#精品长文创作季#
China's retirement policy is always being adjusted, and retirees naturally want their pensions to be more and more and have enough money for them to retire.
However, China's population base is large, and it is not easy to formulate a retirement policy that meets everyone's wishes.
It is reported that from May this year, the adjustment and reissuance of pensions is about to begin, and the amount is not small, what is going on?
The news made many people sit still, especially those who have retired, and they want to know if they belong to one of them.
1. Pension adjustment
China is a country where the people are the masters of the country, and the interests of the people are the top priority in everything, and there are many welfare policies of various kinds.
In order to ensure people's living standards, and as part of social welfare, the pension policy has been adjusted.
Not only pension policies, most policies cannot remain unchanged all the time, and timely adjustments can be made at different stages to reduce social contradictions.
Pension policy involves the interests of the people, as we all know, pensions are not available to everyone, only some specific groups of people can receive pensions.
First of all, if you want to receive a pension, you must be an elderly person who has retired, and young people have the ability to earn money to support themselves, and the state will not give pensions to young people.
Secondly, there are some specific criteria, the first point is that the age of the individual must reach the statutory retirement age.
The retirement age in China is generally 55 for female cadres, 50 for female workers, and 60 for men.
Not only that, but the retirement procedures of the elderly must also be completed, which is also a prerequisite for the payment of pensions.
The second point is the individual payment situation, our country's pension insurance system has a implementation principle, that is, "pay more, pay more, pay more", as the name implies.
The more you pay for pension insurance during your working life and the longer you pay, the easier it is to get a high pension after retirement.
This approach is also reasonable, just like investing, the more money you invest, the more you are likely to get back, and those who don't invest don't get any benefits at all.
This is the case with pensions, which means that if an individual does not pay pension insurance or does not participate in insurance at all during work, then he will not enjoy pension benefits.
It is worth noting that there are some special groups of people who can also get pensions.
There are many types of occupations in society, and some occupations are more special, and it will have its own unique pension policy.
It is also possible for some people who are disabled or incapacitated to work as a result of their work to receive a pension, but this is only a minority.
In my opinion, the reason for the total adjustment of the pension policy is inseparable from the aging problem in China in recent years, and the elderly population is increasing, which has brought a lot of pressure to the society.
In terms of pensions, there are more elderly people, more retired people, and more people who take pensions.
When adjusting the pension policy, the mainland will generally combine the three ways of linked adjustment, appropriate tilt and fixed adjustment, and analyze the specific situation on a case-by-case basis.
In general, these three methods are useful and need to be used in combination, which is also a manifestation of maintaining social fairness and justice, and strive to be biased when distributing money.
At the same time, the adjustment of pensions is also affected by many factors, and the country's financial affordability is one of them.
You must know that pensions are issued by the state, and it is impossible for the government to risk financial deficits to issue pensions to the people.
Therefore, before the pension is paid, the budget is generally calculated in advance, and the pension is paid within the range.
Then there are the factors of social and economic development, the economic level of the country cannot remain the same all the time, sometimes the economic development is rapid, and sometimes the development will come to a standstill.
The pension policy will also be adjusted according to the economic development of the society.
When the economy is growing slowly, the adjustment of pensions needs to be controlled, otherwise it will increase the financial pressure on the country.
In short, the adjustment of pensions is a very important topic, and if it is not handled properly, it will have an adverse impact on social development.
If handled properly, it will also maintain social fairness and stability, promote the development of the country, and make the people trust the government more.
The second and third types of personnel have reissuance
From January 2024, the state has already begun to carry out the retroactive payment of pensions.
There are three categories of retirees who may receive retroactive pensions, which is good news for them, are you among those three categories?
The first category of retirees is those who will retire before 2024, and the amount of pensions issued by the mainland will rise this year.
In March, the government report of China's two sessions said that we will usher in a pension of 20 taels, and the method of adjusting the policy is the same as before, which is a combination of linked adjustment, appropriate tilt and quota adjustment.
It is estimated that if it is handled according to the new policy, then those who go through the retirement procedures before 2023 will get about 600 yuan of retroactive pension.
Our country's pension adjustment this year is about 3.5% to 3.8%.
