Comparison of Foreign and Chinese Social Security Benefits

The current social welfare system in the United States has been gradually improved since the Social Security Act (SSA) was introduced in 1936. The Social Security Act contains the following types of welfare measures:

1. Federal Social Security

Federal social security is set up for the working people, in the workplace or used to work themselves and their families can participate in, mainly including retirement benefits (Retirement Benefits), pensions (Survivor's Benefits), disability benefits, and other benefits, including the following:

The United States is the first country in the world to provide social security benefits. Benefits include Retirement Benefits, Survivor's Benefits, Disability Benefits and Medicare Benefits.

2, Unemployment Compensation (Unemployment Compensation)

As long as the dismissal of the unemployed, regardless of whether they have savings can apply. Generally, the subsidy period is 6 to 9 months, and may be extended according to the different conditions of each state.

3. Public assistance

Specialized for low-income or no-income blind, elderly, disabled and no-income families. Payments are made by the state according to their living conditions, and applicants are investigated to prove eligibility.

4. Maternity and Child Welfare

Provided for the protection and promotion of the health of pregnant women and children, and does not distribute cash, but provides health services.

The Social Security Act is national in scope and was created to protect the rights and interests of all people. With the exception of public **** assistance payments, most welfare measures are available to everyone, rich or poor. It is worth noting that the SSA

mandates that Social Security recipients do not have to live within the United States for the convenience of retirees living overseas.

In addition to the above welfare policies included in the Social Security Act, the United States also has a lot of social benefits related to various aspects of life and work, the more common ones are as follows:

One, work insurance

1, unemployment insurance (unemployment insurance)

Unemployment insurance is a kind of insurance system. A portion of the insured person's salary is deducted each month to insure that the insured person will be compensated once he/she loses his/her job, and the amount of compensation is generally half of the original salary.

2. Worker's Compensation Program (Worker's Compensation Program)

Insured by the employer with the state government or the insurance company, workers injured on the job can claim. The amount and period of compensation is determined by the amount of premiums paid by the employer, and certain medical expenses are also reimbursed. Workers' compensation benefits are available to non-U.S. nationals and will not affect your ability to change your status or become a naturalized citizen.

3. State Disability Insurance (State Disability Insurance)

Only California, New York, New Jersey, Hawaii and Puerto Rico have this type of insurance, which is designed for people who are unable to work due to a short-term illness. In other words, the insured must be employed during the period of illness, and the benefits stop when he or she recovers and returns to work.

Public Service for Low Income Persons (PSLIP)

1. Food Stamps

The U.S. Department of Agriculture allocates funds to state governments to issue food stamps, which can be exchanged for U.S.-produced crops only, but not money, to provide relief to low-income families. The subsidy is limited to U.S. citizens, however.

2. School Lunch Program (School Lunch Program)

This is a nationwide nutritional meal program set up by the government to keep schoolchildren healthy. Non-Americans can also benefit.

3. Home Energy Assistance Program

This program is designed to help low-income families reduce their electricity and gas bills and is available to non-Americans. In addition to helping pay for coal and electricity bills, the energy assistance program can also repair furnaces, gas pipes, and other related heating equipment.

4, low-cost public **** housing (Public Low Income Housing)

This benefit has public **** housing, subsidized housing, rental subsidies and low-cost housing in four forms, the applicant must be 62 years of age or low-income, and some of the housing subsidies require that these two conditions be met at the same time.

III. Medicaid

1. Medicaid

Unlike Medicare, Medicaid is a health care program for low-income families that can be used in conjunction with Medicare, but is limited to U.S. citizens.

2. In Home Support Service (IHSS)

A joint federal, state, and county government effort to provide home and non-medical care for the elderly, blind, or disabled over the age of 65, allowing beneficiaries to live safely at home without the need for a home or public ****care facility.

The welfare system of a country is a rather large and complex system, which is difficult to describe in a few words. This article is just to give readers a platform to understand the U.S. social welfare, so that you can have a reference when making the decision to move to or study in the U.S., that's all.

The U.S. Social Welfare System

Social Security Card

The amount of social security benefits that a person receives in his lifetime is based on the income recorded on his social security card. That's why it's important that you use a Social Security card number throughout your life. Also, it is important that the name you use at work is the same as the name on your Social Security card. If you change your name, you must not forget to change the name on your Social Security. This service is free in the United States. Also, your child will have his or her own social security card. When you fill out your tax return, you will also need to include your child's social security card number in the immediate family section.

Paying Social Security Tax

If you work for someone else, your employer will allocate your share of Social Security Tax ) and Medicare Tax from your paycheck, go to the Internal Revenue Service (IRS) on your behalf, and report your income to the Social Security Administration to report your income. If you employ yourself, you pay these taxes when you file your own tax return. The IRS will notify the Social Security Administration of your income. The amount you owe is equal to the sum of the employer and employee percentages, but you get some special deductions.

