How to choose the pension method for the elderly?

Personal suggestion, home care is still very good, now the rules are more perfect, and have the best support, the cost is actually not high, when the heat is not the counterpart of the kind of high-end institutions, I am talking about the more normal ** is not high, home care can basically complete all the care of the elderly.

Now, many elderly people and younger generations actually don't have such a good impression of nursing homes, so home care is actually a good way.

When we get old and our physical condition deteriorates, we need someone to take care of us in order to live out our old age. Therefore, at this time, we will choose the right way to care for the elderly. ......Among the many ways to provide for the elderly, group pension is a good one.

However, there are some problems with this pension method, so it needs to be combined with your actual situation when choosing. ......Specifically, the advantages and disadvantages of group pension include the three reasons why the elderly have similar living habits and are suitable for group pension, the concept of the elderly is similar to that of group pension, and the elderly of different families may have contradictions in group pension.

1. The living habits of the elderly are similar, and it is very realistic to support the elderly in a group.

Each of us has our own unique habits, and the greater the age gap, the greater the difference in lifestyle habits. ......Older people are similar in age, have similar life experiences, and have more similarities in terms of living habits. This situation makes it possible for the elderly to support each other.

Moreover, it is more conducive to the elderly to take care of each other and to spend their old age in peace.

Different people have different concepts, which has a great impact on the interaction between people. If two people have different ideas, they will not be able to communicate together at all, let alone live together. ......Because the elderly have more in common, they have more in common in the concept, which makes the communication between the elderly more harmonious, which creates conditions for the elderly to support the elderly.

Because of this, so many elderly people choose to care for the elderly.

3. There may be conflicts between the elderly in different families, which is not conducive to group pension.

Although the group pension is a good way to support the elderly, there are certain problems in the tie-up section. ......Specifically, the biggest problem of group pension is that the emotional connection between the elderly from different families is not as close as that of a family, once there is a conflict between each other, it is difficult to bridge, and eventually the problem becomes more and more serious, and the group pension cannot be realized. ......Because of this, the group pension is a state of coexistence of advantages and disadvantages, and the elderly must make targeted choices in combination with their actual situation when choosing the pension method, so as to make their later life happier.

The most desirable way of old-age care is home-based care, sojourn care and medical care. The first is home care. Nowadays, many elderly people do not want to go to nursing homes and prefer to stay in their own homes for the elderly.

There is an Uncle Wang in my building, his wife has passed away a long time ago, his children do not live around, and Uncle Wang does not want to go to a nursing home.

He usually eats from the community canteen, and the community also sends an hourly worker to Uncle Wang's house on time every day to clean up. There are also community doctors who go to Uncle Wang's house and check his body regularly. Uncle Wang is satisfied with the way of home care.

The second is sojourn for the elderly. Citizen Uncle Sun and his wife like to live and retire. In the summer, they go to Shenyang, Changchun and other northeastern cities to escape the heat.

In the winter, Uncle Sun and his family went to the southern city to retire, rented a house in a southern city, lived for a period of time, and then went to the neighborhood to play, and then returned to their hometown in Beijing after the winter passed. However, living and caring for the elderly requires the elderly to be physically strong, able to walk, and have a good body to go out to play.

The third is the combination of medical care and elderly care. This category mainly refers to ** hospitals. Some elderly people are paralyzed in bed, unable to take care of themselves, and need to be taken care of by the nurse Ling Naibi.

As the children of the elderly, they don't have much energy to take care of the elderly, so they can only send the elderly to the first hospital, so that the elderly can not only enjoy good medical services, but also get careful care for the elderly. However, the cost of the combination of medical care and elderly care is relatively high

1. Live in a nursing home.

With the increasing aging of the population, the facilities and equipment for the elderly are gradually improved. In fact, the environment of the nursing home is still okay, you can live a high-quality life when you are young, save some money, and when you are old, you can live directly in the nursing home.

Daily life is also managed, and you can also meet some elderly friends in the nursing home, and life will not be very lonely.

2. You can hire a private babysitter.

If you don't get married, then you can save a lot of money for marriage, plus money for raising children. When you are old, you can directly hire a private nanny to take care of yourself.

Babysitters can take care of themselves in full accordance with their own living habits, or their own needs. And now the Internet is very developed, you can buy anything you need online, and life is still relatively comfortable.

