Healthy pension for single elderly 1, home-based pension
For the elderly who choose to live at home, the street community should visit the elderly regularly, do housework for the elderly, and organize the elderly to participate in various social activities and tourism. The community should make statistics on the lonely elderly in the community in time, pick out some objects in urgent need of help, and let the elderly help each other, care for each other and enhance their feelings. Help the elderly get rid of empty nest, loneliness and sadness. Make the elderly get spiritual and emotional comfort and understanding.
Some widowed elderly people with better conditions can also rent their houses to other elderly people, hire some professional medical and domestic service personnel to take care of their diet and daily life, and also help the elderly get rid of loneliness.
2. Nursing home for the aged
Lonely old people can also choose nursing homes for the elderly. They only need to go through the relevant check-in procedures and pay a certain fee to stay. Relatively speaking, nursing home is more conducive to the psychological and physical health of the elderly.
In recent years, stimulated by national support policies and market opportunities, various socialized pension institutions have sprung up like mushrooms after rain. However, just as pensions are increasingly being chased by capital? Chaoyang industry? At the same time, it is hard to find a bed in public nursing homes, and problems such as uneven distribution of old-age resources between urban and rural areas, large cities and small and medium-sized cities, shortage of elderly professional nurses and low management level are gradually exposed.
Developed countries in Europe and America do rely on nursing homes for the elderly, but most of their nursing homes are high-end nursing homes according to China's standards. The particularity of China's local market lies in how to meet the low-end demand. At present, it is necessary to innovate the old-age service and mechanism so that every old person can get medical and maintenance services in time. Only in this way, getting old slowly is a happy and dignified thing.
3、? Three no? National pension for the elderly
Three no? The elderly refer to the elderly who have no children to support, no ability to take care of themselves and no basic source of livelihood. For these old people, most of them have never had the experience of getting married and having children all their lives, and they have no financial resources in their later years. Coupled with illness, life is difficult to take care of itself. For what? Three no? For the elderly, the state has a sound support policy. They can apply to live in a state-run nursing home and spend their old age in it.
China's pension mode 1, family pension.
As the most traditional way of providing for the aged in China, family support for the aged will still be the main choice for the elderly in the future, right? Raising children for old age? The most direct embodiment is that the family is the carrier, which naturally realizes the guarantee function and is conducive to intergenerational communication. However, financial planner Jiafeng Ruide pointed out that the problem that cannot be ignored in family pension is that the burden on children will be heavier, especially the increasing number of people? 42 1 family? Generally speaking, the economic burden will be heavier, so we should consider the problem of parents' old-age care as early as possible, and allocate some funds to allocate wealth management products or some commercial old-age insurance to prevent problems before they happen.
2. Community pension
Community pension mainly provides services for the semi-disabled elderly through community service facilities. However, community pension is not a family pension, but an effective supplement to family pension. It puts the best combination of family pension and institutional pension in the community. However, Jiafeng Ruide financial planner pointed out that community pension lacks professional nursing staff and social workers. Although the model is good, it has not played its due role in providing for the aged.
3. Institutional pension
Institutional pension covers a wide range, involving all aspects of the elderly. Professional old-age care institutions that provide full-person, full-time and full-time services for the elderly mainly serve the disabled elderly and the vulnerable elderly who lack family care. They can be divided into nursing homes and nursing homes for the elderly. Jiafeng Ruide financial planner believes that with the development of society, institutional pension is the main trend of the future development of the elderly, but the cost of institutional pension is directly proportional to the service level. In order to get better service for the aged, it needs to pay a high fee, so it needs to have certain capital. In this regard, it is best to use investment to alleviate the problem of funds. Since it is for the elderly, don't invest in the stock market, a high-risk financial product. You can configure wealth management products with stable income and low risk like Yishengbao.
Pension fund source 1, retirement salary
There are not many old people who can get retirement wages now. Only those who work in the system or some good units can get retirement wages after retirement. Under normal circumstances, there is not much difference between retirement salary and pre-retirement salary, and you can enjoy full public medical care. After retirement, these people will have little financial pressure and live a very decent life.
2. Pension
Most employees who work in enterprises will pay social security and receive pensions after a certain number of years of retirement. However, the amount of pension is far from the retirement salary. It is not that you can get more if you pay more, but you should consider the personal salary, the average salary of local employees and the payment period comprehensively.
3. Commercial endowment insurance
If you don't have a normal job and don't pay social security, you can buy your own commercial old-age insurance, and you can get a pension from an insurance company regularly when you are old. However, there are many kinds of commercial endowment insurance, and many insurance institutions are selling them. Insurance companies must choose products that suit them, and don't be misled by employees of insurance companies. In addition, it is necessary to buy commercial endowment insurance as soon as possible, and not wait until you are in your 50 s to retire. At that time, not only will the premium be too expensive, but the amount of protection will be much less, and many insurance companies have age restrictions, so it is very likely that you will not be able to buy it when you are old.
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