{"id":1268,"date":"2023-02-15T00:00:00","date_gmt":"2023-02-15T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/2023\/02\/15\/five-health-care-costs-to-consider-in-your-financial-and-retirement-plans\/"},"modified":"2023-11-01T10:48:06","modified_gmt":"2023-11-01T14:48:06","slug":"five-health-care-costs-to-consider-in-your-financial-and-retirement-plans","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/five-health-care-costs-to-consider-in-your-financial-and-retirement-plans","title":{"rendered":"Planification financi\u00e8re et r\u00e9gime de retraite : cinq co\u00fbts li\u00e9s aux soins de sant\u00e9 \u00e0 prendre en consid\u00e9ration"},"content":{"rendered":"\n

Les co\u00fbts du vieillissement ne sont pas souvent au c\u0153ur des pr\u00e9occupations. Lorsque vous \u00eates confront\u00e9 \u00e0 des situations o\u00f9 un \u00eatre cher a besoin de soins ou que vous avez besoin d\u2019aide, le montant de ces co\u00fbts peut \u00eatre surprenant.<\/p>\n\n\n\n

\u00ab Il n\u2019est pas facile pour les quinquag\u00e9naires de se pencher sur des questions de soins qui surviendront dans 20 ou 30 ans plus tard dans leur vie. Puis, soudainement, l\u2019un de leurs parents se retrouve dans une situation \u00e0 laquelle ils n\u2019\u00e9taient pas forc\u00e9ment pr\u00e9par\u00e9s, et ils se d\u00e9m\u00e8nent pour faire le n\u00e9cessaire \u00bb, d\u00e9clare Howard Kabot, vice-pr\u00e9sident, Planification financi\u00e8re au Bureau de gestion de patrimoine familial RBC.<\/p>\n\n\n\n

\u00ab Cela vous fait prendre conscience de ce qui pourrait se passer quand vous<\/em> arrivez \u00e0 ce stade de votre vie, ajoute Howard Kabot, qui a r\u00e9cemment aid\u00e9 sa m\u00e8re \u00e0 d\u00e9m\u00e9nager. Vous pensiez voyager dans le monde jusqu\u2019\u00e0 95 ans, et si vous le faites, super ! Mais quel est le plan de secours ? Quelle est l\u2019incidence d\u2019un plan de secours pour les soins de sant\u00e9 sur vos finances ? \u00bb<\/p>\n\n\n\n

Pour mieux vous pr\u00e9parer \u00e0 la retraite et aux incertitudes li\u00e9es au vieillissement, voici les cinq principaux co\u00fbts de soins \u00e0 prendre en consid\u00e9ration dans la planification de votre avenir financier :<\/p>\n\n\n\n

1. Le co\u00fbt des soins \u00e0 domicile priv\u00e9<\/h2>\n\n\n\n

Tout le monde n\u2019est pas admissible aux soins \u00e0 domicile financ\u00e9s par l\u2019\u00c9tat, et les programmes gouvernementaux ne fournissent pas toujours les heures ou le niveau de soins que les personnes souhaitent.<\/p>\n\n\n\n

\u00ab Quand des personnes me demandent : \u201cCombien devrais-je mettre de c\u00f4t\u00e9 pour les soins \u00e0 domicile priv\u00e9 ?\u201d Je r\u00e9pondrai : \u00ab Ce n\u2019est pas facile \u00e0 r\u00e9pondre parce que vos besoins en mati\u00e8re de soins peuvent changer du jour au lendemain \u00bb, d\u00e9clare Audrey Miller, premi\u00e8re directrice g\u00e9n\u00e9rale de Elder Caring Inc. <\/a><\/span>, un chef de file reconnu en mati\u00e8re de planification des soins de vie, de vieillissement et de prestation de soins.<\/p>\n\n\n\n

\u00ab Si vous avez besoin de quelqu\u2019un quatre heures par jour pour faire des courses l\u00e9g\u00e8res, faire un repas et de la lessive, c\u2019est une chose. Mais si vous avez un accident vasculaire c\u00e9r\u00e9bral ou si vous avez besoin de quelqu\u2019un pour vous retourner dans votre lit toutes les trois heures, eh bien, ce sont des soins 24 heures sur 24, sept jours sur sept. \u00bb<\/p>\n\n\n\n

Cela pourrait co\u00fbter plus de 100\u2009000 $ par an pour avoir des soins \u00e0 domicile huit heures par jour, sans compter les jours f\u00e9ri\u00e9s, explique Audrey Miller. Ce chiffre est fond\u00e9 sur un taux horaire moyen de 35 $ pour un pr\u00e9pos\u00e9 aux services de soutien personnel en Ontario, et les co\u00fbts augmentent avec la demande.<\/p>\n\n\n\n

