After entering October, all work will be concluded, and it is time for us to plan our work for next year. According to past experience, this year we have achieved 18 consecutive increases in pensions for retirees, and the 19 consecutive increases next year will not be far. However, some people suggest: How much increase will the pension increase if it is less than 3,000 yuan? What is higher than 10,000 yuan will not increase? To be honest, the number of people with lower pensions has increased, which has been done all the time. However, people with higher pensions cannot do so if they do not increase.
Why does pension increase?
The annual increase in retirement pensions is not only subject to institutional regulations, but also legal regulations. In accordance with the provisions of the " Social Insurance Law ", the state has established a normal adjustment mechanism for basic pensions, and based on the growth of social average wages and price growth, the level of basic pension insurance benefits will be improved in a timely manner.
According to previous years, every year, 2 December National Financial Work Conference will arrange funds to support the next year's pension adjustment. I believe there will be news soon.
Our pension is called basic pension . In fact, it protects the basic living standards of the elderly. This is also the reason why our contribution base has an upper and lower limit of 60% to 300%. It is indeed unfair to say that if you retire one month later and the pensions are very different under the same conditions.
According to the pension calculation formula, retirees calculate the social average salary or pension base for retirement in the previous year used by the pension, and new ones will be announced every year. The average social wage calculated for retirement in December and January of the following year is different. In this case, if the basic factors of the two people are the same, the pension may be different by several hundred yuan, so the pension adjustment can effectively narrow the gap .
In addition, if the pension is not adjusted, the social purchasing power of pension benefits will continue to decline with the increase of social wages and the growth of prices. Pension is a basic pension, and the basic living of the elderly must be guaranteed, so pension adjustments have been made in recent years. For example, 2022 is the 30th year of for the continuous adjustment of pensions for retired elderly people in Beijing. In September, China's consumer price index increased by 2.8% compared with the previous year, which is indeed a significant increase. In this way, the pension growth in in 2023 is indeed more necessary.
Pension rose by more than 3,000 yuan, and if it is higher than 10,000 yuan, is it OK?
At present, our pension adjustment plan has always adhered to three methods: fixed quota adjustment, linkage adjustment, and appropriate tilt . Pension adjustments not only need to achieve fair adjustments for everyone, but also need to achieve incentive mechanisms for more payment and more gains, and there is also a preferential situation for some special groups.
If we only consider the quota adjustment and linkage adjustment, we can actually see that the proportion of people with lower pensions in has a higher growth rate, while the proportion of people with higher pensions in is much lower.
Take Shandong Province 2022 pension adjustment plan as an example: the fixed quota is adjusted to increase the basic pension by 43 yuan per person per month. Adjusted according to the payment period, the payment period is less than 15 years, 16 to 25 years, 26 to 35 years, 36 to 45 years, and more than 46 years. The annual payment period increases the basic pension by 1.3 yuan, 1.5 yuan, 1.7 yuan, 1.9 yuan and 2.2 yuan respectively. Adjusted to the pension level, it will increase my monthly basic pension by 1.26%. The tilt adjustment mainly focuses on additional pensions for elderly people.
If you do not enjoy preferential care, the basic pension will be 3,000 yuan, the payment period will be 35 years, and the increased amount will be 132.3 yuan. The growth rate is 4.41%. For those who have a pension of 10,000 yuan and the same period of payment can only increase 220.3, and the proportion of pension growth is only 2.2% .
However, people have also discovered that even if the pension is high and the growth rate is low, the increase in will be more than . However, if the pension exceeds a certain amount, it will not increase, such as 6,000 yuan or 10,000 yuan. People are not motivated to choose to pay high base fees.
People pay according to high base. In fact, through pension calculation formulas and pension growth plans, we can effectively reduce the advantage of 's higher base, and also help alleviate the income and expenditure pressure of pension insurance funds. In addition, no matter how high the base is, it will not exceed 300%. The country has risk control and will not put too much pressure on the pension insurance fund in the future.
So, we have always been a group of people with lower pensions, but the proportion of people with higher pensions has a low growth rate and a high amount of money to maintain appropriate enthusiasm for insurance participation, which is good for everyone.
