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移民到美国究竟都能享受到哪些诱人的福利?

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发表于 2015-11-14 01:32:55 | 显示全部楼层 |阅读模式
近几年越来越多的人为了子女能够享受更好的教育以及将来能够更好的发展而选择移民美国,不可否认,拥有美国移民身份后不仅可以解决许多现实难题还能够极大的改善外国人士在美国的生活。
    美国作为世界头号经济强国,福利制度相对完善,这是吸引众多移民的重要原因之一。美国福利种类繁多基本涵盖了一个人生老病死的各个方面,那么作为移民在美国都能享受哪些福利呢?哪种福利对于移民来讲是比较实用的呢?

1.新出生的小孩:任何在美人士(含非法入境者)在美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。21岁可申请海外父母办理美国移民。

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13年零学费(私立学校除外)。相比之下,目前北京、上海、广州三地有关机构办理中小学赴美留学一年最低学费需两万多美金,寄宿私立高中则需要4-6万不等。拥有绿卡上公立大学(含研究生丶博士生)可交本地人学费,入读私立大学也可获政府助学金和学校奖学金。以加州为例,水平中等的加州公立大学,外籍学生一年交两万美金左右学费,而 “本地人”在加州州立大学一年只交纳2-8千多美金的学费。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约150万元。

3.奖学金:对于有意申请美国大学奖学金的普通中国人来说,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。但对于有绿卡的人,能享有奖学金的范围,远远超过一个外国人所能申请的。因为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)。因此,获得美国绿卡后,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:凡绿卡持有者或入籍成为公民后,可担保亲属及其配偶、子女申请美国绿卡。

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,该部门还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。而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在中国没有,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,但任何”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,医疗费用也就不用自己承担了。

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。

    作为新移民了解美国福利政策是很有必要的,因为这与移民本身的利益息息相关。如果新移民有什么不懂的可以去咨询当地的专业机构。以上文章希望对大家有所帮助。

In recent years, more and more people can enjoy better education to children and can better development in the future and choose to immigrate to the United States, there is no denying the fact that to have a U.S. immigration status can not only solve many realistic problems can greatly improve the foreigners who live in the United States.
The United States as the world's largest economic power, the welfare system is relatively perfect, this is one of the important reasons that attract many migrants. There are many different kinds of America's welfare basic covers all aspects of a life and death, in the United States as immigrants can enjoy what welfare? What kind of welfare for immigrants is more practical?

1. The new born child: any person in the United States (including illegal immigrants) is regarded as a citizen of the United States, the children born in the United States holds an American passport, the residence time is not limited by outside the United States, life-long free access to the United States. After 18 years of age citizens sworn legally enjoy all the rights and interests of citizens of the United States, including for the spouse, children immediately. 21 years old can apply for overseas parents to deal with immigration to the United States.

2. Student tuition fees: at the age of 18 had all primary and secondary school education is compulsory in the United States, the 13 years and tuition (except private schools). , by contrast, the relevant institutions in Beijing, Shanghai, guangzhou, Hong Kong and primary and secondary schools to study abroad for one year minimum tuition should be more than $twenty thousand, private boarding high school requires 4-60000. Have a green card on public universities (including graduate students, doctoral students) to pay tuition fees, locals in private colleges and universities can also receive government grants and the school scholarship. In California, for example, level of medium of California state university, foreign students pay about twenty thousand dollars a year tuition fees, and the "native" in California state university, only pay 2 - more than 8000 dollars a year's tuition. If a child in the United States to complete the three years of high school and university education, four years tuition a alone could save about 1.5 million yuan.

3. The scholarships: for ordinary Chinese people to apply for American university scholarships, and only limited number of outstanding people from all over the world competition is the scholarship is open to foreigners. But for those who have a green card, can enjoy the range of scholarship, far more than a foreigner can apply for. Because of its many scholarships agency limited scholarship applies only to "American" (contains permanent residency in the United States people). Therefore, after the U.S. green card, a child the chance of applying for a scholarship is far greater than overseas students.

4. Student loans: 18 years old above green card holders can get a green card in the application of various types of student loans, such as excellent private university in the United States, tuition fees up to $thirty thousand a year or so, when a green card, when people want to read a two-year master's 670 thousand dollars can be a loan. Can't find a job after graduation can not return loan, find a job after years to pay off, usually only take the five salary every month to one over ten return loan. In the United States, was not due to economic hardship on the study.

5. Immediate family members benefit: after all that green card holders or naturalization citizenship, can guarantee relatives and their spouses, children apply for green card in the United States.

6. The government help to look for a job: the specialized agencies in the United States government and free for their own people to look for a job. Green card holders as long as the department is to register their own skills, expertise and interests, the department will be free to look for a job. At the same time, the department also free training for employment in basic skills such as computer, English, etc.) to assist in their jobs.

7. Employment freedom: hold a green card to work in the United States is not restricted. A lot of work to protect the interests of their own people, the United States (such as high-tech biochemical, military, research, production, security work) are off-limits to foreigners, even foreigners with the corresponding knowledge and expertise. This makes foreign students in the university graduate to find a job, the students in equal competition with the United States. And green card holders do not need to worry, he (she) can be from the "underdog" into "advantage".

Total 8. Retirement benefits: ten years after tax records (the bottom line for about $50 a month pay taxes), can (usually a 65 - year - old) after retirement life draw a pension of the federal government to send ($1000 - $1200) a month. For many immigrants, the number of pensioners is more than the number of tax work.

9. Unemployment benefits: the applicant and spouse or child in turn green card did not work, after the government free of charge for you to find a job. Has six months after tax records, to the local authorities shall be reported to the unemployed can get government benefits (limit range from $400 to $400 per month).

10. Life insurance and fund: green card holders can enjoy some in China have no, only some life in the United States linked to fund of insurance coverage, make oneself can have more income after retirement.

11. Medicare: high medical costs in the United States, but any "low-income" green card holder (need not pay tax records) after retirement, to deal with health card ", "card see any disease no longer spend money. This can be completely remove with a rare disease of the old man's trouble back at home. For does not belong to low-income people, as long as have accumulated 10 years of tax records, as long as the insurance premium of pay little again after retirement, also don't have to pay the medical expense.

12. Housing subsidies: green card holders can apply to buy low-income elderly apartment after retirement homes. Available about about 35% of the market price of the money to buy from state subsidies to build their own housing in the United States.

13. Government subsidies: green card holders in not before retirement accumulated 10 years of tax records, as long as to a citizen of the United States, retirement age (65) the issuance of a direct government allowance ($600) a month. I am not in American life, also can enjoy the money.

As a new immigrant understand America's welfare policies are necessary, because it is closely related to the interests of the migrants themselves. If the new immigrants have what not understand can consult local professional organizations. The above article I hope to be of help.


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