How much will the pension rise this year, and how much will the pension rise this year

The minimum standard of basic pension insurance for urban and rural residents has been raised to 70 yuan per person per month, an increase of 15 yuan on the original basis; The basic pension of enterprise retirees will be increased by another 10%.

Pension calculation method According to the latest pension calculation method, the pension of employees when they retire is composed of two parts: pension = basic pension + personal account pension Personal account pension = personal account savings The number of months (50 years old is 139, and it is no longer 120) Basic pension = (the average monthly salary of on-the-job employees in the province in the previous year + the average monthly salary of my indexed monthly contributions) 2 Payment period 1% = the average monthly salary of on-the-job employees in the province in the previous year (1+My average contribution index) 2 Payment period 1% Note: My indexed average monthly contribution wage = the average monthly wage of the province's on-the-job workers in the previous year My average contribution index In the above formula, it can be seen that in the case of the same payment period, the level of the basic pension depends on the average contribution index of the individual, and the average contribution index of the individual is the average of the ratio of the actual payment base to the average social wage.

The lower limit is 3 and the upper limit is 3. Therefore, in the calculation of pensions, in either case, the higher the contribution base and the longer the number of years of contributions, the higher the pension will be. Example:

When male workers retire at the age of 60, the average monthly salary of on-the-job workers in the province in the previous year is 4,500 yuan. The cumulative payment period is 15 years. When the average individual payment base is, the basic pension = (4500 yuan + 4500 yuan The average individual payment base is 40 yuan, the basic pension = (4500 yuan + 4500 yuan The average individual payment base is 40 years.

When the average individual payment base is, the basic pension = (4500 yuan + 4500 yuan The average individual payment base is when the basic pension = (4500 yuan + 4500 yuan The average personal payment base is when the basic pension = (4500 yuan + 4500 yuan Basic pension + personal account storage amount 139 months = monthly pension.

Retirees will continue to be the first pension in 2018 this year, but due to factors such as slowing economic growth and accelerating aging, the increase may be slightly lower than in 2017, about 5%, and the specific rules are expected to be introduced after the National People's Congress.

Legal analysis: At the beginning of each year, the Ministry of Human Resources and Social Security will formulate this year's pension ** range according to the situation, but this is only a broad average ratio, such as this year's increase is. The specific implementation should be formulated by the local government, and it will be released around August each year.

Specifically, it is divided into three parts. In the first part, each person will have a fixed amount of guaranteed money. The second part will increase according to the payment period, and the longer the payment period, the more it will rise.

The second part, according to special circumstances**, such as the elderly, hardship and remote areas, pre-founding work and other policy care people. One thing to look at when receiving a pension is that the longer you have paid for pension insurance, the higher the pension. Under normal circumstances, the state will regularly raise the basic pension according to the level of economic development and the current price level to meet the needs of social development.

It should be noted that pension insurance must be paid for 15 years before you can receive a pension, and if you have not paid for 15 years, you need to continue to pay pension insurance.

Legal basis: Social Insurance Law of the People's Republic of China

Article 12 The employer shall pay the basic endowment insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be credited to the basic endowment insurance pool.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively.

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Article 35 An employer shall pay work-related injury insurance premiums at the rate determined by the social insurance agency in accordance with the total wages of its employees.

Article 44 Employees shall participate in unemployment insurance, and the employer and the employee shall jointly pay unemployment insurance premiums in accordance with the provisions of the State.

Article 53 Employees shall participate in maternity insurance, and the employer shall pay the maternity insurance premiums in accordance with the provisions of the State, and the employees shall not pay the maternity insurance premiums.

The pension is divided into three levels, the first level is 5,270 yuan and above, with an increase of 40 yuan per person per month, and if it is less than 5,320 yuan after the adjustment of the pension level, it will be made up to 5,320 yuan; The second tranche is between 3,770 yuan and 5,270 yuan, with an increase of 50 yuan per person per month, and if it is less than 3,830 yuan after the adjustment of the pension level, it will be made up to 3,830 yuan; The third tranche is below 3,770 yuan, with an increase of 60 yuan per person per month.

[Legal basis: Liang Ling].

