How can the elderly who have no children or have lost their children protect their pension?

The issue of pension for the elderly has always been a very important social issue.

Even if many elderly people obviously have children, but there is still no one to support them, so for those who have no children or have lost their children, how to protect their pension? I have summarized the following points just for reference:

As long as you keep paying and have paid enough years, you can receive a pension every month when you reach the legal age.

Although the money is not very large, it is still no problem to maintain the most basic life.

2. You can buy a commercial insurance for yourself.

Although many people feel that buying insurance is unreliable, don't underestimate an insurance at a critical moment.

It has a big effect. There are many types of insurance, among which is endowment insurance.

Choose a payment method that you can accept, and after a long period of payment, you can also get a guarantee every month, which is very useful for the elderly without children.

3. Go to a nursing home.

Although many people think that nursing homes are not good, not everyone can go to nursing homes. If you have a lot of money and have no children to take care of when you are old, you can choose to go to a nursing home, or pay a nanny to take care of yourself, which is very wrong. As the saying goes, money can make it too much, as long as you have enough money in your hand, then even if you don't have children, pension is definitely not a big problem, after all, things that can be solved with money are not called problems.

4. You can also carry out agreement pension, that is, find an heir for yourself. Although he does not have a child of his own, he can find someone else to replace his child. The elderly can sign an agreement with the community or the neighborhood committee to leave all their property to the child they choose, as long as the child is responsible for their own pension, then when they leave this world, all the money will belong to the other party, which is also a way to provide for the elderly.

When you are young, save more money and pay pensions, pensions, pensions, etc. for a long time. When you are old, you can ask someone to take care of you or spend money to live in a better nursing home to protect your pension problems.

When you are young, you need to buy some insurance, so that you don't have to worry about the cost of seeing a doctor when you are old, and secondly, you can go to a nursing home to live

The state will give a lot of support so that the basic life of the elderly can be guaranteed. All these show that the country's economic development is getting better and better, and people's lives are more secure.

First of all, you should save as much money as possible, buy the corresponding pension insurance, you can choose a better nursing home, and if you have enough funds, you should find a private doctor for yourself.

For these people in rural areas, they should go to nursing homes, and the nursing homes in townships and towns do not charge money for the five guarantee households, and the facilities may not be very good, at least they are well fed, and some people still know what kind of illness they have and accidents.

Now every place has a policy of living allowance for the elderly living alone, which can be received regularly; You can also live in a nursing home and let professional staff take care of your diet and daily life.

Find a better nursing home, pay attention to be more formal, don't be deceived, and then put your money in a more formal bank for safekeeping.

When encountering this kind of situation, you can ask for help from the ** department and apply for a certain amount of subsidies and guarantees to solve your pension problems.

When you have the ability to work, the employer will buy social security, and freelancers can buy social security on their own to save more money.

Implement the issue of social security, if there is no social security in rural areas, it is best to buy some commercial insurance.

Such elderly people can go to nursing homes, and everyone is very lively, and they can find their real fun and hobbies in nursing homes.

Childless seniors can be aged in the following ways:

1. You can buy a social security, when you have the ability to work and have the economy, you can spend money to buy a social insurance, as long as you keep paying it, pay enough years, and wait until you reach the legal age, you can receive a pension every month, although the money is not particularly much, but it is no problem to maintain the most basic life;

2. You can buy a commercial insurance, there are many types of insurance, including endowment insurance, after long-term payment, you can get a guarantee every month, which is very useful for the elderly without children;

3. Go to a nursing home for the elderly or hire someone to take care of yourself;

4. The elderly can also sign an agreement with the community or the neighborhood committee to leave all their property to the child they choose, as long as the child is responsible for their own pension.

Social pension services (or pension social services) are to provide help services to the elderly from a social perspective in view of the weakening of family pension functions and the increase of elderly and empty nesters in China. It is a variety of services needed for the elderly by social forces, social organizations, enterprises, volunteers and other social forces. Social pension services can be divided into two categories: basic pension services (welfare pension services) and non-profit pension services.

