Fully understand the American social security mechanism.

What are the 20 13 investment migration trend forecasts?

In 20 13 years, although the mainstream status of Canada and the United States will not change, countries such as Europe will gradually seize some market share, and the choice of immigrant applicants will be more diversified. The high-profile involvement of European countries will further change the pattern of investment immigration market. Although most of the immigrant visas granted to applicants by European countries have certain conditions, the advantages of the European Union make applicants free to travel to all EU countries as long as they get the green card from Schengen countries, and the added value of the green card will attract many people's attention.

Fully understand the American social security mechanism.

(1) The social security mechanism is relatively perfect, with highly unified management and strong binding force.

The basic old-age security in the United States is centrally managed by the federal government. The federal government has established the General Administration of Social Security, which is responsible for formulating laws related to social endowment insurance and guiding national policies and operations. The whole country is divided into 10 regions, and each county and state (city) has social security bureaus and offices to undertake social endowment insurance affairs.

(two) the use of legal and economic means to regulate the retirement age, powerful and effective.

According to American law, only when you retire at the age of 65 can you enjoy 100% pension; Similarly, if a person has reached the age of 65 but has not received a pension, he/she will receive 5% of the full pension every year until he/she reaches the age of 70. When he/she starts to receive a pension, he/she will receive 0.30% of the 65,438+full pension every week. For some enterprises that handle early retirement for employees aged 55 to 62, their pensions are paid in full by the enterprises.

(3) Controlling the replacement rate of basic old-age benefits at a low level is conducive to the development of multi-level security.

The low replacement rate of basic pension may play the role of the second pillar (supplementary insurance for enterprises) and the third pillar (personal pension savings). Commercial life insurance in America is very active. In order to fully mobilize the enthusiasm of employees and retain talents, business owners have introduced various forms of supplementary insurance such as enterprise annuity plan.

(D) make full use of high technology, a high degree of socialization.

The level of high-tech development in the United States is universally recognized. Applying it to the operation and management of social security system has greatly improved the socialization of social security management services. Any American citizen with a social security number is valid. As long as he pays a certain social security tax in the local area, he can automatically continue the social insurance relationship. Similarly, if a retiree dies anywhere in the country, the hospital can input his death information into the computer, which can ensure the timely cancellation of his account.

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