Since 2024, many retirees are looking forward to the rise of pensions, and the news has also released a series of positive signals, such as the Ministry of Human Resources and Social Security and the Ministry of Finance have announced some data at the press conference, such as the Ministry of Finance said that by the end of 2023, the cumulative balance of the enterprise pension insurance fund is close to 6 trillion, and the pension can be guaranteed to be paid in full. For another example, some places have also made it clear that the probability of raising pensions for the 20th consecutive year in 2024 is undoubtedly relatively large, so can corporate retirees rise by 7.5%?
If you look at the increase ratio, the pension increase in these years has been less than 5%, and it is obviously unrealistic to reach 7.5%, for example, the pension will increase by 4.5% in 2021, 4% in 2022, and 3.8% in 2023. 7.5% is equivalent to nearly twice the increase in pensions last year.
In fact, the determination of the pension increase ratio is based on the per capita pension of retirees of government agencies and institutions and retirees of enterprises in the previous year, and is comprehensively determined according to factors such as wage income and prices, and has nothing to do with the retirement status of retirees.
Considering this situation, and in the context of the accelerated aging of the population and the decline in the pension rate year by year, even if the pension is adjusted this year, the increase rate is expected to be about 3.5%.
Of course, because the pension level of its enterprise retirees is also uneven, some can reach more than five or six thousand yuan, and some may be more than 1,000 yuan. In the case of a large difference in the pension base, the final increase ratio will be quite different. Let's assume that a corporate retiree has a pension of 6,500 yuan, which belongs to a state-owned enterprise retirement, with 40 years of service, and another enterprise retiree, with a pension of 1,500 yuan and 20 years of service.
If the pension rises by 3.5% this year, because the pension is carried out by a combination of fixed adjustments, linked adjustments and inclined adjustments, which is embodied in the adjustment standards, the local area is like this: fixed adjustment of 35 yuan, linked adjustment, the length of service increases by 1.4 yuan per year, and the pension level is linked to the part, the increase is 1.2%, the old age tilt adjustment, over 70 years old, an additional 40 yuan -50 yuan.
So according to this adjustment plan, the pension of 6500 yuan retired personnel, in the case of enjoying the old age tilt adjustment, the pension can rise at least 35 + 40 * 1.4 + 6500 * 1.2% + 40 = 209 yuan, the corresponding increase ratio is 209 / 6500 = 3.2%.
Pension of 6,500 yuan of retirees, in the case of enjoying the adjustment of the old age, the pension can rise by at least 35 + 20 * 1.4 + 1500 * 1.2% + 40 = 121 yuan, the corresponding increase ratio is 121/1500 = 8.1%, more than 7.5%.
That is to say, the same enterprise retirees, some people due to the low level of pension, but at the same time enjoy the fixed adjustment, linked adjustment and old age tilt adjustment, resulting in a larger amount of rise, the actual increase rate can reach more than 7.5%.
Regarding the rise in pensions in 2024, in fact, the fundamentals have been released one after another, such as the Ministry of Human Resources and Social Security and the Ministry of Finance have released some data, the social security fund maintains a steady operation, and Henan and other places have also stated that they will improve the pension standards of retirees, and the possibility of continuing to rise in 2024 is still relatively large, when the retirees of enterprises and institutions will participate in the rise, and the proportion of the rise is also unified, will not be treated differently, from the perspective of the rise, it is expected to be about 3.5%. However, due to the low pension level of retirees in some enterprises and the tilt adjustment, the actual increase may reach more than 7.5%.
Coming from: Social Insurance House