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The latest news, pensions are going to rise again, although the increase is not as good as the previous two years, but under today's economic situation and pressure, it is good news to be able to rise! What's going on with this 3% increase? Who can enjoy it? If you retire, how much money will you get each month? Let's take a look.
This year's pension will be raised by 3%!
In anticipation, this year's pension adjustment plan has finally been released, and the pension increase that the majority of retirees are concerned about has also been officially finalized.
This year's pension adjustment rate is 3%, which is slightly lower than the previous two years.
In fact, after experiencing the complex economic situation and the impact of the epidemic, it is quite lucky to be able to achieve 20 consecutive increases. After all, in the face of the global economic downturn and the pressure on national finances, it is already rare to be able to achieve this growth.
In 2023, the mainland's GDP growth, average wage growth and price level will all increase compared with the previous year, which provides a solid economic foundation for the moderate adjustment of pensions.
However, in the face of a growing ageing population and pressure on pension funds to pay, policymakers have adopted a more cautious strategy to ensure the long-term health and sustainability of the pension system.
In general, this increase is based on a combination of factors, including average wage growth, price trends and overall economic development, to ensure its reasonableness and feasibility.
In addition, it should be noted that the overall increase of 3% does not mean that the pension of every retiree will be increased by 3%, and the specific increase will vary from person to person and depend on the actual situation of the individual.
So let's start by talking about who will benefit from this adjustment?
According to the 2024 adjustment package, the pension increase is mainly available to those who have retired and received a basic pension before December 31, 2023.
The pension is a retroactive pension for eligible retirees from January 1, 2024. It is worth noting that those who will retire in 2024 are not included in the scope of this adjustment, which requires special attention from retirees.
This year's pension adjustment method will continue to follow the model of a combination of fixed adjustment, linked adjustment and inclined adjustment.
The fixed adjustment means that in the same area, all kinds of retirees are raised according to the same amount, which ensures the consistency of the pension growth of all kinds of retirees in the same area, and reflects the fairness of the pension system.
The linked adjustment is based on the individual's payment period and pension level to determine the amount of growth, this mechanism encourages the behavior of paying more and paying for a long time while on the job, reflecting the positive incentive of "paying more and getting more" and "paying more for a long time".
The tilt adjustment is aimed at providing more thoughtful care for elderly retirees and retirees in hardship and remote areas, by providing additional pension increases, in the hope of alleviating the pressure they face in life.
After 30 years of service, how much does the pension rise of 3000?
So what kind of increase is it for individuals? A specific case is used to illustrate the calculation method of pension adjustment.
Suppose a retiree has been employed for 30 years and currently receives a monthly pension of 3,000 yuan. According to the adjustment plan of a region, we can make the following calculations:
The first is the quota adjustment, which is a fixed amount that is increased uniformly for all retirees, such as 50 yuan.
The second is the seniority-linked adjustment, according to the retiree's length of service, a certain amount is increased every full year, such as 3 yuan per year, then a retiree with 30 years of service will increase by 90 yuan.
Then according to the pension linked adjustment, this according to the current pension level of retirees, according to a certain proportion of increase, such as pension 3000 yuan, the adjustment ratio is 1.5%, then increase 45 yuan.
Finally, if a retiree meets the conditions of advanced age or hardship and remote areas, his pension may have an additional increase, such as 40 yuan for the old age and 5 yuan for hardship and remote areas.
Through the above items, if the retiree is only an ordinary retiree, then the total amount of pension increase he enjoys is 50 + 90 + 45 = 185; if the retiree enjoys the old age tilt policy, then the total amount of his pension increase is 50 + 90 + 45 + 40 = 225 yuan; If this elderly retiree still enjoys the preferential policy for hardship and remote areas, then his pension increase is 50 + 90 + 45 + 40 + 5 = 230 yuan.
That is to say, if it is an ordinary retiree, there is no need to consider the tilt adjustment, and if the tilt adjustment policy meets one condition, an adjustment amount will be added up.
Of course, this is just an example, and the specific amount of increase still needs to be determined according to the specific adjustment plan of the region.
It can be said that through such an adjustment mechanism, the growth of pensions not only takes into account the general increase in demand, but also takes into account the special situation of special groups. This differentiated treatment not only improves the fairness and adaptability of the pension system, but also helps to improve the quality of life of retirees and promote social harmony and stability.
As governments around the world continue to release specific adjustment rules, retirees will be able to get a more accurate picture of how their pensions will grow.
The adjustment of pension is an important part of the social security system In the future, with the continuous development of the mainland economy and the continuous improvement of the social security system, we have reason to believe that the adjustment of pension will be more scientific and reasonable, better meet the needs of retirees, and provide them with stable and reliable living security.
Information sources:
"2024 Basic Pension for Retirees, Raised by 3%" Xinhuanet