Is the voluntary combination of family pension methods good?

1. "Cohabitation pension".

"Cohabitation pension" is a new model of old-age care quietly emerged, some elderly people after the death of their wives, children have no time to take care of them because of work, and are not used to nursing home life, so some elderly people voluntarily combine together because of like-minded interests, and live a "cohabitation" life in their later years. The ideal pension is to solve the problem of three levels: the old have support, the old have fun, and the old have something to do.

From this point of view, the model of "cohabitation pension" not only better solves the problem of providing for the elderly, but also is more targeted to the problem of having fun for the elderly. The elderly are most afraid of loneliness, especially the elderly whose children are not around, and "cohabitation pension" is obviously a good medicine to expel loneliness.

cohabitation for the elderly".

In China, with the continuous improvement of the aging of the population, how to realize the old people have support, enjoy the old and do something for the old has become an urgent problem for China to solve. Statistics from the Ministry of Civil Affairs show that by the end of 2014, there were about 100 million people over the age of 60 in China, of whom 15 were over 80 years old and 15 were disabled or semi-disabled.

The China Social Welfare Association has done a special survey on China's pension model, and Miao Ruilan, deputy secretary-general of the society, pointed out that the proportion of the elderly over 65 years old in the total population in developed countries has increased from 7 to 14 Most of them took more than 45 years, while China only needs 27 years to complete this process.

What worries the academic community even more is that although traditional Chinese culture advocates "filial piety" and family pension, the practical basis for the implementation of this "filial piety" is gradually weakening and shaking. The most prominent manifestation of this is the change in family structure, which has now changed to only one child, which means that the burden of pension for the younger generation will become very heavy. In addition, the acceleration of population mobility has led to the increasing phenomenon of intergenerational separation, and a significant number of elderly people in China have become empty nesters in their homes.

Voluntary combination of family pension, if the combination is good, is a better way to provide for the elderly.

The so-called voluntary means that the elderly themselves completely agree to be grouped together in the form of "grouping" for the elderly, so that they can enjoy their old age in a comfortable mood.

If the combination is the best combination, it will be better, that is, the combination usually cannot have too many people, three or four families are appropriate, and the most important thing is that everyone can talk about it, can live together, get along harmoniously, can help and take care of each other, and can cope with the usual life and take care of it well, with such a voluntary and combination, life will be good. For example, siblings' family combinations, girlfriend combinations, and so on.

It can be seen that although this pension method has many advantages and advantages, it must be better to do a good job of voluntary and combination.

Family pension is a good way, and family pension is the most basic and important way for the elderly in China. Since the reform and opening up, China's society has undergone transformation in many aspects, which is mainly reflected in the family: the miniaturization of the family structure, the increase in mobility, and the impact on traditional concepts.

This makes China's urban and rural families lack the ability to take care of their lives and weaken the function of old-age care, which has had a great impact on the traditional old-age model that mainly relies on families. From a macro point of view, the structure of China's imports is not optimistic, and now the retirement is delayed to 65. Our one-child policy and late marriage and childbearing policy have led to the fact that the parents are already very old and need to be taken care of when the only child is struggling.

When the only child is 60 years old, the elderly are basically over 75 years old. So the country should carry the big head at this time, I feel the crisis. If I have no one to rely on at that day, I will not be able to burden my children.

What to do? There should be a solution to this problem now, and you can't wait until then, can you?

My ideal way to provide for the elderly is a voluntary combination of family pensions

With a few like-minded friends with similar circumstances, buy a house in a community, accompany each other and take care of each other's retirement.

Friends must be trustworthy and have the same circumstances, so that they can entrust their own aftermath to help deal with their own affairs when they are not conscious and unable to take care of themselves.

The community should choose a place with an elegant environment, high quality people and perfect property management.

Do a good job of notarizing your own property, make a will, and hand it over to a third party to execute the will.

Of course, the premise of all this is to save as much money as possible, because the premise of all plans is to have money.

My personal opinion: the voluntary combination of family pension methods is not very good. Nor does it advocate promotion. There is no practical point.

