Zhou Fangyuan faced the eyes of the elders, and smiled neatly, "I don't know, have you ever heard of such a pension model?"

At this point, he paused for a moment, and then slowly said what he wanted to say.

"We call it, Community Care!"

Community pension is one of the three most common pension models.

Community pension is one of the ways to provide for the elderly. It refers to the home-based elderly care service system with the family as the core, the community as the basis, the day care, life care, housekeeping service and spiritual comfort of the elderly as the main content, the door-to-door service and community day care as the main form, and the introduction of professional services in the form of elderly care institutions. The main content is to hold welfare institutions for the elderly, respecting the elderly, and caring for the elderly; It has set up shopping malls and service centers for the elderly, set up dining tables and canteens for the elderly, established medical institutions for the elderly, set up activity centers for the elderly, set up marriage agencies for the elderly, opened schools for the elderly, set up a talent market for the elderly, and provided legal aid and shelter services for the elderly. The characteristics of community care for the elderly are: let the elderly live in their own homes, and while continuing to be cared for by their families, the relevant service agencies and people in the community provide door-to-door services or care services for the elderly.

There are about three traditional pension models in our country, namely family pension, community pension and social pension.

Among them, family pension is the most common, that is, the elderly and their children live together, and the children take care of the elderly's daily life. The advantage of this is that the children can monitor the physical condition of the elderly at any time, and it is determined that life is stressful and easy to cause conflicts within the family. After all, many life concepts between the two generations are not the same, it doesn't matter if you don't meet often, and you miss it once in a while, but if you are together every day, small contradictions may accumulate over time and become big contradictions, which will cause conflicts within the family, which is one of the disadvantages of family pension.

What's more, the elderly need different levels of care according to their different physical conditions, especially those who have exceptionally poor physical fitness, often need to be taken care of all day, and it is natural that the pressure on family life becomes greater.

As for social pension, it is generally known as nursing homes and nursing homes, and this model is also called institutional pension. The benefit is to reduce the pressure on the family and alleviate family conflicts. The disadvantage is that the cost is larger, and the elderly may not be well cared for. In recent years, there have been many reports in various media, saying that the abuse and discrimination encountered by the elderly in nursing homes will have a very bad impact on the psychology and physiology of the elderly.

Community care for the elderly is a combination of the two. Going home at night is the family pension model, and there is a "nursery school" similar to a nursery during the day, where a part of the elderly are organized to carry out some collective activities or something, so that the elderly can benefit from talking people, and they can move together in space, and they can rest together when they are tired, which is considered the category of institutional pension.

The above three are the most traditional ways to provide for the elderly.

In fact, if you want to talk about pension, in my country, it has a very traditional and long history.

As early as the end of primitive society, the so-called "pension" has appeared, and the Xia and Shang generations inherited it, but the Western Zhou Dynasty has perfected the system.

"The Book of Rites: The Royal System": "Where the elderly are old, there are Yu family with Yan ceremony, Xia Hou family with feasting ceremony, Yin people with food ceremony, and Zhou people to cultivate and use it." Fifty is raised in the township, sixty is raised in the country, seventy is raised in learning, and it reaches the princes. ”

This shows that the Western Zhou Dynasty stipulates that the local or national pension responsibilities are borne respectively by the age, and in terms of policy, not only the central government is responsible for the old-aged, but also the local government is responsible for the old-age. Those who have reached the age of 50 will be raised in the village school, those who have reached the age of 60 will be raised in the primary school of the Chinese culture, and those who have reached the age of 70 will be raised in the university of the national culture. This pension system, from the Son of Heaven to the princes, is the same. However, the elders of a country are supported by the princes, and if they are the elders of the world, they are supported by the Son of Heaven. The Western Zhou Dynasty pension is not only in view of the fact that the elderly have accumulated rich knowledge and experience, but also out of the needs of the patriarchal hierarchical society: according to the order of the eldest and youngest, the ceremony of respect and humility is determined.

As the "Royal System" says: "Raise the elderly to be filial." "The Book of Rites: Township Drinking Righteousness" also says: "The people know that they respect the elders and then they can become filial brothers; the people become filial brothers, and they respect the elders for the elderly, and then they become teachers; and then the country can be safe." This is the fundamental reason why Western Zhou attaches great importance to the pension system.

