The problem of pension, what is the problem of pension in China?

The base is different every year, and you can't be the base of 3000 every year. In addition, the number of years of payment is also different, some people may only pay for 15 years and then retire, but if you pay until the age of 60 before retirement, then your years are still longer, and the pension you enjoy will be relatively more.

China's pension insurance system is constantly improving and reforming, so far, what problems still exist in the pension insurance system? What is the reason why China's pension insurance coverage is not large enough? The law is the basis for ensuring the standardized operation of social pension, how to improve the legal system?

How can we establish a sound and perfect pension insurance system?

Problems in China's pension insurance system.

1.Insurance coverage needs to be expanded.

The reasons for the narrow coverage of pension insurance in China are as follows.

1) The awareness of personal insurance is not high enough.

2) Policy publicity and organization and implementation are not strong.

2.The level of protection is low.

1) The collective economy is weak and the growth of individual income is slow.

2) ** Low efficiency of value preservation and appreciation.

3.The management mechanism is not perfect.

1) **The function is not fully reflected.

2) The management system is not sound enough.

3) The reform measures are not coordinated, which restricts the development of the pension insurance system.

4.The legal system is imperfect, low-level, and lacks binding force.

The law is the basis for ensuring the standardized operation of social pension. Strengthening the building of the legal system is of great significance. First of all, according to the needs of social and economic development, in line with the principle of social equity, the old-age insurance system implemented for the elderly group is established as a means of regulating social distribution.

Secondly, speed up the pace of pension insurance legislation, so that all measures of social pension insurance have laws to follow, easy to operate and improve the stability of the system. Thirdly, establish and improve the supervision mechanism of the pension insurance law to ensure the standardization, payment and operation of social pension insurance, prevent the risk of social insurance, and make it continue to increase in value through reasonable operation, so as to better meet the needs of the construction of the social pension system.

To establish a sound and perfect pension insurance system in China, we need to adhere to the scientific concept of development according to China's national conditions, carefully analyze the problems existing in China's current pension insurance system with a scientific attitude and the spirit of seeking truth from facts, explore the pension insurance system suitable for China in an innovative and enterprising spirit, and contribute to the construction of a harmonious society.

There are cases where the wages of retirees are higher than those of young people, but this is not a common phenomenon and there is no comparison.

It is normal for young people to have low wages, young people who have just graduated have no experience, no qualifications, no resume, nothing will be, and they have to be bred, if there is no academic salary, most of them can only get about 2000-4000 yuan, if they are college students, even if they have no experience and no qualifications, they can get 4000-5000 yuan. It's good to be able to get so much money when you don't know anything, you must know that when I just graduated in 2005, I only came out with 600 yuan a month, and now these retirees have even lower wages when they were young, maybe only a few yuan. As your work experience becomes richer and your qualifications meet the company's requirements, then your salary will be higher and higher, except for a few people with a relationship background, the salary may be a little higher, otherwise few young people who have just come out of society can get a high salary.

In fact, the salary of most retired elderly people is not high, the average number of national retirement pensions in 2016 is 2362 yuan per month, and it is estimated that it can reach 2500 yuan now, and the pension of different types of elderly people in different regions is also relatively different, especially in rural areas, which may only be one or two hundred yuan a month. Judging from the national average and the wages of retirees in backward areas, most of them are lower than those of young people who have just left society.

Retirees with high salaries are either retirees in first-tier developed cities or some public institutions, and their pensions are likely to be higher than those of these young people. For example, the average salary of retirees in Shanghai enterprises can reach 3,500 yuan a month, which seems to be quite high, but if there is no house in Shanghai, the 3,500 yuan is really only enough to live on their own, and they will be very poor, and the pension of public institutions will be slightly higher to about 4,800 yuan a month, which is just about the same as the salary of college graduates now, even if it is not much, but in Shanghai, the quality of life will be slightly better. Only those retired civil servants will have a much higher salary than these young people who have just left society, and the salary of retired civil servants in Shanghai can reach about six or seven thousand.

Now young people who have just entered the society, especially college students, as long as their own ability is not too bad, there are many people with a monthly salary of more than 10,000 after four or five years, and it is very easy to break 100,000 yuan in an annual salary, but for these retired old people, it is impossible to get a pension of more than 10,000 yuan in a few years.

To sum up, young people should not always be compared with these retired old people, and don't always complain, people can get such a high pension is also the result of their efforts when they were young, we only have to honestly improve their own ability, and strive to get a higher salary, and your pension will not be too low when you retire in the future.

The best ways for the elderly to care for the elderly are:

1.If the elderly are in good health and have better economic conditions, they can take the way of home care without relying on their children. In the past, the three generations and the fourth generations lived in the same house, but in real life, it is very rare, and most of the children and daughters now live independently of the elderly.

