【お金の話】介護意欲はあるのにお金がない！
育ててもらったのだから、親の介護をするのは子供の当然？
確かに、そう考える人も少ないないと思います。
どんなに思いがあっても経済的な事情を抱えては、介護を前向きにとらえる事は難しいのではないでしょうか？
そんな方が、介護に対する見通しをつけられる事で少しでも介護に対する不安や負担の軽減に繋がればよいと思います。
目次
介護に必要な資金ってどんなものがあるの？
・介護サービスの利用（デイサービスなど通所型から訪問介護など訪問型まで）
・オムツ（65歳まではいかなる場合も補助はでません。）
・福祉用具のレンタル、もしくは購入（ベッド、手すり、シルバーカー、シャワーチェアーなど）
・場合によっては
住宅改修（バリアフリーにするための工事など）
病院受診料
このようなものがあり、介護サービスは収入に応じて1～2割負担となっています。介護量により差がありますが、介護に必要な1か月の平均金額は一般的に約4～8万円と言われています。
これに加えて、
・食費などが追加されます。
インターネット上では介護資金のシミュレーションが出来るものもあります。
介護にあてられる資金にはどんなものがあるの？
1)要介護者の貯蓄
不労所得一番の理想は要介護者自身がしっかり貯蓄してくれていたり、不動産による家賃収入などの不労所得や売却可能な資産などがあれば、そこから介護費用は捻出出来ます。
2)生命保険による介護保険
今の時代、生命保険会社の介護保険もあります。
介護が必要になること見越して早めに加入するのも一つの手段だとは思いますが、介護が始まる時期は自分で決められる訳ではないのでタイミングを図るのが難しいです。
下記のリンクは大手の保険会社による保険です。
3)年金
・国民年金
厚生労働省の「厚生年金・国民年金事業の概況」から
国民年金受給の月平均は56,049円とされています。
ちょうど中間値というデータのようです。
年齢によっても、年金受け取りの月平均額は異なり、1ヶ月約4～6万となっています。
実際受け取っている方は1ヶ月4～6万円の方が多いようです。
・厚生年金
厚生労働省の「厚生年金・国民年金事業の概況」から
厚生年金受給の月平均は144,268円とされてます。
実際に受け取っている方は1ヶ月10～16万円の方が多いようです。
年金は希望することで60歳から繰り上げ受給が可能です。
しかし、繰り上げにより年金減額となり、その減額率は一生変わりません。
繰り上げをされる際はしっかりと理解し、納得された上で繰り上げてください。
・障害年金
障害年金とは病気や怪我により仕事や生活に制限をきたすようになった場合に受け取る事の出来る年金です。
障害年金と聞くと身体障碍者や発達障害者、精神疾患者が受け取ると思いがちですが、加齢に伴う特定疾患等でも、程度によってはもらえる事があります。
医師の診断が必要になります。
年金給付の年齢に至っていなくても受給出来る可能性がありますので、受給資格や方法等確認しまずは相談してみましょう。
これは、障害の程度により受給額が変動するので平均をお伝えすることは難しいですが、1ヶ月7万～15万程度になりそうです。
その他、介護で受けることの出来るサービス
1）介護保険制度
65歳以上で介護が必要な方が受けることの出来る保険制度で1～3割り負担で介護サービスを受ける事が出来ます。
また、45歳から加齢に伴う特定疾患が原因で介護が始まった場合も同様に介護サービスを受ける事が出来ます。
2）障害者手帳の交付
特定疾患での介護介入になれば障害者手帳の交付を受けれる可能性があります。
障害年金を交付することで医療費の軽減や公共機関等の各種運賃や通行料の割引などのサービスを受ける事が出来ます。
まとめ
介護に対する収支のイメージはつきましたでしょうか。
親の介護にかかる費用は介護度によってさまざまです。
そして介護が始まっても状況は日々変化していきます。
その時々で見直しながら、親の状態にあった介護提供が出来るよう制度を上手に活用していきましょう。
「今後の生活環境が変わる事への不安」や「介護を使って生活をどうデザインをしていったら良いか」など介護は協力体制で成り立っております。 ちょっとでも解決できる、ストレス軽減できる記事を目指し、一つの相談場所のメディアを目指しております。
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