勞工前老期養老金規劃之探討

A Review of Arrangement Retirement Pension for the Preold-age Labors

林盈秀(Ying-Hsiu Lin)

《臺灣老人保健學刊》 1卷2期 (2005/12) Pp. 65-74

https://doi.org/10.29797/TJGHR.200512.0006

摘要

台灣老年人口持續增加，家庭結構的改變，以往中國傳統的「養兒防老」觀念式微，醫療衛生的進步與重視，平均餘命的延長，在在都顯示未來退休後老年生活時間的增加與必須學習獨立；現階段政府所提供的社會福利制度老年給付不足以滿足老年人生活所需，民營企業的退休金制度仍未臻完善的情形下，個人在退休前的前老期對於養老金規劃就越顯重要；本文就個人的「退休需求分析」在規劃前老期養老金時就風險管理、理財規劃與日常消費支出三方面及需要考慮的因素做探討，期許能引發個人在退休前前老期能夠為自己的養老金做完善的規劃，以保障個人在經濟面上能過良好的退休生活。

關鍵字

前老期 ； 勞工 ； 養老金的規劃

並列摘要

The elder population quickly increases; the family structure is changing in Taiwan. The concept of Chinese traditional-to raise sons as an insurance against the insecurity of old age is declining now. The government pays much attention to public health and the medical skill has improvements and the life of expectancy is extend. All above that we must increase our life and learn to independent after our retirement. Now the government offers social security for pension is not enough to satisfy our elderly live. The retirement pension institution of private enterprise is not good enough. In this condition how to arrangement our personal retirement pension is more important before retirement. When you make retire requirement evaluation, you must consider about and study to risk, financial arrangement and consumption. If you have a good arrangement for your money, you will a good quality for your retirement life.

並列關鍵字

Arrangement of retirement pension ； labor ； preold age