After retirement, some elderly people have only more than 1,000 yuan in pensions, while some elderly people have pensions that can reach tens of thousands of yuan. The pension gap is more obvious, but the reasons for this are relatively complicated. Is there a way to gradually narrow the pension gap for retirees? The country has also formulated a series of measures, mainly in these five ways:
first, calculation of basic pensions.
Although the pension calculation for retired elderly people is that pay more and get more and get more and get more and get more and get more and more, the formula for basic pension calculation also reflects the part of narrowing the benefits gap.
According to the basic pension calculation formula, if the fee is paid according to the 60% base, 0.8% of the social average salary for the previous year of retirement will be received for each year of payment.
If the payment is 100% base, you can receive 1% of the social average salary for the previous year of retirement for every year of payment. If you pay a 300% base, you can receive 2% in a year.
It can be seen from the calculation formula that the payment base is 5 times, while the basic pension benefits are only 2.5 times.
Second, increase pensions in a fixed amount.
2023 is about to usher in the new year's pension adjustment. According to the provisions of Social Insurance Law, pensions are mainly adjusted based on the growth of social average wages and price growth. It is expected that the pension growth rate will be around 3% to 4% next year.
pension adjustment method, one is to adjust quota . The adjustment of the fixed quota increases the pension, which means that everyone increases the same pension. If the same amount of pension money is increased, the gap in people's pension level will narrow.
For example, in 2022, the quota of Shandong Province's pension adjustment plan will be increased to 43 yuan, and the pension of 1,000 yuan can increase by 4.3%, while the pension of 10,000 yuan can only increase by 0.43%.
Third, increase pensions with a preference.
Another way to increase pensions is to increase pensions, mainly for the elderly and retirees in difficult and remote areas.
For example, for corporate retired elderly people over 70, 75 and 80 years old in the previous year, each person will add an additional basic pension of 290 yuan, 190 yuan and 360 yuan per month.
This method of increasing pensions does not depend on the level of personal pensions. As long as the conditions are met, the increased pensions are also the same as for everyone .
fourth, funeral and pension benefits are the same.
has died in the basic pension insurance for employees of enterprises. Now the " Interim Measures for Basic Pension Insurance Benefits for Enterprise Employees of Enterprise Employees" has been implemented, opening up a unified standard.
funeral subsidy is unified as two months of death in the previous year. The per capita disposable income of urban residents in the province where they lived was per capita, and it is the same in every province.
pension is determined based on the payment period and the number of months of pension payment. The payment period is 15 years to receive the monthly per capita disposable income of urban residents in the province where they lived in the previous year. For every extra payment of one year, the additional payment will be issued for one month, and the maximum is no more than 24 months. If you receive a pension, you will be paid for one month every year, and the minimum is 9 months.
If people target the average life expectancy, they will die after that age and receive funeral subsidies and pension benefits for 2+9 months per capita disposable income of urban residents .
Fifth, the same as the winter heating subsidy.
Recently, retirees in many northern provinces have received their October pension. Since the winter heating subsidy in October is distributed together with the pension, many elderly people feel that the pension has increased a lot. An elderly man originally received a monthly pension of 4,100 yuan, but he received 8,000 yuan. The winter heating fee standard in Qinghai Province is 3,900 yuan.
The winter heating subsidy standard in Ningxia Autonomous Region is higher, and this year it is 4,563 yuan. The winter heating subsidy standard in Shanxi Province is 3,360 yuan, Shaanxi Province is 2,360 yuan, Shandong Province is 1,700 yuan, Hebei Province is 1,240 yuan, 1,400 yuan and 1,560 yuan, and Tianjin City is only 520 yuan. Henan Province is 480 yuan, but it is paid monthly, at 120 yuan per month.
winter heating subsidy benefits are also irrelevant to the pension level and are treated equally by everyone.
Overall, has indeed established many treatments to narrow the pension gap or everyone can treat equally.In the upcoming 2023, the pensions for retirees will be adjusted again. I believe the gap in pensions will narrow.
