2. The statutory retirement insurance for the elderly in the United States is compulsory, contributory and welfare. Retirement and medical insurance funds have normal sources and can be self-regulated. The income and expenditure of its pension is determined according to the principle of pay-as-you-go and balance of payments. According to the forecast of population aging and the need of retirement expenses, the insurance tax rate is constantly adjusted to achieve the purpose of self-circulation and normal operation.
3. Develop voluntary endowment insurance operated by insurance companies, absorb idle funds to enhance economic strength and prepare for the aging population. In addition to life insurance, property insurance and death insurance, some life insurance companies in the United States also vigorously operate private endowment insurance with the nature of collective and individual voluntary insurance as a supplement to statutory retirement insurance.
4, in the United States, or family pension. Only 20% actually enter institutional nursing homes, and the rest are family-based pensions. Many elderly Americans take their pensions to countries and regions with beautiful scenery and suitable for providing for the aged. For example, American retirees go to Florida, Hawaii and Mexico to buy houses for a long time and spend their old age safely.
In some parts of the United States, "housing for the elderly" has been considered by many Americans as the most effective way to provide for the elderly. The United States is the originator of the "housing for the elderly" model. Many elderly Americans bought houses for their retirement about 10 years before retirement, and then rented out the surplus to young people for use, using the rent paid by young people to maintain their retirement life.
Extended data:
The American social security system comprehensively introduces and studies the development of the basic security policy and social welfare policy of the American social security system from four aspects: public social security, enterprise social security, commercial social insurance and charity, and outlines the whole picture of the contemporary American social security system for China readers for the first time.
The main features of American social security system:
First of all, it is an objective and comprehensive introduction to the American social security system.
Second, the information is authoritative and novel, and all policies and data come from the US government and legislature.
Third, it is the combination of academic and practical. At the same time, it summarizes the policy practice of American social security system, and provides contrast and convenience for readers to further study through appendices, glossaries and references.
References:
Baidu Encyclopedia-American Social Security System
References:
Baidu encyclopedia-pension industry