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The so-called "Chinese-style pension" refers to the pension model that the elderly over 60 years old can choose based on China's economic level, basic national conditions, and traditional culture. Nowadays, the Chinese-style pension road of growing old before getting rich is summarized as several modes such as raising children and preventing old age, pension pension, housing pension, and financial pension. The elderly in China need to meet the following points to enjoy their old age:
Having a healthy body, having sufficient money reserves, having a suitable place for the elderly, having family members, and having someone to take care of when you are sick, etc., let's take a look at which pension model is most suitable for your own situation. Analysis of the current situation of raising children to prevent old age: "civil servants' sons beat their fathers" and "I treat my son as a grandson" and other reports have repeatedly appeared in the newspapers today, which greatly challenges the traditional concept of "raising children to prevent old age".
Nowadays, "gnawing the old" has become an extremely common social phenomenon. Many young people are like ants, emptying their parents' assets little by little. Not long ago, a ** that slept with his old father in his arms and praised the filial piety of the subway went viral on the Internet, touching countless netizens.
When the financial situation of children is not good, it is difficult for many parents to have a rich and happy old age. Analysis of the current situation of housing pension: the so-called housing pension, the most familiar form is housing reverse mortgage, that is, "reverse mortgage".
That is, the owner of the house mortgages the house to financial institutions such as banks and insurance companies, and the latter regularly distributes fixed funds to the homeowner after a comprehensive assessment. After the death of the owner, the income of the property** is used to repay the principal and interest of the loan, and the appreciated part of the property belongs to the mortgagee.
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There are basically three ways for Chinese to provide for the elderly.
The first is definitely the traditional concept of the Chinese pension method, that is, the pension of children.
Generally, the elderly live in their children's homes, and the children usually take care of the elderly's daily life.
The second is home care, which means that the elderly are at home and find caregivers to take care of the elderly.
The third type of nursing home care, which is now preferred by many elderly people.
Because of the nursing home, the environment is good, there are many activities, and there are many friends, such as Shanghai Riyuexing Nursing Home, there are many activities such as painting, reading, calligraphy and other activities every day, and the old people like it very much, and their lives are also very fulfilling.
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Introduction: There are a lot of elderly people now, and whether it is in the city or in the countryside, it has become a problem of great concern to the society. Therefore, it is necessary to mobilize all resources to solve this social issue, so what are the main ways to provide for the elderly in our country?
Because of the influence of China's traditional culture and the concept of a big family, most of the elderly rely on their children to support them. If the family is relatively large, some old people may go to live in their children's homes, and then the old people will be supported by their children at this time. In some cases, the elderly live by themselves, but their children will come to visit them regularly, or to support some finances, which is also considered to be child support.
In most cases, this is done, because if the children do not support the elderly, it is equivalent to the children being unfilial, and they will definitely be blamed. And there are many elderly people who will help their children to do some work during this time, so this is also a good way to provide for the elderly.
However, with the development of the times, some pension institutions have been implemented, and some elderly people have no children because of some unexpected circumstances. And sometimes it is inconvenient for children to take care of the elderly, so they will put the elderly in nursing homes, which is more common in the case of some only children. The elderly are cared for by specialized nursing in nursing institutions, and they are also surrounded by their peers.
However, the quality of pension institutions is uneven, some pension institutions are very high-end, and some pension institutions are worrying.
Although the elderly may feel that it is better to be supported by their own children, it is true that some children are unwilling to support the elderly. There are also some elderly people who do not have children to support, at this time we must establish a variety of pension mechanisms, and strengthen supervision, so that the old can be supported.
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Pension is something that everyone will pay attention to, because everyone will eventually have the day when they will be old, and when they are old, whether to go to a nursing home or let their children care for the elderly, it seems that the only two choices for the elderly! In China, the main ways to provide for the elderly are nursing homes, children's pension or housing pension! In the final analysis, it is necessary to have money in hand and filial piety to children, otherwise when you reach old age, the end will be quite miserable!
When you are young, make more money, pay all the pension and medical insurance, and wait until you have paid for fifteen years, and when you are old, there is basically no problem with pension! After all, after retirement, you can receive a pension, which can basically meet the daily needs of the elderly! With a pension, the burden on children will be much smaller!
With a pension, coupled with the subsidy and filial piety of children, the life of the elderly will be worry-free, quite comfortable. Of course, if there is no pension, the children have filial piety and responsibility, and donate a part of the money to the elderly every month for daily use, and there is no problem in providing for the elderly.
Respect the old and love the young. Respecting the old and loving the young is the traditional virtue of our Chinese nation, so there is no problem for most of the elderly in our country! Most people, when they are young, will work hard to make money and raise their children well, in order to have a good life for their children and rely on them when they are old! Looking at the people and things around them, there is no problem with caring for most of the elderly, the children are filial, and the living conditions are guaranteed, so that the life of the elderly is very nourishing!
It is already the norm for most elderly people to go to the park during the day and square dance at night! This situation shows that the elderly are not worried about pension at all!
Many people in nursing homes think that sending the elderly to nursing homes is unfilial, but in fact, it is not! Now the conditions of the nursing home have improved greatly! Many people take the initiative to go to a nursing home!
Because there are many elderly people in the nursing home, everyone can eat and drink together, play the piano, sing and dance together, and life will be quite fulfilling.
In our country, the main way of old-age care, in general, is the children's pension and nursing home pension, no matter what kind of pension, now the happiness index is very high!
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In China, the current pension methods show a diversified trend, the main ways are raising children to prevent old age, buying a house for the elderly, social security for the elderly, community pension and mutual pension.
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There are three main ways to provide for the elderly. The first is to rely on children to support the elderly, these elderly people are still living a relatively good life, and they can be taken care of by their children. The second type is living alone, these elderly people who live alone are not particularly good, very lonely, and no one takes care of them.
