Recently, the retirement has been delayed, and the pension has been reduced

The policy of revising the retirement age has not been made public by the Ministry of Human Resources and Social Security for several years, and it will be publicly solicited for comments in 2018 at the earliest (how to be revised by a referendum), revised and officially released in 2019, and will be implemented at least 5 years after the release (2024).

There are four steps to follow: soliciting comments, revising, promulgating, and starting implementation, and it will take at least six years to start implementation.

Oppose overly quick adjustments and surprise attacks.

Recommendation 1: From 2024, those who retire at the age of 50 will be raised by one year every four years, and those who retire at the age of 55 will be increased by one year every eight years.

In 2024, he was 50 years old and he was 55 years old.

2028 51 years old.

2032 52 years old 56 years old.

2036 53 years old.

2040 54 years old 57 years old.

2044 55 years old.

2048 56 years old 58 years old.

2052 57 years old.

2056 58 years old 59 years old.

2060 59 years old.

2064 60 years old 60 years old.

By 2064, the retirement age will be 60 years old, and then the retirement age will be adjusted according to the country's financial resources and social security accumulation.

Countermeasures for social security empty accounts in the short term: 2017-11-18*** The policy was introduced to transfer 10% of the equity of state-owned enterprises such as central enterprises to social security to enhance the strength of social security.

Reference: In 2016, the total profit of 102 central enterprises was one trillion yuan, and 10% was 120 billion yuan. ）

It is recommended to take more measures, such as reducing the number of civil servants and administrative expenditure by 2% every year, and increasing the amount of fiscal and tax allocated to social security by 2% every year, so as to further improve the strength of social security, rather than blindly raising the retirement age.

Civil servants who meet one of the following conditions may apply for early retirement:

1) 30 years or more of service; (2) Less than 5 years from the retirement age prescribed by the state, and the working experience has been 20 years or more.

It is recommended that all people be given a policy that allows for flexible retirement. Early retirement should be allowed for workers who have been laid off or lost their jobs due to the bankruptcy of enterprises.

Suggestion 3: Unify the various types of pension insurance (civil servants, public institutions, enterprise employees, urban and rural residents, military pension insurance, etc.) as "citizen pension insurance", all citizens, the treatment is calculated in the same way, and there is a minimum and cap, for example, the minimum treatment shall not be less than 60% of the local minimum wage (Fujian has this policy in 2010), and the maximum can not be higher than 5,000 yuan (**** retirement should not be higher than this ceiling).

There is nothing to do with delayed retirement and less pensions.

Delayed retirement is put on hold for the time being. Judging from the actual situation in our country, delayed retirement is bound to have an impact on the employment of young people, so delayed retirement has been shelved until now, and there is no specific implementation plan and standard for slippery state tours. At present, the legal retirement age in our country is 60 years old for men and 55 years old for women.

[Legal basis].

Article 1 of the Interim Measures for the Retirement and Retirement of Workers shall retire if they meet one of the following conditions: (1) Men who have reached the age of 60 and women who have worked continuously for 10 years or more. (2) Engaged in underground, high-altitude, high-temperature, particularly heavy physical labor, or other work harmful to physical health, where men are at least 55 years old, women are at least 45 years old, and have worked continuously for 10 years or more.

This provision also applies to grassroots cadres whose working conditions are the same as those of workers. (3) Men who have reached the age of 50 and women who have reached the age of 45, who have worked continuously for 10 years or more, and who have been certified by the hospital and confirmed by the labor appraisal committee that they are completely incapacitated to work. (4) Disabled due to work, certified by the hospital and determined by the Labor Appraisal Committee, completely incapacitated for work.

For many friends, what they are more concerned about is that after our country has implemented delayed retirement, we have worked longer, so will the corresponding pension and retirement salary after retirement also follow? Today, I will talk to you in detail about whether the wages and pensions of our workers after retirement will increase after the official implementation of the delayed retirement policy. <>

We must know that after the retirement period is extended, the pension insurance we pay will increase every year, and the total amount will also increase according to the year of delayed retirement. Although our future pension may be adjusted, the more funds we accumulate in our pension insurance, the more pension security we enjoy after retirement. And because the local workers will also be with the development of the economy, continuously, in the future, we will determine the retirement salary after retirement will also increase, the amount received may be more than the original, under the general trend of cultivation, this tendency to increase wages is more and more obvious.

