The three major reforms of pensions in 2022 may come. Pensioners who participate in pension insurance are likely to increase their retirement income, and in fact, in addition to pensions, there are several benefits that will also be improved. Can you benefit from this?
Three major pension reforms in 2022
First, personal pension. In December 2021, the "Opinions on Promoting the Development of Individual Pensions" was released, and it was determined to develop the much-anticipated personal pensions! Expert Dong Dengxin said that personal pensions can be included in the asset allocation of family financial management for long-term accumulation. Personal pension will adhere to the principle of personal voluntary, market-oriented operation, some economically rich elderly people, can choose to allocate personal pensions, increase their treatment after retirement. At the same time, personal pensions have the endorsement of the state, and adhering to market-oriented operations can make up for the needs of some people who voluntarily increase pension allocation. Many people believe that the possibility of the implementation of the personal pension system this year is high.
Second, delay retirement. According to the 14th Five-Year Plan of the Ministry of Human Resources and Social Security, delayed retirement will come before the end of 2025. Jiangsu has been speeding up, starting from March 2022, after individual voluntary application, unit approval, you can apply to postpone the retirement age, at least one year of retirement. Some experts predict that by 2050, the mainland's dependency ratio will reach 1.03, that is, a labor force to support an elderly person, with the deepening of the aging of the population, 2022 delayed retirement will have new progress, delayed retirement age means that the extension of the pension payment time and the reduction of the calculation base, the treatment after retirement will increase.
Third, the national overall planning of endowment insurance.
In 2022, it is determined to carry out the national overall planning of pension insurance. According to the 14th Five-Year Plan of the Ministry of Human Resources and Social Security, the pension insurance is coordinated nationwide, including the unification of policies such as treatment adjustment. After the realization of national overall planning of pension insurance, the full payment of pensions is more secure, which can reduce the pressure on social security fund payment in provinces with a large number of retirees, and at the same time, the insurance payment is more fair.
Some retired elderly people say that they have been retired for several years and do not enjoy the impact of the delayed retirement policy. I also do not have excess funds to pay personal pensions, and the provinces have not carried out national overall planning of pension insurance, if these 3 reforms are implemented in 2022, what should I do? In fact, for the elderly who have retired, don't worry, many good things will come, and these 4 benefits will be raised in 2022.
1. Basic pension for urban and rural residents.
The Ministry of Human Resources and Social Security proposed that in the next 5 years of planning, it is necessary to gradually increase the basic pension treatment of urban and rural residents. Compared with enterprise employees, the number of urban and rural residents pension insurance adjustment is small, the current national urban and rural residents' basic pension is 93 yuan, increasing the basic pension of urban and rural residents can make farmers have better old-age security, from January 2022, Changsha will increase the city's basic pension by 10 yuan to 238 yuan. It should be noted that in order to improve the pension treatment of urban and rural residents, it is necessary to pay the current year's fee in time to enjoy the subsidy. In some areas, a basic pension is increased for those who have contributed for a long time. For example, in Wuhan, if the cumulative payment period of urban residential insurance reaches 15 years, each full year will be issued with two yuan per month, in addition, the insured personnel of urban and rural residents in Wuhan can also enjoy funeral subsidies, which are issued according to the basic pension of 13 months.
2. The pension of enterprise employees has risen
At present, many media such as China Economic Times and Huaxia Times have concluded that it is a high-probability event for pensions to achieve 18 consecutive increases in 2022. In 2021, the national pension fund revenue increased by 36% year-on-year. The rise in prices and the increase in wages per capita are also obvious to all. Affected by the slowdown in economic growth in 2021, the pension increase is 4.5%, and it is not difficult for the pension to maintain its rise in 2022 with the recovery of the economy. According to the convention, after the release of this year's pension adjustment notice, enterprise retirees who receive monthly pension benefits before the end of 2021 can enjoy the increase and re-issuance of pensions. In addition to the adjustment of the quota, it will also take oblique care of the elderly, such as the 2021 Shanghai plan, which clearly states that women over the age of 60 and men over the age of 65 will be paid an additional 20 yuan per month.
3. Old age allowance
Many areas give preferential care to the elderly, such as Jiangsu to issue centenarians with a monthly pension of not less than 300 yuan. Hefei has raised the old-age allowance standard since December 2021, and the elderly between the ages of 80 and 89 will be paid 100 yuan per month, and those aged 90 to 99 and over 100 years old will be paid 200 yuan and 500 yuan per month respectively. Among them, the allowance standard for centenarians has increased by 200 yuan compared with before.
On February 18, 2022, the Wanlan District of Wuhu City issued the old age allowance standard, and the elderly over the age of 80 have the opportunity to receive it, and the subsidy standard ranges from 600 yuan per year to 3600 yuan per year. The physical fitness of elderly retirees decreases, the number of medical visits will increase, and the payment of old age allowance can reduce their living burden.
4. The standard of funeral expenses has been raised
After the death of a retired employee of an enterprise, the family members can receive three sums of money, namely the pension balance, the funeral allowance and the pension, and the funeral expenses are linked to the monthly per capita disposable income of urban residents in the province in the previous year, calculated according to twice the per capita monthly disposable income of the previous year. If the enterprise retiree dies in 2022, the funeral expenses will be calculated according to the per capita disposable income of the city in 2021. With the release of data from the Bureau of Statistics, the funeral expenses in 31 provinces have increased compared with before, and the funeral expenses of Shanghai, Beijing and Zhejiang have increased by 998 yuan, 986 yuan and 965 yuan respectively. Most provinces will spend between 6,000 and 8,000 yuan in 2022.
The pension also refers to the per capita disposable income of urban residents in the previous year, and is paid for at least 9 months, with a ceiling of 24 months. Taking Jiangsu Province as an example, if the monthly per capita disposable income of urban residents in 2021 is 4812 yuan, the pension will be between 43308 yuan and 115488 yuan.
After the above four benefits have been improved, the old age of retirees has become more secure.