How can people live without a pension?

It can be said that except for cadres in government agencies and institutions, they have pensions after retirement, and most people have no pensions. Even if the rural old-age security work is rolled out from 20 1 1 nationwide, rural residents can receive a certain amount of old-age insurance as long as they pay the old-age insurance premium for more than 15 years every year. In addition, the old-age insurance for urban residents implemented before can be said that the national policy is getting better and better. At present, old-age insurance has covered urban and rural residents. However, the treatment received at the end of the year is not high, and it is still difficult to rely on it to support the elderly.

How can people live without a pension? I think everyone's life is different. There are mainly the following aspects.

1. Save enough money for retirement when you are young. When you are healthy, young and energetic, you should pay more, find more opportunities to make money, work harder, and earn more money without fear of bloodshed and sweat. In addition to living expenses, supporting the elderly, raising children and other necessary expenses, we should also try to save some money for the elderly every month. At the same time, while making money, we should also pay attention to good health and combine work and rest. We should not make money at the expense of health, nor should we make money by illegal means.

Second, pay more endowment insurance. The current endowment insurance for urban and rural residents encourages overpayment and long-term payment. Therefore, when you are young, if economic conditions permit, you should pay more pension insurance, not only for fifteen years, but also for a long time. In this way, even if there is no pension when you are old, the old-age care is guaranteed.

Third, do something within your power. After you are 60, you will have no pension. If your body permits, you can do something to change your living expenses as much as possible. For example, my parents are 65 years old and have no pension. They have been used to it all their lives and can't be idle. They grow crops all day to buy food, raise pigs and chickens, and besides keeping some, they can also buy money. Sometimes they go to the mountains to find wild mushrooms and dig up medicinal materials to buy money. In addition to maintaining basic living, they save some money every year.

Fourth, if it is really difficult, you can apply for assistance. Now the national policy is very good. Civil affairs departments pay special attention to vulnerable groups, the elderly, the sick and the disabled. If you are in poor health, your children's economic conditions are not good, and life is really difficult, you can apply to the local government for temporary assistance or urban and rural minimum living security.

Verb (abbreviation of verb) Parents who are supported by their children have the responsibility to support their children. When parents are old, children have the obligation to support their parents. If you are old and in poor health, you will stay at home for the elderly and your children will take care of your daily life. If they need money, they will be responsible. If there are no children, after the age of 60, the government will arrange to live in nursing homes and nursing homes in a unified way, with specialized personnel to take care of them.

In short, everyone's lifestyle is different. Not that you can't live without a pension. The solution is always more difficult than the reality. If you don't have a pension, you can save your own money for the elderly, pay more pension insurance, receive a pension when you are old, rely on your children for the elderly, accept government assistance or arrange for the elderly.

There are too many people without pensions now, because there are too many people without formal jobs. The so-called formal work is either a public institution, an enterprise or a state-owned enterprise. Nowadays, a large number of people are working in private enterprises, that is, working and employees. There are also some odd jobs, such as working in restaurants, self-employed, construction workers, and most migrant workers are employed. In this case, it is even more impossible to have pensions.

There are farmers engaged in agriculture in China, because they are not recognized as occupations. After all, the land is contracted, so except for a few, most of them have no pension. So I have been living a frugal life. Fortunately, my family has some land, grow some crops and vegetables, and basically solve it by eating this piece. Then I will do a little business, sell vegetables and fruits in the market and the city, and earn some spare money. In addition, some young people work outside, and they may also save some money. Otherwise, there are really no other sources of income, and there are too few ways to make money. Advice is hard to listen to, but truth is hard to listen to. Not many people rely on their children to provide for the elderly. If they don't help their children, it will burn incense.

It is more difficult for cities to have no pension, because there are fewer choices. For example, rural residents, assuming that they can't afford to buy a house in the city, build a house in the countryside, which the city does not have. When I grow up, once my parents can't afford a house or even a down payment, they can only rent a house or a low-rent house. In fact, I have always felt that low-rent housing is quite affordable. I can live in a big house with very little money. The country has thought of everything that should be thought of. It is impossible to let ordinary people sleep on the streets like western countries. But many people don't appreciate it, don't buy it, and feel that no matter how cheap it is, it's not their own, so some people find it difficult to pay the down payment, and they have to face the pain.