Chinese people have always been very concerned about the growth of children, and there are many theories and practices about family education, and even the family mottos of some famous families have become heirlooms, such as Yan and Zeng, which are more famous. But the maintenance of the elderly seems to be much inferior, lacking both the necessary mechanisms and systematic theories. Especially today's China, has entered an aging society, the elderly population of more than 100 million and a half, pension has become more and more a big problem in society. Throughout ancient and modern times, the practices of supporting the elderly vary greatly from dynasty to dynasty, and the best is the Han Dynasty.

In the early days of the Western Han Dynasty, as soon as the country was restored, the emperor issued an edict for the elderly, and all the elderly over 80 years old could enjoy the treatment of "raising the elderly, giving a few sticks, and eating porridge". Han Gaozu edict said that all the people over the age of 50, if they have good character and can lead everyone to goodness, can take up the position of "three elders", from the township to the county, and the county commander "teaches each other with things". He was exempted from forced labor, and wine and meat were given every October. Emperor Wen of the Han Dynasty decreed: "The old man is not warm or warm, and he is not full of meat." At the beginning of this year, from time to time, people will ask questions about the elders, and there is no gift of cloth, silk, wine, and meat, how will they be able to support the descendants of the world to be filial to their relatives? ”

In the first years of Emperor Cheng's reign, the minimum age for the elderly to enjoy this legal treatment was lowered to 70 years old. Every autumn, the local government conducts a census of the population, registers the elderly, and holds a solemn ceremony to confer the cane. As recorded in the Book of Etiquette of the Later Han Dynasty: "In the month of mid-autumn, the county and the province are all compared to the people, and those who are seventy at the beginning of the year are given jade rods and fed porridge." Eighty, ninety, gifts. A long ruler of a jade staff, decorated with doves at the end. The dove, don't choke, don't choke, want the old man not to choke. Judging from this record, the Han Dynasty's pension and respect for the elderly were not only pragmatic, but also had good health wishes.

According to a wooden tablet of the edict of the royal staff tied to the end of a dove cane unearthed in Gan Province in 1959, and a wooden tablet of the edict of the royal staff of the Western Han Dynasty unearthed in the Han tomb at the same site in 1981, the Han Dynasty's regulations on pension and respect for the elderly have always been consistent and uninterrupted, and the emperor has to edict the world every once in a while.

The most intriguing thing is that the edict of the Western Han Dynasty clearly wrote: "The king is given a scepter in high years, and there is a dove on it, so that the people can see it, and it is better than the festival." "If you are more than seventy years old, you will not be able to enter the official mansion if you are more than 600 stones. ”

At that time, the official positions of "600 stones" were Wei Gong Order, County Cheng, and Small County County Order, which were equivalent to department-level cadres. That is to say, the seventy-year-old man of the Han Dynasty enjoyed the treatment of the division level in "politics", and he did not have to bow down to enter the government with the royal scepter, and could be on an equal footing with the local officials. The "political" treatment of the elderly in the Han Dynasty is also reflected in the fact that they can "gallop on the sideline". The gallop road is specially designed for the Son of Heaven to gallop the carriage and horses, and it is absolutely forbidden for others to walk. Even the prince is not allowed. It can be seen how special the old people of the Han Dynasty were!

Perhaps under the influence of the Han Dynasty, the treatment of the elderly in various dynasties and generations has been reflected to varying degrees, and the traditional virtues of respecting the elderly and providing for the elderly have gradually been formed in the Chinese nation. The old man and the old man are the golden and jade words.

Today, in the three major pension models, there are many detailed pension methods.

For example, consumption pension.

Consumption pension is a newly emerging pension model, the core of which is that consumers in the purchase of enterprise products, enterprises should regard consumer consumption as an investment in the enterprise, and according to a certain time interval, the profits of the enterprise according to a certain proportion of the return to consumers, so that consumers not only care about the quantity and quality of the goods they buy, but also care about the benefits brought by shopping. Enterprises will have a large number of rebates from consumers and become a strong player in the capital market, and will provide a broad source of funds for pension insurance, which can gradually accumulate a considerable amount of pension funds for consumers without increasing the burden on consumers, so as to solve many problems related to pension.

This is also the most common investment-based pension insurance today, and many people buy it again.

Then it is to provide for the elderly with housing, which is also very simple, that is, for those who have housing, they can take out the housing and give a value under the evaluation of the bank. The property is then mortgaged to the insurance company, and the insurance company will pay the elderly a prescribed "pension" on time every month according to the value of the property. If the old man dies before the "pension" is paid, the heirs have two different options for the property, either to pay all the "pensions" given to the old man by the insurance company over the years, and then get the property back. Either the property is discounted and the remaining pension that has not yet been "paid" is withdrawn in a lump sum, and the property is returned to the insurance company.

