The pension adjustment plan for 2024 will be announced, and retirees are most concerned about not only the adjustment ratio, but also the pension adjustment method.
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The pension adjustment is not a direct multiplication of the increase
As the time enters 5 Yue, the time for the announcement of the pension adjustment plan in 2024 is getting closer and closer, and according to the past practice, the possibility of announcing the pension adjustment notice before the end of May is very high. Because last year, the year before last, it was announced before the end of May.
For retirees in the 2023 year, who did not participate in the pension adjustment last year, this year will be the first time to participate in the pension adjustment. Many people are concerned about the specific adjustment of pensions and want to know how to calculate the amount of their pension increases.
However, there are many people in the past who have such a misunderstanding that as long as the increase in the pension is determined, then as long as the pension is directly multiplied by the increase, the pension can be increased.
For example, if the pension rises by 4% and the pension of the retired elderly is 5,000 yuan per month, it is an increase of 5,000×4% = 200 yuan.
In fact, such an algorithm is very wrong!
Because the increase determined in the upcoming pension adjustment notice is the average pension increase, this does not mean that the pension increase of every retiree is the same, because everyone's situation is different, so the increase will naturally be different.
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Algorithm of the amount of pension increases
According to industry insiders' predictions, this year's pension increase amount algorithm or continue to take the same way in the past, that is, a combination of fixed adjustment, linked adjustment and tilt adjustment.
(1) Quota adjustment: It refers to the same amount of increase for retirees in the same province without discrimination, which is a step to reflect fairness. Due to the different adjustment plans of different provinces, the quota adjustment amount of different provinces is also high and low.
(2) Linked adjustment: It is mainly linked to the retiree's personal insurance payment period and the pension level before the adjustment, and the pension level will vary greatly between the working years of different retirees. It mainly reflects the incentive mechanism of overpayment and long-term payment; Because the level of pension is high, retirees who have been paying for a long time will rise even more.
3. Tilt adjustment: There are two main types of people who can appropriately increase their pensions, the first is the elderly retirees, and the second is the retirees in difficult and remote areas. In other words, the special care of the state for these two groups of people is reflected through appropriate tilting.
Here's an example:
The pension of retirees in a province is 2000 yuan, the payment period is 20 years, 63 years old this year, the provincial pension adjustment plan is a fixed adjustment of 30 yuan, the length of service linked adjustment increases by 1.2 yuan per full year, and the pension increases by 1.2%, he does not belong to the elderly retirees and is not a difficult and remote area, so only the quota adjustment and linked adjustment, can rise by 30 yuan + 20×1.2 + 2000×1.2% = 78 yuan.
Regarding the amount of pension increases, will you calculate?
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