名下有房产就不能享受养老补贴!
名下有房产就不能享受养老补贴!
越是发达国家，面临的养老问题就越严重，德国也不例外。一项养老补贴改革措施因为涉及到当事人房产而引发了广泛争议。01
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相关报道
A senior lawmaker from Chancellor Friedrich Merz’s CDU has proposed requiring Germans to use their homes to pay for elderly care, triggering a political row over social welfare amid the country’s mounting fiscal pressures. 德国总理弗里德里希・默茨所属基民盟的一名资深议员提议，要求德国民众动用自有房产支付养老护理费用。在该国财政压力不断加大的背景下，该提议引发了一场围绕社会福利的政坛论战。The proposal by Albert Stegemann, deputy chairman of the CDU/CSU parliamentary group in the Bundestag, would tighten eligibility rules for public assistance with nursing-home costs, potentially requiring homeowners to draw on property wealth before receiving state support. 这项由德国联邦议院基民盟 / 基社盟议会党团副主席阿尔贝特・施特格曼提出，旨在收紧养老院费用公共补助的申领条件的议案，要求房产持有者在申领国家补贴前，或要先行动用名下房产资产。“Those who own assets must first use their own assets, including their home, before the community pays,” Stegemann told Bild on Thursday. Stegemann argues that homeowners should be required to draw on housing wealth before gaining access to that final layer of taxpayer-funded support. 施特格曼周四在接受《图片报》采访时表示：“在社会支付前，拥有资产者必须先用其自身资产，包括房产。” 他主张，房主在获得最后一档由纳税人出资的补助前，须先使用自有住房资产。Stegemann’s remarks immediately drew criticism from coalition partners and welfare organizations, who argue the proposal could effectively force elderly people to liquidate family homes before receiving assistance. 此番言论立刻遭到联盟盟友以及各类福利机构的批评，后者认为该提案实质上会逼迫老年人在获得救助前变卖家庭房产。SPD health expert Christos Pantazis warned that many families fear “losing their home or their life’s work,” and called the idea “absurd.” Opposition Greens accused the government of pursuing socially irresponsible policies. 德国社民党健康事务专家赫里斯托斯・潘塔齐斯警告称，众多家庭害怕 “失去住房或者说一辈子的心血积蓄”，称该提议荒唐离谱；反对派绿党则指责政府推行缺乏社会责任感的政策。The proposal comes as Berlin prepares a major overhaul of long-term care financing. Health Minister Nina Warken has warned that Germany’s statutory care insurance system could face deficits of more than €22 billion over the next two years unless reforms are adopted. 该提议正值德国联邦政府计划对长期护理资金进行大刀阔斧的改革。德国卫生部长妮娜・瓦尔警告称，除非实施改革，否则未来两年德国法定护理保险体系将面临超过 220 亿欧元缺口。Germany’s long-term care system works in three stages. Mandatory insurance covers part of nursing-home costs, with patients expected to pay the remainder from their pension, savings or other assets. If those funds are exhausted, state social welfare assistance covers the gap.德国长期护理保障分为三个层级：强制护理保险覆盖一部分养老院开销，剩余费用由老人依靠养老金、存款或其他资产承担；如果这些资金耗尽，差额部分由国家社会福利资金补足。02
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专有名词
- Friedrich Merz：弗里德里希・默茨（德国总理）
- Albert Stegemann：阿尔贝特・施特格曼
- Christos Pantazis：赫里斯托斯・潘塔齐斯
- Nina Warken：妮娜・瓦尔肯（德国卫生部长）
- propose doing sth. — 提议做某事
- trigger a political row — 引发政治争议
- mounting fiscal pressures — 日益加剧的财政压力
- deputy chairman — 副主席、副党团主席
- parliamentary group — 议会党团
- tighten eligibility rules — 收紧申领资格规定
- public assistance — 公共救助、政府补助
- nursing-home costs — 养老院费用
- draw on property wealth — 动用房产资产
- receive state support — 领取国家补贴
- the community pays — 由公共财政出资兜底
- taxpayer-funded support — 纳税人补贴
- draw criticism from — 遭到…… 的批评
- coalition partners — 联合执政盟友政党
- welfare organizations — 福利机构
- effectively force sb. to do — 实质上迫使某人做
- liquidate family homes — 变卖家庭住房
- accuse sb. of doing — 指责某人做某事
- socially irresponsible policies — 缺乏社会责任的政策
- a major overhaul — 全面改革、重大修整
- long-term care financing — 长期护理资金
- statutory care insurance system — 法定护理保险体系
- mandatory insurance — 强制保险
- cover part of costs — 承担部分花销
限制性定语从句：Those who own assets非限制性定语从句：organizations, who argue the proposal...现在分词作前置定语：mounting fiscal pressures
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