Is there a new rule on postponing the retirement age?

For the time being, there is no specific policy on revising the retirement age, and the Ministry of Human Resources and Social Security's plan has not been made public for several years.

Perhaps in 2018, it will be publicly solicited for comments, revised and officially released. It will not be implemented until at least 5 years after the release (2023).

Oppose one-size-fits-all, one-size-fits-all.

Recommendation 1: From 2023, 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.

2023 Originally 50 years old Originally 55 years old.

2027 51 years old.

2031 52 years old 56 years old.

2035 53 years old.

2039 54 years old 57 years old.

2043 55 years old.

2047 56 years old 58 years old.

2051 57 years old.

2055 58 years old 59 years old.

2059 Age 59.

2063 60 years old 60 years old.

By 2063, 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. 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: The various types of pension insurance (civil servants, public institutions, enterprise employees, urban and rural residents, military pension insurance, etc.) are unified as "citizen pension insurance", all citizens, the treatment is calculated by the same method, 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 5000 yuan (**** retirement can not be higher than this ceiling).

There is no policy on delaying retirement, and it will not be in the near future.

There are no specific regulations on the postponement of the retirement age, but the implementation of the postponement of retirement is inevitable, and in accordance with the "Proposal on Formulating the 14th Five-Year Plan for National Economic and Social Development and the Long-Range Objectives for the Year 235," the gradual postponement of the statutory retirement age will be implemented. The policy of postponing the statutory retirement age has a bearing on the interests of all citizens, and it is necessary to take small steps and move forward in a steady manner to avoid causing new social contradictions. Starting in 2018, the retirement age for women will be delayed by 1 year every 3 years, and the retirement age for men will be delayed by 1 year every 6 years, until 2045, when it will reach 65 at the same time.

Among the specific proposals, the report proposes, first, to realize the integration of the pension system, and classify the retirement age into two categories: the pension insurance age for employees and the pension insurance age for residents. Secondly, the retirement age reform plan for employee pension insurance is divided into two steps.

In the first step, when the pension system was merged in 2017, the distinction between female cadres and female workers was abolished, and the retirement age of female pension insurance for employees was uniformly set at 55 years old. In the second step, 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, until it will reach 65 years at the same time in 2045. The report pointed out that there are currently young retirees in China, and developing their potential for promotion is the main direction in the future.

According to the report, given that the retirement age in our country began decades ago, it is already too low. The report recommends a gradual extension of the retirement age in accordance with the principles of merger, progressive implementation and flexible mechanisms. Specifically, first of all, to achieve the integration of pension systems, the retirement age is classified into two categories:

The age of receiving pension insurance for employees and the age of receiving pension insurance for residents. Secondly, the retirement age reform plan for employee pension insurance is divided into two steps. Thirdly, the retirement age of resident pension insurance will be delayed by 1 year every 3 years from 2033 until 2045.

At the same time, a flexible mechanism should be introduced in the reform of the retirement age, which can be considered based on the statutory retirement age, stipulating that people can retire early or late by 5 years, but the pension treatment is linked to the retirement age. The report shows that the postponement of the retirement age can effectively improve the supply of urban labor, increase the urban working-age population (below the retirement age), and delay the downward trend of its proportion. Some decisions to extend retirement are to better protect some grassroots employees, in order to better make full use of labor resources and ensure the basic living needs of the relevant people, and employees can not feel that pension has become a distant thing, and the purchase of pension is no longer a thing that benefits the whole people.

Delayed retirement, also known as the retirement age of delayed retirees, referred to as delayed retirement, refers to the system in which the state gradually raises the retirement age or delays retirement in combination with the fact that some foreign countries and regions are discussing or have decided to raise the retirement age, taking into account the changes in the structure of the Chinese population and the employment situation.

In 2017, the return delay plan was introduced, setting a "buffer period" of about 5 years, which will be officially implemented in 2022 and completed until 2045.

Delayed retirement can be divided into "two steps": in 2017, the pension system will be merged, the identity distinction between female cadres and female workers will be abolished, and the retirement age of female pension insurance will be uniformly set at 55 years old. 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 the retirement age for men and women will reach 65 years by 2045.

For the reform plan of the retirement age of residents' pension insurance, the report recommends that the retirement age of residents' pension insurance be delayed by one year every three years from 2033 until it is completed in 2045.

