Guide
As the economic foundation for nearly 140 million retirees in enterprises and institutions across the country to enjoy a happy life in their old age, the level of pension treatment has always been a hot topic of discussion among the whole people. Generally speaking, the higher the pension level, the stronger the economic security ability of retirees; On the contrary, the lower the level of pension, the more the old have support, and the old have something to rely on.
Therefore, from this point of view, under the current social security system and the basic old-age insurance system for urban workers, if the insured personnel of enterprises and institutions want to improve the level of pension benefits after retirement, then the simplest and most effective way is to pay as much and long-term pension insurance as possible within the scope of economic conditions in accordance with the basic principle of "paying more and getting more, paying for a long time".
At the same time, with the increase of age and the decline of physical health, it is also crucial for retirees to enjoy lifelong medical protection while enjoying basic pension insurance benefits. Next, we will give a detailed introduction to the topics of pension and lifelong medical insurance benefits enjoyed by retirees, and hope that you can deepen your understanding.
How can insured employees enjoy pension and lifelong medical insurance benefits?
(1) Basic pension insurance benefits
The basic old-age insurance system for urban employees has clear provisions on the prerequisites for insured persons to receive pensions, which are mainly divided into two points: first, reaching the statutory retirement age; Second, the cumulative insurance payment has been completed for 15 years (including the deemed payment period).
To put it simply, retirees of enterprises and institutions participating in the basic old-age insurance system for urban employees can go through retirement procedures in accordance with laws and regulations and receive basic pensions on a monthly basis under the condition that they have accumulated insurance contributions for 15 years and meet the statutory retirement age at the same time.
Moreover, one point that needs to be emphasized here is that for retirees from enterprises and institutions who go through retirement procedures in accordance with regulations and receive basic pensions on a monthly basis, they can participate in the adjustment of the level of treatment on the basis of the policy that a normal adjustment mechanism has been established for basic pensions.
(2) Lifetime medical insurance benefits
The basic medical insurance for urban employees also has clear provisions on whether retirees can enjoy lifelong medical security treatment, specifically, in fact, it is mainly divided into two points: first, has been retired; Second, meet the minimum number of years of participation required by the local government.
Taking Tianjin as an example, the local policy stipulates that the number of years of payment for the medical insurance of employees in Tianjin should not be less than 25 years for men and 20 years for women, and the actual payment period in Tianjin should not be less than 5 yearsInsured personnel of enterprises and institutions who have reached the above-mentioned payment period do not need to stop paying employee medical insurance premiums after retirement, and can enjoy basic medical security treatment for life.
Similarly, regarding the lifelong medical security treatment, it is also necessary to emphasize one point here, that is, similar to the principle of "pay more and get more, pay more for a long time" followed by the basic pension, the basic principle of "pay more and get more, pay for a long time", that is, the longer the payment period of medical insurance and the higher the monthly payment base, the more the amount of personal account will be credited, and the better the medical insurance treatment after retirement.
Retirees with more than 30 years of employment can enjoy "3 preferential treatments" in 2024
(1) The basic pension is generally adjusted, and the increase is relatively higher
Referring to the "Notice on Adjusting the Basic Pension of Retirees in 2024" jointly issued by the Ministry of Human Resources and Social Security and the Ministry of Finance on June 17, it is not difficult to know that retirees from enterprises and institutions who have gone through retirement procedures in accordance with the regulations and receive basic pensions on a monthly basis before December 31, 2023 will usher in a new round of adjustment of the basic pension treatment level from January 1, 2024.
According to the requirements of the "Circular", the basic pension of retirees will continue to adopt the adjustment method of combining fixed adjustment, linked adjustment and appropriate inclination. Among them, the main value of the linkage adjustment is to link the retiree's cumulative insurance payment period (or working years) with his basic pension level, which mainly reflects the incentive mechanism of overpayment and long-term payment.
That is to say, in the same province, the longer the cumulative number of years of participation or working years of retirees within the adjustment range, and the higher the level of basic pension benefits, the higher the probability of the increase in the basic pension. Therefore, from this point of view, if retirees have accumulated insurance contributions for more than 30 years, they will have more advantages in the process of general adjustment of basic pension levels.
(2) The reimbursement ratio of outpatient medical treatment is "further increased"
For retirees who enjoy lifelong medical insurance treatment (it should be noted here that some regions require the minimum payment period of employee medical insurance to be at least 30 years for men and at least 25 years for women, so it will be distinguished by whether it exceeds 30 years), with the further improvement of the overall treatment and guarantee mechanism of employee medical insurance outpatient services in various provinces and cities, the reimbursement ratio and limit will also be adjusted from 2024.
For example, taking Baoding as an example, from January 1, 2024, within one year of medical insurance, the proportion of outpatient reimbursement ratio for retirees will be increased from 60% to 70%, and the maximum payment limit will be increased from 1,200 yuan to 3,000 yuan; Another example is Cangzhou, Hebei Province, from January 1, 2024, the reimbursement limit for retired employees who enjoy lifelong medical insurance treatment in ordinary outpatient clinics will be increased from 4,000 yuan to 5,000 yuan, and the payment ratio of the overall fund (the minimum payment standard is 100 yuan) will be increased to 70%.
(3) The calculation and payment standard of survivors' benefits is higher
According to the Interim Measures for the Treatment of Survivors of the Basic Pension Insurance for Employees of Enterprises, if the personnel (including in-service personnel and retirees) who participate in the basic pension insurance for employees of enterprises die due to illness or non-work-related reasons, the surviving family members can apply for funeral subsidies and pensions.
Among them, in addition to the level of the monthly per capita disposable income of urban residents in the province where the retiree is located, the calculation and payment standard of the pension is also directly linked to the length of the retiree's cumulative insurance payment period, that is, the number of months of payment is determined by the payment period.
For example, if the retiree has paid for 10 years but not more than 15 years (including 15 years), the number of months of payment is 9 months; If the payment period is more than 30 years, it will be calculated according to 30 years, and the maximum number of months of payment will be 24 months. Therefore, from this point of view, retirees who have accumulated insurance contributions for more than 30 years will have a relatively higher standard of payment for survivors after their death.
epilogue
Combined with the above introduction in this article, it is not difficult for us to come to the conclusion that the personnel of enterprises and institutions participating in the basic pension insurance and basic medical insurance for urban employees can only enjoy the basic pension and lifelong medical security treatment after retirement under the premise of meeting the policy requirements (retirement age and insurance payment period).
According to the basic principles of overpayment and long-term payment, and overpayment and long-term enjoyment, the longer the cumulative insurance payment period of the insured person, the better the pension and medical security treatment that can be enjoyed after retirement. Therefore, from this point of view, we also call on and encourage the majority of insured employees to pay more and pay social insurance for a long time, so as to provide a more solid and stable social security for the retirement life. People say, isn't that the truth?
Source: Huinong Little Helper