2. Le co\u00fbt, financier et \u00e9motionnel, pour les aidants naturels<\/h2>\n\n\n\n

Devriez-vous vous fier \u00e0 un \u00eatre cher ou \u00e0 un membre de votre famille si vous avez besoin de soins \u00e0 l\u2019avenir ? Tenez compte de l\u2019incidence sur les vies de ceux qui occupent un r\u00f4le d\u2019aidant naturel<\/a><\/span>.<\/p>\n\n\n\n

Selon Statistique Canada <\/a><\/span>, un Canadien sur quatre de 15 ans ou plus fournit des soins \u00e0 un membre de sa famille qui souffre d\u2019un probl\u00e8me de sant\u00e9 de longue dur\u00e9e, d\u2019une incapacit\u00e9 physique ou d\u2019un probl\u00e8me li\u00e9 \u00e0 l\u2019\u00e2ge. Pr\u00e8s de la moiti\u00e9 d\u2019entre eux ont d\u00e9clar\u00e9 s\u2019occuper principalement de leurs parents ou de leurs beaux-parents.<\/p>\n\n\n\n

\u00ab Le co\u00fbt des soins n\u2019est pas seulement financier, il s\u2019agit \u00e9galement d\u2019une charge \u00e9motionnelle pour l\u2019aidant naturel, ajoute Audrey Miller, qui s\u2019est r\u00e9cemment associ\u00e9 avec RBC Gestion de patrimoine en tant que nouveau partenaire en mati\u00e8re de vieillissement en sant\u00e9. Ensemble, ils ont produit une s\u00e9rie de vid\u00e9os \u00e9ducatives sur le vieillissement en sant\u00e9, et ont notamment donn\u00e9 des conseils sur la fa\u00e7on d\u2019\u00e9viter l\u2019\u00e9puisement des aidants<\/a><\/span>.<\/p>\n\n\n\n

\u00ab La famille ne peut pas toujours tout g\u00e9rer. Ils jonglent avec d\u2019autres r\u00f4les. C\u2019est physiquement et \u00e9motionnellement \u00e9prouvant. \u00bb<\/p>\n\n\n\n

Le fardeau financier des aidants naturels non r\u00e9mun\u00e9r\u00e9s peut comprendre des pertes de salaire ou des possibilit\u00e9s de carri\u00e8re manqu\u00e9es.<\/p>\n\n\n\n

\n

Planifiez bien pour bien vieillir<\/strong><\/h4>\n\n\n\n

Explorez des strat\u00e9gies, des id\u00e9es et des ressources pour vous aider \u00e0 planifier, et \u00e0 profiter, d\u2019une vie longue et saine.<\/p>\n\n\n\n

\nEN SAVOIR PLUS<\/a>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n

3. Le co\u00fbt des r\u00e9novations pour vieillir \u00e0 la maison<\/h2>\n\n\n\n

La plupart des retrait\u00e9s ont pour objectif de vieillir \u00e0 la maison. Selon un sondage du National Institute on Ageing et de TELUS Sant\u00e9, pr\u00e8s de 100 % des Canadiens \u00e2g\u00e9s de 65 ans et plus esp\u00e8rent vivre de fa\u00e7on autonome dans leur maison aussi longtemps que possible.<\/p>\n\n\n\n

\u00ab Chez nous, c\u2019est l\u00e0 que nous voulons tous \u00eatre \u00bb, explique Audrey Miller.<\/p>\n\n\n\n

Le co\u00fbt moyen d\u2019un r\u00e9am\u00e9nagement de base permettant de vieillir \u00e0 domicile et comprenant des accessoires de s\u00e9curit\u00e9 pour la salle de bains et un fauteuil monte-escalier peut aller de quelques centaines de dollars \u00e0 plus de 25\u2009000 $.<\/p>\n\n\n\n

Une r\u00e9novation pourrait int\u00e9grer des \u00e9l\u00e9ments de conception universelle, ce qui rendrait l\u2019espace s\u00e9curitaire et accessible \u00e0 tous, peu importe l\u2019\u00e2ge, la capacit\u00e9 ou d\u2019autres facteurs, afin de tenir compte des changements futurs en mati\u00e8re de sant\u00e9. Il peut s\u2019agir, par exemple, de cabines de douche sans rebord dans la salle de bains ou de murs renforc\u00e9s pour les barres d\u2019appui.<\/p>\n\n\n\n

Lorsque les d\u00e9penses s\u2019accumulent, une r\u00e9novation peut s\u2019av\u00e9rer difficile \u00e0 r\u00e9aliser. \u00ab Demandez-vous, \u201cEst-ce possible pour moi de rester ici ?\u201d \u00bb, conseille Audrey Miller.<\/p>\n\n\n\n

