And this is the best way he can think of, not to mention anything else, these relatives in the family, if you want to enjoy the treatment of the retirement community, at the very least, you have to buy an insurance. Other residents still need to pay extra money, and the people of the old Zhou family are exempted from this one, isn't this sincere enough? If they are not even willing to pay an insurance premium, then they can only hehe. 、

Some people may be curious, after talking about so many pension insurance things, what is the pension in foreign countries?

How to say it? The foreign pension model is actually similar to the domestic one, or in other words, the domestic pension model today, to a large extent, is actually learning from foreign countries. After all, you have to admit that people have been developing for a longer period of time and have encountered more problems, so there are a lot of experiences that we do not currently have.

Then wash up the pension model abroad.

Institutional care, home-based care, and home-based community care are no different from those in China.

Rural pension, fresh air, superior ecological environment, low cost of living, attracted a large number of retirees to the elderly. Some urban elderly people are originally in the countryside, and after retirement, they return to their roots; some elderly people have low incomes and feel that the cost of living in the city is expensive, so they hope that they can live more easily in the countryside; some elderly people like to be close to nature, plant grass and flowers all day long, climb mountains and play in water, and it is also a great pleasure in life to be with nature all day long, so they give birth to the pension model of rural pension. Although some elderly people are in the late state, the tenacity of life is not reduced, and they often want to change places and change their way of living. Undoubtedly, a variety of new models of rural pension have many temptations for such elderly people.

In view of the huge differences in housing prices, living costs and ecological environment in different regions, the elderly care in different places has moved out of those big cities with high living costs and poor living environments to cities with superior ecological environment and low living costs. It is suitable for the elderly who are not very good in economic conditions but like to travel.

Selling houses for the elderly, the elderly will sell their houses to the outside world, and use this money to live in a better nursing home for the elderly, which can not only save social resources, but also add a lot of fun to the pension life, and send part of the sales money to the life insurance company for pension life insurance, which can ensure that their life in their later years is worry-free. It is suitable for the elderly who have a real estate and do not want to live with their children, and like to be lively.

Sale-leaseback, the housing that already has full property rights is sold first, and then the goal of housing pension is achieved through the method of "sale-leaseback". It can not only obtain a large amount of money for old-age life, but also maintain the long-term or even lifelong right to use the housing or even the original housing in the later years, and have a house to live in as usual, which adds a considerable insurance coefficient to the better pension of the elderly. It is suitable for the elderly who are reluctant to leave home and are more cautious about investment.

Renting a house and being admitted to the hospital for the elderly, this is very Chinese style. The housing with full property rights will be rented out first, and then the goal of housing for the elderly will be achieved by renting another house or living in a pension apartment or nursing home. It not only ensures that you can live in a house as usual in your later years, and obtains a continuous and stable rental income for the elderly, but also ensures that the original house can still be left to your children as usual after your death, which is in line with the traditional customs of Chinese people to raise children to prevent old age and inherit the inheritance.

Base pension, in the surrounding areas of large cities with superior ecological environment, convenient transportation and relatively underdeveloped economy, build a large-scale pension base, and voluntarily move the elderly in the city to live and implement base pension. This practice can not only greatly improve the quality and quality of life of the elderly, but also relatively save the cost of the elderly. After the elderly live in the base for retirement, they can also revitalize the value of the idle housing that they originally lived in the city by renting or selling. It is suitable for the elderly who have a certain financial strength, like to be close to nature and do not want to be too far away from home. In fact, the pension community mentioned by Zhou Fangyuan is similar to this base pension model, but the community sounds better than the base.

In addition, there are many pension models such as tourism pension, co-living pension, centralized pension, bequest support, rental pension, small family pension, monetized pension and so on.

Of course, this is a comprehensive pension plan of many countries, and the final result is that each country generally has a pension plan.

In fact, many people are most curious about the pension model of the United States, after all, in recent decades, from being longed for by the Chinese people, to being scrutinized by the Chinese people, our eyes have almost always been on the old rice, and the system of the old rice is relatively the most concerned.

