Social security is related to thousands of households, related to the interests of all insured, every time the release of social security news, it will naturally attract the attention of many people, arouse everyone's attention.
In particular, April 23 is very important for more than 1 billion social security workers. On this day, the Ministry of Human Resources and Social Security held a press conference for the first quarter of 2024, through which we ushered in four good news about pensions, let us see what the specific content is.
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Pension ushered in 4 good news
1. The balance of the social security fund reached a new high
According to the public data of the press conference, by the end of the first quarter of 2024, the number of people insured by basic pension insurance will be 1.07 billion, an increase of 14.34 million year-on-year, the number of people insured by unemployment insurance will be 240 million, an increase of 4.49 million year-on-year, the number of people insured by work-related injury insurance will be 290 million, an increase of 5.58 million year-on-year, the income of the social security fund will be 2.2 trillion yuan, the expenditure will be 1.8 trillion yuan, and the cumulative activity balance will be 8.6 trillion yuan, an increase of nearly 400 billion yuan over 2023, setting a new high for the rolling balance of the fund.
And according to estimates, even if there is no social security fund income within 1 year, the balance can ensure the payment of social security benefits.
2. Improve the overall planning of national basic pension insurance.
The overall planning of pension insurance will help the timely and full payment of pensions, which is good news for both incumbents and retirees.
Moreover, the meeting also made it clear that the 2024 national overall adjustment fund payment plan has been formulated in conjunction with relevant departments, indicating that the national pension issue has been guaranteed to a greater extent.
3. The personal pension system has been steadily promoted
As the third pillar of the pension, the personal pension will bring an unprecedented opportunity to improve the pension treatment for the insured. After participating in the insurance, not only can the individual income tax be reduced, but also bring better pension security to the retired self in the future, so that the pension has no worries. This is enough to show that retirees have another opportunity to raise their pensions;
According to the current regulations, all non-retirees who participate in the basic pension insurance can purchase personal pensions. And
At present, the highest annual purchase standard is 12,000 yuan.
4. The investment scale of the basic pension insurance fund reached 1.9 trillion yuan
Fund investment can enrich the large pool of funds of pension funds. The high degree of surplus of the pension fund indicates that the pension payment and adjustment are more secure.
According to public data, by the end of 2022, the cumulative investment income of the fund reached 267.1 billion yuan, with an average annual investment income of 5.44%. If the income is evenly distributed to 1.4 billion people, it is equivalent to 2,055 yuan per person, which is still very good.
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The pension increase is a certainty
In the government work report released by the state on March 5, the state has made it clear that it will further increase the basic pension standard for retirees, although there is no specific notice, but the basic pension of retirees in 2024 will usher in "20 consecutive increases" is already a sure thing.
Moreover, industry insiders generally predict that if the adjustment is carried out according to the old method, there will be three types of people with the highest adjustment increase.
1. Retirees with a long number of years of contributions
According to the incentive mechanism of overpayment and long-term payment, the part that is linked to the payment period will be recognized as the monthly increase according to the length of the payment period.
For example, in Shandong, in 2023, the monthly increase will be determined in stages according to the number of years of payment. If the payment period of the elderly is 40 years, the total can be increased by 53.5 yuan.
2. Retirees with a high level of basic pension before the adjustment
The increase in the basic pension is also linked to the level of basic pension benefits for retirees before the adjustment. Also taking Shandong as an example, last year's adjustment plan was to increase 1.2% of my basic pension in December of the previous year, in other words, the higher the level of basic pension treatment of retirees before the adjustment, the more the monthly increase.
3. Retirees who enjoy tilt adjustments
Under the previous adjustment scheme, eligible retirees were also able to enjoy special care for the tilt adjustment. For example, in Shandong, last year's adjustment plan was to increase the basic pension of 15 yuan, 30 yuan and 60 yuan per month for retirees over the age of 70-75, 75-80 and 80 years old.
In addition, Shandong Province also has special age inclined care. For retirees who have reached the age of 70, 75 and 80, the basic pension of enterprise retirees will be increased by 290 yuan, 190 yuan and 360 yuan, and the basic pension of government institutions will be increased by 20 yuan, 80 yuan and 80 yuan.
This time, the Ministry of Human Resources and Social Security held a press conference to announce the good news, the balance of social security fund activities reached a new high, so that everyone's hanging heart is more steady. Moreover, this year will be the 20th increase in the pension of retired workers, preliminary estimates, per capita pension can rise by about 100 yuan per month, for the elderly to meet the old age, may increase the space will be greater.
As for the specific amount of pension increase this time, it was not clear at the press conference, but according to the past practice, this year's pension adjustment notice will most likely be released in May, let's wait patiently for good news!
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