If you liked this article, please click "Follow" in the top right. Thank you for your support and encouragement, and hope to bring you a comfortable reading experience.
For a while, there was news circulating on the Internet that in 2024, retirees across the country could receive a five-year retroactive pension.
And the standard for retroactive issuance is quite considerable, which is the level of 500% of the pension in 2023.
After this news was issued, some middle-aged and elderly people asked questions, because their annual pension was tens of thousands.
At a five-fold level, a one-time payment for five years is not a small amount.
So what is going on here? Is it really possible for the state to pay back so many pensions at once?
1. It is true that it should be reissued, but there are conditions
The news that the five-year pension will be directly repaid is indeed not groundless. According to the national policy, it is true that some people should be given retroactive pensions, but not everyone.
There are three conditions that must be met in order to receive the retroactive pension, and the first of these three conditions is that the elderly must retire in 1997 to apply.
The second is that the applicant's pension level must be lower than the local average, and third, the pension adjustment must lag behind the local general adjustment time.
To put it simply, the elderly who retired after 1997 cannot apply for pension retropayment.
In addition, if the date of payment on the retirement certificate is before 1997, but the current pension level is higher than the average amount published by the Social Security Administration, it cannot be repaid.
And even if it is to be reissued, it is still below the average amount. At the same time, the mainland has been adjusting the amount of pensions.
Because inflation is happening all the time, and then the cost of living is also getting higher, there are provinces that are reforming the standard of pensions all the time.
That is to say, this time people who can apply for a nationwide pension repayment again must first meet the strict restrictions that the adjustment of the pension lags behind the local general adjustment time before they can be repaid.
In this way, in fact, the amount of reissuance will not be too much.
Even if those who can meet the conditions get a retroactive pension, the amount of the retroactive payment may not exceed 1,000 yuan.
In essence, this reissue cannot meet any consumption needs, and it can only help some elderly people living in poverty to partially solve their stress.
For the vast majority of the elderly, there is no way to enjoy this pension repayment policy. Therefore, some old people who expect to make a lot of money through this pension repayment, don't hold such extravagant hopes anymore.
In fact, the state has been adjusting the pension itself for the sake of fairness.
If it is true, as some have claimed, a lump sum pension for all retirees will be paid back for five years.
And directly to give the original pension five times the amount, then the country's pension system will collapse.
Second, the number of elderly people in China is very large
China has entered an aging population because the growth rate of births has been decreasing. So in the foreseeable future, the number of people in need of a pension will grow further.
Now the social pension pressure in the mainland has been very great, according to the data of the National Bureau of Statistics.
In 2020, the number of urban and rural pension insurance participants in the country will reach 650 million, accounting for more than 40% of the country's total population.
And the number of retirees is 140 million, that is, these 140 million elderly people are receiving pensions every year.
According to the average level of pensions, the amount of pension to be paid to these 140 million people for five years may reach half of the national GDP.
And the state cannot use half of the annual output of 1.4 billion people to pay pensions to retirees. This is unrealistic no matter how you look at it.
Moreover, the pension received by retirees is essentially the pension paid by other participants in the pension insurance, and then paid to them. The part that is not enough is subsidized by the state treasury.
Nowadays, the number of elderly people is increasing, but the number of young and middle-aged people is decreasing. In other words, the amount of money spent by the state on pension subsidies is increasing every year.
As the number of older persons increases, so does the financial pressure on the State in this regard. According to the development trend of the United States and Western countries, in the end, the state may have to use 10% to 20% of its annual fiscal income to pay pensions to the elderly. That's a very large number.
The increase in the country's investment in social pension means that the investment in upgrading infrastructure and research and development of high-tech will decrease.
Reduced investment in these key areas will lead to a reduction in social jobs and a deterioration in the economic situation.
Then the passion of young and middle-aged people to educate and raise children will fade.
Then the population growth rate will be further reduced, the number of people who will end up paying pensions will be reduced, and government investment will increase again.
