How to adjust the pension? How to adjust the pension

The Ministry of Human Resources and Social Security and the Ministry of Finance issued a notice in March, making it clear that in 2018, the basic pension level of retirees in enterprises and institutions will continue to be increased simultaneously, with an overall increase of about 5%, and require all localities to formulate specific implementation plans, report to the Ministry of Human Resources and Social Security and the Ministry of Finance for approval, and pay close attention to the organization and implementation, and distribute the adjusted and increased basic pension to retirees as soon as possible.

Recently, Shanghai took the lead in announcing the specific implementation plan for pension adjustment, proposing that from January 2018, the pension will be increased for enterprise retirees (including those who are included in the occupational insurance according to the provisions of the original town insurance pension on a monthly basis) and urban and rural residence insurance pensioners, which will be issued on May 18.

According to the specific measures for adjustment announced by Shanghai, first, the quota per person will be increased by 60 yuan; the second is to increase 2 yuan for every 1 year according to the number of years of payment of the person's occupational insurance (including the deemed payment period), and if it is less than 30 yuan, it will be calculated as 30 yuan; The third is to increase my basic pension in December 2017. At the same time, Shanghai will also increase the basic pension of urban and rural housing insurance from January 2018, with an increase of 80 yuan per person per month. After the increase, the basic pension standard of urban and rural housing insurance in Shanghai is 930 yuan per person per month.

Most areas have not yet introduced adjustment plans. The two sessions are over, it's almost over, wait patiently.

How to adjust the pension?

The per capita pension of retired workers increased by 4%, not everyone increased by 4%, specifically, the actual increase of individuals may be higher than 4%, or lower than 4%, and the specific increase is related to the amount of fixed adjustment, linked adjustment and inclined adjustment in the province. With the introduction of provincial pension schemes.

In terms of quota adjustment, all retirees will increase the amount per person per month, such as 35 yuan per person per month in Hunan, 40 yuan per person per month in Liaoning, and 27 yuan per person per month in Jiangsu. In terms of peg adjustment:

There are links to the number of years of contribution and to the level of pensions. In terms of the linkage of the payment period, for example, Hunan will increase the yuan for one year, and pay for 15 years will increase by 18 yuan; Shanxi is to increase the yuan every year, and to pay for 20 years is to increase 20 yuan = 27 yuan; The provinces linked to the pension are also different, such as the Ningxia pension link, the Hunan pension link, the personal pension of 2000 yuan, can be increased by 2000 yuan.

In terms of tilt adjustment, the provinces have increased the number of retirees in remote areas for the elderly. Some provinces for the elderly start to add at the age of 65, and most provinces start to add at the age of 70, such as Zhejiang Men at the age of 70 and women at the age of 65, with an increase of 25 yuan per month for those under the age of 80 and an increase of 50 yuan per month for those over 80 years old.

If the personal pension is 2,000 yuan, the payment period is 25 years, and the age is 72 years old, then the amount can be increased, according to the Anhui Provincial Plan: Fixed: 39 yuan per person per month Payment linkage:

32 + 10 yuan pension linkage: 2000 yuan old age inclination: 10 yuan a total of 39 + 53 + 10 + 10 = 112 yuan per month, after the adjustment of personal pension from 2000 yuan per month to 2112 yuan per month, an increase of 4% higher than the average of people.

How to adjust personal pensions should be calculated in combination with the adjustment plans of the provinces, autonomous regions and municipalities directly under the Central Government.

The overall adjustment level of the pension in 2023 is the monthly per capita basic pension of retirees in 2022.

The increase is closely related to the real price growth index and is within the normal range. "On the one hand, China's price level since 2022 has not been too fast or too large, on the other hand, according to the adjustment idea of quota, linkage, and appropriate tilt combination, with reference to the price level, the increase seems to be small but within a reasonable range.

This adjustment will continue to adopt the adjustment method of combining quota adjustment, linkage adjustment, and appropriate tilt. Among them, the quota adjustment reflects social fairness, and the adjustment standards for all types of retirees in the same region are the same; The linkage adjustment reflects the incentive system of "paying more and getting more" and "paying more for a long time", so that those who pay more and pay more for a long time can get more pensions; Appropriate tilt reflects key care, mainly to take care of groups such as elderly retirees and retirees in difficult and remote areas.

The meaning of pensions

1. It is conducive to ensuring the reproduction of labor. Through the establishment of the endowment insurance system, it is conducive to the normal intergenerational replacement of the labor group, the retirement of the elderly, the smooth employment of the new growth labor force, and the rationalization of the employment structure.

2. It is conducive to the safety of society. Pension insurance provides basic living security for the elderly, so that the elderly can have support. With the advent of the aging population, the proportion of the elderly population is getting larger and larger, and the number of people is also increasing, and the old-age insurance guarantees the basic life of the elderly workers, which is equivalent to ensuring the basic life of a considerable part of the population in deficit.