In terms of the construction of home care service system, Mi Guo has indeed accumulated considerable experience. In the United States, the community has a strong function of helping the elderly, so that the elderly in the United States can settle their hearts and minds, and realize the goal of "safe care, happy life, good death" for the elderly, so most of the elderly in the United States choose the community pension model.

There are several practices for community home care services in the United States:

The first is a "retirement home" with complete facilities and thoughtful services. Facilities include an infirmary, library, computer lab, gymnasium, laundry, emergency call system, etc. Services include dining, cleaning rooms, organising events, travel arrangements, etc.

The second is the "elderly care center" of the daycare system, which is active in the center during the day and goes home to rest at night. The center is also well-equipped and provides star services. One bed per person in the living room, one room per person. There is also a reading room, a health room, and an activity room. In addition to not having to worry about three meals a day, the elderly can also read, socialize, make handicrafts, and spend their old age in peace.

The third is to organize "mutual assistance for the elderly". Let the elderly partner and help each other to care for the elderly.

The fourth is to provide door-to-door service. The government of the United States has a welfare home care program: the government finances the family health nurses to provide services for the elderly in need. Home health nurses are different from nannies in that they not only cook, do laundry, and clean for the elderly, but also have nursing knowledge. But the premise is that the citizens of the United States have a permanent green card to enjoy these benefits. Chinese elderly people who immigrate to the United States generally apply for green cards through their children. The elderly live after they have reached the age of Mi nationality. You can enjoy all the benefits of the old people in the United States, more than 700 US dollars per month, housing insurance, etc. are all national affairs.

The family caregiver system in the United States supports the home-based care model, and the truly high-quality and guaranteed elderly care must achieve the "four-in-one" of material security, care security, medical security and spiritual security.

A home care worker is a middleman between a domestic helper and a professional nurse, and her main job is to take care of the lonely elderly, the disabled, and the chronically ill who live at home or in a residential care center. For example, in New York, there is a care center in each borough, and the center manages and deploys caregivers. Based on the health status and self-care ability of the elderly, the center determines the number of days that the caregiver will spend in the client's home. Under normal circumstances, if the elderly are in good health and have the ability to take care of themselves, they will be arranged three days a week, and the caregivers will work at 8 a.m. and leave work at 6 p.m., for 8 to 12 hours a day; if there is a sudden illness or accidental injury, the nursing center will adjust the number of days that the caregivers work for; for the elderly who are in poor health and have no ability to take care of themselves, they are accompanied by caregivers every day.

Every day, when the caregiver goes to the client's home, she calls the care center to report to the care center, stating that she has arrived at the client's home. At the same time, the management staff of the nursing center often goes to the service users' homes to understand the performance of the nursing staff, and solicits the opinions and suggestions of the service object on the nursing staff and nursing work, praises and rewards the nursing staff with good performance in a timely manner, and gives appropriate criticism, education or punishment to the nursing staff with poor performance. Caregivers are generally paid between $6 and $12 per hour, and are paid by the care center, not the client.

The United States also has the world's largest non-profit elderly care institution "Home Care Home", with 5,000 community branches in 50 states, and the largest volunteer team in the United States, with 800,000 to 1.2 million volunteers delivering more than 1 million hot meals to the homes of the elderly who have difficulty moving or cannot solve their own dietary problems every day.

The global community has gradually reached a consensus on "community pension", and it has become a trend to build a "pension community". The community home care in the United States is a model of "quality care", and its high-quality service and quality life make people feel that they are aging quickly. The elderly pay according to their own income, and the difference is made up by the financial subsidies and social donations of the federal government, which reflects the government's pension responsibility and the humane care of the society.

The pension system in the United States is also very interesting.