The Opinions of the State Council on the Establishment of a Unified Basic Pension Insurance System for Urban and Rural Residents (Guo Fa 2014 No. 8) stipulates that the elderly over 60 years old should not be simply bored and then apply for social pension insurance. After retiring at the age of 60, you will enjoy the pension insurance benefits, and if you have not participated in the insurance before, you cannot apply for it. If you have not paid the full number of years before, you can continue to pay until 15 years in retirement.

Summary. Hello dear. This year, pensions have risen.

It is clarified that from January 1, 2023, the basic pension level will be increased for retirees of enterprises, government agencies and institutions who have gone through the retirement procedures in accordance with the regulations before the end of 2022 and receive the basic pension on a monthly basis, and the overall adjustment level will be the monthly per capita basic pension of retirees in 2022. According to the relevant person in charge of the Ministry of Human Resources and Social Security, this adjustment will continue to adopt the adjustment method of combining quota adjustment, linked adjustment and appropriate inclination, and the quota adjustment reflects social fairness, and the adjustment standards for all types of retirees in the same area are the same. The linkage adjustment reflects the "overpayment and overpayment" and "long-term payment", and the personnel who pay more and pay for a long time will receive more pensions, and the appropriate tilt reflects the key care, and the elderly retirees and retirees in difficult and remote areas will be taken care of.

Hello dear. This year, pensions have risen. It is clarified that from January 1, 2023, the basic pension level will be increased for retirees of enterprises, government agencies and institutions who have gone through the retirement procedures in accordance with the regulations before the end of 2022 and receive the basic pension on a monthly basis, and the overall adjustment level will be the monthly per capita basic pension of retirees in 2022.

According to the relevant person in charge of the Ministry of Human Resources and Social Security, the adjustment will continue to adopt the adjustment method of combining quota adjustment, linked adjustment and appropriate inclination, and the quota adjustment reflects social fairness and is consistent with the adjustment standards for all kinds of retirees in the one-click Qi rolling area. The linkage adjustment reflects the "overpayment and overpayment" and "long-term payment", and the surplus members who pay more and pay more for a long time when they are in service will receive more pensions, and the appropriate tilt reflects the key care, and the elderly retirees and retirees in difficult and remote areas will be taken care of.

Legal basis: "2020 Pension Adjustment Plan for Retirees" 1Adjustment Principles:

The basic old-age insurance benefits are based on the time of citizens' participation in social labor as the basis for calculating and adjusting the basic old-age insurance benefits, and are equally distributed according to the unit time of participating in social labor. 2.Adjustment Range:

Since the founding of the People's Republic of China, all retirees from enterprises, institutions, organs, troops, colleges and universities and other units to all retirees in society who enjoy basic pension insurance benefits. 3.Purpose of adjustment:

Instead of aiming at improving the level of benefits and increasing the pension level of retirees on average, with fairness and reasonableness as the element, the basic pension insurance treatment is "aimed at enhancing fairness, adapting to mobility, and ensuring sustainability". 4.Adjust the pension calculation formula:

The amount of personal pension = old-age pension + labor pension + monthly old-age pension of personal pension = the average monthly salary of local on-the-job employees in the previous year [age loss subsidy rate (personal age -65) + labor subsidy rate and individual cumulative payment years] monthly labor pension = the average monthly salary of local on-the-job employees in the previous year Labor pension percentage Individual cumulative payment period monthly personal pension = 110% of the personal account savings at the time of retirement (76 - personal actual retirement age) 12

Kiss. Are you a retiree on your side?

This year's pension method: the pension is divided into three levels, the first level is 5270 yuan and above, an increase of 40 yuan per person per month, and if it is less than 5320 yuan after adjustment, it will be made up to 5320 yuan; The second tranche is between 3,770 yuan and 5,270 yuan, with an increase of 50 yuan per person per month, and if it is less than 3,830 yuan after the adjustment of the pension level, it will be made up to 3,830 yuan; The third tranche is below 3,770 yuan, and each person will increase by 60 yuan per month.

Opinions on the Establishment of a Unified Basic Old-age Insurance System for Urban and Rural Residents

6. Pension insurance benefits and adjustments.

The pension insurance benefits for urban and rural residents are composed of basic pensions and personal account pensions, which are paid for life.

