{"id":209209,"date":"2021-10-26T22:46:21","date_gmt":"2021-10-27T05:46:21","guid":{"rendered":"https:\/\/newsforchinese.com\/v3\/?p=209209"},"modified":"2021-10-26T22:58:11","modified_gmt":"2021-10-27T05:58:11","slug":"%e5%9c%a8%e7%be%8e%e5%9c%8b%ef%bc%8c%e9%80%80%e4%bc%91%e4%b9%8b%e5%be%8c%e5%a6%82%e4%bd%95%e9%a4%8a%e8%80%81%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2021\/10\/26\/%e5%9c%a8%e7%be%8e%e5%9c%8b%ef%bc%8c%e9%80%80%e4%bc%91%e4%b9%8b%e5%be%8c%e5%a6%82%e4%bd%95%e9%a4%8a%e8%80%81%ef%bc%9f\/","title":{"rendered":"\u5728\u7f8e\u570b\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\uff1f"},"content":{"rendered":"\n<p>\u6309\u7167\u4fdd\u96aa\u516c\u53f8\u767c\u5e03\u7684\u6700\u65b0\u6578\u64da\uff0c\u5982\u4eca\u7f8e\u570b\u4eba\u4e2d\uff0c65\u6b72\u7684\u7537\u6027\u6709\u4e00\u534a\u7684\u6a5f\u7387\u80fd\u6d3b\u523085\u6b72\uff0c1\/4\u7684\u6a5f\u7387\u6d3b\u523092\u6b72\uff1b65\u6b72\u7684\u5973\u6027\u6709\u4e00\u534a\u7684\u6a5f\u7387\u80fd\u6d3b\u523088\u6b72\uff0c1\/4\u7684\u6a5f\u7387\u6d3b\u523094\u6b72\u3002<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>\u96a8\u8457\u4eba\u5011\u58fd\u547d\u7684\u589e\u52a0\uff0c\u9000\u4f11\u4e4b\u5f8c\u5982\u4f55\u990a\u8001\u5c31\u6210\u4e86\u4eba\u5011\u5fc5\u9808\u8981\u9762\u81e8\u7684\u554f\u984c\u3002<\/p>\n\n\n\n<p>\u5927\u5bb6\u5148\u4f86\u4e86\u89e3\u4e00\u4e0b\u7f8e\u570b\u9000\u4f11\u8a08\u5283\u7684\u4e09\u5927\u4e3b\u8981\u9ad4\u7cfb\uff1a\u793e\u6703\u5b89\u5168\u4fdd\u96aa\u91d1(Social Security Tax)\uff0c\u516c\u53f8\u548c\u653f\u5e9c\u7684\u9000\u4f11\u91d1(Pension Plan)\u53ca\u500b\u4eba\u9000\u4f11\u91d1\u8a08\u5283 (401k, IRA\u7b49)\u3002<\/p>\n\n\n\n<p><strong>01. Social Security Tax  \u793e\u6703\u5b89\u5168\u4fdd\u96aa\u91d1<\/strong><\/p>\n\n\n\n<p>\u9019\u9805\u9ad4\u4fc2\u662f\u7531\u806f\u90a6\u653f\u5e9c\u4e3b\u5c0e\u4e26\u5f37\u5236\u5be6\u65bd\u7684\u9000\u4f11\u91d1\u5236\u5ea6\uff0c\u6240\u6709\u516c\u53f8\u50f1\u54e1\u90fd\u9700\u5f37\u5236\u53c3\u8207\u3002\u8a08\u7b97\u65b9\u5f0f\u662f\u5c07\u7a05\u524d\u6536\u5165\u7684\u4e00\u5b9a\u6bd4\u4f8b(\u76ee\u524d\u662f6.2%)\u4ea4\u7d66\u7f8e\u570b\u653f\u5e9c\uff0c\u5728\u6bcf\u500b\u6708\u7684\u85aa\u6c34\u55ae\u4e2d\u53ef\u4ee5\u770b\u5230\u5b83\u7684\u81ea\u52d5\u6263\u9664\u3002\u5176\u4e2d\u9700\u8981\u4ea4\u7a05\u7684\u6536\u5165\u6703\u6709\u4e00\u500b\u4e0a\u9650\uff0c\u8d85\u51fa\u90e8\u5206\u5247\u7121\u9700\u7e73\u7a05\uff0c\u9019\u4e00\u4e0a\u7dda\u6703\u6839\u64da\u901a\u8ca8\u81a8\u8139\u7387\u505a\u51fa\u76f8\u61c9\u8abf\u6574\uff0c \u59822018\u5e74\u70ba$128,400\uff0c2019\u5e74\u70ba$132,900\u3002\u53c3\u8207\u7e73\u8cbb\u7684\u6c11\u773e\u5728\u7d2f\u8a08\u4ea4\u6eff40\u500b\u5b63\u5ea6(\u537310\u5e74)\u5f8c\uff0c\u5728\u9000\u4f11\u5f8c\u5c31\u53ef\u9818\u53d6\u76f8\u61c9\u7684\u9000\u4f11\u798f\u5229\u4e86\u3002<\/p>\n\n\n\n<p>02. Pensio<strong>n Plan   \u516c\u53f8\u548c\u653f\u5e9c\u7684\u9000\u4f11\u91d1<\/strong><\/p>\n\n\n\n<p>\u9000\u4f11\u91d1\u4e0d\u9700\u8981\u516c\u53f8\u548c\u653f\u5e9c\u7684\u50f1\u54e1\u53c3\u8207\u4ea4\u9322\uff0c\u6240\u6709\u8cbb\u7528\u548c\u798f\u5229\u7531\u516c\u53f8\u548c\u653f\u5e9c\u55ae\u65b9\u9762\u8ca0\u8cac\u627f\u64d4\u548c\u7d93\u71df\u3002<\/p>\n\n\n\n<p><strong>03. 