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The basic old-age insurance benefits for urban and rural residents are composed of basic pensions and personal account pensions. The basic pension shall be determined by ** and the local government and paid in full to the insured who meets the conditions; The pension in the personal account is determined by dividing the total amount of savings in the personal account by the calculation and issuance coefficient.
The Guiding Opinions on the Establishment of a Mechanism for the Determination of Basic Pension Insurance Benefits and the Normal Adjustment of Basic Pensions for Urban and Rural Residents clearly state that the minimum standard of national basic pension shall be reasonably determined according to factors such as the per capita disposable income and financial resources of urban and rural residents across the country. Localities shall, in accordance with local conditions, raise the basic pension standard, and give appropriate preference to urban and rural elderly residents aged 65 and above.
In addition, guide and encourage eligible urban and rural residents to participate in insurance early, pay more, increase the accumulation of funds in personal accounts, optimize the structure of pension insurance benefits, and improve the level of benefits. For long-term contributions and exceeding the minimum payment period, the basic pension should be appropriately increased. The funds required to raise the basic pension and the basic pension standard for the additional years of payment shall be borne by the local government.
The amount of personal account storage is composed of individual contributions, collective subsidies, subsidies and investment income, etc., the more contributions, subsidies, subsidies and investment income, the higher the level of pension in the personal account, and the stronger the ability to pay in the personal account. The relevant person in charge of the Ministry of Human Resources and Social Security said.
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The first category, the elderly, the older they are, the more they rise. The second category is demobilized military cadres assigned to various enterprises. The third category is workers who work in remote areas and retire. The fourth category is retirees with a high payment base and a long payment time.
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The pension adjustment is divided into three parts.
1. Unified quota, which means that everyone has risen by a fixed number, which is about 50 yuan this year.
2. Linked adjustment, here the hook is the payment period, the old rules, and the more you pay, the more you get. Those who have paid for a longer period of time will increase a little more.
3. The policy is tilted, such as the elderly retirees, the older they are, the more they rise. Retirees from enterprises in hardship and remote areas will also be taken care of.
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Legal Analysis: Different provinces are different. The balance of income and expenditure of pension insurance, that is to say, income can be greater than expenditure, so it has prompted the normal growth of our pension every year, even if there are individual provinces in the state of pension insurance income and expenditure, but in 2016 the implementation of the social security ** unified adjustment system, then make up for the problem of pension expenditure in these provinces that do not offset the expenditure, and at the same time basically transfer the operating profits of state-owned enterprises every year, then it will greatly enrich our social security**, Therefore, it has laid a very solid foundation for the growth of pensions.
Legal basis: "Social Insurance Law of the People's Republic of China".
Article 11 The basic endowment insurance shall be combined with social pooling and personal accounts. The basic endowment insurance is composed of employer and individual contributions, as well as subsidies.
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 do not participate in the basic pension insurance coverage 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 13 Before the employees of state-owned enterprises and public institutions participate in the basic endowment insurance, the basic endowment insurance premiums that should be paid during the period of inspection shall be borne by the first. When the basic endowment insurance is insufficient, it will be subsidized.
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The issue of old-age care has always been the top priority of the country, and the problem of population aging also plagues our country. The state's pension policy has also been continuously adjusted with the increase in prices and living standards, hoping that people who have worked hard all their lives can live a secure life when they retire.
After the pension adjustment plan issued in 2022, the matter of raising troubles to make the old gold hungry has also been revealed. As for how to **, specific policies are still needed. However, it has been determined that there are four categories of people who can receive pensions, and three types of people who will not receive them.
People with long working experience:
As the saying goes, the longer the length of service, the more you will receive, because the longer the length of service, the longer the pension insurance will be paid, and the rotten will naturally receive the more pension in the end. It is also an appreciation for those who are in high working age. In the mechanism of good air sensitive nutrient funding, length of service is a very important criterion.
If the length of service is too short, the monthly pension amount will be too low to cover expenses.
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The pension** is calculated as a fixed adjustment. $70 per person per month; Peg adjustments. Enterprise retirees are based on their own pension, **3% per month.
The average pension of retirees with the same position and rank corresponding to their retirement position and rank will increase by 3% per month; At the end of the previous year, women over 60 years old and men over 65 years old will be given an additional 20 yuan per person per month.
Article 10 of the Social Insurance Law.
Employees shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums.
Individuals who do not have employees, part-time employees who do not participate in the basic pension insurance in Xiangliang, and other flexibly employed persons can participate in the basic pension insurance, and the basic pension insurance premiums shall be paid by the individual.
The method of pension insurance for civil servants and staff managed with reference to the Civil Servants Law shall be prescribed by ***.
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The Ministry of Human Resources and Social Security and the Ministry of Finance issued the Notice on Adjusting the Basic Pension of Retirees in 2022, clearly proposing that from January 1, 2022, the basic pension level of retirees from enterprises, government agencies and institutions who have gone through the retirement procedures in accordance with the regulations and receive the basic pension on a monthly basis before the end of 2021 will be increased. The overall adjustment level is 4% of the monthly per capita basic pension of retirees in 2021, achieving a record of 18 consecutive years of pension increases. Industry experts pointed out that the adjustment of pensions is equivalent to the price of goods.