1) Basic pension uproar fund. **Determine the minimum standard of basic pension, establish a normal adjustment mechanism for the minimum standard of basic pension, and adjust the minimum standard of basic pension in a timely manner according to economic development and price changes. Local people** can appropriately increase the basic pension standard according to the actual situation; For long-term contributions, the basic pension can be appropriately added, and the funds raised and increased by the local people's ** expenditure, the specific measures by the provincial (autonomous region, municipal) people's **, and reported to the Ministry of Human Resources and Social Security for the record.

Since 2005, China's employee pension has been 18 consecutive years, and the pension of many retirees has reached a considerable level. However, looking back on the increase in the past 18 years, it has shown a downward trend year by year, at the beginning of the pension **, the increase was as high as 10%, and in recent years, the increase has been reduced year by year, from 5% in 2018-2020, down to 2021, and again to 4% this year. Is it true that if the increase is raised, retirees with high pensions will increase their money?

Let's take a look at each of them.

First of all, I would like to reassure you that there is a high probability that the employee pension will continue to rise for 19 consecutive years in 2023. There are three main signals that have been released.

One isChina's "Social Insurance Law" clearly stipulates that according to the increase in the average wage of employees and the situation of prices, the level of basic pension insurance benefits will be increased in a timely manner.

The second isPension ** income and expenditure are guaranteed. Recently, the Ministry of Human Resources and Social Security responded to the most concerned pension income and expenditure issues, saying that the pension is issued on time and in full with a solid material foundation, and in 2021, the basic pension income of enterprise employees is trillion-yuan, and the expenditure is trillion-yuan, and the current income and expenditure are generally balanced, with a slight balance, and since the beginning of this year, the first has maintained a stable operation trend. At the same time, the current basic pension insurance for enterprise employees has a cumulative balance of one trillion yuan, which has a strong guarantee capacity.

In accordance with the principle of doing our best to live within our means of pension adjustment, the pension will most likely continue.

The third isEconomic development, the growth of average wages of workers and prices, etc., are relatively optimistic, and they are all in a state of growth. Therefore, there are various indications that the pension of retirees will most likely continue to be adjusted in 2023.

In 2023, the pension adjustment, 3,000 yuan rose by 7%, 4,000 yuan rose by 5%, and 5,000 yuan rose by 3%, the benefits of this adjustment are self-evident, and it can effectively narrow the pension income gap. But then again, there are still certain drawbacks, which generally do more harm than good.

1) Violating the incentive role of pension insurance. The purpose of endowment insurance is to pay more for a long time, pay more to get more, in the pension accounting, reflected in the basic pension, transitional pension, and the pension with a personal account pension, in the pension adjustment, reflected in the pension level linked, the length of service linked to the socks on the whole pension Dan is cautious. If the pension "lower limit and higher limit" comes true, no one wants to overpay and pay long-term pension insurance, resulting in social security ** income can not offset expenditure.

2) Violating the adjustment requirements of the Ministry of Human Resources and Social Security. In the 2022 pension adjustment notice of the Ministry of Human Resources and Social Security, it is clearly mentioned that the linked adjustment should reflect the incentive mechanism of overpayment and long-term payment, and should be linked to the retiree's own payment period and basic pension level. Therefore, the adjustment of the pension block to "raise the lower limit and the higher limit" violates the adjustment requirements of the Ministry of Human Resources and Social Security, and the possibility of dispersion is slim.

(3) Increase the risk of pension payment. Pension 3,000 yuan, 4,000 yuan, 5,000 yuan and interval into a pyramid distribution, of which the pension of 3,000 yuan and below the number of retirees accounted for the majority, the higher the pension balance liquid the smaller the proportion. If bending.

Pension. The lower the model base, the higher the adjustment range, the higher the total amount of pensions, and the explosive increase in retirees born in 1962 and later, increasing the burden of social security payments, and quickly exhausting the balance, which is not conducive to the sustainable development of the pension insurance system.

The above is the pension adjustment in 2023, 3,000 yuan will rise by 7%, 4,000 yuan will rise by 5%, and 5,000 yuan will rise by 3%, feasibility analysis.