401k,  IRA    \u500b\u4eba\u9000\u4f11\u8a08\u5283<\/strong><\/p>\n\n\n\n<p>\u9700\u8981\u54e1\u5de5\u81ea\u5df1\u5b58\u9322\u9032401k\u8cec\u6236\u88e1\u9762\uff0c\u9019\u500b\u90e8\u5206\u662f\u770b\u500b\u4eba\u60f3\u8981\u5b58\u5165\u85aa\u6c34\u7684\u767e\u5206\u6bd4\u6216\u6578\u984d\uff0c\u518d\u5728\u6bcf\u6708\u7684\u85aa\u6c34\u55ae\u4e2d\u6263\u9664\u7684\u3002\u76f8\u7576\u591a\u7684\u516c\u53f8\u4ee5401k match\u70ba\u798f\u5229\u5e6b\u52a9\u54e1\u5de5\u5b58\u9322\uff0c\u610f\u601d\u662f\u54e1\u5de5\u5b58\u5165\u4e00\u7b46\u9322\u9032\u81ea\u5df1\u7684401k\u8cec\u6236\uff0c\u516c\u53f8\u5b58\u5165\u76f8\u540c\u6578\u984d\u6216\u540c\u6a23\u6bd4\u4f8b\u7684\u9322\u3002\u4f8b\u5982\u54e1\u5de5\u6bcf\u6708\u85aa\u6c34$3000, \u8a08\u5283\u5b583%\u5230401K\uff08\u4e5f\u5c31\u662f$90\uff09\uff0c\u516c\u53f8\u4e5f\u5c31\u6703\u5e6b\u4f60\u5b583%\u53bbmatch\u4f60\u7684\u984d\u5ea6\u3002<\/p>\n\n\n\n<p>\u53e6\u4e00\u500bIRA\uff0c\u53c8\u53ebIndividual Retirement Account\uff0c\u662f\u53e6\u4e00\u7a2e\u7f8e\u570b\u4eba\u7ba1\u7406\u9000\u4f11\u91d1\u7684\u5e38\u7528\u5e33\u6236\u985e\u5225\u3002\u9019\u662f\u7531\u500b\u4eba\u8ca0\u8cac\uff0c\u81ea\u9858\u53c3\u52a0\u7684\u500b\u4eba\u5132\u84c4\u990a\u8001\u4fdd\u96aa\u5236\u5ea6\u3002<\/p>\n\n\n\n<p>\u27a4401K\u8207IRA\u53c8\u5404\u81ea\u5206\u70ba\u50b3\u7d71\u578b\u548c\u7f85\u65af\u578b<\/p>\n\n\n\n<p>\u25cf\u50b3\u7d71\u578bTraditional\uff1a\u5148\u5b58\u9322\uff0c\u5b58\u5165\u7684\u9322\u53ef\u4ee5\u62b5\u7576\u5e74\u500b\u4eba\u6240\u5f97\u7a05 (Pre-Tax)\uff0c\u672a\u4f86\u63d0\u53d6\u6642\u518d\u7e73\u4ea4\u500b\u4eba\u6240\u5f97\u7a05\uff0c\u53ef\u4ee5\u4eab\u6709\u5ef6\u9072\u7d0d\u7a05Tax Deferral\u7684\u597d\u8655\u3002<\/p>\n\n\n\n<p>\u25cf\u7f85\u65af\u578bRoth\uff1a\u9700\u5148\u7e73\u4ea4\u500b\u4eba\u6240\u5f97\u7a05\u624d\u80fd\u5b58\u5165\uff0c\u5b58\u5165\u7684\u9322\u4e0d\u80fd\u62b5\u7576\u5e74\u500b\u4eba\u6240\u5f97\u7a05 (After-TAX)\uff0c\u53d6\u51fa\u6642\u7121\u9808\u518d\u4ea4\u7a05\u3002<\/p>\n\n\n\n<p><strong>401K\u3001Roth 401K \u3001IRA\u3001Roth IRA \u7684\u6bd4\u8f03<\/strong>\u3002<\/p>\n\n\n\n<p>410K\u548cIRA\u90fd\u6709\u5404\u81ea\u7684\u7279\u9ede\u548c\u4e00\u5b9a\u7a05\u4e0a\u7684\u597d\u8655\uff0c\u4f46\u662f410K\u548cIRA\u90fd\u662f\u901a\u904e\u7279\u5b9a\u7684\u91d1\u878d\u6a5f\u69cb\u4f86\u7ba1\u7406 (401K \u7531\u96c7\u4e3b\u6311\u9078\uff0cIRA\u7531\u54e1\u5de5\u81ea\u5df1\u6311\u9078)\u3002\u6bcf\u500b\u6708\u5c07\u9322\u5b58\u5165\u9000\u4f11\u8cec\u6236\u5f8c\uff0c\u50f1\u54e1\u53ef\u81ea\u4e3b\u9078\u64c7\u6295\u8cc7\u5e02\u5834\u8207\u7522\u54c1\u7d44\u5408\uff0c\u4e26\u81ea\u884c\u627f\u64d4\u6295\u8cc7\u98a8\u96aa\u76c8\u8667\u3002\u7d93\u6fdf\u597d\u7684\u6642\u5019\u9000\u4f11\u8cec\u6236\u88e1\u7684\u56de\u5831\u8c50\u539a\uff0c\u4f46\u662f\u7d93\u6fdf\u4e0d\u597d\u5e02\u5834\u4e0b\u8dcc\u6642\u5247\u5f88\u6709\u53ef\u80fd\u640d\u5931\u6158\u91cd\u3002\u4e26\u4e14410k\u548cIRA\u8cec\u6236\u88e1\u7684\u9322\u4e26\u4e0d\u80fd\u4fdd\u8b49\u81ea\u5df1\u9000\u4f11\u4e4b\u5f8c\u53ef\u4ee5\u9818\u53d6\u4e00\u8f29\u5b50\u3002<\/p>\n\n\n\n<p><strong>\u5e74\u91d1<\/strong><\/p>\n\n\n\n<p>\u5982\u679c\u80fd\u6709\u4e00\u7a2e\u9000\u4f11\u8a08\u5283\u7522\u54c1\u80fd\u4fdd\u8b49\u5728\u9000\u4f11\u4e4b\u5f8c\uff0c\u7121\u8ad6\u5e02\u5834\u60c5\u6cc1\u5982\u4f55\uff0c\u6bcf\u5e74\u90fd\u53ef\u4ee5\u56fa\u5b9a\u9818\u53d6\u81f3\u5c11\u4e00\u5b9a\u91d1\u984d\u7684\u990a\u8001\u91d1\uff0c\u671f\u9650\u662f\u4e00\u8f29\u5b50\u90a3\u8a72\u591a\u597d\uff01\u5982\u679c\u5728\u81ea\u5df1\u53bb\u4e16\u4e4b\u524d\u9084\u6c92\u6709\u9818\u5b8c\u7684\u8a71\uff0c\u9084\u53ef\u4ee5\u628a\u5269\u4e0b\u7684\u9322\u50b3\u627f\u7d66\u81ea\u5df1\u7684\u5bb6\u4eba\uff0c\u8c48\u4e0d\u662f\u66f4\u597d\uff1f\u9019\u6642\uff0c\u4fdd\u96aa\u516c\u53f8\u7684\u5e74\u91d1\u5c31\u6d3e\u4e0a\u4e86\u7528\u5834\u3002<\/p>\n\n\n\n<p>\u5e74\u91d1Annuity\u662f\u4e00\u7a2e\u4fdd\u96aa\u7522\u54c1\uff0c\u662f\u500b\u4eba\u6216\u516c\u53f8\u8207\u4fdd\u96aa\u516c\u53f8\u4e4b\u9593\u7684\u4e00\u500b\u5408\u540c\uff0c\u7531\u4eba\u58fd\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u4e00\u7a2e\u9000\u4f11\u5132\u84c4\u5de5\u5177\u3002<\/p>\n\n\n\n<p><strong>\u512a\u52e2\u4e00<\/strong><\/p>\n\n\n\n<p>\u9019\u4e5f\u662f\u5176\u6700\u5927\u512a\u52e2\uff0c\u70ba\u53ef\u4ee5\u5ef6\u7a05tax-deferral (\u4e0d\u53ef\u62b5\u7a05)\uff0c\u5373\u8cec\u6236\u88e1\u7684\u9322\u8207\u6295\u8cc7\u6536\u76ca(\u5229\u606f\u3001\u80a1\u606f\u3001\u8cc7\u672c\u5229\u5f97)\u53ef\u514d\u7a05\u7a4d\u7d2f\u3002\u653e\u9032\u5e33\u6236\u88e1\u7684\u9322\uff0c\u53ea\u8981\u4e0d\u62ff\u51fa\u4f86\u5c31\u4e0d\u7528\u4ea4\u7a05\uff0c\u76f4\u5230\u9818\u53d6\u990a\u8001\u91d1\u6642\u624d\u9700\u8981\u4ea4\u7a05\u3002<\/p>\n\n\n\n<p><strong>\u512a\u52e2\u4e8c<\/strong><\/p>\n\n\n\n<p>\u5728\u5e74\u91d1\u4e2d\uff0c\u653e\u591a\u5c11\u9322\u9032\u53bb\u4e26\u7121\u4e0a\u9650\uff0c\u4e5f\u4e0d\u53d7\u5e02\u5834\u6ce2\u52d5\u7684\u5f71\u97ff\uff0c\u662f\u76f8\u5c0d\u6bd4\u8f03\u4fdd\u5b88\u7a69\u91cd\u7684\u9000\u4f11\u8a08\u5283\u7522\u54c1\u3002<\/p>\n\n\n\n<p><strong>\u512a\u52e2\u4e09<\/strong><\/p>\n\n\n\n<p>\u5728\u5176\u4ed6\u9000\u4f11\u8cec\u6236\u7684\u9322\uff0c\u53ef\u4ee5\u4e00\u6b21\u6027\u8f49\u9032\u5e74\u91d1\u88e1\u9762\uff0c\u6bd4\u5982401K, IRA\u7b49\u8cec\u6236\u7684\u7d2f\u7a4d\u3002\u5f88\u591a\u5e74\u91d1\u7522\u54c1\u6839\u64da\u4ea4\u4fdd\u8cbb\u7684\u5177\u9ad4\u5e74\u9650\uff0c\u6703\u5728\u7b2c\u4e00\u5e74\u6216\u662f\u9023\u7e8c\u5f88\u591a\u5e74\u7d66\u7d05\u5229\uff0c\u518d\u5728\u63a5\u4e0b\u4f86\u7684\u6bcf\u4e00\u5e74\u88e1\u9762\u7d66\u5230\u4e0d\u932f\u7684\u5229\u606f\u3002<\/p>\n\n\n\n<p><strong>\u512a\u52e2\u56db<\/strong><\/p>\n\n\n\n<p>\u6295\u4fdd\u4eba\u4e00\u6b21\u6027\u4ed8\u6b3eSingle