This year's government work report has clearly mentioned that it is necessary to continue to raise the pension treatment of the retired elderly, so it is basically a sure thing to continue to raise the pension this year, but as of now the pension adjustment plan has not been announced, many retirees are more anxious, everyone is concerned, when will the pension be announced, how much can they be raised?
Judging from the actual situation of pension adjustment over the years, as for how much each retired elderly person can be raised, it varies from person to person, and on the whole, the pension adjustment is generally composed of three parts: fixed amount adjustment plus linked adjustment and tilt adjustment.
In the end, how much the pension can be raised has a lot to do with everyone's basic pension, payment period, and age.
It is also because there are many factors for the reference of pension increases, as a result, the difference between the magnitude of pension increases for different people is relatively large, and on the whole, the lower the pension, the higher the proportion of people who can raise it.
However, for the majority of retirees, I believe that everyone's attention to the adjustment of the quota far exceeds the attention of the adjustment ratio, and it is true that more quotas can be raised.
From a practical point of view, those who have a higher pension can increase the absolute amount is generally higher. For example, if a person's pension is 8,000 yuan, even if he only raises it by 3.5%, the amount he can increase in a month will reach 280 yuan, while another person's retirement salary is only 2,000 yuan, even if he raises it by 6%, the increase is only about 120 yuan.
Seeing this, many people feel that this adjustment method is not very fair, on the surface, people with low pensions can raise more by a larger amount, but in fact, the overall pension is still gradually opened, and the higher the pension, the higher the person is getting higher and higher.
So how can we narrow this gap? Some people have suggested that instead of adjusting according to the peg, it should be adjusted according to a fixed quota.
According to the data released by the Ministry of Human Resources and Social Security, the total expenditure of the basic pension insurance fund for urban employees in mainland China in 2023 will be 6,359.48 billion yuan, and as of the end of 2022, the number of retirees insured by urban workers in mainland China will be 136.44 million, an increase of 4.87 million year-on-year.
According to this calculation, by the end of 2023, there should be more than 140 million retirees in the mainland, so the average annual pension of retirees in the mainland in 2023 will be about 45,420 yuan, and the average monthly pension per capita will be about 3,780 yuan.
Referring to this average pension, if the pension increase in 2023 remains at the same level as in 2022, that is, 3.8%, the per capita pension can be raised by about 144 yuan.
Therefore, some people suggest that the adjustment of pensions should be adjusted on the basis of the average pension to raise the fixed amount, and all retirees should be raised according to the fixed amount of about 150 yuan, and everyone is equal.
So is this possible?
To be sure, it's not feasible.
On the one hand, this approach is inconsistent with the mainland's social security policy.
According to the relevant policies of social security in the mainland, the pension follows the mechanism of overpayment and long-term payment, which not only has an impact on everyone when they receive a pension for the first time, but also continues to affect in the subsequent pension adjustment.
If the pension is raised according to a fixed amount, equality for all is contrary to this policy of paying more and paying more for a long time.
On the other hand, engaging in per capita will discourage everyone's enthusiasm for paying pension insurance.
As we all know, the current pension has a lot to do with everyone's on-the-job contributions, if you are on the job when the payment base is higher, the longer the payment period, the more pension you can get after retirement.
The purpose of this is to encourage everyone to pay more pension insurance, so that they can receive more pension when they retire.
If the pension increase is now out of the basic principle of "pay more and pay more for a long time", and everyone will raise the same amount, it will greatly reduce everyone's enthusiasm to pay.
Anyway, no matter how much you pay, the amount of pension increase after retirement is the same, then many people do not need to pay according to a high base, and there is no need to pay more years. When you are in service, you can pay 15 years in full accordance with the minimum contribution standard.
If everyone does this, it will definitely bring a lot of pressure to the pension fund, after all, the current pension in the mainland is a pay-as-you-go system, whether the pension can be issued has a lot to do with the payment of incumbents, if the incumbent pays the fund down, it will eventually affect the distribution of pensions for the elderly.
Combining all aspects of factors, in the pension adjustment of the implementation of equality, according to the fixed amount of upward adjustment is not feasible, although this approach can make the pension relatively low people satisfied, but for those who pay relatively high, the payment period is a great unfairness, is not conducive to the development of a virtuous cycle of pension.
Therefore, the most scientific plan for pension adjustment is still the original plan, which is not only to maintain a certain fixed amount of adjustment, narrow the pension gap between different groups of people, but also to implement the linkage ratio of the number of years in place, so as to truly achieve fairness.