There is also a situation where the old man has been living well, even beyond the predetermined number of years, then the insurance company will get full ownership of the property, but at the same time, the insurance company must also ensure that the "pension" is paid on time and on time every month until the old man dies. The last situation is theoretically the most ideal state for the elderly and their families, and of course most of the elderly do not live for a predetermined time. So after all, insurance companies still have to make money.

And then there is going abroad for the elderly, in recent years, some of the elderly in China have begun to pour into the United States in large numbers, they come from all over the world, and come together for a common goal - to enjoy the benefits of the United States. In order to ensure the illness and convenience of the elderly, the decoration of the apartment for the elderly has been strictly inspected, and the inside and outside are like new houses. Each floor of the apartment for the elderly has a large common living room with a large sofa, TV, as well as bookshelves and a piano. Whoever comes can gather in the living room. There is an elevator in the building and a laundry room on each floor. The laundry room is spacious and bright, and the gym is open 24 hours.

Treadmills, table tennis tables, as long as you want to play, you can go at any time. Free Internet access is available in the computer room, and printer ink is also available. You don't have to worry about your children living here, you don't have to worry about sudden illnesses, and all your free time is spent looking for happiness.

In addition, there are multiple pension models.

For example, housekeeping pension refers to the fact that family members or the elderly themselves pay for it, so that professional housekeeping service companies can train housekeeping service personnel, and enter the elderly family in the form of dispatch to engage in housekeeping services.

For example, home care refers to the socialized old-age service model that takes the family as the core, relies on the community, and relies on professional services to provide life care, medical care, spiritual comfort and solve daily life difficulties for the elderly living at home.

For example, the boarding of the elderly, which is the first in Shanghai to provide for the elderly, which arranges the elderly in the urban area to be fostered in the suburban migrant worker housekeeper families who have been professionally trained and have obtained the certificate of pension service, and who have the conditions and ability to take care of the elderly, so as to alleviate the pressure of urban home-based care.

The combination of medical care and elderly care is a new model that integrates medical resources and pension resources. In the integrated medical and elderly care institutions, the elderly can meet the needs of medical health care and nursing care without leaving home.

The demand for the elderly continues to be released, and some new pension models have also emerged, such as the above health care community, the project through the membership of the pension apartment combined with property rights of parent-child pension products, relying on the full supporting facilities, to achieve the life concept of parents and children two generations of living, to create a three-generation all-age symbiosis community. In addition, according to the three different types of care needs, Ping An Group has configured one-stop elderly care models such as parent-child elderly care apartments, non-nursing elderly care apartments, and semi-nursing elderly care apartments in the entire community.

As for what Zhou Fangyuan said, it is necessary to go one step further and build one semi-enclosed pension community after another, focusing on Yuanfang Real Estate and Huatai Property Insurance, which has all the facilities for the elderly, including but not limited to supermarkets, banks, restaurants, gyms, cinemas, KTV, chess and card rooms...... The elderly live in it and can enjoy everything they can enjoy in the outside world. In terms of living conditions, it can be a single room, a double room, or a suite.

The elderly who live in the house wear physical monitoring bracelets with them, there is an alarm system in the room, and there is a resident doctor in the community, which exists in the form of a clinic. When the elderly have problems, they can be treated and cared for in time, and when the elderly feel uncomfortable, they can also go to the clinic for active consultation. The living quarters even have all the facilities they need to live independently, and the elderly can take care of themselves if they are able. If you can't go out to eat, you can go to the cafeteria or to the restaurant.

In short, to enter the community, you need to purchase the corresponding insurance. After buying the insurance, and paying some money, the elderly can enjoy everything in the community for free. Yes, everything, everything is provided free of charge, including things in the supermarket, including all water, electricity, gas, heating, etc., including medical visits, including all entertainment facilities.

As soon as you enter this semi-gated community, everything inside is free of charge.

Of course, the price before entering will not be cheap.

This model will appear in the future, at least Zhou Fangyuan heard that many places already have such pension communities before he was reborn. But now, there are few similar models, and Zhou Fangyuan talked about this aspect when he chatted with Mr. Wang before. Now that I mentioned it again, it was the possibility that it was in line with my grandfather's "pension plan", so Zhou Fangyuan simply said what had been agreed before.