The test of the elderly childbearing on the family economy
With the improvement of people's living standards and the change of social concepts, more and more couples choose to postpone childbearing, leading to the phenomenon of elderly childbearing more and more common. However, in addition to some psychological and physiological challenges, the elderly childbearing also poses a series of challenges to the family economy. This article will elaborate on the test of the elderly childbearing on the family economy from four aspects.
Huge medical expenses
The poor physical condition of elderly pregnant women is prone to a series of complications and pregnancy risks, which increases the medical expenses. First of all, the elderly pregnant women need to carry out various examinations on a regular basis, such as pregnancy examination, fetal development monitoring, etc. These examinations may cost more than ordinary pregnant women. Secondly, various medical interventions and treatment measures, such as artificial insemination and test tube baby, may be required in the process of elderly childbearing, and these costs are relatively high. In addition, if complications or other accidents occur, hospitalization or surgery may be required, which further increases the family's economic pressure.
However, fortunately, some real medical institutions are aware of the problems caused by elderly childbearing and have formulated corresponding preferential policies and medical insurance policies. For example, in XX hospital, they provided some preferential treatment for pregnant women over 35 years old, which reduced the financial burden of some families. At the same time, medical insurance in some places also began to cover the cost of elderly childbearing, providing a certain amount of economic security for families.
Increase in education expenditure
The education expenditure faced by the elderly child-bearing families is also an important test. Because of their older age, parents may have entered the middle age or even the old age stage when their children grow up. This leads to the relatively high financial burden that parents may face in the process of educating their children. They need to provide children with a good educational environment, high-quality educational resources and perfect educational conditions, which require a lot of economic expenditure.
In addition to the general education expenses, the elderly child-bearing families also need to consider their children's future planning and education reserves. They may need to reserve for their children's college education, overseas study fees, and other training and interest courses. These educational expenditures pose a huge challenge to the family economy.
Reduced income due to reduced labor force
The elderly childbearing has led to the reduction of labor force, which has led to the reduction of family income. On the one hand, elderly pregnant women need leave and maternity leave to take care of themselves and their children, which means that the main source of income in the family may be interrupted for a period of time. On the other hand, because parents are older, they may not be able to bear excessive work pressure and load, resulting in reduced income.
The reduction of income may have a greater impact on the family economy. The family's expenditure is still continuing, but the income is relatively reduced, which requires the family to adjust their consumption habits and spending patterns to adapt to the new economic situation. Some families may need to consider ways to reduce living standards and adjust investment plans to cope with economic difficulties.
Increase of pension pressure
Older child-bearing families may also face increased pension pressure. Because parents are older, they may retire earlier, and their children may need to be nurtured and cared for for a long time when they grow up. This means that the elderly child-bearing families need to face two aspects of economic pressure: on the one hand, it is their own pension expenditure, and on the other hand, it is the cost of children's growth and upbringing.
In order to cope with the increase of pension pressure, elderly child-bearing families need to plan and reserve in advance, and consider investment and insurance to improve the accumulation and protection of pension funds. At the same time, they also need to communicate and educate their children, so that they can form independent economic capacity and reduce the financial burden of the family.
Summary
Elderly childbearing not only challenges individuals physically and mentally, but also brings a series of challenges to family economy. The huge medical expenses, the increase of education expenditure, the decrease of income due to the decrease of labor force and the increase of pension pressure are all the tests of the elderly childbearing on the family economy. Families should plan, reserve and invest in advance to reduce economic pressure and ensure family stability and happiness. At the same time, the society should also strengthen the support and policy guarantee for the elderly childbearing families to reduce their economic burden.