3. It is conducive to promoting economic development. Most of the pension insurance systems designed by various countries link fairness and efficiency, especially the pension raising model of partial accumulation and full accumulation. The amount of pension that a worker receives after retirement is directly related to his or her salary income and the amount of contributions he or she has paid during his or her working period, which can undoubtedly produce a kind of incentive for workers to work actively during their employment and improve efficiency.

Legal analysis: Individuals who participate in the basic pension insurance and have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis.

Legal basis: Article 16 of the Social Insurance Law of the People's Republic of China Individuals who participate in the basic endowment insurance and have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension of their relatives on a monthly basis.

If the individual who participates in the basic endowment insurance has paid less than 15 years of contributions when he reaches the statutory retirement age, he or she can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social pension Hutong insurance or urban residents' social pension insurance, and enjoy the corresponding pension insurance treatment in accordance with the regulations.

Legal analysis: (1) Quota adjustment.

According to the time of retirement (retirement), it is divided into three levels:

1. Those who retire or retire before December 31, 1995 will be increased by 45 yuan per person per month;

Those who retire or retire during the period from January 1 to December 31, 2005 will be increased by 40 yuan per person per month;

Those who retire or retire from work between January 1 and December 31, 2019 will receive an increase of 35 yuan per person per month.

2) Peg adjustment.

It is linked to the number of years of payment and the level of basic pension

1. Each person will be increased by 2 yuan per month according to the number of years of payment (including the deemed payment period, excluding the payment period converted from special types of work), and the payment period of less than one year will be calculated as one year;

2. At the same time, each person will increase their basic pension in December 2019 every month.

Legal basis: Article 10 of the Social Insurance Law of the People's Republic of China Article 10 Employees shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums.

Individually-owned industrial and commercial households without employees, part-time employees who have not participated in the basic pension insurance at the employer, 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 ***.

<> "Pension Adjustments.

The pension adjustment notice was introduced, according to the average pension standard to adjust, it can be said that many people have been looking forward to the pension adjustment notice, a few months, the dust has finally settled, and the stone in their hearts has been put down. Of course, this is only the first step in the pension adjustment process, and we cannot know how much we have increased through the pension adjustment notice. In fact, we carefully read the pension adjustment notice of the human resources and social security department, which clearly stipulates that this year will continue to implement the adjustment principle of three combinations, quota adjustment, linkage adjustment and tilt adjustment in a combination of ways.

At the same time, following the continuous implementation of the adjustment method of enterprise unit retirees and government institutions and institutions and institutions, the adjustment method is carried out, that is to say, there is no longer a distinction, and the enterprise retirement and the government institutions retire will all adopt the same adjustment method to enter this jujube line. It can be said that this year's adjustment plan as a whole will not have much change, except for the adjustment ratio. That's just a drop from last year's 4%.

It can be said that the magnitude of this decline is also very small, and it is beyond the expectations of many people. So in the end, we believe that the specific adjustment of this year's pension will not change much compared to last year.

And what we are doing today is that 15 years of service and 30 years of service, how big will the pension adjustment gap be? Since in the adjustment notice of the human resources and social security department, we see that the principle of three combinations will continue to be adopted, so we will continue to use a combination of quota adjustment, peg adjustment and tilt adjustment. Then this also fully shows that there is no major change in the overall adjustment principle, and with the linked adjustment, the factors of length of service and pension treatment will be fully considered.

For individuals with longer working years, then he can naturally have a great advantage, on the contrary, with a shorter working experience, he does not have any advantage in the process of adjustment.

As a simple example, if you increase the treatment of one dollar for each year of service in your area, then the corresponding 15 years of service can be increased by just 15 yuan. And an individual with 30 years of service can just add 30 yuan. So the gap between the two is clear at a glance, but in addition, there is another factor to consider, which is the pension-linked factor.

Individuals with 15 years of service and individuals with 30 years of service must have different pensions, so there is a certain gap in pensions, and a certain gap will be formed in the process of linking adjustments.

In addition to the adjustment of the Ministry of Human Resources and Social Security this year, the notice also emphasizes the need to continue to strengthen incentives and appropriately increase the linkage adjustment. Then this also fully shows that the longer the length of service, including the higher the pension of the individual, often has an advantage, because the treatment of the linked adjustment may be improved accordingly, so for the middle and high income groups, there are certain benefits. This can also improve people's enthusiasm to participate in social security to a certain extent, because you can only increase your pension if you increase your payment period, and you can get a higher growth in the future pension adjustment process.

Legal analysis: The overall adjustment ratio of the country is determined according to 5% of the per capita basic pension of retirees in 2019. Each province shall determine the adjustment ratio and level of the province with the overall adjustment ratio of the whole country as the high index limit.

Legal basis: Notice of the Ministry of Human Resources and Social Security and the Ministry of Finance on Adjusting the Basic Pension of Retirees in 2020 I. Scope of Adjustment. Retirees who have gone through the retirement procedures in accordance with the regulations before December 31, 2019 and receive a basic pension on a monthly basis.

Second, adjust the level. The overall adjustment ratio of the country is determined according to 5% of the monthly per capita basic pension of retirees in 2019. Each province shall determine the adjustment ratio and level of the province with the overall adjustment ratio of the whole country as the upper limit.