Earn Social Security "credits"

When you work and pay taxes, you earn Social Security "credits," which determine your eligibility for future Social Security benefits. You are required to earn a maximum of 4 points per year, and most people need to earn 40 points (that's ten years of work) to qualify for a pension in the future. Younger people can earn lower points when they are receiving disability survivors' benefits.

Calculation of Social Security Benefits

The amount of Social Security Benefits you receive is a percentage of your average salary during your working years. Social Security Benefits should not be a source of income for your retirement, either when you retire or when you become disabled. Likewise, your Social Security benefits should not be the sole source of income for your family after your death. You should also have other plans for your old age, such as a pension plan, savings and other investments. Low-income earners receive a slightly higher percentage of their benefits than high-income earners. For an average income earner, the amount of benefit he can get is 40% of his average salary during his working years. In the United States, there are specialized agencies that provide free services to nationals to evaluate the amount of benefits they will receive at no cost.

Types of Social Security Benefits

Everyone who pays Social Security taxes is entitled to the following five types of benefits from Social Security Benefits: retirement, disability, family, survivor, and Medicare.

(Social Security benefits are not financed by Social Security taxes and will be explained in other sections)

Retirement

Anyone who has earned enough Social Security credits to qualify for a retirement pension can receive a retirement pension when he or she reaches retirement age. (A person who is 62 years old can receive a retirement pension, but the amount of the pension may be less than the number of credits earned.

Retirement age is 65 for those born before 1938, gradually increasing to 67 for those born after 1938, and

retirement age for those born in 1960 (including those born after 1960). Anyone who delayed retirement, that is, who delayed receiving a pension, earned special points each month until they turned 70

Disability benefits

Anyone who earned enough Social Security points (Credits) and suffered from a serious physical or mental illness that prevented them from working at a regular job for more than a year or who suffer from an

incurable disease, can receive disability benefits. Generally, a job that pays $800 or more a month is considered regular work.

Family Benefits

If you qualify for retirement or disability benefits, your family members may also receive Family Benefits. Family members include:

1. a spouse who is 62 years of age or older

2. a spouse who is under 62 years of age but is supporting a child under 16 years of age

3. an unmarried child under 18 years of age

4. a student with a child under 19 years of age

5. a child who is 18 years of age or older with a disability

If you are If you are divorced, your ex-wife or ex-husband may also be eligible for this benefit. (Detailed rules limit eligibility to ex-husbands or ex-wives.)

Survivors

If you earned enough Social Security credits, your family members may receive survivors' benefits after you die. Family members include:

1. a widow age 60 or older

2. a widow age 50 or older who is disabled

3. a widow of any age with one child under age 16

4. an unmarried child under age 18

5. a child who is a student under 19

6. a child who is a student under 18

7. a child who is a student under 19

8. a child who is a student under 18

9. a child who has a child under 18

9. a child who has a child under 18

10. 6. a child 18 years of age or older who is disabled

7. a parent for whom you are the primary breadwinner

Widows and minor children may also receive a special one-time benefit of $225. If you are divorced, your ex-wife or ex-husband may also qualify for a survivor's benefit. (Other rules limit eligibility to ex-husbands or ex-wives.)

Medicare

Medicare has two parts: hospital insurance (also known as Part A) and medical insurance (also known as Part B). Generally, Medicare is automatically available to anyone who is at least 65 years old and eligible for Social Security benefits

. People who have received disability benefits for two consecutive years are also eligible for Medicare. Others must submit an application before they can receive it. Hospital Insurance (Part A) Takes money from Social Security taxes to pay for hospitalization, care by vocational nurses, and other services. Medical Insurance (Part B) Comes from premiums (voluntary monthly payment of $58.70 in 2003) and other taxes. It pays for doctors' fees, outpatient treatment and other medical expenses, including some costs not covered by hospital insurance, such as physical therapy fees for home care.

Social Security Benefits

Social Security Benefits provide a monthly living allowance to those with low incomes and those who are extremely poor. 65 years of age or older and those who are disabled are eligible. Adults or children may also receive disability payments from the Social Security Allowance. As its name implies, Social Security benefits are designed to supplement your income so that you can meet your state's standard of living. The federal government pays a base amount, and the state is responsible for another portion of the subsidy to bring you up to a certain standard of living. Generally, people who qualify for Social Security benefits also qualify for Medicaid, food, and other benefits. Social Security benefits do not come from the Social Security Fund, nor do they depend on your previous wage income. It is paid for by the state's general tax revenues to ensure that those who are elderly and disabled maintain a minimum standard of living.