金融英語(yǔ)口語(yǔ) 17.Insurance of

[00:00.00]New Words [00:00.95]新單詞 [00:01.91]insurance n. [00:02.77]保險(xiǎn) [00:03.63]security n. [00:04.38]安全 [00:05.12]pension n. [00:05.80]養(yǎng)老金 [00:06.48]retirement n. [00:07.28]退休 [00:08.07]policy n. [00:08.70]保險(xiǎn)單 [00:09.33]benefit n. [00:09.99]利益，好處 [00:10.66]permanently adv. [00:11.38]永遠(yuǎn)地 [00:12.09]dependents n. [00:12.88](負(fù)擔(dān))家眷 [00:13.66]retiree n. [00:14.55]退休的人 [00:15.44]Phrases & Expressions [00:17.35]social security [00:18.13]社會(huì)安全 [00:18.91]nursery school [00:19.88]幼兒園 [00:20.85]C:Good morning, sir, I would like to meet Mr.Ford. [00:22.52]邱：早上好。先生，我想見福特先生。 [00:24.19]F:I am Willam Ford. What can I do for you? [00:25.97]福：我是威廉，福特。我能為您做什么? [00:27.74]C:I am Linda Churchill. I am worrying about my life after retirement. [00:30.29]邱：我是琳達(dá)。邱吉爾。我正在為我退休后的生活發(fā)愁呢。 [00:32.84]Mr. Ford, how much I would get from the Social Security Program for my pension? [00:35.62]福特先生，我能從社會(huì)保險(xiǎn)項(xiàng)目中得到多少養(yǎng)老金呢? [00:38.40]F:Are you employed, Mrs. Churchill? [00:39.46]福：您在工作嗎,，吉爾夫人? [00:40.52]C:Yes, I work in a nursery school. [00:41.84]邱：是的，我在一家托兒所工作。 [00:43.15]F:How long have you been working? [00:44.26]福：您工作多長(zhǎng)時(shí)間了? [00:45.37]C:I had been a secretary for five years until my son was born. [00:47.49]邱：我原來(lái)做了5年秘書，直到我兒子出生， [00:49.61]I had to stay at home to take care of my baby. That was another five years. [00:52.09]我只好呆在家里照顧孩子。五年后， [00:54.57]After that, I found the job in the nursery and it has been ten years. [00:56.70]我找到了這份托兒所的工作，工作了10年了。 [00:58.83]F:Have you got a pension insurance policy in the first five year working period? [01:01.35]邱：您工作的前5年交了養(yǎng)老保險(xiǎn)金嗎? [01:03.87]C:Yes, of course. [01:04.51]邱：交了。 [01:05.15]F:Then I don't think you should worry about your life after retirement, [01:07.49]福：那么我想您用不著擔(dān)心退休后的生活問題了。 [01:09.83]because those who retire at the age of 65 with enough years of employment, at least ten years, [01:13.34]因?yàn)楣ぷ饕欢晗?，至?0年后，在65歲退休， [01:16.85]will get the basic retirement benefits from our program. [01:18.93]就可以得到基本的退休養(yǎng)老保險(xiǎn)金。 [01:21.01]C:Do you mean if I retire earlier than 65, I will get less benefits? [01:23.85]邱：您的意思是不是如果我不到65歲就退休的話，養(yǎng)老保險(xiǎn)金就會(huì)少呢? [01:26.70]F:Yes. You can retire earlier, but your payment will be reduced permanently if you do. [01:30.11]福：是的。您可以提前退休，但如果您那么做的話，養(yǎng)老金肯定會(huì)減少。 [01:33.52]C:How much will the payment be reduced? [01:34.96]邱：少多少呢? [01:36.39]F:The reduction is 20% at age 62, 13% at age 63 and 6% at age 64. [01:42.06]福：62歲退休少了20%，63歲退休少13%，64歲退休少6%。 [01:47.73]C:So, higher benefits are paid to those who retire after age 65? [01:50.12]邱：那么是不是65歲以后退休，養(yǎng)老金就多呢? [01:52.51]F:That is right, and an additional 3% is added for each year that a person continues working from age 65 to age 72. [01:57.89]福：可以這么說(shuō)，65歲到72歲，每晚一年退休，養(yǎng)老金增加3%。 [02:03.27]On the other hand, the retirement benefits are increased for those with dependents. [02:06.29]另外有家庭負(fù)擔(dān)的人，養(yǎng)老金也會(huì)適當(dāng)增加。 [02:09.31]C:Does every retiree get the same amount of retirement benefits? [02:11.28]邱：每一個(gè)退休的人得到的養(yǎng)老金一樣嗎? [02:13.25]F:No. The size of the monthly retirement income is related to the amount of social security taxes paid by you or your employer before your retirement. [02:19.04]福：不是的，每月養(yǎng)老金的多少與工作時(shí)您或您的雇主上交社會(huì)保險(xiǎn)金多少有關(guān)。 [02:24.82]The higher your salary is, the more taxes you pay, and so the more pension you get after your retirement. [02:28.81]收入越高，交的養(yǎng)老保險(xiǎn)金越多，退休后得到的養(yǎng)老金也越多， [02:32.79]And, the longer you work, the more benefits you wil get. [02:34.79]工作時(shí)間越長(zhǎng)，得到的利益也越多。 [02:36.79]C:I see. Thank you very much. [02:38.30]邱：我明白了，非常感謝您。 [02:39.82]F:It's all right. If you have any other questions, you can come to see me at any time. [02:42.99]福：沒關(guān)系，如果您還有其他問題，請(qǐng)隨時(shí)來(lái)問我。

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