For the upcoming 2023, many elderly people expect the pensions of retirees to continue to adjust, especially for those with lower pensions. Some netizens said that when pension adjustments, you can " raise the limit of ". For elderly people with pensions less than 3,000 yuan, 300 yuan can be effectively narrowed. Having said that, this situation is really hard to achieve.
2023 pension adjustment is indeed coming soon.
In accordance with the provisions of the " Social Insurance Law ", the state has established a normal adjustment mechanism for basic pension insurance benefits. According to the wage growth and price growth of employees in , will promptly increase the level of basic pension insurance benefits.
From 2005 to 2022, the pension for retirees has increased by 18 consecutive times, and has not been lost for a year. Although the pension adjustment has slightly decreased, from 10% in 2015 to 4% now, there is still room for decline. Therefore, pension adjustments will not be abruptly cancelled in 2023.
From a data perspective, according to data from the National Bureau of Statistics, the per capita disposable income of urban and rural residents in my country continued to show a growth in the first three quarters of 2022, with wage income of 15,678 yuan increasing by 5.1% over the previous year, accounting for 56.7% of the total per capita disposable income of residents. In addition, the consumer price index also increased by 2.0%. In order to ensure the pension benefits of retired elderly people, pensions will definitely continue to be adjusted.
Why does it take for elderly people with pensions below 3,000 yuan to increase by 300 yuan?
has three main reasons:
First of all, pension insurance funds are difficult to bear. The elderly with pensions below 3,000 yuan are a huge group of , and everyone increases by 300 yuan, which is difficult for the pension insurance fund to bear. According to data released by the Ministry of Human Resources and Social Security, the per capita pension level of retired employees in my country's enterprise is only 2,987 yuan in 2021. According to the total number of retirees (131.57 million in 2021), the pension for almost 60 million elderly people is less than 3,000 yuan. If these groups increase by 300 yuan each, at least 216 billion yuan will be required. If the growth of other groups is taken into account, at least 300 billion to 400 billion yuan is required.
In recent years, my country's pension insurance fund revenue and expenditure have been tight, and it has just maintained that income is greater than expenditure. And nearly 1/4 of the income still relies on financial subsidies. In the first and third quarters, the total income of the three insurance funds of pension, unemployment and work-related injuries in my country was only 5.25 trillion yuan, and the expenditure was 4.89 trillion yuan. The annual pension adjustment is increased on the original basis. If it increases by 300 billion to 400 billion yuan per year, the pension insurance fund will not be able to withstand it.
Second, the total amount of pension adjustment is limited. For example, last year, the per capita pension for retirees increased by 4%, while our per capita pension level was only about 3,300 to 3,500 yuan, which means that the total amount of pension increased was only about 150 billion yuan. This overall adjustment quota must be carried out in three ways: fixed quota adjustment, linkage adjustment, and appropriate inclination. In the 2022 pension adjustment plan, the amount of pension money increased by everyone in each province is only about 30 to 50 yuan.
In accordance with the 2022 National Basic Pension Adjustment Notice for Retired Personnel, the state clearly states that should increase the linkage and adjust the proportion of to enhance the incentives of paying more and paying more and paying more and paying more and paying more and paying more and paying more and paying more. Therefore, there is not enough quota to allocate to elderly people with pensions less than 3,000 yuan.
Third, we must maintain social fairness . Some people pay for 15 years according to the minimum base and receive a pension of about 1,000 yuan after retirement. If the retirement pension is less than 3,000 yuan, it can increase by 300 yuan. This growth rate will cause losses for those who will retire and continue to pay fees. After all, the pension for one year and one year of retirement after one year will increase by about 100 yuan. After retirement, the pension will increase so quickly, it is better not to pay the fees and retire as soon as possible. In this case, it is not conducive to social fairness.
In addition, after retirement, people no longer implement pension insurance payments. If retirement pensions grow rapidly, they actually consume the pension insurance fund paid by young people now. This is the intergenerational transfer in terms of pension security. The future young people can no longer enjoy the current affordable retirement conditions. , for example, pushing to delay retirement , increasing the payment period for pensions, and improving the monthly payment system for personal pension insurance accounts.
So based on the above three reasons, it is basically impossible for everyone to increase their pension by more than 3,000 yuan.
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