2008年發生全球金融海嘯，世界經濟趨於緊縮，造成各國退休基金大幅虧損與提存不足及民眾財富縮水的隱憂。我國國民兩性零歲平均餘命99年已延長至79.18歲，高齡人口日益增多，人口老化問題嚴重，預計2025年老年人口將達20％佔全人口五分之一，將向超高齡社會邁進。因此未來諸如保障老人退休、醫療、長期照護等問題，將成為影響國家發展的重要議題。 本文以後金後金融海嘯時代為背景，運用文獻法探討高齡化社會養老措施及保險規劃，希望藉由政策面、社會保險及商業保險三方面的探討，使民眾能更積極認識老年經濟的安全保障議題，創造最理想的退休規劃。共有四點結論：(一) 正視法令變遷快速，高齡化社會保險規劃宜作因應 (二)針對高齡化社會，以政府福利制度作為保障養老生活之基石 (三) 較有經濟能力者宜作較完善的保險規劃 (四) 正視高齡者生活，宜依退休需求分析打造心目中理想的退休生活。 The Financial Tsunami was deeply impacted global economic in recent years. Many countries encounter pension fund loss or insufficient. Regarding issue of long life people is going increasing; the problem of population aging is getting worse.The people of average life expectancy had been extended to 79.18 years old in 2010. Elderly population is expected to reach 20% of the total population in 2025. Related issues of old age medical care, long-term care and retirement planning will be a substantial increase in demand in the near future. This study uses literature method to explore the social welfare policy in elderly and insurance planning for an aging society. By in-depth study of related information: national social welfare policy, social insurance and commercial insurance, looking forward to making people have a clear and positive strategy in creating the ideal retirement planning.There are four conclusions: (1) Everyone should choose suitable insurance planning in order to facing rapidly aging society (2) the government welfare system as a cornerstone of the protection of old-age life (3) person that have more economic capacity could own a consolidate insurance plan (4) using retirement needs analysis to understand personal need.
