First of all, according to our current pension insurance system, if insured employees want to apply for a basic pension on a monthly basis, they need to meet the following two prerequisites at the same time:
1. The cumulative payment time must be 15 years
2. Meet the statutory retirement age, that is, male employees must be at least 60 years old, female employees must be at least 50 years old, and female cadres must be at least 55 years old.
If this is calculated, then people born between 1964 and 1974, on the premise of accumulating insurance contributions for 15 years, can apply for retirement procedures in 2024 and enjoy the following 4 benefits:
.01
Nationwide
The basic endowment insurance has been further coordinated and improved
At present, the basic old-age insurance system for urban workers in the mainland has not realized the unified revenue and expenditure nationwide, and the calculation and payment base and treatment level of basic old-age insurance are not the same in different areas.
At the press conference held by the Ministry of Human Resources and Social Security at the beginning of this year, the state emphasized that in 2024, the state will further actively promote the overall planning and improvement of the basic old-age insurance system nationwide, and strive to provide more adequate basic old-age security for the majority of retirees. Once the basic endowment insurance can be coordinated nationwide, the pension distribution will usher in three major changes:
1. Unified pension calculation and payment base. At present, the difference in the pension calculation base across the country is very large, ranging from 6,000 to 10,000 yuan. For example, Beijing is 10,534 yuan, Shandong Province is only 6,897 yuan, and Liaoning Province is only 6,306 yuan. After the overall planning is realized, the pension calculation and payment base will be gradually unified.
2. Unified pension payment method. Since 2019, the state has promoted the issuance of all our social insurance benefits through social security cards, which has been basically realized. Starting from January 1, 2022, Hunan Province has clearly issued pensions through social security cards.
After the realization of the national overall planning of pension insurance, the relevant pension insurance funds will achieve nationwide unified revenue and expenditure, to provide better protection for the distribution of pensions, and will be issued by the treasury in the future.
3. Unified pension adjustment model. Now there are more than 30 programs in the country, and each province and city has its own program. In some areas, due to the high average social wage and high pension level, when the pension is increased in the same proportion, the increase is still high, so that the absolute difference in pension will still be bigger and bigger. After the unified adjustment of the country, the gap between everyone's pension levels will be gradually narrowed through pension adjustment.
In short, with the further coordination and improvement of basic pension insurance in various places, insured employees who will retire in 2024 may also benefit from it.
.02
Not subject to "delayed retirement"
The impact of this policy
According to the predictions of professionals, in the context of the intensification of population aging, the postponement of the statutory retirement age has become the general trend, and in the 14th Five-Year Plan, it is clear that the state will clearly consider the increase in per capita life expectancy, the acceleration of the aging trend of the population, the increase in the number of years of education, the change in the labor force structure and other factors, in accordance with the principles of small step adjustment, flexible implementation, classification promotion, and overall consideration, and gradually postpone the statutory retirement age.
It is reported that the postponement of retirement may postpone the retirement age to 65 years old, and at that time, the retirement age of both male and female employees will be postponed.
However, professionals also said that even if retirement is delayed, it is impossible to "one size fits all", and a gradual adjustment strategy will be adopted, or postponed for a few months every year, or postponed for one month every few months.
Presently. The implementation measures and implementation time of delayed retirement have not yet been announced, which means that for the elderly group who meet the retirement conditions in 2024, there is a high probability that they will not be affected by delayed retirement.
.03
The personal pension system is fully implemented
In 2022, the mainland will launch another "personal pension", the biggest features of this pension are:
1) The money you pay is used by yourself, and you don't need to redistribute it like our social security
2) There is no mandatory payment, it is mainly voluntary, and the payment is also borne by yourself
3) The annual payment limit is 12,000 yuan
4) You can also choose to buy financial products by yourself, and the financial products that are docked are all qualified products that have been screened, so you can rest assured that you will manage your finances
5) It cannot be withdrawn in advance and locked until retirement, which is equivalent to compulsory saving
Moreover, according to the provisions of the "Measures for the Implementation of Personal Pensions", when participants reach the basic pension age, they can receive personal pensions on a monthly, installment or one-time basis.
In this year's government work report, it is clearly mentioned that the personal pension system should be implemented nationwide. In this way, if the insured employees who retire in 2024 have actively participated in the payment of personal pensions since 2022, then after retirement, when they apply for a basic pension on a monthly basis, they can also enjoy another pension security, that is, personal pensions.
Moreover, it is worth mentioning that if the amount of contributions of the participants is higher, then the treatment of personal pension after retirement is relatively high.
.04
Medical security benefits have been improved
This mainly includes several aspects:
1. Increase in the proportion of outpatient reimbursement: The proportion of outpatient reimbursement for retirees is basically above 50%, which is 5%~10% higher than that of in-service personnel.
2. The amount of outpatient reimbursement is increased in a natural year. Taking Qingdao, Shandong Province as an example, the reimbursement limit for retired employees in a medical year is 1,000 yuan higher than that of active employees, reaching 7,000 yuan.
3. Wider scope of outpatient reimbursement. Chronic diseases, general outpatient clinics, prenatal examinations and other outpatient expenses that meet the scope of medical insurance protection are included in the scope of outpatient reimbursement with the improvement of the employee medical insurance outpatient security mutual aid system, which shows that retirees enjoy more medical insurance protection.
To sum up, from the perspective of these aspects, retirees who retire in 2024 and can enjoy lifelong medical security benefits will enjoy higher protection in terms of medical insurance than in-service personnel, and at the same time, compared with before, whether it is the reimbursement ratio of outpatient medical treatment, the reimbursement limit or the reimbursement scope, have been improved.
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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