Essay代写：America's pension system－r51due

下面为大家整理一篇优秀的essay代写范文- America's pension system，供大家参考学习，这篇论文讨论了美国的养老保障系统。美国的养老保障系统分为国家举办的基本养老保险制度、企业主举办的企业补充养老保险制度、住房反向抵押制度、个人退休账户系统以及其他各种养老资产。美国的保险制度与财政制度的边界清晰。目前美国拥有庞大的基金储备。二战以后，美国从未因基本养老保障制度而出现社会动荡。这是因为多层次和市场化的制度可以满足各个群体的不同需求，都各有其位，相安无事。

The American old-age security system can be divided into five levels. Second, the housing reverse mortgage system; the third is the enterprise supplementary endowment insurance system held by business owners; the fourth is the individual retirement account system (IRA): the fifth is various other retirement assets.

The mandatory old-age, survivor and disability insurance system established in the United States has a high coverage rate of over 95% of retirees. We gave full expression to people's concerns, and six million retirees and 11 million disabled people received pensions. The absence of a system of privilege and fragmentation, resulting in a unified national system, has kept the President in the same system as cleaners, businesses and civil servants. The contribution rate is only 12.4% (6.2% for employees and 6.2% for employers), so it is not too heavy for employees and will not affect the competitiveness of enterprises. At the same time, spending on family allowances and disability payments ($823bn) as a share of GDP, at just 5 per cent, is not a drag on national finances. In addition, because of the low replacement rate, which is only 40%, the United States spent $670 billion on pension and survivor's allowance in 2013, which is about $1,300 per person per month.

The relationship between the government and the market complements each other. Without it, 59 million Americans would be living below the poverty line. Of those, 16.4 million will be elderly, compared with only about 37 million currently living below the poverty line, including about 3.5 million people over 65. Even for this impoverished group, various social assistance systems will assume the ultimate responsibility.

The reverse housing mortgage system, the enterprise supplementary pension insurance system, the individual retirement account system and various other pension assets make the retirement income of Americans almost the same as before retirement, and some groups will even have a significant increase. For example, the replacement rate of the occupational annuity "thrift savings plan" for federal employees is as high as 110%, which is more than the salary before retirement, while the basic state-led system only pays out $1,300 per month for basic living.

The border between America's insurance system and its fiscal system is clear. The United States currently has a huge fund of $2.76 trillion in reserves, enough to pay for four years even without a dollar of future revenue. After World War II, the United States never experienced social unrest due to the basic old-age security system. This is because the multi-level and market-oriented system can meet the different needs of different groups, all have their own place, live in peace.

想要了解更多英国留学资讯或者需要英国代写，请关注51Due英国论文代写平台，51Due是一家专业的论文代写机构，专业辅导海外留学生的英文论文写作，主要业务有essay代写、paper代写、assignment代写。在这里，51Due致力于为留学生朋友提供高效优质的留学教育辅导服务，为广大留学生提升写作水平，帮助他们达成学业目标。如果您有essay代写需求，可以咨询我们的客服QQ：800020041。