On the other hand, in the pension adjustment notice issued by the Ministry of Human Resources and Social Security, the adjustment level of the amount was determined according to 3.8% of the monthly per capita basic pension of retirees in 2022.
The adjustment method is also a combination of these three methods, and it is not very different from this year's adjustment method.
The second type of retirees are the "middle-aged people" who retire from government agencies and institutions, and many people may not have heard of the term "middle-aged people".
In fact, this term only appeared in 2021, in the reform of pension insurance in government institutions and institutions at that time, Zhongren represented the part of people who participated in the work before the reform and retired after the reform.
That is to say, the Chinese are between the reform and the reform, for this part of the people, their pension is difficult to implement.
Because they will be involved in two policies, and there is no specific standard for which policy to use.
In the end, the pension of the Chinese is still issued in accordance with the old policy, and some provinces in the mainland have now realized the pension of the retired Chinese "that is, the retirement is determined".
This means that retirees will be able to receive their pension at the real level in the second month, which is a happy event for them.
However, not all provinces have implemented this policy, and there are many retired "middle-aged people" who can only receive part of their pensions.
Only after the relevant departments have calculated the money can you receive the remaining unpaid pension, which will take some time.
The specific amount of reissuance is still relatively complicated, and this action has been going on for some time.
A Shandong netizen shared his experience, he is a Chinese who will retire in August 2023.
Since April, nearly 10,000 yuan of retroactive pension has been received, and the amount is still not small.
In addition, there may be differences in policies between different regions, and the reissued pension in Xichong County, Sichuan Province is for the "middle people" in 2023, and the prescribed reissue time is within one year.
In contrast, the policy in Siping County, Jilin Province, is different, and they target "middle people" in 2020 and 2021, and the prescribed reissuance time is 3 to 4 years.
The last group of people who can get retroactive payments are retirees between January 2024 and the time period between the local pension calculation base in 2024.
In this time frame, a part of the retirees will calculate the amount of income according to the pension policy in 2023, so they will lose money.
After all, if it is calculated according to the policy in 2024, there will be a lot of extra money.
In fact, the amount of retroactive pension is not small, especially for retirees who have paid pension insurance for a long time and have a high pension level.
The amount of their reissue will be higher than that of ordinary people, less than a few hundred yuan, and more than a few thousand yuan.
3. Relevant policies in some regions
Pension policies may vary from region to region, but Shanghai's regulations are that from May 2024, retirees who have reached the age of 70 will increase their monthly pension amount, and will receive an additional 10 yuan the following month.
Chongqing has similar regulations, for retirees who have reached the age of 70, 75, 80 and 85, they can add 50 yuan or 100 yuan to their pensions from the month they reach the age.
These reissue policies are really exciting, and I have to sigh that China's welfare benefits are really good.
In fact, there are many regions that have promulgated corresponding pension supplementary policies, which are the country's care for retirees, and want them to live a worry-free old age life after retirement.
The specific amount of reissuance cannot be arbitrarily stipulated, and will be determined according to the actual situation of retirees, local reissuance standards and other factors, and needs to be calculated, and the current reissue amount can exceed 6,000 yuan.
In short, the adjustment of the pension policy is good news for many people, and the state should maintain this practice.
This not only makes special groups feel the care of the state, but also allows some unpaid pensions to be repaid.
epilogue
China's pension adjustment method is a combination of linked adjustment, appropriate tilt and fixed amount adjustment, that is, "three steps".
This approach has been going on for many years, and it has proven that we are not using the wrong method, which is both convenient and fair.
In 2024, retirees who will retire before 2024, "middle-aged people" who retire from government agencies and institutions, and retirees between January 2024 and the period between the local pension calculation base announced in 2024.
These three types of people may have a retroactive pension, and you must pay attention to it, and those who meet the conditions should not miss it.
Resources:
Lingtai released 2024.04.24 "The pension rise in 2024 is about to begin, who can raise their pension by more than 190 yuan?"
Thunder and lightning 2024.04.22 "Starting in May, three types of retirees ushered in pension repayment, what's going on?
Social Security Master2024.04.15 "From April, three types of retirees will usher in pension repayment, and someone can increase it by more than 6,000 yuan"