pensions are uniformly paid according to age, 2,000 yuan will be paid at the age of 50, 3,000 yuan will be paid at the age of 55, and 4,000 yuan will be paid at the age of 60. Is it feasible?
There are differences in pension levels for retirees. Some can reach more than 8,000 or 9,000 yuan, while others only cost two or 3,000 yuan. Data shows that the per capita pension for corporate retirees in 2021 was 2,987 yuan. Since the pension increased by 4% this year, the per capita pension for corporate retirees in 2022 was about 3,106 yuan. Most corporate retirees have less than 3,000 yuan in pensions. For this reason, some netizens said that can the pension be distributed uniformly according to age? When you retire at the age of 50, 2,000 yuan will be paid for the pension; when you retire at the age of 55, 3,000 yuan will be paid for the pension; when you retire at the age of 60, 4,000 yuan will be paid for the pension, there will be no obvious gap in the pension. Is this feasible?
If pensions are paid according to age, what problems will be? Let’s first look at the favorable aspects:
1. The pension payment standards are unified. Retired personnel of the same age can receive the same pension benefits, without any gaps or imbalances;
2. For many people with low pension levels, pension benefits will be significantly improved and the quality of pensions will be improved.
, but there are more disadvantages, , which is also the reason why it is difficult to achieve unified pension payment according to age:
1. Everyone's insurance participation levels are uneven, and the payment situation is different. If it is uniformly distributed according to age, it will be obviously unfair for people with long service years and high payment levels, and it will also undermine everyone's enthusiasm for participating in insurance. For example, if you have 15 years of working years and pay 60%, if you get the same pension as if you have 40 years of working years and pay 100%, who will actively pay social security?
2. It will also bring impact to the current social security system and will not conform to the original intention of the design. Currently, pension insurance includes employee pension insurance and urban and rural residents' pension insurance. You can choose one of the insurances based on your own conditions. How much pension can you get in the end depends on the individual's payment years, payment level, etc. If you do not distinguish between different pension insurance and do not look at the payment status of the insured person, you will all pay the pension according to age, then this is a system with a welfare nature, not the social security system.
3 and social security fund will be difficult to maintain steady operation. If pension benefits are not paid according to the payment situation, but are paid according to age, and there is no longer any difference or incentive, then insurance will be included in accordance with the minimum standards, and social security fund income will be significantly affected, and pension payment may be difficult to guarantee.
4. Pensions may not be guaranteed to be adjusted normally, and the quality of pensions will also be affected. If pensions are paid at the age of 50, 55 and 60, then for elderly people over 60 years old, if they still receive pensions according to this standard, the quality of pensions will not be very high. Because the current pension will be adjusted according to factors such as rising prices and social average wage growth, and if pensions are paid according to age, the increase in pension may not be achieved.
5. The cost of living in different regions is not fully considered. If pensions are uniformly distributed according to age, for retirees in first- and second-tier cities, such pension standards may not be able to maintain a basic pension life.
To sum up,
pensions are distributed uniformly according to age, which is obviously not feasible. In fact, the age factor has been reflected in the pension benefits. For example, the number of months of pension for different ages is different; for example, retirement at the age of 50 and retirement at the age of 60, under the same conditions, the pension received at the age of 50 is small, but receiving pension 5 years in advance is equivalent to receiving an additional 5 years of pension, and it will not suffer any loss.
For example, when the pension is adjusted, it will be adjusted inclinedly, and an additional tilt will be given to older retirees. Therefore, it is very unrealistic to change the current pension calculation method and adjust it to pay by age. What do you think?