2.If the health is not good, but the economy can afford it, the elderly can go to various nursing institutions for the elderly. Moreover, the elderly can live in various pension institutions suitable for themselves according to their own economic situation

Apartments for the elderly, nursing homes, nursing homes, etc., are also divided into many grades in the same nursing institution, for example, those with good economic conditions can choose a single room, and those with poor physical condition can request special care.

3.Children are filial, but the economic conditions are average, and they can choose to live and live with their children. It can also be divided into stoves, and the independent activity space of the elderly can be maintained.

You can also choose to eat together, but live separately. Whether such an old man can share the worries of his children and take care of his grandchildren depends on the health of the elderly, and he should not be exempt from difficulties.

4.In principle, the elderly who are lonely and widowed should go to a nursing home for their old age. However, there are exceptions, if you are in good health, have good economic conditions, and have the ability to live independently, you can consider home care.

However, it is necessary to pay attention to frequent physical examinations to prevent sudden illnesses or other accidents. This kind of pension method for the elderly has certain risks, and it is best to link it with the neighbors to change the connection to resolve this kind of risk to a certain extent.

5.If the children are not filial, no matter what the health status of the elderly is, and no matter what the economic conditions of the elderly are, such an elderly person should prepare for the elderly as soon as possible, so that they can advance and retreat.

1. About nursing home care.

For the elderly or the elderly in poor physical condition, because the demand for medical care is more frequent and the dependence on medical staff is stronger, it is no longer possible to meet the needs of both home and sojourn, and the most suitable is to live in a nursing home or nursing home that combines medical care and nursing. Realistically speaking, if it is not affected by traditional concepts, for the elderly with poor physical conditions, especially the disabled or semi-disabled elderly, it is a good thing for the elderly and children to live in professional nursing homes or nursing homes and enjoy professional medical and nursing services. Because at home, whether it is hardware equipment or professional nursing level, it is far from being comparable with professional elderly care institutions.

2. On community-based home care for the elderly.

This is the closest way to our traditional family pension. The elderly still live at home, and the community comprehensive elderly care service center provides first-aid, medical, housekeeping, living and other services for the elderly according to their needs, so as to help the elderly solve a package of problems encountered in life. If the health of the elderly is poor, the community integrated service center also provides beds and 24-hour nursing services for the elderly to live in for a long or short period of time, and provide intimate services for the elderly.

Hasn't the pension been rising for several years in a row? With the price of goods, the development and progress of society, pensions are also rising. As far as I know, the calculation of pensions is generally related to the following aspects:

1. Payment period; The longer the payment period, the better it will be for you.

2. Payment base; A high payment base in a certain year has a good impact on oneself. Social security has an average salary every year, divide your contribution base by this average salary to get 1 index, your contribution base is high, this indexed salary is also high.

3. The amount of personal account; There is also a relationship between the calculation of pensions and personal accounts. From January 1996 to December 2005, 11 per cent of the contribution base was credited to the personal account, and since 2006, 8 per cent of the contribution base has been credited to the personal account.

The amount of commercial insurance is unchanged according to the contract.

Social security will increase as wages rise, but it is estimated that there will be enough to eat by then.

There is no answer to this question, life is always like this.

It depends on whether you stay on the job, if you submit the file to the labor and social security center, you will pay a little less, if you leave your job without pay, then 80% of the share issued by the unit will not be paid, then you have to make up for it, about 500 a month.

Pension insurance is withheld by individuals at 8% and your personal withholding can be deduced from your base is.

If you calculate according to the lowest grade of 1787, the unit has to pay 20%, the individual has to pay 8%, and the unit has to pay all the individual contributions, you need to pay 1787 * 28% =

The Social Security Bureau is a combination of five insurances and cannot pay for the pension separately, the above is a separate pension, and the others are not calculated because they don't know which city you are in and don't know the minimum base.

Now you pay 8% for individuals and 20% for units.

If you don't do it, it's all paid by the individual for more than 500 per month.

The basic pension must meet three conditions:

1. Have reached the statutory retirement age and have gone through the retirement procedures;

2. The units and individuals to which they belong participate in the endowment insurance in accordance with the law and fulfill the obligation to pay the endowment insurance;

3. Individual contributions for at least 15 years.

The pension is calculated as follows:

1. Pension = basic pension + personal account pension.

2. Personal account pension = personal account savings The number of months (the number of months is determined according to the retirement age and the average life expectancy of the population at that time.) The number of months is slightly equal to (average life expectancy - retirement age) x 12. At present, 50 years old is 139 years old, and it is no longer unified to 120).

3. Basic pension = (the average monthly salary of the on-the-job employees in the province in the previous year + the average indexed monthly payment salary of the person) 2 The payment period is 1% = The average monthly salary of the on-the-job employees in the province in the previous year (1 + the average payment index of the person) 2 The payment period is 1%.

4. In the formula: my indexed average monthly payment salary = the average monthly salary of the province's on-the-job employees in the previous year and my average payment index.