金融英语口语 17.Insurance of

[00:00.00]New Words
[00:00.95]新单词
[00:01.91]insurance      n.
[00:02.77]保险
[00:03.63]security     n.
[00:04.38]安全
[00:05.12]pension       n.
[00:05.80]养老金
[00:06.48]retirement     n.
[00:07.28]退休
[00:08.07]policy      n.
[00:08.70]保险单
[00:09.33]benefit     n.
[00:09.99]利益，好处
[00:10.66]permanently     adv.
[00:11.38]永远地
[00:12.09]dependents      n.
[00:12.88](负担)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]社会安全
[00:18.91]nursery school
[00:19.88]幼儿园
[00:20.85]C:Good morning, sir, I would like to meet Mr.Ford.
[00:22.52]邱：早上好。先生，我想见福特先生。
[00:24.19]F:I am Willam Ford. What can I do for you?
[00:25.97]福：我是威廉，福特。我能为您做什么？
[00:27.74]C:I am Linda Churchill. I am worrying about my life after retirement.
[00:30.29]邱：我是琳达。邱吉尔。我正在为我退休后的生活发愁呢。
[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，我能从社会保险项目中得到多少养老金呢？
[00:38.40]F:Are you employed, Mrs. Churchill?
[00:39.46]福：您在工作吗,，吉尔夫人？
[00:40.52]C:Yes, I work in a nursery school.
[00:41.84]邱：是的，我在一家托儿所工作。
[00:43.15]F:How long have you been working?
[00:44.26]福：您工作多长时间了？
[00:45.37]C:I had been a secretary for five years until my son was born.
[00:47.49]邱：我原来做了5年秘书，直到我儿子出生，
[00:49.61]I had to stay at home to take care of my baby. That was another five years.
[00:52.09]我只好呆在家里照顾孩子。五年后，
[00:54.57]After that, I found the job in the nursery and it has been ten years.
[00:56.70]我找到了这份托儿所的工作，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年交了养老保险金吗？
[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：那么我想您用不着担心退休后的生活问题了。
[01:09.83]because those who retire at the age of 65 with enough years of employment, at least ten years,
[01:13.34]因为工作一定年限，至少10年后，在65岁退休，
[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养老保险金。
[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岁就退休的话，养老保险金就会少呢？
[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，但如果您那么做的话，养老金肯定会减少。
[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岁退休少了20%，63岁退休少13%，64岁退休少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岁以后退休，养老金就多呢？
[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：可以这么说，65岁到72岁，每晚一年退休，养老金增加3%。
[02:03.27]On the other hand, the retirement benefits are increased for those with dependents.
[02:06.29]另外有家庭负担的人，养老金也会适当增加。
[02:09.31]C:Does every retiree get the same amount of retirement benefits?
[02:11.28]邱：每一个退休的人得到的养老金一样吗？
[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，每月养老金的多少与工作时您或您的雇主上交社会保险金多少有关。
[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，交的养老保险金越多，退休后得到的养老金也越多，
[02:32.79]And, the longer you work, the more benefits you wil get.
[02:34.79]工作时间越长，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，非常感谢您。
[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：没关系，如果您还有其他问题，请随时来问我。