After our ** delayed retirement policy, it is also determined that the pension will also be followed**. Because the current price is also increasing, if the amount of pension insurance is not followed, the protection of retirees will not be in place. And in order to allow retirees to enjoy sufficient economic development results and achieve social fairness, our pension security funds will also increase investment every year.

According to the latest data, our country has raised pensions for many years, and with the nationwide social security finance in the future, social security will be more and more perfect. Therefore, if you delay retirement, pension insurance will definitely be in place. <>

To sum up, although we have postponed the retirement age in the annual adjustment, our overall pension work has not been relaxed. ** According to the general trend of contemporary society, through the overall way to make our pension work in place, we can improve the pension security funds after retirement.

Retirement wages are increased after delayed retirement, because delayed retirement means an increase in the number of years of contributions.

Of course, it can be raised, because after delaying retirement, the average salary must be ** at that time, and the state subsidy must be more.

Now due to the aging of our society, the retirement celebration is delayed, so the retirement salary will definitely rise after retirement, because after a few more years of work, the part of the pension that I pay will also have a high reputation to search for some difficulties.

I'd rather receive less of my retirement salary than retire early.

The aging of the population has led the country to change the retirement system. At present, China's retirement age has been postponed, and the pension merger system has also been implemented. China's current statutory retirement age is 60 years old for men, 50 years old for female workers, and 55 years old for female cadres.

In accordance with the law, some employees with special types of work and those who meet special conditions can retire early in accordance with the law. Starting from 2018, the retirement age for women will be delayed by one year every three years, and the retirement age for men will be delayed by one year every six years, and by 2045, the retirement age for men and women will reach 65 years at the same time. At the same time, in order to respect people's right to choose the retirement age and reduce resistance to reform, the report recommends that China also introduce a flexible mechanism after the retirement age reform.

Based on the statutory retirement age, it is stipulated that people can retire 5 years in advance, or they can retire higher than the statutory retirement age, and the pension standard can be appropriately adjusted: referring to the flexible age design of other countries, it can be stipulated that for every 1 year of early retirement, the basic pension standard will be reduced by 1% compared with normal retirement, and 5% 5 years in advance; For each year of postponement of retirement, the pension is higher than the normal standard, and for five years of postponement, the pension rises by 4 per cent. At the same time, the flexible space design of the retirement age can be appropriately tilted towards women, that is, the early retirement age of women can be slightly relaxed.

Article 16 of the Social Insurance Law Individuals who participate in the basic old-age insurance and have paid contributions for 15 years or more when they reach the statutory retirement age shall receive the basic pension on a monthly basis. Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.

The third season of the Money Racing Competition

Can pensions continue to grow after delaying retirement? We are understandably concerned about this issue. But after all, it's too early to talk about it.

Because of the first postponement of retirement, so far there has been no implementation, and no clear timetable has been given. That is, when the delayed retirement will be implemented, we do not know. So it's a bit too early to go to the question.

According to the notice issued earlier by the Ministry of Human Resources and Social Security, they will implement the 5-year transition period, which means that if the delayed retirement policy can be implemented in 2025 in the future, then basically the real implementation time should be around 2030, so it means that it is impossible to implement the delayed retirement in the next 5 to 10 years, so it will not have much impact on the people who will retire in the past 5 to 10 years.

And take the growth of the pension to illustrate this problem, if the pension will continue to grow after 5 years or 10 years, in fact, it is difficult to judge, the growth of the pension every year it is mainly based on the balance of social security ** to decide, if you can do the social security ** income is greater than the expenditure, there is a sufficient balance, then this can support the normal growth of the pension, but if the future pension ** can not do the balance of income and expenditure, or even the income is less than the expenditure, Then the pension may not continue to grow.

