Domestic and foreign pension models

Including nursing homes and apartments for the aged. Older people who like to live in groups, especially those who are lonely, live in nursing homes, or form large-scale elderly communities to organize a large number of elderly people to come and live voluntarily. The community provides various specialized services for the elderly. Institutional pension will be the main way to provide for the aged in the future.

Suitable for the crowd: single elderly people who like to be busy.

Home care

Home-based care for the elderly refers to the traditional way that the elderly choose to live in the family instead of staying in an old-age care institution according to the living habits of our citizens.

Suitable for the crowd: Due to the influence of traditional culture, more elderly people in China still choose to live at home for the aged, especially the very old and those who have certain prejudice or concerns about nursing homes and nursing homes for the aged.

Home community pension

A new mode of providing for the aged combining home-based care and socialized door-to-door service. This model can ensure that the elderly, children, old-age service personnel and the government are in their proper places and make full use of resources. Community home-based care for the aged makes up for the shortage of family care for the aged, and it is a new mode of care for the aged advocated by the government.

Suitable for people: empty nesters whose children are too busy to take care of and don't want to leave home.

Rural pension

The fresh air in the countryside, superior ecological environment and low cost of living have attracted many retired people to come to support the elderly. Some old people in the city were originally from the countryside, and returned to their hometown after retirement; Some elderly people have low incomes, feel that living in cities is expensive, and want to live in rural areas. Some old people like to be close to nature, planting grass and flowers all day long, climbing mountains and swimming, and being with nature all day long is also a great pleasure in life, thus giving birth to the rural pension model.

Suitable for the crowd: "If a tree moves, it will die; if a person moves, it will live", which is a well-known mantra. Although some old people have reached the late stage, their resilience has not diminished, and they often want to change places and live a new life. Undoubtedly, many new models of rural old-age care have attracted many such old people.

House-to-house pension plan

In order to get a certain amount of pension or accept the service of the apartment for the elderly on a regular basis, the elderly mortgage or rent their own property houses. Through a certain financial mechanism or non-financial mechanism, the value contained in the house, especially the great value that the house will retain after a person's death, will be realized before a person's death and used for providing for the elderly. Housing for the elderly has received great attention from the society.

Suitable for the crowd: for the elderly who have a house on hand, have no children or are unwilling to leave their property to their children.

Providing for the aged in different places

In view of the huge differences in housing prices, living costs and ecological environment in different regions, they moved out of big cities with high living costs and poor living environment and moved to towns with superior ecological environment and low living costs for the elderly.

Suitable for the crowd: the elderly who are not well-off but like to travel, travel and provide for the elderly.

Selling a house and staying in a geriatric hospital

The old people sell their houses to the outside world and use the money to live in a better nursing home, which can not only save social resources, but also add a lot of fun to the old-age life. Sending part of the house sales to life insurance companies for endowment insurance can ensure their worry-free life in their later years.

Suitable for the crowd: elderly people who have real estate but don't want to live with their children and like to be busy.

Leaseback

People will sell their houses with full property rights first, and then achieve the purpose of providing for the elderly with houses through the way of "selling and leaseback". Not only can you get a large sum of money for the old-age life, but you can also maintain the long-term or even lifelong right to use the house or even the original house in your later years, and you can live in a house as usual, which increases the insurance coefficient for the elderly to better support the elderly.

Suitable for the crowd: elderly people who are unwilling to leave home and invest cautiously.

Rent a house for the elderly

People rent out houses with full property rights first, and then live in other apartments or nursing homes to achieve the purpose of providing for the elderly with houses. It not only ensures that you have a house to live as usual in your later years, but also obtains a sustained and stable rental income for the old-age life. It can also ensure that the original house can still be left to your children as usual after your death, which is in line with the traditional custom of raising children to prevent old age and inheriting inheritance. #p# header #e#

Suitable for people: the elderly who own more than 1 set of houses or have a large housing area.

basic pension

In areas with superior ecological environment, convenient transportation and relatively underdeveloped economy around big cities, large-scale pension bases will be built, and the elderly in cities will be moved to live voluntarily, and the base pension will be implemented. This practice can not only greatly improve the taste and quality of life of the elderly, but also relatively save the expenses of the elderly. After the elderly live in the old-age base, they can also revitalize the value of idle housing that originally lived in the city by renting or selling.

Suitable for the crowd: elderly people who have certain economic strength and like to be close to nature, but don't want to be too far away from home.

Tourism pension

Now some old people are migratory birds, buying houses in Qingdao, Harbin, Hangzhou, Haikou, Kunming and other scenic spots, and providing sightseeing tours for the old people all the year round.

Suitable for the crowd: the elderly who are healthy after retirement, have good economic conditions, are handy in legs and feet, and are willing to visit the great rivers and mountains of the motherland.

A small room, a large room.

