Is it necessary to immigrate to America at the age of 55?

It doesn't matter. The pension benefits in America are better than those in our country. It is appropriate for you to go there now.

Pension benefits in the United States are still very good.

Retirement benefits: accumulated ten-year tax records (the bottom line is about $50 per month), and after retirement (usually 65 years old), you can receive the pension issued by the US federal government for life (1000 ~ 1200 per month). For many immigrants, the number of years of receiving a pension is more than the number of years of paying taxes.

2. Old-age medical insurance: The medical expenses in the United States are quite high, but any "low-income" green card holder (with no tax record) can apply for a "medical card" after retirement, and it is no longer necessary to spend money to see any disease with the card. This can completely relieve the worries of the elderly who are sick. For non-low-income people, as long as they have a ten-year accumulated tax record and pay a small amount of insurance after retirement, they don't have to bear the medical expenses themselves.

3. Government subsidy: Green card holders have no accumulated tax records for ten years before retirement. As long as they become American citizens, after retirement (65 years old), the government will directly pay living allowance (more than $600 per month). Even if I don't live in America, I can enjoy the money.

4. Social security subsidies: Social security subsidies provide monthly living allowances to low-income and extremely poor people. Only people over 65 years old (including 65 years old) and disabled people are eligible to receive it. Adults or children can also receive disability benefits from social security subsidies.

5. Old-age insurance: The old-age insurance system includes three aspects: social basic old-age insurance, enterprise supplementary old-age insurance and personal savings plan, which is often referred to as the "three-legged bench". Retired old people have basic free medical care in the country, and enterprise supplementary endowment insurance has a history of 120 years. Established by an enterprise, employees can receive a monthly pension according to the accumulated amount in their accounts after retirement, which is generally equivalent to 10% of their retirement salary. The retirement age in the United States is 65, but in general, people can retire early at the age of 62, get a pension check in advance, and their families can get appropriate subsidies. After retirement in old age, if you resume work or postpone retirement after the age of 65, your pension will increase. In addition, the elderly can also choose private insurance purchase plans in a targeted manner.