人类社会都面临人口老化的问题。美国是目前世界经济大国,其养老保障体系很多,比如社会保障金体系、政府退休金体系、贫困救助金体系等等。这些体系很大程度上覆盖了老年生活所需,保障了老人年老退休后的生活。但遗憾的是,在这些强大的社会保障体系下面,仍有不少美国老人生活贫困,挣扎在贫困线上下。导致这些老人生活贫困,甚至流离失所的原因有多重。从国家层面来讲,经济危机,政策调整等从一定程度上导致老年贫困。从个体原因来看,没有持之以恒的工作习惯,个性脾气张扬,教育程度不够等也是导致老年贫困的原因。作为一个国家,美国政府需要帮助人们防患于未然,使民众有一个安详温馨的晚年生活,比如帮助老人改变观念接受子女帮助,帮助子女改变观念,主动给老人以关爱。再譬如强制延长工作年限,使其有足够的收入缴纳各种养老保险;再譬如提高全民教育素质,使大多数人的学历有所提高等。只有解决养老问题,民众才能真正享受生活,享受人生。 Human society faces the problem of population aging. The United States is currently the world economic power with many pension insurance systems, such as the social security system, the government pension system, the poverty relief system and so on. These systems cover to a large extent the needs of the elderly and guarantee their lives after retirement. However, unfortunately, under these powerful social security systems, many elderly Americans still live in poverty and are struggling with the poverty line. There are many reasons why these elderly people live in poverty or even in displacement. At the national level, the economic crisis and the adjustment of policies have led to the poverty of the elderly to a certain extent. From the individual reasons, there is no perseverance in working habits, personal temper, lack of education is also the leading cause of poverty in the elderly. As a nation, the U.S. government needs to help people to take preventive measures so that the public will have a peaceful and peaceful life in old age. For example, they help the elderly change their mind and accept the help of their children, help their children change their ideas and take the initiative to give care to the elderly. Another example is the mandatory extension of working life, so that they have sufficient income to pay a variety of pension insurance; then for example, to improve the quality of education for all, so that most people’s qualifications have improved. Only by solving the pension problem can the people really enjoy life and enjoy life.