Therefore, we start to judge from now on, 5 years later, or 10 years after the pension will continue to grow such a question, some are too early, and it is also difficult to judge, because after all, each year is released by the human resources and social security department alone, each year of specific growth, in fact, although in the past 16 years in the process of pension is constantly growing in the process, but after all, the proportion of growth each year is re-released and re-implemented.

For example, from 2005 to 2014, the growth ratio of pensions for retirees in the country during the 10-year collapse period was a stage of rapid growth of 10%. Then there has been a decline since 2015, for example, the growth rate in 2015 was, then it fell in 2017, and then it fell to after 2018, and it continued to grow in the three years from 2018 to 2020.

Therefore, the growth ratio of each year, on the one hand, he has to look at our specific pension ** balance to decide, and on the other hand, the balance of the pension itself to decide, on the other hand, it is necessary to comprehensively consider the price cost of CPI, comprehensive consideration of economic growth factors and other comprehensive reasons, and finally to implement the growth of pensions, so every year is to guess whether the pension needs to be re-determined whether the pension is growing, and how much money is specifically increased. It's not that we have to guess whether the pension will increase in the future, but we won't know until that time period.

Yes, according to the relevant regulation and control of the state, the postponement of retirement is coming, and a series of changes will occur in the pension treatment, for the postponement of retirement, the pension will definitely have a certain degree of **, the range is currently maintained at about 500 600 yuan a month.

Delay retirement for two years. According to the pension calculation formula, its basic pension treatment, the basic pension is 12% of the average social salary of the previous year of retirement, and the personal account pension is 256 yuan. The monthly personal account pension is increased by more than the original.

Yes, retirement will be delayed, and then our pension will also increase, about 300 yuan per month.

How long does it take for an insured to delay retirement after delaying retirement? How much more pension can I get when I retire? Let's take a look.

Does delaying retirement also mean that retirees receive their pensions for a shorter period of time? While life expectancy is different for everyone, life expectancy is reasonable, and delaying a person's pension means they will receive less pension.

If men and women retire at the age of 65 at the same time after the postponement of the retirement age, how many years will they still be able to receive a pension? There are two main ways to calculate it: 1Calculations based on life expectancy.

In terms of life expectancy, the average life expectancy in China is 77 years. Many people think that if they retire at 65, they will receive a pension for at least another 10 years, but this is not what you think. Read on to find out why this is the case.

There are two pension accounts – an individual account and a joint account – and the balance of the blank personal account can only be claimed after the joint account. For members, personal accounts are all expenses, and receiving their own money is not essentially a pension, and if the money paid to social security is saved until retirement, the money will be there. Only when you receive a joint account (everyone's money) is considered a real pension and you can enjoy the pension dividend.

When a retiree retires, the accounting of the pension takes the accrual months, which also means that within a certain number of months, the member receives money from the vacant personal account, in the case of male retirees, the current accrual months for retirement at the age of 65 is 101 months, so within 101 months after retirement, the member receives money from the personal account (his money), which means that he will get everything.

If he retires at the age of 65 after delayed retirement, 101 months is about 9 years, which means that he will not receive all the money (his money) in his personal account until he is 74 years old. However, the average life expectancy in China today is 77 years, so you can only actually receive a pension for about three years. If the pension grows at a different rate from year to year, it may shorten the time it takes for a retiree to receive the principal, but in general, it takes seven to eight years.

This means that the time to receive the principal will be shortened and the time to receive the annuity will be extended by several years.

2.Calculated based on actual life.

It's hard to estimate. After all, everyone's health is different, life expectancy is incalculable, and life accidents happen everywhere. However, based on current life expectancy, many are around 80 years old.

If we estimate and calculate at the age of 80, people generally receive a pension for about 6 years. Of course, this number of years is not absolute; If life expectancy is longer and the pension increases year by year, then more pension dividends will be distributed and the number of years of pension benefits will increase.

So, what do you think about this postponement of the retirement age?