移民美国后,能享受到的各项福利 1,2,3,…
各国的家庭移民国外,是为了享受国外优越的生活环境和较高的社会福利保障。
移民美国，能够享受到的社会福利1,2,3,…
对有意移民美国的朋友有帮助：
1.新出生的小孩：任何在美国人士（含非法入境者）,在美国出生的孩子,被视为美国公民，持有美国护照，不限制在美国境外的居留时间，终身自由进出美国。18岁公民宣誓后,即从法律上,享有美国公民的一切权益，包括,立即为配偶、子女、父母,办理美国移民。
2.学生学费：在18岁上大学之前,美国全部中,小学实行义务教育，即,零学费（私立学校除外）。
上大学（含研究生丶博士生）,只收本地人学费。以加州为例，水平中等的加州公立大学，外籍学生,一年交一万二美金以上学费;
“本地人”,在加州州立大学,一年只交纳二千多美金的学费。如果以一个小孩在美国完成高中三年和大学四年教育的话，仅学费一项,就可以节省约人民币50万元。
3.奖学金：对于有意申请美国大学奖学金的普通人来说，只能和来自全世界的优秀人士竞争数量极为有限的,对外籍人士开放的奖学金。
对于有绿卡的人，能享有奖学金的范围，远远超过一个外国人所能申请的。
美国很多发放奖学金的机构,限定:奖学金只适用于“美国人”（含有美国永久居留权的人）。移民美国之后，小孩申请奖学金的机会,远远大于海外留学生。
4.学生贷款：18岁以上的绿卡持有者,可以在拿到绿卡的当年,申请各种类型的学生贷款，如,上美国优秀私立大学，一年的学费,多达三万美金左右;
当绿卡人士想读一个两年硕士时，六,七万美金,可一笔贷款。毕业后,找不到工作,可不还贷款;找到工作后,分年还清，通常,每月只拿工资的五至十分之一,还贷款。在美国，没有因经济困难,而上不了学的人。
5.直系亲属受益：凡绿卡持有者,与外籍人士合法结婚后，即可办理配偶及配偶21岁以下未成年子女的绿卡申请。
6.政府帮助找工作：美国政府有专门机构,免费为本国人找工作。绿卡持有者,只要到此部门登记自己的技能丶专长和兴趣，该部门,就会免费为人找工作。同时，该部门免费培训等待就业人员的基本技能（如电脑丶英文等）,以协助他们就业。
7.就业自由：持有绿卡者,在美国工作,是不受限制的。为保护本国人的利益，美国很多工作（高科技丶生化丶军事等研究丶生产丶保卫工作）,都不对外国人开放，即使外国人具备相应的知识与专长。这种情况,使得外国学生在大学毕业,找工作时，与美国学生处于极不平等的竞争。绿卡持有者无需担忧，他（她）可以从“劣势方”,转为“优势方”。
8.退休福利：累计十年交税记录后（底线,为每月＄50左右的实交税金,即可），便可在退休后（通常为65岁）,终身领取美国联邦政府发的退休金（每月＄1000～＄1200）。对很多移民来讲，领取退休金的年数,比交税工作的年数要多。
9.失业救济：申请人及配偶,甚至孩子,在转绿卡后,没有工作时，政府免费给你找工作。具有六个月的交税记录后，到美国当地有关部门申报失业,就可以领取政府救济金（额度,从每月＄400～＄1200不等）。
10.人寿与基金：绿卡持有者,可以享受一些只在美国有的一些人寿与基金挂钩的保险险种，使本人退休后,能够有较多的收入。
11.老年医疗保险：在美国医疗费用相当之高
任何“低收入”绿卡持有者（无需交税记录）,可在退休之后，办理“医疗卡”，持卡看任何病,不再花钱。这一点,可以彻底解除身患疾病的老人的后顾之忧。对于不属于低收入的人，只要有累计十年的交税记录，退休后,只要再付很少的保险费，医疗费用,就不用自己承担了。
12.购房补贴：绿卡持有人,在退休后,即可申请购买低收入老年人公寓住房。可用大约市场价格的35%左右的款项,购买由国家补贴兴建的,在美国属于自己的住房。
13.政府补贴：绿卡持有者,在退休前,没有累计十年的交税记录时，只要转成美国公民，退休（65岁）后,政府直接发放生活补贴（每月＄600多）。本人不在美国生活，也可享受这笔钱。
社会保障卡（Social Security Card）-每个人一生中,所能领取的社会保障福利金的数额，是根据他的社会保障卡记录的收入情况来计算的。您终生使用一个社会保障卡号码,是非常重要的。您在工作时使用的名字,务必要与您的社会保障卡上的名字相同。如果您更改了名字，您一定不要忘记更改社会保障卡上的名字。美国的这种服务,是免费的。您的孩子也将有他自己的社会保障卡。您在填写税单时，在直系亲属这一栏中，也需填上子女的社会保障卡号。
伤残福利金（Disability）-任何挣足了社会保障分数（Credits），并患有一种严重的身体或精神方面的疾病,并导致他们一年以上不能从事固定工作的人；或者患有某种不治之症的人，都可以领取伤残福利金。一般来讲，每月收入达到800元以上的工作，视为固定工作。
家庭福利金（Family Benefits）-如果您符合条件,领取退休金或伤残福利金，您的家庭成员,也可以领取到家庭福利金。家庭成员,包括：
1. 62岁以上的配偶
2. 62岁以下，但需抚养一名16岁以下的子女
3. 18岁以下的未婚子女
4. 子女是19岁以下的在读学生
5. 子女是18岁或大于18岁，身有伤残
如果您已离婚，您的前妻或前夫,也有资格领取此种福利金。
社会保障补贴-社会保障补贴向那些低收入者和赤贫者,每月提供生活补贴。65岁以上（含65岁）和伤残者,才有资格领取。成人或儿童,也可领取社会保障补贴中的伤残款。
养老保险-养老制度,包括社会基本养老保险、企业补充养老保险和个人储蓄性计划,三方面内容，常被人们形象地称为“三条腿的板凳”。退休老人,有国家的基本免费医疗照顾;企业补充养老保险,已有120年的历史。它由企业设立，职工退休后,每月可按其账户的积累额,领取养老金，一般相当于退休时工资的10%。美国规定的退休年龄,是 65岁，但一般均可在62岁,提前退休，并提前领取养老金支票，其家属,也可得到适当补助。年老退休后，如果又恢复工作,或者65岁后延迟退休，养老金将有所增加。另外,老人也可同时有针对性地选择私人的保险购买计划。
上述福利,针对不同的申请人,可能有会不同的意义，这完全取决于申请人的具体家庭状况。
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Emigrated to the U.S., we could enjoy the benefits 1,2,3, …
