At the beginning of the article, let's first understand the current number of pensioners in the country, as well as their basic pension amounts.
According to data released by the National Bureau of Statistics, by the end of 2022, there were about 136 million retirees from the basic pension insurance for urban workers in mainland China, including about 115 million retired employees from enterprises and more than 21 million retirees from government agencies and institutions.
Moreover, it can be seen from the data released in the past that in 2022, the monthly per capita basic pension level of enterprise retirees will be 2,994.6 yuan, which is less than 3,000 yuan, and the monthly per capita basic pension level of retirees in government institutions will reach 5,926.4 yuan.
According to the latest news, the basic pension will be increased again in 2024, so in such a context, for our corporate retirees, if the monthly pension level reaches 3,000 yuan, how much can this adjustment rise?
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The central government has set the tone: the basic pension will be increased again in 2024
Last year, the basic pension of retirees of mainland enterprises and institutions has achieved "19 consecutive increases", and the increase rate has reached 3.8 percent.
During the two sessions this year, the state clearly mentioned in the government work report that the basic pension level of retirees will continue to be increased in 2024.
This also means that 2024 will usher in the "20th consecutive increase" of the basic pension.
And as we all know, since 2005 the establishment of the normal adjustment mechanism of the basic pension of enterprise retirees, the basic pension level has maintained an upward trend in the past 20 years, and the reason why this treatment will be appropriately adjusted every year is mainly based on the following reasons:
(1) Statutory factors. In 2023, the wage level and price level in the mainland will still show a positive growth trend, so this year can continue to start pension adjustment and increase.
(2) The cumulative balance of the social security fund, including the pension insurance fund, continues to increase. Our pension expenditure, mainly through the pension insurance fund to spend, although individual provinces may not be able to offset the situation, but the realization of the national pension insurance since the overall planning, can do the overall income greater than the expenditure, and the cumulative balance is increased. In this way, it can fully explain that there are certain prerequisites for continuing to grow pensions, because the social security fund is able to withstand the increase in pensions.
Therefore, in order to adapt to the development of the times and further meet the basic pension needs of retirees, the state has established a normal adjustment mechanism for retirees' pension insurance benefits, which can not only effectively improve the quality of life of retirees in their later years, but also reflect the progress of society and the state's care and support for the elderly.
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How will it be adjusted?
According to the practice of previous years, the overall adjustment level, adjustment scope and adjustment method of the basic pension of retirees, the Ministry of Human Resources and Social Security will issue a notice around 4-5 months, and then each province and city will formulate and introduce a detailed adjustment implementation plan in accordance with the overall requirements of the country.
(1) Adjustment method prediction
Referring to the practice of previous years, if nothing else, this year's adjustment of the basic pension of retirees will continue to adopt the method of combining the adjustment of fixed amounts, the adjustment of the linkage, and the appropriate tilt, and will continue to maintain the unity of the adjustment methods for retirees of enterprises, government agencies, and institutions.
A: Quota adjustment: It refers to the same amount of increase for retirees in the same province without discrimination, which is a step to reflect fairness. However, the amount of quota adjustment in each province is not the same, some are high and some are low.
For example, in 2023, the pension quota in Tibet will be adjusted to 70 yuan, 61 yuan in Shanghai, 36 yuan in Beijing, 22 yuan in Guangdong, and 15 yuan in Yunnan.
B: Linked adjustment: It is mainly linked to the retiree's personal insurance payment period and the pension level before the adjustment, which mainly reflects the incentive mechanism of overpayment and long-term payment; Moreover, the linkage adjustment is also an adjustment that the elderly group is more concerned about, after all, the linkage adjustment can open the pension gap.
C: Tilt adjustment: There are two main types of people who can appropriately increase their pensions, the first is the elderly retirees, and the second is the retirees in difficult and remote areas. In other words, the special care of the state for these two groups of people is reflected through appropriate tilting.
(2) Forecast of adjustment range
In the past five years, the basic pension adjustment ratio has been 5%, 5%, 4.5%, 4%, and 3.8% respectively, and relevant data show that the mainland's GDP will grow by 5.2% in 2023, the monthly per capita wage income of residents in the country will increase by 7.1% in 2023, and the price increase will be 0.2% in 2023.
Based on the above factors, industry insiders predict that the basic pension adjustment level in 2024 may remain between 4~5%.
If this is taken as the standard for rising, the basic pension will be 3,000 yuan/month in 2023, and after the adjustment in 2024, how much can retirees be issued every month?
Taking Henan as an example, assuming that the retired elderly are 65 years old and have accumulated insurance for 15 years before retirement, then the quota adjustment will be increased to 35 yuan per person per month in 2024; The additional issuance amount of the linked adjustment is 33 yuan; In addition, because the 65-year-old in Henan cannot enjoy the tilt adjustment, the pension of the old man is 86 yuan per month.
However, it is worth noting that in 2024, the detailed adjustment plans announced by various provinces and cities may be different from those in 2023, so the actual amount of additional pensions will be subject to the official final announcement.
epilogue
In general, for the retired elderly, the increase in pension means that the monthly pension income will be higher for them.
Especially for those who already have higher pension benefits, the adjustment of pensions also means that the adjustment of the basic pension will often be higher. If the adjustment ratio is 4%, the pension of 5,000 yuan can be increased by 200 yuan per month.
Therefore, from this point of view, the pension benefits and security of retirees will become better and better with the development of the economy, and we, like nearly 150 million retirees, are also looking forward to this day!