In the blink of an eye, 2023 is coming soon. What good news will be for our pension insurance in the new year? There are at least four good news about pension insurance benefits in 2023, mainly annual pension adjustments, increase in retirement pension base, funeral pension benefits, etc. What are the specific changes?
Retirees pension increased.
Since 2005, the pensions of retirees in my country have been adjusted once a year, and achieved 18 consecutive increases in 2022. The basis for the increase in pension is actually mainly because the " Social Insurance Law " clearly stipulates that a normal adjustment mechanism for basic pensions should be established, and the basic pension for retirees should be adjusted in a timely manner based on employee wage growth and price increases.
2022, the per capita disposable income of in the first to third quarters of reached 15,678 yuan, and increased by 5.1% year-on-year. If the labor force and employment decreases are taken into account, wage growth rates will be higher. Relatively speaking, the consumer price index of residents increased by only 2.0% year-on-year in the first and third quarters, which is still relatively stable.
At present, my country's pension insurance fund still has a relatively sufficient affordability. In addition to the cumulative balance of 5,000 billion yuan, the current revenue is still greater than the expenditure. The national social security fund's equity accumulation exceeds 2.5 trillion yuan, and it also owns 10% of the state-owned enterprise equity . Therefore, pensions will definitely grow in 2023, and the expected growth rate will be around 3% to 4%.
Pension calculation base increases.
The annual pension base growth is determined based on the growth of the average social wage and the growth rate of price.
In fact, the annual pension adjustment is implemented for elderly people who have retired and received their pensions before December 31 of the previous year. The increase in the pension base for each year will increase the elderly who apply for retirement and receive pension benefits after January 1 of that year. This will achieve full coverage of all retired elderly benefits.
However, don’t worry about the announcement of the annual pension base, as the pension adjustment usually requires the second half of the year after the pension adjustment. This year has been announced in September. Currently, 28 provinces have announced the pension base, with a general growth rate of more than 4% to 6%. Some areas such as Shanghai, Tibet Autonomous Region and Heilongjiang Province have also grown by more than 10%.
funeral subsidy standard has been increased.
According to the "Interim Measures for the Treatment of Basic Pension Insurance for Enterprise Employees in ", the standard for funeral subsidies is calculated based on the that is twice the monthly per capita disposable income of urban residents in the previous year when the insured person dies.
2021, the per capita disposable income of urban and rural residents in my country was 35,128 yuan, of which the per capita disposable income of urban residents in reached 47,412 yuan (about equal to the average monthly 4,000 yuan). The per capita disposable income of urban residents in various provinces, cities and autonomous regions in 2021 ranges from 36,000 yuan to 82,000 yuan, and the difference is quite large.
From the first to third quarters of 2022, the per capita disposable income of urban and rural residents in my country still maintained a steady growth rate, with the growth rate of being 5.3% year-on-year. Among them, the per capita disposable income of urban residents reached 37,482 yuan, an increase of 4.3% year-on-year.
Therefore, the standards for funeral subsidies are likely to rise.
survivor pension standards have been improved. The standard for
survivor pension is the same as funeral subsidy. According to the "Interim Measures for the Treatment of Basic Pension Insurance for Enterprise Employees in ", it is linked to the monthly per capita disposable income of urban residents in the province in the previous year when the insured person dies. However, the standard of the pension is determined comprehensively based on the payment period and the pension time.
in-service employees , the payment period is less than 5 years, less than 10 years, and less than 15 years, and you can receive 3 months, 6 months, and 9 months respectively. Because the time exam is very strict, the salary is only three months apart from 4 years and 11 months. The payment period is over 15 years, and the number of months paid for each year is increased by one month. If the payment period exceeds 30 years, it is calculated as 30 years.
retired employees first, based on the maximum that can be received when working, , and each pension is reduced by one month.
Like employees in Shanghai, the maximum pension standard for 2022 is 164,858 yuan. Similarly, the benefits will continue to increase next year.
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