On June 17, 2024, the Ministry of Human Resources and Social Security and the Ministry of Finance issued the Notice on Adjusting the Basic Pension for Retirees in 2024. In the overall environment of the economic recession, the state still has to raise the pension for retirees, which is a substantial measure made by the state in caring for the elderly, and the level of civilization of a country is mainly reflected in the level of care for the elderly. Undoubtedly, raising the pension of retirees is a fundamental factor in caring for the elderly, and it also fully demonstrates the superiority of a socialist country.
As of this year, the pension of retirees has achieved 20 consecutive increases, and the average pension increase this year is determined to be 3%. So many elderly people may be concerned about the average 3% increase, how to adjust it, how to adjust it, who to adjust more, who to adjust less, from which month to adjust, and when it can be distributed. Next, I will give you a detailed explanation of the elderly friends one by one according to the spirit of the document. Please take a few minutes to understand the elderly friends, and you can basically judge how much pension you can raise.
First, let's talk about who to tune it to. The document stipulates that all retirees who have gone through the retirement procedures in accordance with the regulations and receive a basic pension on a monthly basis before December 31, 2023 are included in this adjustment. That is to say, those who go through the retirement procedures on and after January 1, 2024 are not included in the adjustment, but because the retirees after January 1, 2024 are still issued according to the calculation base in 2023, after the introduction of the pension calculation base in 2024, the months that have been paid before the introduction will be repaid according to the experience of previous years, which is also the reason why retirees after January 1, 2024 are not included in the adjustment.
Second, let's talk about how much to adjust. The document stipulates that the average adjustment range of the national per capita pension is 3%, and also stipulates that all provinces in the country should use this ratio as the upper limit to determine the adjustment ratio of the province. It is not difficult for us to see that this is the highest adjustment ratio given by the central government, and the specific increase is still up to the provinces to make specific rules. It should be reminded that according to the spirit of the document, it is reasonable that your province may have an increase in the average pension of less than 3%. This depends on the economic development of your province, the balance of your pension fund and a number of other factors.
Why is there a high limit? Xiaobian believes that the first is the country's proposition is not to engage in egalitarianism, if all provinces in the country determine that the same 3% unchanged, it will inevitably affect the enthusiasm of economically developed provinces, in order to stimulate people's creativity; The second is to try to narrow the gap, if not set the ceiling, because the economic development of our country's provinces is very uneven, it will make the pension level between the provinces too large; Third, according to the National Bureau of Statistics, the price increase in 2023 will be only 0.2%, that is, there will be basically no increase, so the pension can be raised by up to 3%, which already shows that the country is very friendly to our elderly.
Third, let's talk about how to tune it. The document stipulates that the method of combining quota adjustment, peg adjustment and appropriate tilt shall be adopted. In layman's terms, quota adjustment refers to all local retirees, whether you are a civil servant, an employee of an enterprise or an institution or a flexible employee; It doesn't matter if you pay for 15 years or 40 years; Regardless of whether you contribute on the minimum contribution base or on a 300 per cent base, the increase is exactly the same for all retirees. For example, in 2023, the quota of a certain place will be adjusted to 50 yuan/person.
On the one hand, the fixed adjustment reflects the basic principle of social fairness, and on the other hand, it is also a kind of humanistic care for the lower pension groups. It is also a manifestation of mutual assistance in our socialist family, just like the year-end benefits of an enterprise, whether you are a senior leader or a grassroots employee of the enterprise, the year-end food benefits you get are generally the same.
If it is only a fixed amount adjustment, we have found another unfairness, people pay for 40 years and you pay for 15 years The adjustment range is the same, obviously this is a new unfairness, and it will also directly affect the motivation of young people to pay long-term and overpay pension insurance, which will inevitably affect the sustainable and healthy development of the national pension insurance system. Therefore, it must also be adjusted in conjunction with the peg.
What does peg adjustment mean? The linkage adjustment is divided into two aspects, on the one hand, it is based on the amount of your current pension as a certain percentage increase, and on the other hand, it is based on the number of years you have paid as the basis for the adjustment, and then the two are added together to get your amount of the linkage adjustment.
For example, the amount of pension that Lao Zhang will receive in 2023 is 5,000 yuan, and if the proportion of the province's adjustment is set at 1%, then the adjustment amount of Lao Zhang's base linkage will be 5,000 yuan X 1% = 50 yuan; In the past, Lao Zhang paid a total of 40 years of pension insurance, and the province set a pension of 1.0 yuan for retirees to pay each year, so the linked adjustment amount of Lao Zhang's payment years is 40X1.0 yuan = 40 yuan. The sum of the two is $90. If you add the quota adjustment set by Lao Zhang's province to 40 yuan, then the total amount of Lao Zhang's adjustment this year is 130 yuan added to the three. Lao Zhang's total proportion increase is 130 yuan/5000 = 2.6%.
The other person, Lao Li, is in the same province as Lao Zhang above. The amount of pension received in 2023 is 2,000 yuan, so the adjustment amount linked to Lao Li's base is 2,000 yuan X 1% = 20 yuan; In the past, Lao Li paid a total of 15 years of pension insurance, and the province set a pension of 1.0 yuan for retirees to pay each year, so the linked adjustment amount of Lao Li's payment years is 15X1.0 yuan = 15 yuan. The sum of the two is 35 yuan. Coupled with the 40 yuan of quota adjustment, then Lao Li's total adjustment amount this year is 75 yuan.
In this way, the gap between Lao Li and Lao Zhang's pension will become wider and wider, and this gap fully shows the principle of overpayment and long-term payment. It can also motivate young people to pay more and pay longer. Of course, because there is such a big gap between people, we have worked hard when we were young, and in the end we can only pay for 15 years, so there is nothing to regret, we are content and happy. However, if the total proportion is concerned, Lao Li's adjustment ratio is 75/2000 = 3.75%, which is higher than Lao Zhang's upward adjustment ratio. There is nothing less to be dissatisfied with.
There is also a principle of adjustment that is the principle of appropriate inclination. The appropriate tilt here mainly includes two types of people, the first type of people is the elderly retirees, according to the experience of previous years, the general province will set 70 years old, 80 years old, 90 years old and other old age tilt age groups; The second group of people are retirees in difficult and remote areas, such as Xinjiang and Tibet.
Fourth, when the adjustment is in place. This is also a matter of concern to retirees, the document mentions: all localities should be carefully organized, carry out publicity steadily, combined with local conditions, formulate specific implementation plans, and implement the adjustment and increase in time and in full. The document does not give a specific time, the reason is that the situation is different in different places, and the country cannot give a timetable, but it gives "timely and full payment". When it will be in place depends on the specific implementation situation in your province.
The above list is only if, and the specific amount should be subject to the adjustment implementation plan announced by each locality and the adjustment amount in light of their own actual conditions. If you still have questions or different opinions, please leave a message in the comment area!
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