First of all, there is no saying in the United States that "raising children to prevent old age" means that parents will not give everything they have for their children, nor will they expect their children to die in old age, and they want to be "gnawing at the elderly"? Second, those who live in nursing homes are all lonely and widowed elderly people or because their children are not filial? It is even more wrong. Nursing homes are an inevitable choice for the elderly after entering the old age, and they are an inseparable part of the social welfare system in the United States.

As one of the earliest countries in the world to establish an old-age insurance system, the United States promulgated the "Social Security Act" in 1935 as the country's main old-age security system, but due to financial difficulties and the aging of the baby boomer generation, relying solely on the government's old-age security model began to appear in crisis. After continuous development and adjustment, the United States has gradually formed a "three-pillar" pension insurance system: the national basic pension insurance, employer pension insurance and personal pension insurance will organically combine the government, employers and employees, clarify the division of pension responsibilities, pension has become the common responsibility of individuals, enterprises and the government, and the perfect pension system ensures that the old have something to rely on and the old have support.

There are many levels of nursing homes or elderly activity centers in the United States to meet the needs of different classes. Most nursing homes will choose a convenient geographical location, surrounded by supermarkets and close to the hospital, and rich activity facilities, generally have computer rooms, dance halls, newspaper rooms, art rooms, fitness rooms, etc.: some nursing homes also open a variety of classes, such as yoga classes, bodybuilding classes, tai chi classes, choir classes, etc.; there will be some activities on a regular basis, such as watching movies, short outings, dance parties, etc., as well as irregular physical examinations, haircuts and other activities.

There are generally three types of apartments for the elderly in the United States: one is the self-occupied elderly apartment, which is designed for the elderly who can take care of themselves, with living facilities and rich entertainment facilities: the second is the accompanying elderly apartment, which does not require 24-hour medical care, but has indoor cleaning, Services such as dressing, bathing and meals, and the third is the special care apartment for the elderly, which provides a comprehensive range of medical services, from traditional medical rooms to special care rooms for elderly patients with dementia or cancer.

The baby boom after World War II has caused the population to age rapidly in the past few decades, and the demand for senior living communities in the United States has also grown rapidly, and the demand will continue to grow in the next decade, and the supply of the nursing home market will exceed supply.

And this is really the problem that our country is about to face, so the pension community or something, in our country is also bound to become popular, how to grasp this trend, how to accurately position themselves in this trend, is the problem that Mr. Wang needs to think about. As a joint project to be launched, Yuanfang Group will be responsible for all civil construction work. Mr. Wang is responsible for the insurance business and the liaison of medical services. The final publicity and promotion still fall on the head of Yuanfang Group, including the final property management is also the supply of Yuanfang Group.

But this is a big project, and it is obviously not appropriate to rely on only two companies, so both sides still need to bring in as many people as possible to share the risk and improve their competitiveness. Of course, this is the next story, now, Mr. Wang has actually started the project, although he is the chairman of Huatai, but the changes in the company's business need to be on the board of directors, there is still a lot of preparatory work, all Zhou Fangyuan is currently quite easy.

……

"This is what I said about the insurance project, the organic combination of insurance and pension and medical care, now in foreign countries, has quite a prototype, there is no similar model in China, we are also trying. Grandpa, if you want to live with other grandparents in the future, why don't you think about this model?"

Zhou Fangyuan said with a smile.

Everyone else was lost in thought, especially the old man.

The biggest advantage of this model, on the one hand, is that the medical service is fast and fast, and there are resident doctors in the community; secondly, the small social model, although it is a closed and semi-closed area, but because the area inside is large enough, the living facilities are perfect, so the elderly can meet all their living needs in such an area, and the old man will not feel lonely, because he is surrounded by all the old people of the same age, and there will be a lot of common language, which is much more advanced than a single home care or a small-scale nursing home。

Of course, the corresponding expenses will be greater, so the people who can move in are basically the elderly who have more fuel money. Here, if the grandfather has the will, he can bear the insurance cost, compared with the old man's previous plan, the current phone bill is undoubtedly a lot less, and the second uncle's attitude of refusal is naturally not as tough as just now.