Under the current situation of the decline of the working population and the intensification of aging, a very real problem is: the basic pension insurance fund is under great pressure on income and expenditure, and is facing problems such as imbalance in pension treatment.
According to the previous prediction of the Chinese Academy of Sciences, it is expected that the basic pension insurance fund for urban employees will be fully exhausted by about 2035. This also means that from 2035 onwards, the basic pension insurance fund for urban workers will face a certain gap every year, and the cumulative gap may reach 10~15 trillion by 2050, or even higher.
The current status of pension income and expenditure is that with the development of the national economy and the further rise of the monthly per capita wage level of on-the-job workers, in 2024, many places have also issued notices to clearly raise the payment base of basic pension insurance for employees, in order to increase fund income to cope with expenditure pressure.
For example, Shenzhen has made it clear that from January 1, 2024 ~ June 30, 2024, the monthly payment base of basic pension insurance for employees of enterprises in Shenzhen will be implemented at no less than 3,523 yuan, an increase of 1,163 yuan/month compared with 2023.
However, it is worth mentioning that many provinces and cities have actually had a situation where the basic pension insurance fund for employees cannot offset the expenditure.
In the "National Statistical Yearbook (2023)" released by the National Bureau of Statistics, the overall operation of the basic pension insurance for employees in mainland China in 2022 is mentioned. According to the data, by the end of 2022, the cumulative balance of basic pension insurance for urban employees will be 5,689 billion yuan, which can ensure that the basic pension of retirees is paid on time and in full.
However, if you look at it by region, Tianjin, Hebei, Shanxi, Inner Mongolia, Shandong and many other provinces and cities all need the central government's funds to adjust in order to ensure that pensions are paid in full and on time. Therefore, from this point of view, the operation of the pension insurance fund is not optimistic.
Moreover, according to the forecast of the National Health Commission, it is expected that by 2025, the number of elderly people aged 60 and above in the mainland will exceed 300 million, and by 2035, the elderly population aged 60 and above will officially exceed 400 million, and the proportion of the elderly population will reach 28.3%, gradually entering the stage of severe aging from moderate aging, which also indicates that the elderly population will face more serious pension pressure.
In order to ensure the smooth and long-term operation of the pension system, but also in order to make more reasonable and efficient use of pension resources, in recent years, all localities have strictly controlled the "three passes" (data comparison, handling and auditing, fund supervision), and further strengthened the management of the pension insurance fund, and took many measures to prevent and eliminate fraudulent pensions, and escorted the safety of the pension insurance fund.
Based on this policy background, in order to prevent pensions from being fraudulently claimed, substituted, and abused, the pensions of the following three categories of people may also be suspended in 2024. Moreover, for those who have been identified as receiving basic pensions in violation of regulations, they may also have to be recovered in accordance with the law!
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The retiree has passed away
Family members are still collecting them
The relevant policy has been clear, pensioners who enjoy pension benefits will stop receiving pensions in the next month after their death, and their families need to register with the social security department as soon as possible, and inherit the remaining part of the personal account, and apply for funeral expenses and subsidies at the same time.
However, in reality, some family members in order to secretly receive pensions, but choose to conceal and not report, once this behavior is strictly investigated, not only to recover the overreceived pension, and even for the family members who receive it, but also to impose a fine of more than twice as much.
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Fraudulent pension claims
In the past, before the start of the pension qualification certification process, the mainland's social security was not so sound, and most of the pensions were not distributed at the provincial level.
In this case, some localities may take advantage of their positions to impersonate others to receive pensions and take the pensions that belong to others as their own.
This kind of fraudulent behavior is obviously in violation of national law, and once investigated, not only will you be fined, but you may even be imprisoned.
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Duplicate pensions
In order to receive more pensions, some people will carry out two sets of operations, paying social security for employees on the one hand, and pension insurance for urban and rural residents on the other, thinking that they can receive two pensions in the future.
As everyone knows, this approach is not only unworkable, but once it is found that there is a duplicate pension, it will also be heavily punished.
In short, we must understand the above three situations in advance and receive a basic pension on a monthly basis in accordance with laws and regulations. If not, not only will the pensions that are fraudulently claimed, repeatedly received, or substituted be recovered, but they will even face legal sanctions, and the gains outweigh the losses!
Wan Ziwen said: Every word of the article was typed out by me, and I clicked "watching" to let me know that you are also "doing your best" for life.
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