The third way is to go to a nursing home for the elderly, and now there are many elderly people who choose this way of providing for the elderly. It is necessary to choose different pension methods according to different situations.
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The way to provide for the elderly is to go to a nursing home for the elderly, you can stay in the hospital for the elderly, you can find a professional to take care of yourself, you can care for the elderly in the nursing institution, you can care for the elderly at home, you can rely on your own pension for the elderly, and let your children take care of their own pension, these are common ways to provide for the elderly.
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Nursing at home, nursing home. Retire with other elderly people. Pension in the form of child support. Living alone for the elderly.
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1. If the elderly are in good health and have better economic conditions, they can take the way of home care without relying on their children. In the past, the three generations and the fourth generations lived in the same house, but in real life, it is very rare, and most of the children and daughters now live independently of the elderly.
2. If the health is not good, but the economy can afford it, the elderly can go to various pension institutions for the elderly. The sail hall model and the elderly can live in a variety of suitable pension institutions according to their own economic situation: apartments for the elderly, nursing homes, nursing homes, etc., that is, the same pension institutions are also divided into many grades, such as good economic conditions can choose a single room, poor physical condition, can ask for special care.
3. Children are filial, but the economic conditions are average, and they can choose to live and live with their children. It can also be divided into stoves, and the independent activity space of the elderly can be maintained. You can also choose to eat together, but live separately.
Whether such an elderly person can share the worries of his children and take care of his grandchildren depends on the health of the elderly, and he should not be exempt from difficulties.
4. In principle, the elderly should go to a nursing home for the elderly. However, there are exceptions, if you are in good health, have good economic conditions, and have the ability to live independently, you can consider home care. However, it is necessary to pay attention to frequent physical examinations to prevent sudden illnesses or other accidents.
This kind of pension method for the elderly has certain risks, and it is best to link it with neighbors to resolve this kind of risk to a certain extent.
5. If the children are not filial, no matter what the health status of the elderly is, and no matter what the economic conditions of the elderly are, such elderly people should prepare for the elderly in advance, so that they can know in their hearts and advance and retreat.
1. For the elderly or the elderly in poor physical condition, because the demand for medical care is high and the dependence on medical staff is strong, it is no longer possible to meet the needs of both home and sojourn, and the most suitable is to live in a nursing home or nursing home that combines medical care and nursing. Realistically speaking, if the elimination is not affected by the traditional concept, for the poor physical condition, especially the disabled or semi-disabled elderly, it is a good thing for the elderly and children to live in a professional nursing home or nursing home and enjoy professional medical and nursing services. Because at home, whether it is hardware equipment or professional nursing level, it is far from being comparable with professional elderly care institutions.
Second, about community home-based care, this is the most suitable way for us to slow down the traditional family care. The elderly still live at home, and the community comprehensive elderly care service center provides first-aid, medical, housekeeping, living and other services for the elderly according to their needs, so as to help the elderly solve a package of problems encountered in life. If the health of the elderly is poor, the community integrated service center also provides beds and 24-hour nursing services for the elderly to live in for a long or short period of time, and provide intimate services for the elderly.
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There are three main models of care for the elderly in China, including family care, community home care and institutional care. Family pension is a pension model that is a trembling lead faction; Nursing home care is a socialized care model; Community-based home-based care is a model of care that takes into account both family and society.
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Legal analysis: institutional pension, home pension, home-based community pension, rural pension, housing pension, remote pension, sale and hospital pension, sale and leaseback, rental pension, base pension, tourism pension, large house for small house, shared pension, centralized pension, home sale pension, part-time care for the elderly, bequest support, rental pension, small family pension, monetized pension, consumption of the elderly, etc., of course, with the development of society, the model of pension is also innovating, For example, health care, community pension, rural social mutual pension, etc.
Legal basis: Social Insurance Law of the People's Republic of China
Article 11 The foundation of Changben endowment insurance implements a combination of social co-ordination and personal accounts. The basic endowment insurance is composed of employer and individual contributions, as well as subsidies.
Article 12 The employer shall pay the basic endowment insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be credited to the basic endowment insurance pool. Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts. Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively.
Article 13 Before the employees of state-owned enterprises and public institutions participate in the basic endowment insurance, the endowment insurance premiums that should be paid during the period of payment shall be borne by the first. When the basic endowment insurance is insufficient, it will be subsidized.
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In China, there are mainly the following ways to provide for the elderly:
1.Nursing homes: The elderly can choose to live in a professional nursing home for the elderly and enjoy a full range of care and services.
2.Community-based care: Seniors can care for the elderly at home in the community, which provides a variety of convenient services, such as housekeeping services, social activities, etc.
3.Home Ageing: Seniors can choose to live at home, take care of themselves or use services such as home care to stay healthy and independent.
4.Self-help pension: The elderly can solve the problem of pension through their own savings, investment, and supporting their children.
5.Family care for the elderly: The elderly can rely on their children to take care of their own lives and support each other.
In addition, it also offers a range of public welfare programs and long-term care services to support the needs of the elderly.
The main content of maintenance and support refers to the fact that, under the existing economic and social conditions, children should financially provide their parents with necessary daily necessities and expenses, and should respect, care and care for their parents in life, spiritually and emotionally. Adult children who can afford it, regardless of gender, married or unmarried, shall make every effort in accordance with the law to fulfil this obligation until the death of their parents when their parents need support. The obligation of a child to support his or her parents occurs not only between a legitimate child and his or her parents, but also between an illegitimate child and his or her biological parents, between an adopted child and his or her adoptive parents, and between a stepchild and a stepparent who has fulfilled the obligation of support and education. >>>More
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