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With the intensification of population aging and the continuous improvement of the social security system, the pension issue has always been the focus of social attention. In 2024, the mainland pension will usher in the 20th consecutive increase, which is undoubtedly good news for the majority of retirees. However, retirees of different ages face different increases in pension adjustments. Today, the editor has compiled some relevant policy information to elaborate on the pension increase gap for retirees aged 69, 70 and 71, hoping to help you solve your questions.
First, the background of pension adjustment
As the main source of livelihood for retirees, the adjustment of pension is directly related to the quality of life of the elderly. Since 2005, the mainland has established a regular adjustment mechanism for the basic pension of enterprise retirees, aiming to ensure the basic living needs of retirees and at the same time reflect the state's care and respect for the elderly. According to the government work report, the basic pension of retirees will continue to be increased in 2024 to achieve the goal of continuous growth.
Second, the three major factors of pension adjustment
Pension adjustments are usually influenced by the following three factors:
1. Wage growth: The growth of pensions is closely related to the growth of workers' wages, and the increase in wage levels often leads to the rise of pensions.
2. Price changes: In order to ensure that the quality of life of retirees is not affected by price increases, pensions will be adjusted according to price changes.
3. Affordability of the pension insurance fund: The accumulated balance of the fund will directly affect the adjustment of the pension.
3. Pension adjustment gaps for retirees aged 69, 70 and 71
According to the existing policies and local implementation rules, the adjustment of pensions usually includes three ways: fixed adjustment, linked adjustment and inclined adjustment.
1. Quota Adjustment: All retirees will enjoy a flat fixed amount increase.
2. Linked adjustment: It is linked to the payment period and personal pension level of retirees, reflecting the principle of "paying more and getting more" and "paying more for a long time".
3. Tilt adjustment: additional growth for specific groups such as elderly retirees and retirees living in remote areas.
For retirees aged 69, 70 and 71, the main difference will be in the tilt adjustment. According to the policy of most regions, retirees aged 70 and above can enjoy the old age tilt adjustment. As a result, 71-year-old retirees are likely to receive higher growth in pension adjustments, while 69-year-old retirees will have to wait until the following year to reach 70 years before they can benefit from the advanced age tilt adjustment. Retirees over the age of 70 may not be able to take advantage of the Aged Tilt immediately in some areas, depending on local policies.
Fourth, the expectation and outlook of pension adjustment
Although no specific pension adjustment plan has been announced, it is expected that the pension increase in 2024 may remain between 3.6% and 3.8% according to the adjustment trend over the years and the current economy, price and wage growth. At the same time, with the gradual advancement of the personal pension system, retirees will have more sources of pension in the future, further improving the level of security in retirement.
5. Suggestions and countermeasures
For retirees, it is important to understand the policies of pension adjustment and their own rights. Retirees are advised to:
1. Pay close attention: the pension adjustment notice issued by the Ministry of Human Resources and Social Security and the Ministry of Finance to understand the specific adjustment plan.
2. Active communication: Maintain communication with social security institutions to ensure the accuracy of personal information and ensure that pensions are paid on time and in full.
3. Reasonable planning: According to the pension adjustment, reasonable planning of retirement life to ensure the rational use of funds.
4. Pay attention to health: Maintain good lifestyle habits and pay attention to health to reduce medical expenses and improve the quality of life.
Finally, the adjustment of pensions is the state's care for the elderly, and it is also an important embodiment of the improvement of the social security system. Although retirees of different ages will have differences in pension adjustments, on the whole, the continuous increase in pensions provides better security for retirees' lives. It is hoped that every retiree can enjoy the benefits they deserve and live a happy and healthy life in their old age.