After retirement, the old people will sell the big house they used to live in, then buy a small house suitable for living, and use the difference between selling and buying houses to invest in the stock market or bonds, which can provide more powerful protection for the old people. Old people can also apply for differential pension annuity life insurance, withdraw cash for the elderly every year, and wait until a small house is used as a way of providing for the elderly in a certain year, and continue to receive cash inflows for the elderly. Or sell this small house and go to a nursing home for the elderly.

Suitable for the crowd: the elderly living in the city center.

Living together in old age

Some elderly people can negotiate to sell their houses, put their money together, make a special combination of the problem of providing for the aged, and jointly buy a house with larger area and better functions in a better location, so that everyone can live together and cooperate to buy a house to form a life of providing for the aged with the same living expenses. The living cost of the elderly has also been greatly reduced, and the sense of loneliness and emptiness has also been eliminated.

Suitable for the crowd: a group of like-minded elderly people with low income and poor housing environment.

Centralized pension

In the rural areas of Zhejiang, the old-age care institutions are organized by villages and towns, and the "three noes" elderly people in the village are moderately concentrated to live and support the elderly, and the government pays the bill. This move solved many problems of the rural elderly and was well received.

Suitable for people: rural elderly people without children, fixed income and support obligations.

Sell a house to the elderly

Many families in the United States have a distinct transaction behavior of selling houses for the elderly within the family. Parents sell their own houses to their children in exchange for pensions. This is the maintenance and inheritance relationship between parents and children, which is clearly marked and exchanged in the form of money. For children who are unwilling to support their parents and only like to inherit property, it is a great blow.

Suitable for the crowd: the elderly who are easy to accept new ideas.

Hourly nursing care for the elderly

In the residential community, one or two nurseries or activity rooms are held for the elderly like kindergartens, providing food, entertainment, books and so on. For the old people, the children feel comfortable when they are served here during the day.

Suitable for the crowd: the elderly living in the community.

Traditional support

The old man agreed with his relatives and friends that the other party would be responsible for supporting the elderly and bequeath the house to the other party after his death. This is a mode of "bequest and support" which has been widely circulated by China civil society for thousands of years and is still recognized by national laws. As the originator of "you give me a house, I support the elderly", it has a long history.

Suitable for the crowd: elderly people who have no children and want to live with familiar people.

housing endowment

Old people attract young college students to be tenants at home, sweeping away the boredom of the past, having more people around to take care of them, and considerable rent as a supplement to living expenses; For young college students, it is also helpful to solve the problems of housing and emotional destination; Urban housing resources have also been well utilized, greatly alleviating the housing shortage, which can be described as killing two birds with one stone.

Suitable for the crowd: the elderly who are lonely in the city.

Small family pension

Use your own house to decorate a place suitable for the elderly to live in, generally about 10 beds, and hire maintenance personnel or original family members to serve the dependents.

Suitable for people: semi-self-care, elderly people who can't take care of themselves.

Monetized pension

Monetized old-age care means that the relevant departments take out certain funds and distribute them to the poor elderly in the form of currency vouchers, so that the elderly can buy services in the community with vouchers, thus realizing home-based old-age care.

Suitable for people: urban poverty and lonely old people.

Consumer pension

Without changing consumers' consumption habits and market operation habits, through daily consumption, the state authorized units will increase pensions through a certain proportion of consumption points.

Applicable people:/kloc-adults over 8 years old.

It is understood that at present, many parts of the country have begun to explore the old-age care model of combining medical care with nursing care. In 20 16, five districts in Beijing, namely Xicheng, Chaoyang, Haidian, Shunyi and Miyun, piloted the "disability subsidy", giving the elderly and disabled people with financial difficulties a monthly subsidy not lower than that of 300 yuan to help them improve their ability to purchase home-based care services; Guangxi proposes that by 2020, a well-functioning old-age care service system covering urban and rural areas will be basically established, and standard community home-based old-age care service centers will basically cover urban communities. Every thousand elderly people have 35 beds for the aged, including more than 15 nursing beds. The added value of health care services and related industries reached 200 billion yuan, and about 15 old-age service clusters with large scale and perfect functions were built.

In addition, it is also a useful exploration to sink medical services to communities and pension institutions. A few days ago, the "Kunming Public Hospital Comprehensive Reform Pilot Implementation Plan" was released. The plan encourages secondary hospitals to transform into community health service institutions, specialized hospitals and nursing and rehabilitation institutions for the elderly, mainly providing basic public health services, diagnosis and treatment services for common diseases and frequently-occurring diseases and rehabilitation nursing services for some diseases. Gu Xin, member of Kunming CPPCC, said that governments at all levels strongly support the development of the combination of medical care and nursing, which has its realistic background and urgency. The condition of the elderly group changes rapidly and the treatment and rehabilitation cycle is long, so going to a big hospital is not the best choice. It is inevitable that medical services will sink to communities and old-age care institutions.