Non-basic pension services are enjoyable services with a certain happiness index required by the elderly. In the life of the elderly, social pension services and family pension services are interconnected, interdependent, complementary and mutually promoting, and jointly support the quality of life of the elderly.

Law of the People's Republic of China on the Protection of the Rights and Interests of the Elderly

Article 31: The State shall provide basic living, medical treatment, housing, or other assistance to the elderly who are in financial difficulty.

Where the elderly are unable to work, have no livelihood, no supporters and supporters, or their supporters and supporters truly lack the ability to support or support, the local people at all levels shall provide support or assistance in accordance with relevant provisions.

For the elderly who have no means of living, such as vagranting and begging, abandonment, etc., the local people at all levels shall provide assistance in accordance with relevant provisions.

At present, there are three main types of pension, social pension, personal savings, and commercial pension. None of these three approaches are perfect, and each has its own pros and cons. We can't just give up just because we see its shortcomings.

For example, commercial pension, the advantage is that the terms and benefits are very clear, the disadvantage is that the payment amount is high, and no one knows whether the money is enough for the pension in the future. The social pension is a security system, and the amount of payment will refer to the average social wage, which can resist inflation.

It is worth noting that social endowment insurance does not need to be a painstaking choice, but commercial endowment insurance is different. Buying an endowment insurance for yourself is not only to reduce the burden of the next generation, but also to make a rainy day for your old age.

Therefore, the problem of pension can not be solved by relying on a single way, and the pension needs a combination of social pension, personal savings and commercial pension. If you don't have children, you will be rich and difficult to support your old age, and there will be no response to even a ** when you die. The one-child policy is one of China's most failed policies, and hundreds of years later, it will surely be condemned by historians for its sins.

I searched for the relevant information, and it should be acceptable, but there must be a guarantor. In other words, for nursing homes, childless seniors must provide the same existence as their children, so that they are willing and able to accept childless seniors.

The reason behind this is explained very clearly by this news. It is mainly based on economic, responsibility, power and other considerations.

Personally, I think it's very simple, the old man is old, but he is actually the same as a young child. It's like a parentless toddler, can the kindergarten take them to school? That's fine, but you'll have to find a guardian.

Something happened, I had to pay the money, I had to sign a contract, I had to decide how to arrange the ** plan for the operation, etc., who would sign it, and so on.

Someone needs to sign it.

How to provide for the elderly without children.

In real life, you can always see a few old people who have no children and no daughters, whether it is because they did not have children when they were young, or because the children left them before them, in short, after their old age, most of them live alone. When they were young, they were high-spirited, and the bleakness and loneliness of their later life could not help but make us feel embarrassed. So how to provide for the elderly without children?

How to provide for the elderly without children.

1. Buy social security. One of the ways to provide for the elderly without children is to buy social security. Everyone knows that social security covers endowment insurance, when you are young, spend money to pay social insurance for yourself, as long as you pay enough years, when you are old, you can receive a pension, and you can maintain your basic life.

2. Buy commercial insurance. The second way to provide for the elderly without children is to buy commercial insurance. If you don't want to buy social security, you can also choose to buy commercial insurance, commercial insurance has insurance for the purpose of pension, it is recommended that you choose the right type of insurance in time, choose the right payment method, rely on the usual accumulation, give yourself a little protection for your old life, it is also a good choice.

3. Housing for the elderly. The third way to provide for the elderly without children is to provide for the elderly with housing. That is, to take the method of mortgaging your house to a financial institution to obtain a pension, you can mortgage it to a bank, or you can mortgage it to a special pension institution, and the two parties sign a pension agreement to agree on the pension issue.

4. Home care. One of the ways to care for the elderly without children is home care. Nowadays, many communities or village committees will set up some day care centers in order to take care of the elderly, which can provide a full range of elderly care services for the elderly, or only provide day care services, which is not only convenient for the elderly, but also convenient for the management of the community or neighborhood committee, and also ensures the old life of the elderly.

