With the development of the times, more and more people have begun to rely on social security to pension for themselves. Pension, as the most important social pension insurance benefit of , is very important to many people, especially for some families with financial difficulties or only children. Having a pension after they are old can not only give themselves a solid guarantee, but also reduce their children's living burdens. It can be said that they kill two birds with one stone.
Unconsciously 2022 has come to an end. Looking back on this year, retired elderly people have enjoyed a lot of benefits. What is very commendable is that under the severe situation of the new crown pneumonia epidemic, the country has still raised the pension benefits of retirees, effectively achieving the "18 consecutive increases" of . Of course, everyone hopes that the more money they get, the better. Therefore, some people have begun to speculate on the adjustment of pensions in 2023. Nowadays, the elderly population in my country is constantly rising, and more people are gradually receiving pensions. Many people are worried that pensions will not be issued enough, and there are even rumors that pensions will stop rising. So what is the truth?
In fact, from the information I have learned, the probability of pension increases next year is still very high. Let’s take a look at these four major signals:
first, policy guarantee
The purpose of the state’s pension is to ensure that the basic lives of retirees are not affected. Article 18 of the " Social Insurance Law " stipulates . The state establishes a normal adjustment mechanism for basic pensions, and will promptly improve the basic pension insurance benefits level based on the growth of employees’ average wages and price increases.
In 2022, although affected by the new crown pneumonia epidemic, many places still withstood the pressure and raised the minimum wage standard, the wage level of employees has improved, and the quality of life is also high. In addition, prices are still rising this year. According to the latest data released by the National Bureau of Statistics, . In November, the national consumer price (CPI) rose by 1.6% year-on-year. Among them, food prices rose by 3.7%, non-food prices rose by 1.1%, consumer goods prices rose by 2.3%, and service prices rose by 0.5%. On average from January to November, the national consumer price rose by 2.0% compared with the same period last year. Therefore, it is necessary to appropriately increase the level of pension benefits.
Second, the national economy is developing positively
The new crown pneumonia epidemic has lasted for 3 years. It not only harms people's health, but many companies will also face the risks of shutdowns and bankruptcies, large-scale salary cuts and layoffs. In short, it has had many adverse effects on social and economic development. However, our country still attaches great importance to epidemic prevention, and the government has also introduced some favorable policies to encourage everyone to consume. The country's economy has recovered well and continues to develop positively. In this case, it is not only necessary to improve the pension benefits obtained by retirees, but also very confident, which can further ensure their basic lives.
Third, the pension insurance fund account balance is sufficient
After the insured person completes the retirement procedures, he will first pay the corresponding pension from the pension personal account. After the account balance is cleared, the pension will be withdrawn from the national unified account . This money is actually the social security payment of people. Only when the number of insured persons and the amount of insurance payment will the pension insurance fund account be more full, and he is more confident in dealing with the pressure of pension payment and increase.
- First of all, according to relevant statistics, as of the end of 2021, the number of people participating in basic pension insurance in the country was 1.03 billion, but as of now, the number of people participating in basic pension insurance in my country has increased to 1.05 billion. Moreover, with the implementation of the personal pension system, , people's desire to participate in insurance and pay premiums has been further stimulated, and the number of people participating will become more and more;
- Secondly, Although my country's elderly population has increased, starting from the second half of this year, various places have successively announced the latest social security contribution base upper and lower limits. Compared with the previous year, the pension insurance payment standards have been improved, and the income and expenditure of the pension insurance fund is still balanced;
- Finally, the national coordination of pension insurance is being stepped up, indicating that the pension adjustment will be stronger. With a bumper to make up for the abundance, we can better take care of the economic underdeveloped areas. Therefore, the continued increase in pension in 2023 is still very considerable.
Fourth, pension increases have historical inertia
Since 2005, my country has raised the pension level of retirees every year. If it suddenly stops next year, it will not only be unacceptable to everyone, but also lack of fairness, which may intensify social conflicts and be detrimental to the healthy and healthy development of society. However, referring to the pension adjustment policies in recent years, the overall pension adjustment ratio is gradually decreasing. The national pension adjustment ratio may drop to 3.5% in 2023, but it has little impact on retirees.
To sum up, there is still great hope for pension increases next year, so everyone may wish to wait and see. However, not every retiree can enjoy the benefits of pension money increase. If you have these 3 situations, you will not be able to participate.
First, those who receive pensions for urban and rural residents
my country's pension insurance is divided into urban employees and urban and rural residents. Although both are national welfare, the system regulations are very different. The pension increase mentioned above is mainly aimed at enterprise withdrawals, business withdrawals and flexible employment retirees who receive basic pension insurance benefits for urban employees.
If you receive pension insurance benefits for urban and rural residents, you cannot participate in the unified national increase. Of course, localities will make adjustments based on actual development, but in comparison, not only is the increase in pension for urban and rural residents relatively low, but some areas are not yet increased every year, which is more or less a bit unprofitable.
Second, those who retire for the first time in 2023
Refer to the adjustment plan for the past years. We take the 2022 pension adjustment notice as an example, which clearly states that the adjustment scope is for retirees who have completed the retirement procedures in accordance with regulations and received basic pensions on a monthly basis before December 31, 2021. Therefore, if the pension is increased in 2023, the benefit should be those who have completed the retirement procedures in accordance with regulations and received basic pension monthly before December 31, 2022. Those who retire after January 1, 2023 can only wait for good news for the next year. However, this part will be recalculated in the second half of 2023, and the pension you receive will be further increased by then.
Third, those sentenced or sentenced to labor education
Law is the bottom line for maintaining social fairness, justice and harmonious and stable development. The authoritative law cannot be challenged. If someone is sentenced to detention, fixed-term imprisonment or above during the period of receiving pension benefits, or is sentenced to labor education, the basic pension will be stopped during the period of serving the sentence or labor education, and the pension during the period of suspension will not be reissue after the period of serving the sentence or labor education, and do not want to suffer losses, then you must be a good citizen who abides by the law in .
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