes.
care house costs
The cost of moving in differs between the general type and the nursing type. The monthly usage fee is determined by the degree of nursing care and income.
A security deposit is required at the time of move-in for the general type. A general security deposit is similar to a security deposit in a typical rental property, and is often returned when you move out.
Approximate cost of a general (independent) type care house
Initial cost: 0-300,000 yen
Monthly usage fee: 60,000 to 170,000 yen
Nursing care type requires a lump-sum payment at the time of moving in. The lump-sum payment will be amortized according to the depreciation rate and depreciation period determined by the facility.
Estimated cost of a care-type care house
Initial cost: Hundreds of thousands to millions of yen
Monthly usage fee: 160,000 to 200,000 yen
summary
In this article, we have introduced nursing homes where you can enter with the national pension.
The cost varies depending on the type of room, but you can see that the target users are narrowed down in addition to the cost.
There are various types of facilities, and I think that there are many cases where you do not know which one to use. In such a case, it is easier to decide the direction if you consult with the hospital's medical counselor or care manager and get their opinions about which facilities you can use.
Let's choose the best facility while enlisting the help of various people.
References
・Ministry of Health, Labor and Welfare: Nursing care facilities for the elderly (special nursing homes for the elderly)
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&ved=2ahUKEwjynoL8sbT7AhUIG4gKHfVOCPAQFnoECAwQAQ&url=https%3A%2F%2Fwww.mhlw.go.jp%2Fcontent%2F12300000%2F000663498.pdf&usg= AOvVaw0jq4b_NpQpwrLkdJlmrQ0o
・National Geriatric Health Service Association
https://www.roken.or.jp/wp/wp-content/uploads/2018/12/roken_senmon_A4_safe.pdf
・Ministry of Health, Labor and Welfare: Calculation structure of long-term care fees
https://www.mhlw.go.jp/content/12300000/000728262.pdf
・Overview of 2016 Welfare Pension Insurance and National Pension Business “Ministry of Health, Labor and Welfare Welfare Pension Insurance (No. 1)”
https://www.mhlw.go.jp/file/06-Seisakujouhou-12500000-Nenkinkyoku/H28.pdf