5. Go to a nursing home. The fifth way to care for the elderly without children is to go to a nursing home. As long as you have money on hand, as long as you have the strength to enter a nursing home, you can choose to choose a suitable nursing home to care for the elderly when you are old.

6. Agreement pension. The sixth way to provide for the elderly without children is to provide for the elderly by agreement. That is, the elderly without children can sign some agreements with their relatives or the community or neighborhood committee, agreeing that they can leave the inheritance to the other party after a hundred years, but the other party must fulfill the obligation to provide for the elderly.

All of the above is based on the assumption that you don't have children, even if such a pension plan is not bad in the eyes of others, but if you really don't have children, I think no matter how carefully you plan, it is difficult to make the elderly really happy.

"Housing pension" is a common pension model in western developed countries, which refers to a pension method in which the elderly mortgage or rent out their property rights to obtain a certain amount of pension or accept apartment services for the elderly on a regular basis. In the practice of housing pension with different characteristics in different countries, reverse mortgage loan (referred to as "reverse mortgage") is the most popular and widely used. Reverse mortgages originated in the Netherlands, and the general arrangement is:

Young people buy the homes of older people and allow them to rent them free of charge for the rest of their lives and take it back after the death of the elderly. Examples are as follows: Singapore can have a one-time mortgage Seniors over 60 years old can apply for a mortgage to a public welfare institution or financial institution with a first-class background, and these institutions will pay their pension in a lump sum or in installments As a non-welfare country, Singapore** has always advocated self-reliance.

Parents are not encouraged to keep a home for their children, as there are plans in place for young people to buy their own homes. In Singapore, where the rate of home ownership is high, housing for the elderly is a common model. In Singapore, seniors over the age of 55 are known as senior citizens.

These seniors can live on a pension from their CPF account or rent out their property for retirement. For some elderly people who live with a large housing area and do not have adult children living with them, they are encouraged to exchange a large house for a small house, and use the net income from the house exchange for daily expenses for the elderly, or buy guaranteed investment products. Singapore** also offers a type of senior apartment for seniors who live alone or with only their spouses, which are usually around 40 square meters in size and can be purchased for only S$50,000 or 60,000.

The Golden Jasmine Apartment for the Elderly in Bishan Community is a model for solving the elderly living in Singapore's elderly care service system. The apartment building is built by **, with a total of 176 small-area apartments, which are sold at a low price to eligible seniors over 55 years of age. The tenure of this type of apartment is generally 30 years and can be extended but cannot be transferred or inherited.

Nowadays, there are many people who believe in singleness, or who are admiring the Dinks, who are carefree and will not bother with the tedious tasks of raising children. Thinking about it this way, the life of being unfettered and unfettered is really enviable. In addition, raising children may not be able to prevent old age without worry, and the "giant baby" that reaches out and gnaws at the old exists in various eras.

If you encounter this kind of gnawing old "giant baby", it is not only a loss-making deal, but also may end up a thankless end. This has led to a new pension option, nursing home care. The characteristics of ease and convenience have always been the highlight of nursing homes to promote the elderly.

Moreover, in today's nursing homes, all aspects of hardware supporting facilities are becoming more and more perfect. But is it really that good to provide for the elderly without children?

Although the view of raising children to prevent old age has changed compared with previous years, pension is always a problem that each of us must face when we are old.

The news often depicts elderly people who have been treated unfairly in nursing homes, or who have been unhappy in some way. In this case, those who have children can help defend their rights and even complain, while the elderly without children are struggling. Because when people are old, they are vulnerable groups, and if they are old enough to lose their minds, they are no different from the fish and meat scattered on the chopping board, especially if there are no children to deal with the aftermath, this situation will be more likely.

Even if you have money, but money is only a guarantee, no one can imagine what human nature is like.

In the future, the pension community system may be more perfect, the service facilities will be more humane, the state may introduce relevant policies and regulations, and there will even be a problem of family living together, so that you can often meet your children and rely on the pension power of the nursing home. But there are unavoidable risks in either option. The use of a variety of pension methods together will allow us to have income and happiness for the elderly.