National family abroad, and abroad in order to enjoy superior living environment and high social welfare and security.
Emigrated to the U.S., to enjoy social welfare 1,2,3, …
To potential immigrants the United States to help a friend:
1 The new-born child: Any U.S. person (including illegal immigrants), children born in the United States is seen as a U.S. citizen, holds a U.S. passport, does not restrict the residency outside the United States, life-long free access to the United States. 18-year-old civil oath, from the law, U.S. citizens enjoy all the rights and interests, including immediately as spouses, children, parents, go through U.S. immigration.
(2) student tuition fees: Before going to university in 18 years, all U.S. primary and secondary schools compulsory, that is, zero fees (except private schools).
College (including doctoral students Dian), only charge local fees. In California, for example, the level of the middle of California public universities, foreign students a year to pay tuition for more than twelve thousand dollars;
“Locals” in the California State University, more than two thousand dollars a year just to pay tuition fees. If a child in the United States for three years to complete high school and four years of college education, then, only a fee, you can save about 500,000 yuan.
3 Scholarships: scholarships for prospective applicants of the ordinary American University, the only good people from around the world and compete very limited number of scholarships open to foreigners.
For people who have green card, can enjoy the range of scholarship, far more than a foreigner can apply.
Many U.S. institutions granting scholarships, limits: scholarships apply only to “Americans” (people with permanent residency in the United States). Emigrated to the U.S. after the child the opportunity to apply for a scholarship, far greater than overseas students.
4 student loan: 18 years old green card holder, you can get a green card when applying for various types of student loans, such as the United States on outstanding private university, a year’s tuition, up to thirty thousand dollars or so;
When people want to read a two-year green card master, six of some 70,000 dollars, can be a loan. After graduation, find a job, may also loan; to find work, pay off year by year, usually, the monthly wages of five to take only one-tenth of the loan. In the U.S., not because of financial difficulties, and not go to school people.
5 immediate family members benefit from: All green card holders, and foreigners legally married, the spouse can apply for spouses and minor children under the age of 21 green card application.