Especially those who have no pension, after hollowing out their old children, they still do odd jobs, set up stalls and make a living. Of course, life is very tight, but they can't make ends meet, which seems to be more stressful than living in the countryside. Because there is no land, although urban residents can't grow crops relatively, a large part of them can easily organize small vegetable gardens, but there is no land, so the pressure is greater than that in rural areas under the same circumstances. Those who have insurance may want to get some social security every month when they are old. Anyway, it is possible. Although many families are under pressure, they can barely get along. As long as they are not too lazy to lift their pants, at least they can eat hard.

No children? Not alive? Everyone in our countryside still has to live. Workers need a pension when they retire. Farmers used to give their mothers money for farming, but they didn't say they wanted a pension.

It is really a problem to have no pension at retirement age. No matter how many pensions there are, it is also the minimum living guarantee for the elderly. As far as I know, quite a few freelancers have no pension insurance. When they reach the age, they have no ability to make money. Having children and filial piety, no problem. On the contrary, it can only be the bleak evening.

I know a sister in Jilin who is good at drawing and writing. When I was young, my husband went to work and my eldest sister took care of housework and children at home. When she is free, she can earn some money by painting some pictures, so that the family can get by. But now, my sister is over 60 years old. She has been busy with housework for so many years that her painting level has not improved at all. In addition, the current market is not good, and it is not easy to realize it. My husband retired from the factory with a low pension and diabetes. My three children are not well. My sister often calls me, and I can't solve the problem by buying some of her paintings occasionally.

Big sister is a warm-hearted person. She usually loves to make friends and adds a lot of WeChat groups. So I suggested that she build her own group and do calligraphy and painting auctions in the group. Of course, the turnover of her own works is very limited, so I mobilized some of my painter friends to provide her with works, ensuring that she has sufficient supply.

For more than a year, eldest sister has worked very hard, and she has to be busy until eleven or twelve every night, which is very hard.

The best way is to prepare for a rainy day and consider the issue of providing for the aged when you are young, especially for freelancers. Only by making their own pension plans can you have a solid old age. Those who have no pension will continue to work if they can, and those who lose their ability to work will save some money and move forward. Those who are not enough rely on children, and those who have no children rely on state assistance to enter nursing homes.

Now you can get social security at the age of 60, and you can get medical security even if you are sick. ...

People without pensions don't worry about their future life at all. It is a good system of our socialist country and the concern of the party and the country.

In short, it is a good society and a good country that has built a perfect pension system.

Many netizens say that many young people don't pay old-age insurance now. Don't they consider life after old age? Indeed, at the end of 20 18, there were 775.86 million employees in China, only 3010.04 million employees participated in the basic old-age insurance, and the coverage rate of employee old-age insurance was 38.8%. If the pension is not enough, how can life be guaranteed when you are old?

What models can there be for providing for the aged? In fact, in order to achieve full coverage of old-age insurance, the state has established old-age insurance for urban and rural residents in addition to employee old-age insurance. In 20 18, the number of people covered by national endowment insurance was 942.93 million, including retirees.

However, the payment grade of urban and rural residents' endowment insurance is low, with the lowest 100 yuan per year; Average pension benefits are also low. According to the data released by the press conference in Ministry of Human Resources and Social Security, the pension benefits for urban and rural residents from 2065438 to the end of July 2009 were only monthly 162 yuan. With such a low pension, it is certainly impossible to support the elderly.

Without employee pension, there are mainly several pension modes:

First, children provide for the elderly. Supporting the elderly has been a tradition in China for thousands of years. With the implementation of the one-child policy, people have become like their children. According to the marriage law, children have the obligation to support the elderly. The most important thing to support the elderly is to pay alimony to the elderly according to family income. If the child has no ability to work and the family is in a low-income state, then the child is considered to have no ability to support. If a child refuses to perform his maintenance obligations, how can he sue through the court?

Second, old-age savings. The burden of raising children is very heavy, and many one-child families have some savings to some extent. When you are old, you should use disease prevention and pension expenses. In fact, according to the current planning level, a monthly pension of 2,000 yuan will be needed, and 480,000 yuan will be needed in 20 years. I believe not many people can save it.

However, some smart old people took advantage of the low housing prices in the past to buy multiple houses. Houses can be rented out in exchange for rental income for old-age care, or they can be exchanged for old-age care through reverse mortgage.

