The pension treatment in 2023 has not been announced, and there are new adjustments to social security and medical insurance! Want to know? Come and see!
July 2023 is not far away, and the adjustment plan of pension benefits in various places has not been announced. The pension ratio adjustment will be smaller in 2023, so this topic has attracted much attention. Not only that, there are new adjustments to medical insurance, unemployment benefits, and housing provident funds, which are closely related to everyone's personal interests, and we need to understand them in advance.
In daily life, getting sick is inevitable, whether young or old, medical expenses are a headache. Especially for patients with long-term chronic diseases, the treatment cycle is long, the cost is high, and it is likely to cause economic burden. With the development of the times, the mainland's medical system has become increasingly perfect, and the medical insurance treatment has also reduced the burden of the insured. However, to enjoy these benefits, it is provided that premiums are paid on time and without interruption. At present, the pressure of medical insurance is not small, and with the increase of prices and wages, the level of medical contributions will also increase appropriately. For example, Zhongshan City stipulates that for the current employer fee rate below 5%, it will be increased to 5% in 2022. In addition, in July 2023, the combined collection of employee maternity insurance and employee medical insurance will be implemented, and employers will be required to bear 0.8% of the maternity insurance premium.
From July 1, 2023, the contribution of employers of basic insurance for employees will be adjusted from 4.8% to 5.8%, which will actually increase by 1 percentage point. There are also measures to deal with those who have reached retirement age but have not paid enough health insurance on time. In Zhuhai, for example, male employees need to be insured for 30 years, while female employees need to be insured for 25 years. According to the current social insurance law, those who have not paid social insurance can make up the unpaid amount in one lump sum after reaching the statutory retirement age, thus enjoying the overall benefits. However, when making payments, it is necessary to pay attention to whether it is accounted for collectively or separately. For the unified accounting method, the unpaid amount can be made up at one time; In the case of separate accounting, it needs to be completed year by year after reaching a certain statutory retirement age. The proportion of individual account funds has increased from 4% to 5%, and the proportion of housing provident fund has increased from 2.3% to 2.5%, so it is necessary to make decisions according to the financial situation of individuals when enrolling.
The standard of payment of unemployment insurance benefits has also been raised. For those who have paid unemployment insurance premiums for one year, they can apply for an unemployment bond. The longer the fee paid, the longer it takes to receive it, and as local standards increase, so will the standard for the payment of insurance benefits. Taking Tianjin as an example, from July 1, 2023, the standard for the payment of unemployment insurance benefits will be raised. At present, the collection period is from 1 to 12 months, and the payment standard has been raised from 1600 yuan to 1680 yuan. If the period of entitlement is from the 13th to the 24th month, the payment standard will be raised from 1560 yuan to 1640 yuan. This is undoubtedly good news for the vast number of unemployed people.
In terms of housing provident fund, there are also some changes. The payment period of the housing provident fund is usually from July 1 of the current year to June 30 of the following year, so in July every year, the payment base will be newly adjusted. In addition, June 30 every year is the interest settlement date of the housing provident fund, at which time the local government will settle according to the central bank's one-year savings rate, and the current interest rate is 1.50%. Therefore, starting in July, each person's housing provident fund account balance will increase another income. The change in the housing provident fund aims to improve people's lives, increase the income level of employees, and reduce their burden. In Sichuan, for example, the CPF contribution system is changing, and Chongqing Municipality will calculate the contribution base based on the monthly salary level of the employee in the previous year.
In general, the payment standards of provident fund, medical insurance and unemployment benefits have all been raised in July 2023, which has an important impact on individual income and quality of life. For employees, take-home pay may be reduced, but the change in base will provide more support for employees' housing and improve living standards. In addition, changes can help achieve a more equitable distribution of benefits. So, by July, these changes will bring you an additional income.
What are your thoughts on these CPF, Medicare and unemployment adjustments? Welcome to leave a message in the comment area and discuss together!
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