Are you satisfied with your pension? The amount of pension is not equal for everyone, and the gap is still very large. Some people propose that the pension will stop rising when it reaches 5,000 yuan, and if it is less than 3,000 yuan, it will increase more, are you willing to accept it in this way? Will the state implement it like this? The answer should be no, let us take a detailed look at the reasons.
1. High-income earners are out of insurance
Endowment insurance is an insurance that is mandatory for the state to pay, in order to better improve the endowment system and truly realize the national endowment. In recent years, the phenomenon of aging in the mainland has been serious, and the demographic dividend is gradually disappearing. The pressure on young people has increased, and a family of three has to support both parents in addition to the cost of children's education, which is too burdensome. Many young people get up early and stay late, which consumes their physical fitness, and it is still difficult to improve their quality of life.
Therefore, the development and improvement of the pension insurance system is very necessary, but the amount of pension is not one-size-fits-all, but is measured and calculated according to the individual's situation. The gap between the highest and lowest pensions is still very large, which will cause dissatisfaction among some groups, since it is the state that pays pensions, why is the gap so large.
It is precisely because of this that some people have proposed a plan that can implement a limit of 5,000 and a rise of less than 3,000. In fact, this kind of solution, on the surface, seems reasonable, but in fact it is even more unfair. In order to illustrate this problem, let's first understand the payment of pensions.
The amount of pension is calculated according to three indexes, the calculation base, the payment index, and the payment period. The level of the calculation base is related to the economic level of the paying city, and the payment index is related to the income level of the individual.
The group with a high amount of pension payment is to go to big cities to develop through their own efforts to obtain a higher calculation base. On the other hand, work diligently, get a high salary, and increase the contribution index. Both of these aspects require the efforts of the contributory group to achieve, if it exceeds 5,000 across the board, it will make the high-income group feel cold, and then give up paying social security.
On the other hand, there are already some groups with pensions of more than 5,000, and it is not feasible to reduce the pension to 5,000 in this case. How can there be a reason why the economic level rises and the pension declines.
2. Low-income people have difficulty receiving it
There are many low-income groups who will receive more pensions in their later years than their original salaries. This is due to the high urban calculation and development index of social security, the high level of urban economic development, and the large amount of funds collected in the pension account pool of the whole society, which is a good situation for low-income groups.
However, if there is a pension limit of 5,000, the high-income group will be disappointed in the pension, and then the number of contributors will decrease. This will lead to a reduction in the overall pension account of the city, and there will no longer be a situation where the pension is higher than the salary of the low-income group, which is detrimental to the low-income group.
On the other hand, in order to realize the function of pension security, the social security payment base may be increased. This is even more disadvantageous for low-income groups, the income itself is low, after the amount of payment increases, the income left for living expenses will become less, life will be difficult, and more and more low-income groups will be difficult to afford the amount of pension insurance
To sum up, if the implementation of the 5,000 limit, less than 3,000 more plan, will increase the difficulty of low-income groups to receive pensions. On the one hand, high-income earners give up paying pensions, which makes pension increases unrealizable. On the other hand, raising the pension insurance base, low-income people can hardly bear the cost of pension insurance, there will be a problem of insurance breakage, and there is no hope of receiving it.
3. Commercial insurance is prevalent
Different from the pension insurance system implemented by the state, commercial insurance has a commercial nature, and the purpose is to obtain corporate profits rather than improve the level of pension insurance. After the pension amount reaches 5,000, the high-income group will lose confidence in the pension insurance and turn to commercial insurance, which is relatively much deeper.
Commercial insurance is mostly fanciful, but customers are very likely to sign terms that are unfavorable to them when they pay for commercial insurance. Commercial insurance is basically equivalent to a savings deposit, paying a certain fee on time, and paying the principal and interest when due. There are also quite a few small insurance companies with excellent insurance terms, but the company goes out of business after the premium is collected.
Such situations can have many negative consequences, and there will be many conflicts and disputes between policyholders and insurance companies, which will bring a workload to the judicial system. It will also induce the emergence of criminal acts of insurance fraud, and many illegal and criminal elements, seeing that it is profitable, will join the illegal sequence one after another, and the social order will be chaotic.
Fourth, it is impossible to guarantee the pension
In recent years, not only has the country's economic level improved, the minimum wage has risen, and prices have also risen a lot, and they will continue to rise. If the pension rises to 5,000 yuan, it actually means that the pension has fallen and the purchasing power level has declined. For the working class, after a lifetime of struggle, the standard of living of the elderly has seriously declined, which is unreasonable.
In the long run, pensions will be difficult to ensure the lives of the elderly, which will prompt the elderly to still need to work hard after entering the retirement age. Or it increases the burden of young people's pension, and the pressure on young people further increases, which is contrary to the original intention of the state to set up pension insurance.
Fifth, it is not conducive to social stability
In fact, a large part of the reason for the high pension insurance received by high-income groups is that the amount of pension paid is also high, which is a reasonable situation. If the pension insurance of high-income groups is increased, but the low-income groups are pension insurance premiums continue to grow, which is an unbalanced phenomenon in itself, and there will be social problems in the long run.
It can be understood that whether it is ancient or modern China, the outbreak of social disputes is caused by social injustice. After the unfairness of pension insurance, a large number of groups will be dissatisfied with the government, and then they may want to ask for an explanation. Social instability is not conducive to the development and progress of the country's economy.
brief summary
The difference in the amount of pension insurance is not small, but it is actually reasonable, and it is calculated and paid according to the way of more work and more reward. Some people have proposed to increase the limit and continue to grow partly, which is reasonable on the surface, but in fact it is more risky.
Such a scheme would lead to a break in contributions for high-income earners and difficulties for low-income earners. On the other hand, commercial insurance will prevail, breeding illegal and criminal acts of insurance fraud. What's more, some groups will think that the social system is unfair, and then go to the front of the government to vent their dissatisfaction, seriously disrupting social order. What do you think about the payment of pensions?