retirement and survivors' insurance

简明释义

退职及遗族保险

英英释义

例句

1.Understanding the benefits of retirement and survivors' insurance is crucial for financial planning.

理解退休和幸存者保险的好处对于财务规划至关重要。

2.The government provides retirement and survivors' insurance as part of its social security program.

政府将退休和幸存者保险作为其社会保障计划的一部分提供。

3.Employers often match employee contributions to retirement and survivors' insurance to encourage saving.

雇主通常会匹配员工对退休和幸存者保险的缴纳，以鼓励储蓄。

4.Many workers contribute to retirement and survivors' insurance to ensure financial stability in their later years.

许多工人向退休和幸存者保险缴纳费用，以确保他们在晚年时的财务稳定。

5.After losing her spouse, she relied on retirement and survivors' insurance for financial support.

在失去配偶后，她依靠退休和幸存者保险获得经济支持。

作文

In today's world, planning for the future has become a necessity. One of the most significant aspects of financial planning is ensuring that individuals have adequate support during their later years and in the event of unforeseen circumstances. This is where programs like retirement and survivors' insurance play a crucial role. 退休和幸存者保险 is designed to provide financial assistance to individuals who have retired from their jobs as well as to their families in case of their untimely demise. The concept of retirement and survivors' insurance revolves around the idea of social security, which is a government program aimed at providing economic security to its citizens. When individuals work and pay taxes, a portion of their earnings goes into this system. In return, they receive benefits once they retire or if they pass away, ensuring that their loved ones are not left in financial distress. 退休和幸存者保险 thus serves as a safety net, allowing individuals to enjoy their retirement years without worrying about their financial stability.Understanding retirement and survivors' insurance requires an awareness of its structure and benefits. Typically, there are two main components: retirement benefits and survivor benefits. Retirement benefits are provided to individuals once they reach a certain age and have contributed to the system for a specified number of years. These benefits are calculated based on the individual's earnings history, ensuring that those who have worked longer and contributed more receive higher payouts. On the other hand, survivor benefits are intended for the family members of deceased workers. This ensures that spouses and children are financially supported even after the loss of their primary income earner. 退休和幸存者保险 thus emphasizes the importance of family and community support during challenging times.Moreover, the impact of retirement and survivors' insurance extends beyond just financial assistance. It fosters peace of mind among individuals, knowing that they have a safety net in place. This peace of mind can lead to healthier lifestyles, as individuals feel less stressed about their financial future. Additionally, it promotes a sense of responsibility, encouraging people to contribute to the system throughout their working lives.In recent years, discussions surrounding retirement and survivors' insurance have gained traction due to the changing demographics of society. As life expectancy increases and birth rates decline, there are concerns about the sustainability of such programs. Policymakers are tasked with finding solutions to ensure that these benefits continue to be available for future generations. This includes potential reforms, such as adjusting the retirement age or modifying benefit calculations. Nevertheless, the core principle of retirement and survivors' insurance remains vital – providing security and support for individuals and their families.In conclusion, retirement and survivors' insurance is an essential component of social security that offers financial protection to retirees and their families. It is a testament to the value placed on human life and the importance of community support. As we navigate through the complexities of modern society, understanding and advocating for robust retirement and survivors' insurance programs will be crucial in securing a stable future for all.

在当今世界，规划未来已成为一种必要性。财务规划中最重要的方面之一是确保个人在晚年和意外情况下有足够的支持。这就是像退休和幸存者保险这样的项目发挥关键作用的地方。退休和幸存者保险旨在为从工作中退休的个人以及在其不幸去世时为其家庭提供经济援助。退休和幸存者保险的概念围绕着社会保障的理念，这是一项旨在为公民提供经济安全的政府计划。当个人工作并缴纳税款时，他们收入的一部分会进入这个系统。作为回报，他们在退休后或去世时会获得福利，确保他们的亲人不会陷入财务困境。因此，退休和幸存者保险作为一个安全网，使个人能够享受退休生活，而无需担心财务稳定。理解退休和幸存者保险需要了解其结构和福利。通常，有两个主要组成部分：退休福利和幸存者福利。退休福利是在个人达到一定年龄并为该系统贡献了规定年限后提供的。这些福利是根据个人的收入历史计算的，确保那些工作时间更长、贡献更多的人获得更高的支付。另一方面，幸存者福利旨在为已故工人的家庭成员提供支持。这确保了配偶和子女即使在失去主要收入来源后也能得到财务支持。因此，退休和幸存者保险强调了在困难时期家庭和社区支持的重要性。此外，退休和幸存者保险的影响不仅限于经济援助。它为个人提供了心理上的安宁，因为他们知道自己有一个安全网。这种心理上的安宁可以导致更健康的生活方式，因为个人对财务未来的压力较小。此外，它还促进了一种责任感，鼓励人们在整个工作生涯中为该系统做出贡献。近年来，由于社会人口结构的变化，关于退休和幸存者保险的讨论越来越受到关注。随着预期寿命的增加和出生率的下降，人们对此类项目的可持续性表示担忧。政策制定者面临着寻找解决方案的任务，以确保这些福利能够继续提供给未来的几代人。这包括潜在的改革，例如调整退休年龄或修改福利计算。然而，退休和幸存者保险的核心原则仍然至关重要——为个人及其家庭提供安全和支持。总之，退休和幸存者保险是社会保障的重要组成部分，为退休人员及其家庭提供财务保护。它证明了人类生命的价值和社区支持的重要性。在我们应对现代社会的复杂性时，理解并倡导强有力的退休和幸存者保险项目将对确保所有人的稳定未来至关重要。