In addition, the continuous increase in pensions is conducive to narrowing the income gap of retirees, which is higher than the increase in prices, and can also increase the real purchasing power of retirement income. The Vice Minister of the Ministry of Human Resources and Social Security pointed out not long ago that the operation of pension insurance is generally stable, which can ensure that the basic pension is paid on time and in full. This time, we will continue to adopt the adjustment methods of quota adjustment, linkage adjustment, and appropriate tilt.
The adjustment of the quota reflects social fairness, and the adjustment standards for all types of retirees in the same area are the same. Adjust the incentive mechanism that embodies "more work and more scum" and "work more for a long time", so that people who work more and work more for a long time in their posts can get more pensions;
Appropriate attention should be given to key care, mainly for groups such as elderly retirees and retirees in hardship and remote areas. Recently, the Ministry of Human Resources and Social Security and the Ministry of Finance issued the "Notice on Adjusting the Basic Pension of Retirees in 2022", which clearly proposes that from January 1, 2022, the basic pension level will be increased for retirees from enterprises, government agencies and institutions who have gone through retirement procedures in accordance with the regulations and receive basic pensions on a monthly basis before the end of 2021. The overall adjustment level is 4% of the monthly per capita basic pension of retirees in 2021, achieving a record of 18 consecutive years of pension adjustment.
It is important to note that although a 4% increase is set, not everyone will pay according to the 4% increase. It may be different for each province, autonomous region, or municipality directly under the central government. All localities can formulate specific implementation plans in light of local conditions, pay close attention to organizing and implementing them, and distribute the adjusted and increased basic pensions to retirees as soon as possible.
The elderly who will retire in 2022, because of the pension adjustment, Liang Chuncheng is a retiree from enterprises and institutions who have retired in the previous year and receive a monthly pension. In other words, if you want to retire before December 31, 2021, you can enjoy the adjustment of the pension, but the pension is calculated according to the average social wage of the previous year, so those who retire after 2022 cannot enjoy this adjustment.
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The pension of five categories of people will **. The first category is the elderly retirees; the second category is the model retired elderly in remote and difficult areas; The third category is those who have paid for a long time; The fourth category is people with high pension levels; The fifth category is the military transfer and rough department of the enterprise.
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Elderly retirees, retirees in remote and difficult areas, and groups whose pensions are lower than the average pensions of retirees in enterprises with shortages can be given more.
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** of staff, staff of the institution, people who have retired, people who have enjoyed pensions, people who are about to retire.
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Summary. There are mainly these four types of retired seniors: first, retirees with long payment periods. Second, people with a high basic pension. Third, the elderly retirees. Fourth, retirees in hardship and remote areas.
Increase the specific policy of pensions.
According to the latest news on May 26, 2022, this year's retiree pension is also continuous, Hongyou but ** range and last year is not the same as last year, 2021 retiree pension **, and this year's ** range is 4%. In other words, if your monthly retirement salary in 2021 is 3,000 yuan, you can receive 3,120 yuan a month this year, which is 120 yuan more than the previous year.
According to the news of pension adjustment, our adjustment methods are mainly fixed adjustment, linked adjustment, and appropriate tilt.
The main ones are these four types of retired seniors: first, retirees who have paid for a long time. Second, people with a high basic pension. Third, the elderly retirees. Fourth, those who have retired from work and taken early leave in difficult and remote areas.
The quota adjustment is that everyone increases the same pension for the same tree, which is impartial. However, the hook is clever and the widening and tilting adjustment is to have extra care for the four types of retired elderly. Mainly these four categories of retirees:
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This year's work report proposes to increase the basic pension of retirees, promote the national overall planning of pension insurance, and standardize the development of the third pillar of pension insurance.
According to 2021, more than 10 places in China have raised the basic pension and pension of retirees.
So this year, more than 10 pensions have been raised, which people have the greatest impact? This year's work report proposes to increase the basic pension of retirees, promote the national overall planning of pension insurance, and standardize the development of the third pillar of pension insurance.
According to 2021, more than 10 places in China have raised the basic pension and pension of retirees.
So this year, more than 10 pensions have been raised, which people have the greatest impact?
1. More than 10 pensions have been raised this year.
According to 2021, more than 10 places in China have raised the basic pension and pension of retired people, including Gansu, Shandong, Jiangsu, Changsha, Xiamen, Yixing, Fuzhou, Tai'an, Lianyungang, Chun'an and other more than 10 places have raised the pension of urban and rural residents.
Gansu's basic pension is increased by 5 yuan on the basis of the original 15 yuan per person per month, and the minimum standard of basic pension reaches 113 yuan.
The average level of basic old-age insurance for residents in Shandong Province increased by another 5%, from 180 yuan per person per month to 190 yuan.
The minimum standard of basic pension in Jiangsu has been raised from 160 yuan to 173 yuan per person per month, and other places have also made adjustments.
2. Who has the greatest impact?
1. People who have paid social security for a long time and have a relatively high base.
China's pension policy has always followed the principle of "pay more, pay more, pay more".
To put it simply, the higher the amount of pension paid by each person, the longer the period of time, and the more pension they can receive when they are old.
This time it is the seventeenth time in a row, and the monthly pension received by retirees is also continuous.
2. Older retirees and retirees in remote and poor areas.
For older people, the older they are, the worse their physical fitness, in order to ensure their quality of life in old age, the state will also be appropriately inclined when formulating pension adjustment policies.
For retirees in poor areas, as well as some remote areas with relatively backward economic development, in order to attract the influx of talents, a certain amount of subsidies will be given, and when they retire, they will also be properly "taken care of" in the pension policy, so that they can receive a more Qingbi Duo pension.
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