The above are two more common ways to provide for the elderly. However, these pension methods often have some drawbacks.

First of all, if you care for the elderly in nursing institutions, some black-hearted elderly care institutions will bully these elderly people who have no children and no daughters.

Because if you don't have children, you don't have a backer, and you're secretly harsh, and no one will know about it except you. You may also be looked down upon by other elderly people in the nursing home, so you will feel lonely.

If you are sick or unable to take care of yourself in a nursing home, and the nursing staff in the nursing home are reluctant to take care of you, they will definitely not serve you wholeheartedly. In this case, you may not be happy in old age.

Secondly, if you choose to hire a private babysitter, then the babysitter may also be there to get your money.

When you are conscious and mobile, I will take care of you as much as you wish. But once you get sick, or you can't take care of yourself, you may find ways to hasten your death and thus gain access to your possessions.

Because you don't have children, it means that no one will pay attention to you and care about you, so private nannies are not necessarily safe, and generally selfish people will attack some old people who have no children and no daughters, and there are many such cases in society.

Therefore, when you are young, you choose to live a high-quality life and a more free life, if you are lucky, your old life will not be bad, but if you are not lucky, it may be very painful.

The best ways for the elderly to care for the elderly are:

1.If the elderly are in good health and have better economic conditions, they can take the form 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 nursing institutions for the elderly. Moreover, the elderly can live in various pension institutions suitable for themselves according to their own economic situation

Apartments for the elderly, nursing homes, nursing homes, etc., are also divided into many grades in the same nursing institution, for example, those with good economic conditions can choose a single room, and those with poor physical condition can request 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 who are lonely and widowed should go to a nursing home for their old age. However, there are exceptions, if you are in good health, have good economic conditions, and have the ability to live independently, you can consider raising the old at home.

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 an elderly pension should be prepared early, so that they can advance and retreat.

1. About nursing home care.

For the elderly or the elderly in poor physical condition, because of the high frequency of demand for medical care and strong dependence on medical staff, 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 it is not affected by traditional concepts, for the elderly with poor physical conditions, especially the disabled or semi-disabled elderly, it is a good thing for the elderly and children to live in professional nursing homes or nursing homes 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 Ransou elderly care institutions.

2. On community-based home care for the elderly.

This is the closest way to our traditional family pension. The elderly still live at home, and the community comprehensive elderly care service center provides the elderly with door-to-door first aid, medical treatment, housekeeping, life and other services according to the needs of the elderly, 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.

Rural pension. The air in the countryside is fresh, the ecological environment is superior, and the cost of living is low. Suitable for: Some elderly people often want to change places and change their way of life.

Retirement in different places. Migrate from those big cities with high living costs and poor living environment to towns with superior ecological environment and low cost of living. Suitable for: The elderly who are not very good in economic conditions but like to travel.

Sale and leaseback. People will have full property rights of the house first, and then through the "sale and leaseback" method to achieve the goal of pension. Suitable for: Elderly people who are reluctant to leave home and are more cautious about investment. Base pension.

In the areas around large cities with superior ecological environment, convenient transportation and relatively underdeveloped economy, large-scale pension bases will be built, and the elderly in the city will voluntarily move into the residence and implement base pension. Suitable for: Elderly people who have certain economic strength, like to be close to nature and do not want to be too far away from home.

Tourism for the elderly. Some migratory birds-like elderly people buy houses in Qingdao, Harbin, Hangzhou, Haikou, Kunming and other scenic spots, and do sightseeing and sightseeing throughout the year. Suitable for:

After retirement, the elderly are in good physical condition, the economic conditions are very good, and they are willing to take advantage of the dexterity of their legs and feet to visit the great rivers and mountains of the motherland.

Centralized pension. In the rural areas of Zhejiang Province, pension institutions are held in towns and towns, and the "three nos" elderly people in the villages are moderately concentrated to live together for the elderly, and the first will pay for them. Suitable for:

Elderly people in rural areas who have "no children, no fixed income, and no legal obligation to support". Selling houses at home for the elderly. Many families in the United States have a distinctive trading behavior of selling houses for the elderly in the house.

Parents give their own houses** to their noisy children, in exchange for housing payments as pensions. Suitable for: Elderly people who are easily receptive to new ideas.