Premium\u6216\u5206\u671f\u4ed8\u6b3eFlexible premium\u4e4b\u5f8c\uff0c\u4fdd\u96aa\u516c\u53f8\u6703\u6839\u64da\u4eba\u7684\u9810\u671f\u58fd\u547d\u548c\u6295\u4fdd\u8005\u7684\u5e74\u9f61\uff0c\u7cbe\u7b97\u51fa\u6bcf\u5e74\u61c9\u652f\u4ed8\u6295\u4fdd\u8005\u591a\u5c11\u9322\u3002\u4fdd\u96aa\u516c\u53f8\u5230\u898f\u5b9a\u7684\u6642\u9593\uff0c\u6703\u958b\u59cb\u5411\u6295\u4fdd\u4eba\u767c\u653e\u5e74\u91d1\uff0c\u6216\u662f\u4e00\u6bb5\u6642\u9593\uff0c\u6216\u662f\u4e00\u76f4\u767c\u653e\u5230\u6295\u4fdd\u4eba\u53bb\u4e16\u70ba\u6b62\u3002\u53ea\u8981\u662f\u6295\u4fdd\u4eba\u9084\u6d3b\u8457\uff0c\u54ea\u6015\u662f\u6295\u4fdd\u4eba\u5e74\u91d1\u8cec\u6236\u88e1\u7684\u9322\u5df2\u7d93\u7528\u5149\u4e86\uff0c\u4fdd\u96aa\u516c\u53f8\u4e5f\u8981\u7e7c\u7e8c\u70ba\u6295\u4fdd\u4eba\u5b9a\u671f\u5b9a\u984d\u767c\u653e\u5e74\u91d1\u3002\u5982\u679c\u6295\u4fdd\u8005\u5728\u4e16\u6642\u9593\u8d85\u904e\u7f8e\u570b\u4eba\u7684\u5e73\u5747\u58fd\u547d\uff0c\u90a3\u6295\u4fdd\u8005\u5c31\u8cfa\u5230\u4e86\uff0c\u56e0\u70ba\u4fdd\u96aa\u516c\u53f8\u5fc5\u9808\u4e00\u76f4\u4ed8\u9322\u5230\u751f\u547d\u7684\u6700\u5f8c\u4e00\u5929\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4e00\u500b\u5373\u5c07\u9000\u4f11\u7684\u4eba\uff0c\u5c07\u81ea\u5df1401K \u9000\u4f11\u8cec\u6236\u7684\u9000\u4f11\u57fa\u91d1\u4e00\u7b46\u8f49\u9032\u4f86\uff0c 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2013\u5e74\uff0c65\u6b72\u4ee5\u4e0a\u7684\u7f8e\u570b\u7537\u6027\u4e4b\u4e2d\u670924%\u7684\u4eba\u4ecd\u5728\u5de5\u4f5c\uff0c65\u6b72\u4ee5\u4e0a\u7684\u5973\u6027\u4e2d\u670915%\u7684\u4eba\u4ecd\u5728\u5de5\u4f5c\u3002 \u7f8e\u570b\u793e\u6703\u4fdd\u969c\u5c40\uff08The United States Social Security Administration\uff09\u7684\u5e74\u5ea6\u7d71\u8a08\u5831\u544a\u4e5f\u986f\u793a\u4e86\u540c\u6a23\u7684\u60c5\u6cc1\u3002\u4ee5\u7537\u6027\u6578\u64da\u70ba\u4f8b\uff0c 2000\u5e74\u6642\uff0c\u670941.6%\u5e74\u6eff62\u6b72\u7684\u7f8e\u570b\u4eba\u9078\u64c7\u7533\u9818\u9000\u4f11\u91d1\uff0c\u52302012\u5e74\uff0c\u9019\u500b\u6bd4\u4f8b\u4e0b\u8dcc\u523037.2% \uff1b2000\u5e74\u6642\uff0c\u670931.7% \u9054\u5230\u6b63\u5e38\u9000\u4f11\u5e74\u9f61\u7684\u7f8e\u570b\u4eba\u958b\u59cb\u7533\u8acb\u9000\u4f11\u91d1\uff0c\u52302012\u5e74\uff0c\u9019\u500b\u6bd4\u4f8b\u70ba31.5% \u3002 \u7f8e\u570b\u9000\u4f11\u653f\u7b56\u7684\u7531\u4f86\u53ca\u5b58\u5728\u7684\u554f\u984c 