4. Le co\u00fbt des soins en \u00e9tablissement priv\u00e9<\/h2>\n\n\n\n

La trag\u00e9die des maisons de soins infirmiers du Canada pendant la pand\u00e9mie de COVID-19 a mis en lumi\u00e8re les in\u00e9galit\u00e9s dans notre syst\u00e8me de soins en \u00e9tablissement.<\/p>\n\n\n\n

\u00ab Cela soul\u00e8ve la question du type de soins que vous envisagez de vous offrir et de l\u2019accessibilit\u00e9 financi\u00e8re. Certaines personnes vivent dans des r\u00e9sidences pour personnes \u00e2g\u00e9es luxueuses, mais elles paient le prix fort. D\u2019autres sont dans des maisons de soins de longue dur\u00e9e financ\u00e9s par la province. Elles sont beaucoup plus abordables, mais les soins sont diff\u00e9rents \u00bb, d\u00e9clare Howard Kabot.<\/p>\n\n\n\n

Audrey Miller explique que le co\u00fbt des soins en \u00e9tablissement priv\u00e9 peut varier de 2\u2009500 $ \u00e0 plus de 10\u2009000 $ par mois, selon l\u2019emplacement et le niveau de soins de sant\u00e9 ou de service d\u2019assistance visant l\u2019autonomie requis.<\/p>\n\n\n\n

Les r\u00e9sidences priv\u00e9es pour personnes \u00e2g\u00e9es varient des copropri\u00e9t\u00e9s de luxe avec un service et des commodit\u00e9s haut de gamme aux \u00e9tablissements pour personnes \u00e2g\u00e9es plus modestes. La plupart d\u2019entre elles offrent l\u2019acc\u00e8s \u00e0 des soins infirmiers et \u00e0 des soins personnels 24 heures sur 24, pay\u00e9s au besoin, ou \u00e0 des soins sp\u00e9cialis\u00e9s li\u00e9s \u00e0 la d\u00e9mence.<\/p>\n\n\n\n

5. Le co\u00fbt d\u2019une vie plus longue (statistiquement parlant)<\/h2>\n\n\n\n

Le nombre de Canadiens qui vivent jusqu\u2019\u00e0 l\u2019\u00e2ge de 100 ans et plus a atteint un sommet record en 2021, et la cause n\u2019est pas seulement l\u2019accroissement de la population. En 1971, 5 Canadiens sur 100\u2009000 avaient 100 ans ou plus ; en 2021, cette proportion est pass\u00e9e \u00e0 26 sur 100\u2009000, selon Statistique Canada <\/a><\/span>.<\/p>\n\n\n\n

Vos plans financiers et votre portefeuille de placements devraient, id\u00e9alement, r\u00e9pondre \u00e0 vos besoins pendant toute votre vie.<\/p>\n\n\n\n

\u00ab Nous \u00e9laborons g\u00e9n\u00e9ralement les plans jusqu\u2019\u00e0 l\u2019\u00e2ge de 95 ans. Avant, l\u2019esp\u00e9rance de vie \u00e9tait de 90 ans ; mais, en g\u00e9n\u00e9ral, nos clients vivent plus longtemps. Ils sont en meilleure sant\u00e9 et prennent mieux soin d\u2019eux-m\u00eames, d\u00e9clare Howard Kabot.<\/p>\n\n\n\n

Cela signifie \u00e9videmment que vous devez avoir les actifs n\u00e9cessaires pour y arriver, et les revenus pour couvrir les co\u00fbts des soins. Mais c\u2019est l\u00e0 tout l\u2019int\u00e9r\u00eat de la planification. Si l\u2019on pr\u00e9voit un manque \u00e0 gagner, il est maintenant temps de comprendre ce qu\u2019il faudra faire pour atteindre cet objectif \u00bb.<\/p>\n","protected":false},"excerpt":{"rendered":"

Lors de la planification de votre retraite, assurez-vous de comptabiliser ces co\u00fbts de soins de sant\u00e9.<\/p>\n","protected":false},"author":0,"featured_media":1270,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[523],"tags":[184,176,178,185,179,181,183,177,140,180,182,69,114,767,120],"rbcwm_content_owner":[],"rbcwm_need":[547,552],"rbcwm_segment":[538],"rbcwm_solution":[550],"rbcwm_topic":[544],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-1268","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances-familiales","tag-dividends","tag-equities","tag-financial-plan","tag-health-care-directive","tag-healthcare-costs-in-canada","tag-independent-living","tag-interest-payments","tag-investment-portfolio","tag-long-term-care","tag-personal-support-worker","tag-residential-care","tag-retirement-planning","tag-return-of-capital","tag-securite-financiere","tag-services-aux-aines","rbcwm_need-preservation","rbcwm_need-vivre","rbcwm_segment-particuliers-et-familles","rbcwm_solution-planification-de-patrimoine","rbcwm_topic-sante-et-bien-etre"],"acf":{"rbcwm_subtitle":"Lors 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