The annual pension adjustment and replacement is coming, and the old people are also looking forward to more money. Although the specific adjustment plans for each region have not yet been fully released, they will definitely be reissued before July 31.
In this process, some retired elderly people said: they are enterprise retirees, the pension level is relatively low, even if the pension continues to rise this year, they can not reissue much. He also said that the amount of adjustment and reissue of retired enterprise personnel is incomparable with that of personnel of organs and institutions. The implication is that retirees in public institutions are reissued much more than themselves.
As soon as this remark came out, many retired elderly people agreed. It is believed that enterprise retirees are certainly not superior to retirees from organs and institutions in the process of pension repayment and adjustment. After all, the personnel of government agencies and institutions tend to have longer working years, a higher contribution base, and a higher balance accumulated in individual pension accounts. Under the same adjustment plan, the number of retirees in government agencies and institutions will inevitably increase more than the number of retired personnel from enterprises.
In fact, it is not surprising that the old people have such ideas, after all, the basic pension level of retirees in institutions and institutions is often higher, even if they have the same length of service and the same age, the same adjustment plan, their pension will rise higher. How much higher, let's give an example:
Let's assume that Lao Li, a retired enterprise employee, is 70 years old this year, has 25 years of service, and has a basic pension level of 2,500 yuan. Lao Zhang, a retiree of government agencies and institutions, is also 70 years old this year, and his service experience is also 25 years, but the basic pension level is 3,500 yuan.
According to the fixed amount adjustment of 50 yuan, the length of service is linked to 1 yuan for every full year, and the pension level is linked to 2% to calculate, and finally the retirees of organs and institutions will increase by 20 yuan more than the retired personnel of enterprises. Although this gap is not large, it will gradually become larger over time.
However, if we want to say that the personnel of enterprises and retirements, will they necessarily be adjusted less than the personnel of organs and institutions? Not necessarily.
As we all know, the mainland's pension has three pillars, namely basic pension, enterprise annuity and occupational annuity, and individual pension. Personnel of government agencies and institutions often have occupational pensions. However, in order to save employment costs, most enterprises generally rarely pay enterprise annuities to employees. As a result, the pension gap between the two increases after retirement.
However, enterprise annuities and occupational annuities do not participate in pension adjustments. If an enterprise retiree has a longer working life and a higher pension level than retirees from institutions and institutions, it is likely to exceed the other party in the process of pension adjustment and replacement. Although there is still a gap in the total amount of the final pension, it is not impossible to exceed the personnel of organs and institutions from the perspective of the basic pension adjustment alone.
All in all, the probability of adjusting the amount of retirees in government agencies and institutions exceeding the number of retirees from enterprises is indeed greater. However, this matter is not absolute. After all, there are also some retirees who have paid longer and paid a higher base in order to be able to get more pensions. This part of the population may have to adjust more than the retirees of grassroots organs and institutions.
The reason why there is a gap in pension between enterprise retirees and personnel of institutions and institutions is fundamentally because of the different bases of contributions. We also hope that in the future, the state can introduce corresponding policies to force companies to increase the pension insurance payment base as employees' wages rise. In this way, the balance accumulated by the enterprise retirees in the personal pension account will be higher. After retirement, you can also get more pensions.