1. How to improve the delayed retirement plan?

1. Gradually raising the statutory retirement age for men and women is an international trend, however, from the perspective of international comparison, to 2013, the necessity of raising the statutory retirement age for men in China is not too obvious, and the necessity of raising the statutory retirement age for women is more obvious, and in the case of a lower average retirement age for women, the retirement age for women will be raised to 55 years old at the right time.

2. With the further improvement of the aging of the population, it is necessary to start the work of raising the statutory retirement age in an all-round way, so as to alleviate the pressure of insufficient labor force and pension income in the future, increase the total economic population, provide necessary population resources for economic development, and at the same time, reduce the financial and social burden of the state. After women reach 55, consideration could be given to raising the retirement age for both men and women until 2013, when most countries raise the retirement age target of 65 for men and 60 for women.

3. A reasonable increase in the retirement age requires various preparations, especially the timing of the start, and the importance of the system, the dependency ratio, relevant laws and social acceptance.

1. Delay the retirement age schedule.

Recently, the Ministry of Human Resources and Social Security officially announced that the plan to delay the retirement age has been completed, and the next step will be to solicit opinions from the society and officially implement it in 2022. With the completion of the extended retirement age scheme, a new delayed retirement age schedule has also been introduced.

The leader of the Ministry of Human Resources and Social Security gave an example at the press conference that China will implement a progressive retirement age program that will be delayed by three months every year. For example, five years later, you are 60 years old retirement, after the implementation of this policy, you may be 60 years old and 3 months old, according to this statement, combined with the current Chinese male 60 years old, female cadres 55 years old, female workers 50 years old retirement regulations, we can calculate the delayed retirement age schedule:

Retirement age for female employees = 50+3 (50+year of birth - 2021) 12

Retirement age for female cadres = 55+3 (55+year of birth - 2021) 12

Male retirement age = 60+3 (60+year of birth - 2021) 12

If (current retirement age + year of birth - 2021) is equal to or greater than the final maximum number of years of delay in retirement (e.g., if the scheme ultimately stipulates that men will delay retirement until the age of 65 at most, the maximum number of years of increase will be 5 years), the result is the maximum retirement age.

2. The impact of delaying the retirement age.

Previously, there had been speculation about delaying the retirement age, with the main difference being whether to delay to 60 or 65. If it is delayed to the age of 60, it is actually only delaying the retirement age of female workers in our country; If it is delayed until the age of 65, then the retirement age for women is delayed by 10-15 years.

In general, delaying the retirement age has a greater impact on the post-60s and post-70s. Female workers born in 1972 and later, female cadres born in 1967 and later, and male workers born in 1962 and later are all affected by the delayed retirement age.

Article 15 of the Social Insurance Law: The basic pension consists of a pooled pension and a personal account pension.

The basic pension is determined according to factors such as the cumulative number of years of individual contributions, the contribution salary, the average salary of local employees, the amount of personal accounts, and the average life expectancy of the urban population.

Legal analysis: 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, until it will reach 65 years at the same time in 2045.

Legal basis: Law of the People's Republic of China on the Protection of the Rights and Interests of the Elderly

Article 33: The State is to establish and improve a welfare system for the elderly, increasing the social welfare of the elderly on the basis of the level of economic and social development and the actual needs of the elderly. The State encourages localities to establish a system of old-age allowance for low-income seniors over the age of 80. The State shall establish and complete a system of support for the elderly in family planning families.

Rural areas can use part of the land, forests, water surfaces, tidal flats, etc., which are not contracted collectively, as pension bases, and the income can be used for the elderly to provide for the elderly.

Article 69: The State creates conditions for the elderly to participate in social development. In accordance with social needs and possibilities, the elderly are encouraged to engage in the following activities on a voluntary and capasurable basis: (1) Educating young people and children in fine traditions such as socialism, patriotism, collectivism, and arduous struggle; (2) imparting cultural and scientific knowledge; (3) Providing consulting services; (4) Participate in the development and application of science and technology in accordance with the law; (5) Engaging in business and production activities in accordance with law; (6) Participating in volunteer services and establishing social public welfare undertakings; (7) Participating in the maintenance of public order and assisting in the mediation of civil disputes; (8) Participate in other social activities.