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2019","format":false,"excerpt":"\u9000\u4f11\u5f8c\u5982\u4f55\u4fdd\u6301\u7a69\u5b9a\u7684\u751f\u6d3b\u8cea\u91cf\u662f\u8a31\u591a\u9032\u5165\u8001\u9f61\u793e\u6703\u7684\u570b\u5bb6\u5171\u540c\u9762\u5c0d\u7684\u554f\u984c\uff0c\u7f8e\u570b\u4e5f\u4e0d\u4f8b\u5916\u3002\u64da\u6295\u8cc7\u516c\u53f8\u5354\u6703\u7d71\u8a08\uff0c\u622a\u81f32019\u5e743\u6708\uff0c\u7f8e\u570b\u4eba\u7684\u9000\u4f11\u8cc7\u7522\u7e3d\u984d\u70ba29.1\u842c\u5104\u7f8e\u5143\uff0c\u4f54\u5bb6\u5ead\u7e3d\u8ca1\u7522\u7684\u4e09\u5206\u4e4b\u4e00\uff1b\u4ee5\u73fe\u6709\u4eba\u53e33.29\u5104\u8a08\u7b97\uff0c\u5e73\u5747\u6bcf\u4eba\u64c1\u6709\u9000\u4f11\u8cc7\u75228.8\u842c\u7f8e\u5143\u3002 \u7f8e\u570b\u76ee\u524d\u5be6\u884c\u7684\u662f\u4e09\u7ba1\u9f4a\u4e0b\u7684\u9000\u4f11\u91d1\u4fdd\u969c\u9ad4\u7cfb\uff1a\u4e00\u662f\u806f\u90a6\u653f\u5e9c\u63d0\u4f9b\u7684\u793e\u5b89\u4fdd\u969c\u91d1\uff08Social Security Benefit\uff09\u3001\u4e8c\u662f\u653f\u5e9c\u3001\u516c\u53f8\u5411\u5176\u50f1\u54e1\u63d0\u4f9b\u7684\u990a\u8001\u91d1\uff08Pension\uff09\u3001\u4e09\u662f\u50f1\u54e1\u500b\u4eba\u81ea\u5df1\u5b58\u4e0b\u7684\u9000\u4f11\u91d1\uff0c\u5305\u62ec\u5b9a\u984d\u4f9b\u6b3e\u8a08\u5283\uff08Defined contribution plan\uff0c\u5373401K\u3001403K\u7b49\uff09\u3001\u500b\u4eba\u9000\u4f11\u8cec\u6236\uff08IRA\uff09\u7b49\u3002\u6240\u4ee5\uff0c\u5728\u9000\u4f11\u8ca1\u52d9\u7684\u5b89\u6392\u4e0a\uff0c\u53ef\u4ee5\u8aaa\u662f\u653f\u5e9c\u3001\u96c7\u4e3b\u3001\u50f1\u54e1\u4e09\u8005\u5404\u51fa\u5176\u529b\u3002 \u6295\u8cc7\u516c\u53f8\u5354\u6703\uff08Investment Company Institute\uff09\u662f\u6295\u8cc7\u516c\u53f8\u3001\u57fa\u91d1\u7ba1\u7406\u516c\u53f8\u4ee5\u53ca\u6295\u8cc7\u9867\u554f\u7b49\u7684\u884c\u696d\u7d44\u7e54\uff0c\u5438\u5f15\u5927\u91cf\u990a\u8001\u91d1\u7ba1\u7406\u516c\u53f8\u53c3\u52a0\uff0c\u8a72\u5354\u6703\u767c\u5e03\u7684\u5404\u9805\u6295\u8cc7\u7ba1\u7406\u65b9\u9762\u7684\u7d71\u8a08\u6578\u64da\u5ee3\u53d7\u95dc\u6ce8\u3002\u5f9e\u6295\u8cc7\u516c\u53f8\u5354\u67032019\u5e746\u670819\u65e5\u516c\u4f48\u7684\u6709\u95dc\u7f8e\u570b\u4eba\u9000\u4f11\u91d1\u7e3d\u8cc7\u7522\u5831\u544a\u986f\u793a\u7684\u6578\u64da\u770b\uff0c\u572829.1\u842c\u5104\u7f8e\u5143\u7684\u9000\u4f11\u7e3d\u8cc7\u7522\u4e2d\uff0c\u500b\u4eba\u9000\u4f11\u8cec\u6236\u70ba9.4\u842c\u5104\u3001\u5b9a\u984d\u4f9b\u6b3e\u8a08\u5283\u70ba8.15\u842c\u5104\u7f8e\u5143\u3001\u96c7\u4e3b\u990a\u8001\u91d1\u70ba9.4\u842c\u5104\u7f8e\u5143\uff0c\u5e74\u91d1\uff08Annuity Reserves\uff09\u70ba2.1\u842c\u5104\u7f8e\u5143\u3002 \u500b\u4eba\u9000\u4f11\u8cec\u6236\u662f\u50f1\u54e1\u81ea\u5df1\u5728\u9280\u884c\u6216\u6295\u8cc7\u516c\u53f8\u958b\u8a2d\u7684\u9000\u4f11\u8cec\u6236\uff0c\u5176\u904b\u4f5c\u5b8c\u5168\u7531\u50f1\u54e1\u500b\u4eba\u81ea\u5df1\u63a7\u5236\u3002\u6839\u64da\u898f\u5b9a\uff0c\u6bcf\u5e74\u50f1\u54e1\u53ef\u4ee5\u5728\u9000\u4f11\u8cec\u6236\u4e2d\u5b58\u5165\u4e00\u5b9a\u7684\u9322\uff0c\u9019\u4e9b\u5b58\u5165\u7684\u9322\u4e0d\u5fc5\u7e73\u7d0d\u7576\u5e74\u7684\u6240\u5f97\u7a05\uff0c\u901a\u904e\u7a05\u6cd5\u7684\u512a\u60e0\uff0c\u9f13\u52f5\u50f1\u54e1\u5c07\u9322\u5b58\u5230\u9000\u4f11\u8cec\u6236\u4e2d\u4ee5\u70ba\u5c07\u4f86\u4e4b\u9700\u3002\u6839\u64da\u898f\u5b9a\uff0c2019\u5e74\u500b\u4eba\u9000\u4f11\u8cec\u6236\u53ef\u4ee5\u5b58\u5165\u7684\u514d\u7a05\u7684\u9322\u70ba6000\u7f8e\u5143\uff0c\u8d85\u904e50\u6b72\u7684\u70ba7000\u7f8e\u5143\u3002 \u5b9a\u984d\u4f9b\u6b3e\u8a08\u5283\u662f\u96c7\u4e3b\u958b\u8a2d\u7684\u50f1\u54e1\u9000\u4f11\u8cec\u6236\uff0c\u7531\u96c7\u4e3b\u63a7\u5236\uff0c\u50f1\u54e1\u53ef\u4ee5\u5c07\u5de5\u8cc7\u7684\u4e00\u90e8\u5206\u5b58\u5165\u5176\u4e2d\uff0c\u96c7\u4e3b\u5728\u50f1\u54e1\u5b58\u6b3e\u7684\u57fa\u790e\u4e0a\uff0c\u6309\u4e00\u5b9a\u7684\u6bd4\u4f8b\u5b58\u5165\u4e00\u90e8\u5206\u9322\uff0c\u4ee5\u6b64\u9f13\u52f5\u50f1\u54e1\u5b58\u6b3e\u3002\u6839\u64da\u5b9a\u984d\u4f9b\u6b3e\u8a08\u5283\u5b58\u5165\u9000\u4f11\u8cec\u6236\u7684\u9322\u4e5f\u53ef\u4ee5\u514d\u4ea4\u7576\u5e74\u6240\u5f97\u7a05\uff0c2019\u5e74\u9650\u984d\u662f1.9\u842c\u7f8e\u5143\uff0c\u8d85\u904e50\u6b72\u7684\u4eba\u53ef\u4ee5\u591a\u5b586000\u7f8e\u5143\u3002 \u990a\u8001\u91d1\u8a08\u5283\uff08Defined benefit pension plan\uff09\u662f\u96c7\u4e3b\u5728\u50f1\u54e1\u5b58\u6b3e\u7684\u60c5\u6cc1\u4e0b\uff0c\u6309\u898f\u5b9a\u5728\u50f1\u54e1\u9000\u4f11\u5f8c\u7d66\u8207\u4e00\u6b21\u6027\u990a\u8001\u91d1\u6216\u6309\u6708\u767c\u653e\u990a\u8001\u91d1\u3002\u76ee\u524d\u806f\u90a6\u3001\u5dde\u53ca\u5730\u65b9\u653f\u5e9c\u6a5f\u69cb\u516c\u52d9\u54e1\u591a\u5be6\u65bd\u990a\u8001\u91d1\u8a08\u5283\uff0c\u4e00\u4e9b\u5927\u578b\u79c1\u4eba\u516c\u53f8\u4e5f\u6709\u985e\u4f3c\u8a08\u5283\uff0c\u4f46\u8da8\u52e2\u662f\u8d8a\u4f86\u8d8a\u5c11\uff0c\u4e26\u9010\u6b65\u5411\u5b9a\u984d\u4f9b\u6b3e\u8a08\u5283\u8f49\u8b8a\u3002 \u6295\u8cc7\u516c\u53f8\u5354\u6703\u767c\u5e03\u7684\u7d71\u8a08\u6578\u64da\u986f\u793a\uff0c\u82072018\u5e74\u7b2c\u56db\u5b63\u5ea6\u76f8\u6bd4\uff0c\u5404\u985e\u9000\u4f11\u8cc7\u7522\u984d\u5747\u5728\u589e\u52a0\uff0c\u7e3d\u984d\u589e\u52a0\u4e867.4%\u3002 \u00a0 \u6587\/Xiao","rel":"","context":"In &quot;Business&quot;","block_context":{"text":"Business","link":"https:\/\/newsforchinese.com\/v3\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2019\/09\/%E7%BE%8E%E5%9C%8B%E4%BA%BA%E9%80%80%E4%BC%91%E7%B8%BD%E8%B3%87%E7%94%A229.1%E8%90%AC%E5%84%84%E7%BE%8E%E5%85%83.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2019\/09\/%E7%BE%8E%E5%9C%8B%E4%BA%BA%E9%80%80%E4%BC%91%E7%B8%BD%E8%B3%87%E7%94%A229.1%E8%90%AC%E5%84%84%E7%BE%8E%E5%85%83.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2019\/09\/%E7%BE%8E%E5%9C%8B%E4%BA%BA%E9%80%80%E4%BC%91%E7%B8%BD%E8%B3%87%E7%94%A229.1%E8%90%AC%E5%84%84%E7%BE%8E%E5%85%83.