So it's a vicious circle in itself. Under the circumstance that the social pension pressure on the mainland is gradually increasing, it is obviously inappropriate to give pensions to too many elderly people at one time.
Therefore, everyone should have a certain ability to distinguish the news circulating on the Internet, and you can't believe what people say.
And what we can see is that the country has never changed the fine-tuning of the pension system when it is obviously facing great pressure.
To put it simply, the amount of pension has been reformed in line with the increase in the cost of living and changes in social and economic development.
The level of pensions has been in an upward trend, but the increase is not large.
At the same time, the governments of the local provinces are also supporting the country's national unified policy.
According to the local economic development situation, the pension is adjusted in a timely manner in order to meet the pension needs of retirees as much as possible.
And this time, the state will pay back pensions to specific groups of people, also because these people's lives are now difficult.
Most of the elderly who retired before 1997 will be at least 80 years old after the 20s of this century, but their pensions are calculated according to their pre-retirement income.
In the 90s, the renminbi was worth more than it is now, and social inflation was not so serious.
Therefore, it is inappropriate to continue to formulate pensions according to the standards of the time, and then pay them to these 80-year-olds.
Therefore, the targeted pension subsidies for these elderly people, or the one-time repayment of pensions for several years, are also out of the perspective of fairness.
It is so that these 80-year-olds can not have so much stress in life.
Therefore, you should not be angry and discriminate because this reissue does not involve all groups of people.
In fact, those who retire early do not receive as much pension as the elderly today.
3. There are several situations in which you can also receive a retroactive pension
In addition to these specific groups of people who are able to receive retroactive pensions this time.
If several special circumstances arise in the future, then the elderly group can also receive a supplementary pension from the state.
For example, some government agencies may face institutional reforms, or the state has carried out substantial reforms to the pension system, so after the reform, the pension level may rise. In such a situation, some elderly people whose interests have been damaged can get a unified repayment.
Then there is the fact that inflation is becoming more and more severe, and prices in the country are rising rapidly in a short period of time. If the pension issued by the state can no longer meet the living needs of the elderly, there will be a situation where the government regulates the pension standard and makes up the difference.
However, the probability of both scenarios is unlikely, especially in the second case, where prices skyrocket in the short term.
As a matter of fact, the mainland has always adhered to the strategy of macroeconomic regulation and control, and the price rise has also been kept within a controllable range for a long time, and the per capita income has also increased in line with the price rise. Therefore, the situation of large-scale subsidy pension for pensioners is unlikely at least at this stage.
In fact, the pressure on the country is relatively large, and for all the people, the state should not be expected to distribute ill-gotten gains.
If the state does send the money down, it turns out that there will be serious problems.
The development of the amount of pensions should have been controlled within a controllable range, taking into account the interests of the greatest number of people.
In the future, after seeing these similar news, you should not listen to it and believe it, but first verify it through official channels.
Whether the news that some people say is reliable or not is based on just a few articles on the Internet, saying that the state will issue pensions on a large scale.
This in itself is just a gimmick made up by some bloggers in order to gain traffic and make money.
And this practice actually breaks through the moral bottom line, because when they spread the news, they should have paid attention to the authenticity of the news first.
Nowadays, some bloggers on the Internet often do everything for traffic and to make money, they will deliberately make up news, and then spread these fake news.
Of course, the state still has relatively strict control over this aspect. In recent years, most of the people who have engaged in false public opinion propaganda and caused a bad impact have been punished by the law.
epilogue
For the elderly, they should learn more about pension-related policies and pay more attention to various official documents and documents issued by the state.
Only in this way can we better protect our legitimate rights and interests.
But don't keep thinking about pie in the sky, anything can only be obtained if you pay for it.
Nowadays, middle-aged and elderly people can enjoy pensions, and it is also because they made contributions to the country and the people and society when they were young, so the society will give them pensions to meet their daily life needs.
No one can receive a pension without paying.