职工们最早可在62岁时领取养老金，不过大多数人会等到65岁，而即使从65岁算起，人们的平均寿命还会有15年。
Workers can draw a pension as early as age 62, though most wait till 65, and even then will on average survive for about 15 years.
事实上，所有的个人帐户都是虚拟的，因为职工直到退休后才可以领到养老金，同时还需要缴费15年以上。
Individual accounts are in fact, virtual, because employees will not be able to cash out their pension until they retire, and have contributed to their individual accounts for at least 15 years.
从7月1日开始，澳大利亚领养老金的人将通过“工作奖励”得到改善，可以找到兼职工作或者延长退休时间。
Beginning July 1, Australian pensioners will get improved "work bonuses" to find part-time jobs or stay longer in the workforce.
一个职工的养老金来自两方面：一是社会统筹拨给他（她）的钱，二是个人帐户里的钱。
Their pension will come from two sources: first, the money allotted to them from the big, social pool. and, second, the money from their individual accounts.
对于新制度实施前参加工作、实施后退休的职工，还要加发过渡性养老金。
Those who started working before, and retired after, the implementation of this new system are entitled to an additional pension for the transitional period.
但是不断下降的生育率则表明到2050年美国将会出现2.6个美国人供养一个领取养老金的退休职工，而这个数据在法国、德国以及意大利则分别是1.9,1.6和1.5。
But declining fertility rates imply that by 2050 there will be just 2.6 American workers supporting each pensioner and the figures for France, Germany and Italy will be 1.9, 1.6 and 1.5 respectively.
但是不断下降的生育率则表明到2050年美国将会出现2.6个美国人供养一个领取养老金的退休职工，而这个数据在法国、德国以及意大利则分别是1.9,1.6和1.5。
But declining fertility rates imply that by 2050 there will be just 2.6 American workers supporting each pensioner and the figures for France, Germany and Italy will be 1.9, 1.6 and 1.5 respectively.
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