20 18 introduction of American immigrant retirement policy

There are more and more immigrants in the United States, and many elders will care about their retirement. So what is the immigration retirement policy in the United States? This is something that many immigrants are interested in. Let's take a look at it with the overseas immigration network! The following is the relevant information I have compiled for your reference.

Introduction of American immigrant retirement policy

In the United States, the normal retirement age is 67, and early retirement is 62. The United States encourages delayed retirement. If a person chooses to retire at or after the age of 70, he can get 132% pension every month. Due to the flexibility of the American retirement system, many elderly people choose to postpone retirement, and it is often seen in their lives that many elderly people still work in various service industries, private companies and government departments.

American retirement policy

1, early retirement

A person can start to receive a pension when he is 62, but he has to get a 30% discount. Every month he delays receiving it, the discount is one point less.

Step 2 retire normally

According to different birth dates, the US Social Security Administration has set different "normal" retirement ages, such as:

Born before 1937 and 1937, the retirement age is 65;

Born between 1943 and 1954, with a retirement age of 66;

Born after 1960 and 1960, the retirement age is 67.

People who retire within the "normal" retirement age can receive a full pension.

3. Delayed retirement

In the United States, people choose to postpone retirement for many reasons. Some people like to work and are willing to exert their waste heat. More people want to earn more money so that they can live a more stable and prosperous old age.

If you choose to delay retirement, you can also get delayed retirement points on the basis of the original pension. If a person's normal retirement age is 66 and he chooses to retire at 67, then he can get 108% pension every month; If he chooses to retire at or after the age of 70, he can get a monthly pension of 132%.

This voluntary and gradual retirement system allows people to make choices according to their own situation. However, the proportion of retirement benefits, especially the incentive benefits for delaying retirement, encourages Americans to delay retirement to some extent.

According to the data of the US Department of Labor, in 20 13 years, 24% of American men over 65 are still working, and 0/5% of women over 65 are still working.

The annual statistical report of the American Social Security Administration also shows the same situation. Taking male data as an example, in 2000, 4 1.6% of Americans over 62 chose to apply for a pension, and by 20 12, this proportion had dropped to 37.2%; In 2000, 365,438+0.7% Americans who reached the normal retirement age began to apply for pensions. By 2065,438+02, the proportion is 365,438+0.5%.

The Origin and Problems of American Retirement Policy

The current gradual retirement system in the United States was stipulated by the relevant laws passed by Congress in 1983, which effectively eased the predicament of lack of social security funds in the 1970s. But by 20 10, the social security projects in the United States were unable to make ends meet for the first time since the reform of 1983. It is predicted that by 2033, they will face the dilemma of "social security bankruptcy", so there is also a debate on whether to "raise the retirement age" in the United States.

Grassley, chairman of the US Senate Finance Committee, once suggested raising the retirement age of Americans to 69. According to estimates, if the retirement age is postponed to 68, it will reduce the gap of 18% for the American social security fund; If the retirement age is postponed to 70, the social security fund gap will be reduced by 44%.

But there are also problems. Many people sarcastically say that if you sacrifice your old age, it is likely that there will be a situation where "people are gone and money is still there". Old people who don't retire will also affect young people's job opportunities. Generally speaking, older employees are more likely to be favored by employers because of their rich work experience and stable living habits.

Washington post once quoted the data of the US Bureau of Labor Statistics as saying that since the financial crisis triggered the economic recession in 2008, the number of people over 55 who have joined the work has increased by 365,438+10,000, with an increase of12%; The proportion of the working population aged 75 and over is also increasing. In contrast, the employed population aged 25 to 54 decreased by 6.5 million, a decrease of 6.5%.

What do you know about American pensions?

Ordinary Americans' pensions are social security retirement benefits. If hired by the company, the individual needs to pay 6.20% of the income, and the company also needs to pay the same proportion; If they are self-employed, individuals need to pay 12.40% social security tax.

At present, the normal retirement age in the United States is 66, but people born after 1960 are 67. To get a pension, you must accumulate 40 points, one for each 1 130 dollars, but at most 4 points a year, so you must work for at least ten years. Spouses who do not work or do not meet the requirements of working years can also receive a small pension; When one spouse dies, the other spouse (who must reach retirement age) and minor children enjoy social security.