In 2023, the pension calculation base of retirees in various provinces and cities will be exposed one after another, and some friends around me are also concerned about this issue. Some places have already made up their pensions, while others are still waiting anxiously, full of doubts, and they don't know when they will be able to make up their wishes.
Looking at the upcoming release of the 2023 monthly per capita disposable income data of urban residents in various provinces and cities, I began to think about the impact of this number on our lives. It is said that the higher the per capita disposable income of urban residents in the previous year, the more generous the funeral treatment of the insured persons of the enterprise employee pension insurance in the next year. This reminds me that those who are insured in flexible employment status, especially if they die due to illness or non-work-related reasons, can enjoy funeral treatment, which is really something I didn't know before.
Persons participating in the basic pension insurance for employees of enterprises, whether they are in-service employees, flexible employees, or enterprise retirees, are eligible to receive funeral subsidies and pensions as long as they die due to illness or non-work-related reasons, collectively referred to as funeral benefits. The standard of funeral subsidy is calculated according to twice the monthly per capita disposable income of urban residents in the province where the insured person died in the previous year.
The funeral benefits of incumbents are based on the monthly per capita disposable income of urban residents in the province where they are located in the previous year at the time of death, and the number of months of payment is determined according to the number of years of individual contributions. If the payment period is 10 years but not more than 15 years, it will be paid for 9 months, and if the payment period is more than 15 years, the number of payment months will be increased by 1 month for each additional year, and the maximum will not exceed 24 months, and even if the payment period is more than 30 years, it will only be calculated as 30 years.
The data in front of me made me very interested in the pension payment system in each province. In 2023, the per capita disposable income of urban residents in 31 provinces across the country has been announced. Shanghai topped the country with a monthly per capita disposable income of 7,456 yuan (up 6.48 percent), while Heilongjiang was at the bottom with 3,041 yuan (up 4.14 percent). This kind of data makes me wonder if there are huge differences in pensions and funeral benefits for people living in different provinces and cities.
Through the comparison of data, I found that the funeral treatment of Shanghai employee pension insurance participants is the highest, and the highest standard has reached 193856 yuan, which is eye-catching. In contrast, the funeral treatment of Heilongjiang employee pension insurance participants is the lowest, with the highest standard of only 79,066 yuan. What's more striking is that the funeral treatment standard of Heilongjiang's employee pension insurance participants is even higher than the minimum standard of Shanghai enterprise retirees, which is 33,451 yuan.
Comparing the funeral treatment in different regions, I found that the difference is really striking. The insured personnel of Shanghai employee pension insurance enjoy the highest funeral treatment in the country, while the treatment of Heilongjiang employee pension insurance participants is the lowest, which actually exceeds the minimum standard of retirees of Shanghai enterprises. This information really gave me a deeper understanding of the social insurance system in various places.
In my eyes, the situation in Beijing is particularly interesting. Since 2009, the funeral treatment of corporate retirees has been maintained at 5,000 yuan, which is obviously on the low side. However, in 2021, Beijing made major changes to the funeral benefits of corporate retirees who died after the implementation of the Social Insurance Law on July 1, 2011. It is said that this adjustment not only re-issued funeral benefits, but also increased the amount of re-payment with the passage of time of death, which is really a situation that changes dramatically.
At present, the minimum standard of funeral treatment for retirees in Beijing is 11 times the monthly per capita disposable income of urban residents in Beijing in the previous year, and the standard in 2024 is 81,268 yuan. This number is encouraging, and it makes me wonder if other provinces and cities have similar adjustments, and whether we will all be able to enjoy more generous funeral treatment in the future.
Looking at these colorful data and information, I can't help but look forward to the future reform of the pension system. I hope that in the near future, no matter where we are, we will be able to enjoy more fair and reasonable social security benefits. This may be just the tip of the iceberg behind the numbers, but