1. The elderly. After many years of living habits, they have developed the habit of becoming one. Suddenly, I came into contact with other people again. Their habits are hard to change. It's also hard to get used to.

2. Then there are economic problems. It's also hard to solve. Because everyone's income is different. Some are more and some are less. Living together will always bring up troubles of one kind or another.

3. The elderly often take their children very seriously. Especially those with grandchildren. I always want to save my money for my children or grandchildren.

For a combination of pensions, everyone has to pay a certain fee. So they sometimes feel. Not cost-effective.

4. Due to the different living habits developed over the years. Natural diets are also different. Some like to eat light.

Some like to eat this, some like to eat that, all in all, it's hard to unify your mouth. Eventually leads to them as well. Group pension.

It became impractical. Shanghai took the lead in doing it a few years ago. Combined family pension.

But in the end, they all failed. So this approach. Not suitable for the current situation in our country.

In our country, with the increasing number of aging cities, the problem of old-age care is indeed a practical problem in front of the elderly, because most of the elderly who are over 70 years old are only children, and their children are in the critical moment of starting a business or raising children, raising their own children, so the problem of old-age care has been placed in front of every old man A practical problem, now there is a new type of method called voluntary combination of family pension methods, which of course can be tried, If you're surrounded by friends and colleagues, it's better. And there is usually too much contact, I feel that I do get along, form a small group of groups, and carry out self-help pension, this method is also very good, because someone must take care of each other when you are old, and you have a care for each other, solve some difficulties and burdens for your children, and also reduce some pressure on the society, this thing is indeed a good direction, and it should develop in this direction, but anyway, there are certain problems here, Because of whether everyone's temperament and the differences in old age can get together, whether they can live together, this is indeed a certain run-in to decide, if life is not together, this way is not only bad, but instead. Therefore, whether the way of self-help pension can be formed is also different from person to person, from place to place, can not be completely one-size-fits-all to fully implement this way, some people can accept this way, some elderly people can not accept this way, so it is necessary to decide which way to choose according to their actual situation and the surrounding situation, the current state still advocates this way, because it reduces the burden of children after all, and the elderly have no generation gap together, which is indeed an advantage in the pension, Therefore, which way to choose and whether you can settle down in your old age depends on how you understand these problems and according to your own situation.

What kind of pension method is most suitable for you, this is the most correct choice, you can't follow the trend of a swarm of bees, you must be cautious to do a good job in the second half of your life or the life of previous years, this is our ultimate goal.

He still has a biological son, it should not be the turn of a non-biological daughter to support him, and I don't study law, so I don't know if the non-biological daughter has an obligation to support, but if you have the ability, you should give some appropriate care.

Children have the obligation to support the elderly, and morally speaking, daughters should do their filial piety. Legally, it's better to consult a lawyer.

Morally speaking, whether it is a daughter or a son, it is appropriate to honor one's parents. Your situation is more complicated, combined family, even if the daughter wants to support the elderly, should there be a son share?

When your parents-in-law started a family, your wife was a minor, that is, a stepfather-daughter relationship with a dependency relationship.

Then, the stepdaughter is obliged to provide for the stepfather.

Similarly, the father-in-law's biological son also has to bear the burden of his father's pension.

It is the responsibility of young people to provide for the elderly, and it is not easy for the elderly to bring you up, and they have suffered a lot, please cherish it!

As long as there is a legal relationship, they have the responsibility to support their parents.

People always have to get old, even if it is a combined family, after all, he used to take care of your wife and should be repaid for his kindness! Pepsi filial piety comes first, why go to court in order to support the elderly? Do what you can! Don't you have a few hundred dollars a month?

It should be burdened, and it can be mediated through the judicial office.

It is better to find a professional lawyer for consultation.

It's good to give him some living expenses every month, doesn't he still have a son.

This situation is more complicated, and it is recommended to find a law firm to consult, which does not cost much.

Generally, the reason why the huddle is not completed is mainly that the way of choice is not suitable, and there are some emotional entanglements. Alerted the elderly. But there is one more important issue that cannot be ignored:

Even if the way of living is appropriate and not mixed with feelings, there will be problems, and the biggest problem is money.