Third, work for the elderly. If the family situation has been not optimistic, I have raised many children. When children grow up, they have little savings. In this case, you can only live to be old and dry. In fact, many old people still have a certain ability to work when they reach retirement age, and they don't want to be idle. Many people are willing to continue working. After retiring at the age of 55, my mother worked as a sanitation worker for five or six years. Although extremely tired, her salary is only 1000 yuan, but she still enjoys it. A friend's father is a janitor, more than 2000 a month. It is enough for husband and wife to eat and drink.

Fourth, low-income pensions. Low-income pension is the last guarantee of society. If we don't have the ability to support, we don't have much savings at home, and we want to work but we don't have the ability to work, then we can apply for subsistence allowances. This is the guarantee of the state, and the elderly who are lonely in rural areas can apply for five guarantees. Parents of the only child in rural areas now receive a monthly pension allowance from 80 yuan.

Of course, there are also poor lifestyles and rich pension routes. Anyway, many old people have their own lifestyles, and we don't seem to need to worry too much. But in order to have a more decent life when you are old, it is better to participate in an employee pension insurance. After all, this is the guarantee of stability.

There is no pension, and there are some elderly women in cities, unemployed people who do not pay social security, and farmers in rural areas.

1. Why don't these people have pensions? My brother's wife lives in the countryside. A long time ago, when her mother was a farmer, she actively participated in social security, and many people laughed at her. However, people have a strong opinion. After paying a certain number of years, I later paid a piece of retirement. The first month's pension was less than 800 yuan, and now the annual salary has tilted to more than 2,000 yuan. Those who laughed at her in those days will never laugh again.

Sometimes, people's thoughts decide their fate. I don't know if you agree. Save some money to pay social security every year, and it is you who are guaranteed in your later years. Sometimes, don't calculate this account too carefully, so you may get more.

Second, how to live without a pension? All the above "nonsense" shows the importance of paying social security. Urban and rural residents are the same. If they don't pay, there will be no pension. There are not a few such people. How can they live in the future?

In short, a person should not always think about the present for the rest of his life, and make plans for his future pension life as soon as possible. Old people should not pin all their hopes on raising children and preventing old age, but should make more preparations. Ancient people thought of leaving a "coffin book" in middle age. Why can't modern people figure out what to do when they get old? Not many elderly people do a good job of "preventing old age" in advance. Everyone should learn from experience. In fact, they are the reliance of providing for the aged.

I am from the countryside, and I am familiar with the situation of farmers.

Farmers have no pension. For a farmer, there is no such word as "retirement". As long as he can move, he will work. Can't do heavy work and light work; Can't do field homework, do homework.

Farmers are old and really can't move. Their descendants provide food and drinks, see doctors and take medicine. Until I die.

In my opinion, in order to spend their old age safely, these people without pensions should be prepared in these aspects:

First, make sure you have a good figure and make money within your power.

You can't work hard to earn pension money, and you can't subsidize your children and grandchildren. For example, if some people work in two shifts, the loss will outweigh the gain. Although you earn a few dollars, it will ruin your health. In the future, their descendants will also resent it and suffer for themselves. This is absolutely unacceptable.

Second, we should really know ourselves, what advantages and disadvantages we have, and which industry we are best at. Find a small business with small capital and suitable for providing for the aged, and you can always live and die. You can choose something to support yourself and protect your consumption. For example, in my hometown, there are several old people, some selling rapeseed and some selling small department stores. They drive tricycles to the market every day and were still doing business two or three days before they died. Although they don't earn much money, they can spend enough for themselves and adjust their spiritual life. I think their choice is the wisest.

Third, life should be as simple as possible, not pursuing flashy things, spending should be rational and planned, you can't compare with others and have no opinions, and try to save a few pension money to prevent accidents.

Four, as long as you have the ability, unless you are seriously ill and can't take care of yourself, generally try not to involve your children and grandchildren.

Fifth, we should have a healthy attitude. No matter how rich people are, they eat three meals a day. No matter how many rooms there are, sleeping should occupy two or three square spaces. Don't underestimate yourself, live in peace every day and put aside your troubles. Don't sell yourself short, break the jar and break it, it will hurt yourself and your family.

The above is my idea, right and wrong, I hope all friends can discuss it!