Social security is a topic that everyone cares about, which is related to our quality of life and future old-age security. However, recently there is news that the social security payment period may be adjusted, which makes many people feel worried and uneasy. What's going on? What impact will the adjustment of the social security contribution period have on us?
1. Will the social security payment period be adjusted?
The number of years of social insurance contributions refers to the number of years that employees who participate in basic endowment insurance have paid basic endowment insurance premiums cumulatively before retirement. At present, the mainland's social security contribution period policy is formulated by each province itself, and different regions have different standards.
In general, the contributory period is between 15 and 35 years for male employees and between 15 and 30 years for female employees. Employees who have reached the statutory retirement age and meet the requirements for the number of years of contribution can enjoy basic pension benefits after retirement; Employees who do not meet the requirements for the number of years of contribution may continue to contribute until the prescribed number of years is reached, or apply for a lump-sum pension.
So, what is the specific plan for adjusting the social security contribution period?
In fact, there is no official document yet, but according to some media reports and expert suggestions, you can roughly understand the possible directions and content.
According to the "14th Five-Year Plan" for the development of human resources and social security, the mainland will realize the national overall planning of basic endowment insurance and establish an individual pension system based on the account system. In order to meet this goal, it is necessary to gradually extend the number of years of social security contributions to reach a reasonable level by 2030 and achieve national unification.
The specific payment period standards can refer to international experience and the actual situation in the mainland, and comprehensively consider factors such as the degree of population aging, the level of economic development, and the situation of the labor market.
However, due to the large differences in economic and social development between mainland regions, and the social security payment period policies in different regions, the adjustment of social security payment period cannot be implemented in one size. Instead, it should be implemented in phases, with regional transitions and population groups.
Specifically: it can be divided into pilot phase, promotion phase and full implementation phase. In the pilot stage, some economically developed provinces, high aging populations and high pressure on social security funds can be piloted to extend the number of social insurance contributions and summarize lessons learned.
Then, according to the pilot effect, the policy of extending the social security payment period will be gradually extended to other provinces, and corresponding adjustments and improvements will be carried out, and finally the standards and policies of the social security payment period will be unified nationwide, and connected with the national pooling of basic endowment insurance and the individual pension system.
Second, why adjust the social security payment period?
The mainland has entered an aging society, and it is expected that by 2025, the number of people aged 60 and above will reach 300 million.
The aging has brought about an increase in pension expenditure and a decrease in income, resulting in severe fiscal pressure and sustainability challenges for the pension system. In order to balance pension income and expenditure and extend the pension payment period, it is necessary to appropriately extend the number of years of social security contributions and increase personal and social savings.
Moreover, at present, there are great differences in the policies of social insurance payment years in different regions of the mainland, resulting in unequal treatment of insured persons in different regions under the same conditions.
For example, in Guangdong Province, male employees need to contribute for 15 years to enjoy basic pension benefits; In Beijing, male employees only need to pay contributions for 10 years to enjoy basic pension benefits. Such differences are not conducive to achieving national coherence and institutional equity.
Therefore, it is necessary to gradually unify the national policy on the number of years of social insurance contributions and eliminate regional differences and discrimination.
With the transformation and upgrading of the economic structure and the advancement of science and technology, the labor situation has also changed. On the one hand, the total supply of labor has declined, and the quality of labor has improved. On the other hand, employment forms are diversified, with an increase in flexible employment and new business employment.
These changes require us to adapt our social security system design to the new economic and employment environment. Extending the number of years of social security contributions can encourage workers to delay retirement and increase the employment participation rate, and at the same time, it can also increase the willingness and ability of flexible employment and new industry employment personnel to participate in insurance, and expand social security coverage.
Third, the adjustment of the payment period, these three types of people are easily affected!
The adjustment of the social security contribution period is undoubtedly a major reform measure, which will have a profound impact on our lives and work.
The first group: people with lower incomes, job instability, poor health, and shorter life expectancy
This group of people is already facing difficulties and pressures in life, and if the social security contribution period is extended, they will need to pay more social security fees, which will further reduce their living standards and spending power.
And, because their health and life expectancy are not ideal, they may not be able to receive pension benefits, or for a short period of time. In this way, they will feel unfair and dissatisfied, and may even trigger social instability and unrest.
Therefore, for this group of people, it is not advantageous to extend the number of years of social security contributions.
The second category: people with higher incomes, stable jobs, good health, and longer life expectancy
Such people already enjoy relatively superior living conditions and environment at present, and if they extend the social security contribution period, they can enjoy a longer pension.
In addition, their health and life expectancy are better, and they can improve their future pension levels and quality of life by increasing their savings. In this way, they will feel fair and satisfied, and may even promote social harmony and progress. For this group of people, it is advantageous to extend the number of years of social security contributions.
The third group of people: young people who work shorter hours
For young people who work shorter hours, they may not be fully aware of the importance of social security and have not considered their retirement. At present, they have not formed a stable income and work status, and if they extend the social security contribution period, they need to bear more social security responsibilities and costs from the beginning.
However, if the number of years of social security contributions is adjusted, then they may need to start thinking about this issue in advance. They need to calculate how many years they need to contribute to Social Security and how much they can receive when they retire.
Second, they may need to start saving and investing to prepare for their retirement. They may need to learn and master some financial management knowledge to ensure that they can live a comfortable life after retirement.
And because they haven't accumulated enough Social Security funds and personal account balances, they may lack confidence and security in the pension system. As a result, they become confused and worried, and may even affect their willingness and ability to enroll.
Therefore, for this group of people, extending the number of years of social security contributions is challenging.
epilogue
The adjustment of the social security contribution period is a major and arduous task, which involves the vital interests of thousands of households and the long-term development of the country.
We should not waste food because of choking, nor can we lose big because of small things, but should start from the overall situation, think in the long run, actively respond to and actively adapt to this reform. Only in this way can we improve and develop the social security system and lay a solid foundation for building a better future. #秋日生活打卡季#