In recent years, with the rapid aging of the population structure in mainland China, the issue of pension has attracted much attention from all walks of life. Among the many old-age security measures, the basic old-age insurance system, as the most basic and wide-ranging pension system, has always played a vital role. In the basic old-age insurance system, the basic old-age insurance system for urban workers is undoubtedly a part of the concern, and the adjustment plan of its pension is affecting the hearts of hundreds of millions of workers.
Recently, various localities have successively introduced the adjustment plan for the basic pension of retirees in 2024, including some "favorable policies", as well as some new adjustment priorities and highlights. I believe that for the employees who are about to retire, this is undoubtedly a "timely rain", and it also makes everyone have more expectations for their own pension security.
So, what are the differences in pension adjustment plans in various places? What are the factors that will affect the specific increase in pensions? And how should we look at the current pension security work? Let's take a closer look.
1. There are differences in pension adjustment plans in different provinces and cities
Recently, various localities have announced the adjustment plan for the basic pension of retirees in 2024, and among these specific plans, the adjustment differences between different provinces and cities have also become one of the hot topics. It is understood that this difference is mainly reflected in the fixed adjustment of pensions, the number of years of payment, and the level of local pensions.
1. Quota adjustment
The so-called fixed amount adjustment is actually a certain percentage increase in the pension by the state every year, and the adjustment range is determined by the unified notice issued by the state. In the specific implementation process, each locality can make appropriate adjustments according to its own actual conditions, but the adjustment range shall generally not be lower than the unified national standard.
2. Number of years of payment
In addition to the fixed adjustment, many places will also set some "plus points" in the pension adjustment, and the most common of them is the payment period. That is to say, only when the cumulative contribution period reaches a certain requirement, retirees can enjoy the corresponding pension adjustment treatment.
3. Pension level
Of course, the pension adjustment range is also closely related to the local pension level, generally speaking, where the pension level is lower, the adjustment range may be relatively high, so as to better protect the basic life of the majority of retirees.
Second, more attention should be paid to the protection of vulnerable groups
In this round of pension adjustment, a common adjustment principle has been put forward in various places, that is, more attention should be paid to the protection of vulnerable groups. That is to say, when determining the specific adjustment plan, all localities should give full consideration to those retirees with low pension benefits and relatively difficult life, and adopt some targeted policy measures to ensure their basic living standards.
1. Urban-rural disparities
In the current old-age security work, the pension difference between urban and rural areas has always been a sensitive topic. In this adjustment, many places have also begun to try to narrow the gap between urban and rural pensions, and gradually realize the equalization of urban and rural pensions, so as to better meet the needs of different groups of old-age security.
2. Special positions
In addition to the differences between urban and rural areas, there are also retirees in special positions who may be engaged in relatively difficult work or have special contributions to society. In this adjustment, many places will also give extra attention and inclination to this part of the population, and improve their pension benefits through some incentive policies.
Third, overpayment and long-term payment can improve pension benefits
For the majority of employees, how to get a relatively considerable pension in the future retirement life is undoubtedly a very realistic problem. In this regard, overpayment and long-term payment have become a "plus" that many people value.
1. Overpayment
The so-called overpayment is actually an additional pension payment on the basis of the normal payment of the individual. Through the way of overpayment, it can effectively increase the individual's payment period and payment base, so as to get more "bonus points" in the future pension calculation, and then improve the pension payment standard.
2. Long-term payment
The so-called long-term payment refers to the fact that in the actual process of the employee's work, the payment can be more stable and maintain a relatively long payment period. Generally speaking, the longer the payment period, the more the individual can get when enjoying the pension treatment, so the long-term stable payment is very conducive to improving the level of pension payment.
Fourth, the sustainability and fairness of the pension system
As we all know, with the increasing aging of the population in the mainland, the pension system is also facing unprecedented challenges, among which the sustainability and fairness issues are particularly prominent. In the current situation, how to better solve these problems has also become an important topic that needs to be studied and discussed urgently.
1. Sustainability
In order to effectively solve the sustainability problem of the pension system, it is necessary to start from the source and adopt a series of institutional reform measures. For example, we can appropriately extend the retirement age, encourage flexible employment, promote enterprises and institutions to gradually establish and improve the enterprise annuity system, and increase financial, tax, financial and other aspects of support to ensure the sustainable development of pension security.
2. Fairness
In terms of ensuring the fairness of the pension system, it is necessary to pay more attention to the balance between different groups and avoid the legitimate rights and interests of some special groups being damaged because of the blind pursuit of "one size fits all". In addition, we can also appropriately explore the differentiated pension adjustment plan, according to the different levels of economic development and population structure of the region, to carry out personalized adjustments, so as to better achieve the accurate guarantee of the pension system.
V. Conclusion
It is foreseeable that with the increasing trend of population aging, the problem of pension will still be a long-term and arduous project. In this process, the basic pension insurance system will undoubtedly continue to play a pivotal role, and will also usher in more reform and improvement measures.
Therefore, in the future work, we not only need to pay more attention to the institutional construction of old-age security, but also pay more attention to the participation and common responsibility of all sectors of society, and work together to contribute to the sustainable development of the old-age industry.