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":236160,"url":"https:\/\/newsforchinese.com\/v3\/2023\/03\/11\/%e5%9c%8b%e5%ae%b6%e4%ba%9e%e5%a4%aa%e8%80%81%e9%bd%a1%e5%8c%96%e4%b8%ad%e5%bf%83%e5%b0%88%e6%ac%84\/","url_meta":{"origin":209209,"position":4},"title":"\u570b\u5bb6\u4e9e\u592a\u8001\u9f61\u5316\u4e2d\u5fc3\u5c08\u6b04","author":"Raymond","date":"March 11, 2023","format":false,"excerpt":"\u570b\u5bb6\u4e9e\u592a\u8001\u9f61\u5316\u4e2d\u5fc3 (NAPCA) \u662f\u4e00\u5bb6\u975e\u71df\u5229\u7d44\u7e54\uff0c\u81f4\u529b\u65bc\u6539\u5584\u83ef\u88d4\u5e74\u9577\u8005\u53ca\u5176\u5bb6\u4eba\u7684\u751f\u6d3b\u8cea\u91cf\u3002 NAPCA\u7684\u5e74\u9577\u8005\u5e6b\u52a9\u4e2d\u5fc3 (NAPSAC) \u6b63\u9762\u5411\u5e74\u9577\u8005\u53ca\u5176\u770b\u8b77\u8005\u63d0\u4f9b\u591a\u8a9e\u8a00\u5e6b\u52a9\u3002\u5728\u672c\u6708\u5ea6\u5c08\u6b04\u4e2d\uff0c\u6211\u5011\u60f3\u5206\u4eab\u4e00\u4e9b\u91cd\u8981\u7684\u8b80\u8005\u63d0\u554f\uff0c\u5e0c\u671b\u5b83\u5011\u53ef\u4ee5\u5e6b\u52a9\u5230\u60a8\u3002 #1 \u554f\uff1a \u6211\u572862 \u6b72\u6642\u53ef\u4ee5\u4eab\u53d7\u54ea\u4e9b\u793e\u6703\u4fdd\u969c\u798f\u5229\uff1f\u8207 65 \u6b72\u7684\u4eba\u6536\u5230\u7684\u798f\u5229\u76f8\u6bd4\u5982\u4f55\uff1f \u7b54\uff1a \u7576\u60a8\u5e74\u6eff62\u6b72\uff0c\u60a8\u53ef\u63d0\u524d\u958b\u59cb\u9818\u53d6\u793e\u6703\u4fdd\u969c\u9000\u4f11\u91d1\u3002 \u4f46\u5982\u679c\u60a8\u5728\u5b8c\u5168\u9000\u4f11\u5e74\u9f61\u524d\u958b\u59cb\u9818\u53d6\uff0c\u6bcf\u6708\u91d1\u984d\u6839\u64da\u6240\u63d0\u524d\u7684\u5e74\u6578\u6bcf\u5e74\u6e1b\u5c118%\u3002 \u82e5\u60a8\u5728\u9054\u5230\u5b8c\u5168\u9000\u4f11\u5e74\u9f61\u6642\u958b\u59cb\u9818\u53d6\u9000\u4f11\u91d1\uff0c\u60a8\u5c07\u7372\u5f97100%\u7684\u9000\u4f11\u91d1\u3002 \u82e5\u60a8\u63a8\u9072\u9818\u53d6\uff0c\u8a72\u91d1\u984d\u5c07\u5728\u60a8\u9054\u5230\u5b8c\u5168\u9000\u4f11\u5e74\u9f61\u5f8c\uff0c\u6839\u64da\u6240\u63a8\u9072\u7684\u5e74\u6578\u6bcf\u5e74\u4ee5\u76f8\u540c\u7684\u6bd4\u7387\u589e\u52a0\uff0c\u76f4\u5230\u60a870\u6b72\u3002 #2 \u554f\uff1a \u7576\u6211\u9054\u5230\u5b8c\u5168\u9000\u4f11\u5e74\u9f61\u6642\uff0c\u6211\u5c07\u7533\u8acb\u793e\u6703\u4fdd\u969c\u9000\u4f11\u91d1\u3002\u6211\u662f\u7f8e\u570b\u516c\u6c11\uff0c\u5df2\u670940\u500b\u5de5\u4f5c\u7a4d\u5206\u3002\u6211\u7684\u59bb\u5b50\u662f\u7da0\u5361\u6301\u6709\u8005\uff0c\u5f9e\u672a\u5728\u7f8e\u570b\u5de5\u4f5c\u3002\u5979\u662f\u5426\u6709\u8cc7\u683c\u4eab\u6709\u6211\u7684\u9000\u4f11\u798f\u5229\u5373\u4f7f\u5979\u4e0d\u662f\u516c\u6c11\uff1f \u7b54\uff1a \u60a8\u7684\u59bb\u5b50\u7121\u9700\u6210\u70ba\u7f8e\u570b\u516c\u6c11\u5373\u53ef\u7372\u5f97\u798f\u5229\u3002\u7576\u6c38\u4e45\u5408\u6cd5\u5c45\u6c11\u5e74\u6eff62\u6b72\uff0c\u4e14\u5df2\u7d93\u5de5\u4f5c\u4e26\u7e73\u7d0d\u81f3\u5c1110\u5e74\u621640\u500b\u5b63\u5ea6\u7684\u793e\u6703\u4fdd\u969c\u7a05\uff0c\u4ed6\u5011\u5247\u6709\u8cc7\u683c\u4eab\u6709\u793e\u6703\u4fdd\u969c\u9000\u4f11\u798f\u5229\u3002 \u4f46\u7531\u65bc\u60a8\u7684\u59bb\u5b50\u672a\u66fe\u5728\u7f8e\u570b\u5de5\u4f5c\uff0c\u5979\u6700\u591a\u53ef\u7372\u5f97\u60a8\u798f\u5229\u768450%\u7684\u914d\u5076\u793e\u6703\u4fdd\u969c\u798f\u5229\u3002\u5728\u60a8\u958b\u59cb\u9818\u53d6\u793e\u6703\u4fdd\u969c\u9000\u4f11\u91d1\u5f8c\uff0c\u5979\u5c07\u6709\u8cc7\u683c\u5728\u597962\u6b72\u6642\u9818\u53d6\u798f\u5229\u3002\u7136\u800c\uff0c\u5982\u679c\u5979\u80fd\u5728\u9054\u5230\u5b8c\u5168\u9000\u4f11\u5e74\u9f61\u6642\u518d\u7533\u8acb\u9818\u53d6\uff0c\u5979\u7684\u6bcf\u6708\u798f\u5229\u6703\u66f4\u9ad8\u3002 #3 \u554f\uff1a \u4ec0\u9ebc\u662fMedicare \uff1f\u8ab0\u53ef\u4ee5\u7372\u5f97\u5b83\uff1f \u7b54\uff1a Medicare\u662f\u4e00\u9805\u91dd\u5c0d65\u6b72\u6216\u4ee5\u4e0a\u4eba\u58eb\u7684\u5065\u5eb7\u4fdd\u96aa\u8a08\u5283\u3002Medicare\u53ef\u4ee5\u5e6b\u52a9\u652f\u4ed8\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\uff0c\u4f46\u5b83\u7121\u6cd5\u6db5\u84cb\u5168\u90e8\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u6216\u5927\u591a\u6578\u9577\u671f\u8b77\u7406\u8cbb\u7528\u3002 Original Medicare (\u539f\u6709\u7684Medicare) \u5305\u62ecA\u90e8\u5206\u548cB\u90e8\u5206\uff1a A\u90e8\u5206\u662f\u91ab\u9662\u4fdd\u96aa\uff0c\u5e6b\u52a9\u652f\u4ed8\u4f4f\u9662\u75c5\u4eba\u7684\u4f4f\u9662\u8b77\u7406\u8cbb\u7528\u6216\u4f4f\u9662\u5f8c\u5728\u5c08\u696d\u8b77\u7406\u6a5f\u69cb\u4e00\u5b9a\u6642\u9593\u5167\u7684\u8b77\u7406\u8cbb\u7528\uff0c\u4ee5\u53ca\u7279\u5b9a\u7684\u5bb6\u5ead\u4fdd\u5065\u548c\u81e8\u7d42\u95dc\u61f7\u8cbb\u7528\uff1b B\u90e8\u5206\u662f\u91ab\u7642\u4fdd\u96aa\uff0c\u5e6b\u52a9\u652f\u4ed8\u91ab\u9662\u4fdd\u96aa\u4e0d\u627f\u64d4\u7684\u91ab\u751f\u670d\u52d9\u53ca\u8a31\u591a\u5176\u4ed6\u91ab\u7642\u670d\u52d9\u548c\u7528\u54c1\u7684\u8cbb\u7528\u3002 Medicare\u9084\u5305\u62ecC\u90e8\u5206\u548cD\u90e8\u5206\uff1a C\u90e8\u5206\u88ab\u7a31\u70baMedicare Advantage (Medicare\u512a\u52e2\u8a08\u5283) \uff0c\u9019\u4e9b\u8a08\u5283\u5df2\u7372\u5f97Medicare \u6279\u51c6\uff0c\u7531\u79c1\u4eba\u516c\u53f8\u63d0\u4f9b\u3002\u8a31\u591a\u512a\u52e2\u8a08\u5283\u5305\u62ec\u85e5\u7269\u627f\u4fdd\u548c\u5176\u4ed6\u984d\u5916\u798f\u5229\uff1b D\u90e8\u5206\u662f\u85e5\u7269\u4fdd\u96aa\uff0c\u5e6b\u52a9\u652f\u4ed8\u8655\u65b9\u85e5\u8cbb\u7528\u3002 #4 \u554f\uff1a \u6211\u73fe\u572865\u6b72\uff0c\u6c92\u6709\u5de5\u4f5c\u7a4d\u5206\u3002\u6211\u59bb\u5b50\u670940\u500b\u7a4d\u5206\uff0c\u6253\u7b97\u660e\u5e74\u6eff62\u6b72\u6642\u7533\u8acb\u63d0\u524d\u9000\u4f11\u3002\u6211\u73fe\u5728\u53ef\u4ee5\u7533\u8acbMedicare A\u90e8\u5206\u55ce\uff1f\u5b83\u662f\u514d\u8cbb\u7684\u55ce\uff1f \u7b54\uff1a \u53d6\u6c7a\u65bc\u60a8\u7684\u5c45\u4f4f\/\u516c\u6c11\u8eab\u4efd\u53ca\u60a8\u6240\u5728\u7684\u5dde\uff0c\u60a8\u73fe\u5728\u53ef\u80fd\u6709\u8cc7\u683c\u7372\u5f97\u4f4e\u6210\u672c\u6216\u514d\u8cbb\u7684A\u90e8\u5206\u3002\u6216\u8005\uff0c\u60a8\u53ef\u4ee5\u7b49\u5230\u60a8\u7684\u59bb\u5b50\u5e74\u6eff62\u6b72\u6642\u518d\u7533\u8acb\u514d\u8cbb\u7684A\u90e8\u5206\u3002\u5982\u60a8\u9700\u8981\u7533\u8acb\u5e6b\u52a9\uff0c\u8acb\u806f\u7e6b\u6211\u5011\u3002 #5 \u554f\uff1a\u2026","rel":"","context":"In 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