6 Government to help find a job: there are specialized agencies of the U.S. government, free-oriented people looking for work. Green Card holders, as long as their skills to this sector registered Dian expertise and interest, the department will free man looking for work. Meanwhile, the department waiting for employment free training basic skills (such as computer Dian English, etc.) to help them find jobs.
7 Freedom of employment: a green card holder who work in the United States, is unrestricted. To protect their own interests, the United States a lot of work (such as high-tech military research Dian Dian Dian biochemical production Dian security work), not open to foreigners, even foreigners have the appropriate knowledge and expertise. This situation makes foreign students in graduate, find work, and American students at a very unequal competition. Green Card holders need to worry about, he (she) can be from the “underdog” to “the prevailing party.”
8 retirement benefits: the cumulative years tax records (the bottom line, for about $ 50 per month tax payments actually can), can be in retirement (usually 65 years), to receive the U.S. federal government made life-long retirement Gold ($ 1000 – $ 1200 per month). For many immigrants in terms of number of years of pension, the number of years of work than the tax should be more.
9 Unemployment: The applicant and spouse, and even children, in turn green card, no work, the Government free of charge to your job. With six months of the tax records, local authorities reporting to the U.S. unemployment, you can receive government assistance (amount, from $ 400 to $ 1200 per month range).
10 Life and the Fund: a green card holder, you can enjoy some of the others only in the United States and a number of fund-linked life insurance coverage, so I retired, to have more income.
11 elderly Medicare: health care costs in the United States is quite high
Any “low-income” green card holders (no tax records), in retirement, for “medical card” card to see any disease, not to spend money. This can completely relieve the worries of the elderly suffering from the disease. For low-income people who do not belong, as long as the cumulative years of tax records, retirement, paid very little as long as the re-insurance, medical expenses, do not themselves bear.
12 housing subsidies: a green card holder, after retirement, can apply for low-income elderly apartment housing. Available market price of about 35% of the money to buy subsidized by the state built in the United States of their own homes.
13 government subsidy: a green card holder, before retirement, there is no cumulative years of tax records, as long as the turn into the United States citizens, retirement (65 years), the Government direct payment of living allowance ($ 600 per month and more). I am not American life, but also enjoy the money.
Social Security Card (Social Security Card) – everyone’s life, can receive the amount of Social Security benefits is based on his social security card to record the income calculation. Your life with a social security card number, it is very important. You use the name at work, be sure to contact your social security card with the same name. If you change the name, you must not forget to change the name of social security card. The United States, this service is free of charge. Your child will also have his own social security card. When you fill out tax forms, in the immediate family members of the bar, but also denotes compulsory social security card number on their children.
Disability benefits (Disability) – any score earned enough Social Security (Credits), and is suffering from a serious physical or mental illness, and lead them to more than one year who can not engage in regular employment; or suffering from a terminally ill persons, can receive disability benefits. In general, the monthly income of 800 yuan more than the work as a steady job.
Family benefits (Family Benefits) – If you are eligible for a pension or disability benefits, your family members can also receive the family benefits. Family members, including:
1.62 over the age of the spouse
2.62 years of age, but a dependent child under the age of 16
3.18 unmarried children under the age of
4 children under the age of 19 students in reading
5 children are 18 years or greater than 18 years of age, the body of a disabled
If you are divorced, your ex-wife or ex-husband, are also eligible to receive such benefits.
Social security benefits – social security benefits to the poorest low-income and provide a monthly living allowance. 65 years of age (including 65 years) and the disabled to be eligible to receive. Adults or children, but also for social security benefits in the disability section.
Pension – pension system, including the basic social pension insurance, supplementary pension insurance companies and individual savings plans, three aspects, often aptly called “three-legged stool.” Retired people, has the country’s basic free medical care; supplementary pension insurance companies, over 120 years of history. It is set up by the enterprise, employees retire, the accumulation of the monthly amount according to their accounts, pension, retirement pay is generally equal to 10%. The United States under the retirement age is 65 years old, but in general can be found in 62 years of age, early retirement and pension checks in advance, their families, but also receive appropriate subsidies. Retirement age, if they return to work, or to delay retirement after 65 years of age, the pension will be increased. In addition, the elderly would also have to choose a targeted plan to buy private insurance.
The benefits, for different applicants, the meaning may be different, depending on the applicant’s specific family situation.
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