It's not that there is money or not, but that in this group, everyone's perception of money and basic economic strength should be equal. Otherwise, this group will still be broken up by money. Although everyone said that they had paid for food, some people gradually became unbalanced, feeling that it was too expensive, and they couldn't use so much money to live at home.

There are also people who think that there are people in the group who have a lot of pensions, five or six thousand a month, but they only have more than two thousand, and if they want to eat well, they will do it themselves, and cooking three or four dishes a day is "cheap" Those who love to enjoy, they want to eat well, they should take more money.

Some people also start to worry, some people eat more, bring more, some people eat less, or they are sick this month, or they don't eat much here because of something at home, but why don't they refund the food expenses?

At the sister's house where everyone had dinner, we would buy two barrels of oil, some spices, and some cutlery every month. And every month we will allocate a little money to other people's gas bills, water and electricity bills. But some people were not happy, saying that those things were not used at all, and thought that the sister had taken advantage.

Later, it happened again, who was hospitalized, everyone shared the money to buy things, the stove and range hood in the kitchen were broken, everyone shared the money for things like that, some people didn't complain, and they didn't care about dozens of dollars. However, some people can't do it, not only complaining, but also instigating among everyone, causing a lot of unpleasantness.

In this way, the personnel changes are particularly large, and in June this year, it was completely abandoned. Still, two or three of us in the core still miss that way, but when we think of the arguments that happened over money, we feel awkward. In most cases, because of clothing, jewelry, hobbies, etc., everyone's consumption concept and strength are indeed different, and there will be people who are psychologically unbalanced.

Some people have even said that we should have a "group uniform" to save everyone from comparing, but that is not realistic.

In short, this team went from fewer people to more people, and then to fewer people, some people can still be friends, and some people don't communicate with each other later. Among them, the biggest problem is economic interests and comparison. If you always feel that you are unbalanced, it is really difficult to hold the group of pensioners.

Now that China has entered the elderly society, there are many ways and means of how to provide for the elderly, such as home care, nursing home care, housing pension, and so on. But which way to choose is first according to the wishes of the elderly, for example, the elderly in the family of a colleague of mine, they have many brothers and sisters, and have common hobbies such as playing mahjong, traveling, going to the park to exercise, etc., so they get together every day to eat, drink and have fun, and then exercise, every day the daily life is my colleague's wife is responsible for shopping, cooking, cleaning, so their retirement life of the elderly is very happy! Please adopt it.

It's a dream choice that's natural when conditions permit. Please note that the threshold is not low. Even so, my understanding is that although it is better than being alone at home, it is not reliable.

First, friends are bound to have an accident when they stick together all the time. A day or two is fresh, but the years of this overly intimate friendship don't last long. There are not so many things to talk about between people, especially between acquaintances, who have not seen each other for many years before they become more intimate and their feelings warm.

Being together every day will soon only expose each other's shortcomings. Second, in fact, this is an acquaintance who has formed a pension bureau, and it also needs to spend a lot of money to hire people who work, which is not much different from the nursing home in nature. Besides, the good side of the constraints of nursing homes is that people's hearts will be more honest, and this kind of relationship between friends, once there is a conflict, it will be dissolved, and it is a completely unstable model.

So I'm not optimistic.

What is needed for the elderly, what is needed is a certain amount of money, and what is needed is the emotional concern of the family, this emotional line is very important for the elderly, and it is the foundation of happiness in old age. If you ask, how do you know that you are not old? That's the case, even if this matter is to be studied scientifically, it is only some social follow-up surveys, and relevant sociological and psychological surveys have proved this, not to mention that the investigation may not be able to obtain the truth, that is to say, those conclusions that lie hard are counted, in fact, the results are more credible, people's happiness in old age, need family affection and friendship.

People are dying, there is no need to deceive people.

Of course, we are bored to give some examples of this kind of thing, there are old people with unfilial children, even beaten, and there are also single rich people who seem to enjoy their old age. But in the careful choice of the fork in the road, what do we rely on, I don't think it is some foreign surveys, but a thorough reflection on life after people have children and no children after reaching middle age. Middle-aged people who lack a sense of meaning in life ask themselves and believe that they know what to expect.