As is well known, the United States, as a global superpower, constantly attracts worldwide attention due to its education, healthcare, welfare, living environment, employment conditions, and technology. The U.S. is also a high-welfare nation; the nutrition program alone includes over a dozen types of benefits. As long as an applicant meets the legal status requirements of a U.S. citizen or permanent resident, they are eligible to enjoy these benefits.
The government assists specific groups in accessing these benefits, with the programs consuming the largest portion of government funding including the following:
Social Security
Similar to social insurance in China, the U.S. Social Security system covers spousal benefits, ex-spousal benefits, minor child benefits, and supplemental income benefits.
Ex-spousal benefits: Divorced spouses can receive Social Security benefits based on their ex-husband's record, provided the woman was married to her ex-husband for at least 10 years and has not remarried (and is at least 62 years old); or is raising minor children under 16 belonging to the ex-husband (no age limit); or was married to the ex-husband for 10 years, remarried later, but the marriage ended for various reasons; or the ex-husband passed away and you remarried at age 60.
Spousal benefits: If a spouse passes away, one can claim the deceased's Social Security benefits at age 62; if raising minor children, one can claim this benefit at any age; if one also works, they can compare their own benefits with their spouse's upon retirement and choose to receive the higher amount.
Minor child benefits: If the primary breadwinner of a family passes away, unmarried minor children under 18 (or up to 22 if disabled) can receive Social Security benefits from the deceased father or mother. This benefit is separate from spousal benefits, meaning the surviving parent can receive their own benefits while the children receive theirs, provided the total does not exceed 180% of the deceased's Social Security benefit amount. Minor children also include adopted children, stepchildren, and grandchildren.
Disability benefits: For disabled adults, there are generally work history requirements. For example, a 28-year-old adult must have 1.5 years of work history to claim this benefit, a 30-year-old needs 2 years, and a 34-year-old needs 3 years, etc. Different policies apply if the disability occurred before adulthood.
Medicaid
This is health insurance for retired low-to-middle-income individuals, other low-income groups, and the disabled. The insurance covers hospitalization costs (including surgery and post-operative recovery), outpatient fees, prescription drug costs, and nursing home expenses. This item alone accounts for 10% of government spending! This benefit only considers the individual's income, not that of their family members. For example, even if children are high earners, if one parent is low-income and falls ill, they can still apply for this benefit.
Tax Credit / Tax Rebate
The U.S. tax administration is very mature and standardized. On one hand, U.S. taxes cover all income, including wages, bonuses, and overtime pay for all employees in all organizations, and even rewards for outstanding performance issued by employers. All entities, whether government departments or private companies, are treated equally.
On the other hand, there are many "reasons" for tax rebates in the U.S., such as medical expenses, children's college expenses, donations to charitable organizations, first-time homebuyer tax credits ($7,500, later increased to $8,000, though subject to income requirements), mortgage interest tax deductions, and property tax deductions. For self-employed individuals, many hardware costs for business preparation, such as purchasing computers, are tax-deductible. Low-income groups can also receive additional tax rebates.
The Child Tax Credit is one of the main sources of tax rebates for many low-income groups. As long as income requirements are met, this program supports low-to-middle-income families, providing $1,000 per child under 17 from the government.
Child Care / Child Support
This benefit primarily targets nutrition, health, and preschool education for pregnant women, infants, and children aged 3-5 (from low-income families), and also includes partial compensation for parents hiring childcare providers.
Food / Nutrition
The food and nutrition program operates under the slogan "No one should go hungry in America." This benefit reaches nearly 25% of Americans and legal immigrants. The program includes over a dozen specific benefits targeting children in low-income families, pregnant women, low-income adults, and the elderly. It is distributed through food stamps, food supplies, free breakfast and lunch programs for students, student fruit programs, milk programs, and more.
In general, there are hundreds of other welfare programs in the U.S., such as rental and home purchase assistance for low-income groups, energy assistance (e.g., free natural gas), benefits for the mentally ill, and programs helping those unable to pay their mortgages to negotiate principal and interest reductions with banks.
In addition to a comprehensive social welfare system, the United States is one of the most favored immigration destinations for investors due to its world-class educational resources and comfortable living environment, making it an excellent destination for investors to "plan their lives and build a second home."
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