1. **Consider the difference in pension levels**:
In the process of pension adjustment, the adjustment is obviously based on the length of service, which obviously ignores the difference in the pension level of different insured persons. This difference is largely due to differences in the level of contributions. Taking 20 years of service as an example, due to the difference in the level of contributions, some people's pensions may only be more than 1,000 yuan, while some people's pensions may be as high as three or four thousand yuan or even more. If the adjustment is based only on seniority, those with higher levels of contributions but shorter years of service may feel unfair, thus discouraging them to continue to pay at a higher level.
2. **Unfairness to those who work flexibly**:
For the special group of flexible employees, many of them do not have the traditional sense of service, but only the actual number of years of pension insurance. When the pension is adjusted, if the length of service is used as the criterion alone, these flexible employees may not be able to obtain an adjustment that matches their actual contribution years, resulting in their disadvantage in the pension adjustment. Such an adjustment would undoubtedly be unfair to this group.
3. **Local differences not taken into account**:
Pension adjustment should be a process that takes into account a variety of factors, including local differences. Factors such as the price level and cost of living in different regions will have an impact on the actual purchasing power of pensions. Therefore, simply adjusting pensions according to the length of service cannot reflect the tilt of the policy, nor can it take care of those retirees who live in areas of advanced age and high prices. In first-tier cities such as Shanghai and Beijing, for example, the same increase could mean a higher level of adjustment in these areas, where the cost of living is relatively high.
4. **Not conducive to the establishment of incentives**:
The adjustment of pensions should be a mechanism that can motivate the insured to actively contribute. If it is adjusted purely according to the length of service, then for those who have a higher level of contributions, they may feel that they have not been duly rewarded for their contributions, thus reducing their enthusiasm to pay. Such an adjustment is not conducive to the establishment of a healthy and sustainable pension system.
5. **A variety of factors need to be considered**:
To sum up, the adjustment of pensions should be a process that comprehensively considers a variety of factors, including individual contribution levels, actual payment years, local differences, etc. Only in this way can we ensure that the adjustment of pensions is fair and reasonable, which can not only ensure the basic life of retirees, but also motivate the insured to actively pay, so as to lay a solid foundation for the sustainable development of the pension insurance system.
6. **Policy Recommendations**:
Therefore, we suggest that when the pension is adjusted, a more comprehensive and scientific adjustment method should be adopted, which should not only consider the length of service, but also consider the factors such as the level of individual contributions and the actual number of years of payment. At the same time, differentiated adjustment policies should also be formulated according to the actual situation in different regions to ensure that the adjustment of pensions is more fair and reasonable. In this way, we can better protect the quality of life of retirees, and at the same time promote the healthy development of the pension insurance system.
7. **Conclusion**:
The adjustment of pension is an issue related to the vital interests of hundreds of millions of retirees, and it is also a major issue related to the sustainable development of the pension insurance system. Therefore, we must attach great importance to this issue and adopt a scientific and reasonable adjustment method to ensure that the adjustment of pensions is both fair and reasonable, and provide better protection for the lives of retirees.
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