For the majority of retirees, the annual pension adjustment will undoubtedly make them look forward to a warm surprise.
Loading...
So, what changes will this year's adjustment plan bring to different age groups of corporate retirees?
We'll see.
1. Policy combing
On March 20, the Ministry of Human Resources and Social Security and the Ministry of Finance jointly issued a notice that the monthly basic pension of retirees will increase by 3% in 2024.
Although this increase is slightly lower than last year, it still reflects the care and kindness of the party and the state for the elderly.
As in previous years, this adjustment will continue to adopt a three-pronged approach: quota adjustment, peg adjustment and tilt adjustment.
Among them, the quota adjustment is a uniform increase in the amount implemented for all retirees;
The linked adjustment determines the amount of differential increase according to the individual's length of service and the economic situation of the location;
The tilt adjustment is mainly for special groups such as the elderly and low income.
2. Case analysis
To get back to the point, can corporate retirees born in 1954-1959 "increase their income" this year? Let's analyze it through specific cases.
1. Uncle Zhang, a retiree of the enterprise, born in 1957, has a monthly pension of 3,000 yuan and 35 years of service.
If calculated according to the adjustment plan of Shandong Province last year, Uncle Zhang belongs to the elderly group who has just reached the age of 70 and can get the old age tilt adjustment.
His increase amounted to:
Quota adjustment of 35 yuan + length of service adjustment (35 * 1.1) 38.5 yuan + linked adjustment (3000 * 1.5%) 45 yuan + old age tilt adjustment 360 yuan = 478.5 yuan
2. Aunt Li, a retiree of the enterprise, was born in 1956, with a monthly pension of 2,500 yuan and 30 years of service.
If it is adjusted in Beijing, Aunt Li belongs to the elderly group of 65-69 years old, and she can also get the old age tilt adjustment.
Her increase was:
Quota adjustment of 56 yuan + length of service adjustment (30 * 2.4) 72 yuan + linked adjustment (2500 * 2%) 50 yuan + old age tilt adjustment 30 yuan = 208 yuan
3. Uncle Wang, a retiree of the enterprise, was born in 1954, with a monthly pension of 4,000 yuan and 40 years of service, retired in Chongqing.
In Chongqing's adjustment plan last year, it did not give an elderly preference to people aged 65-69.
Therefore, the amount of increase for Uncle Wang is:
Quota adjustment of 35 yuan + length of service adjustment (40 * 1.5) 60 yuan + linked adjustment (4000 * 1.3%) 52 yuan = 147 yuan
3. Difference analysis
From the above cases, it can be seen that in this year's pension adjustment, whether the retirees of enterprises born in 1954-1959 can increase an extra amount depends on the following factors:
1. Whether you are in the elderly group
Most provinces and cities use 70 years old as the age cut-off for the adjustment of the old age tilt, and a few regions (such as Beijing) will include 65-69 years old.
Only those who belong to the local elderly group can get the additional amount of additional issuance for the elderly.
2. Specific criteria for the tilt of the elderly
There are differences in the criteria for additional issuance in the elderly population in different regions.
For example, Shandong gives an old-age allowance of 360 yuan, while Beijing only gives 30 yuan.
The higher the standard, the more the additional amount will be issued.
3. The length of employment and the level of pension
According to the adjustment plan, the longer the length of service and the higher the pension base, the greater the additional amount of the linked adjustment part.
4. The economic development of the region
There will be differences between first-tier cities and economically underdeveloped areas in terms of adjustment policies, involving two parts: quota adjustment and linkage adjustment.
Therefore, if the enterprise retirees born in 1954-1959 are in economically developed areas, have a long personal working experience and a high pension level, and happen to belong to the local elderly population, then the increase will naturally be more considerable.
Fourth, the scene of life
Of course, it is obviously not enough to just look at the amount of increase, we need to pay more attention to the overall standard of living of retirees.
"The pension is like a bundle of life-saving straw, and it is as light as cotton wool, for fear that if you are not careful, there will be little left." An old man sighed.
Indeed, in an inflationary environment, the real purchasing power of pensions is continuing to decline.
Fortunately, some places have introduced different subsidy measures to help the elderly.
Beijing, for example, has issued a temporary price subsidy of up to 545 yuan per month to low-income seniors this year.
Shanghai has creatively launched the "small luck" policy, giving a living allowance of about 800 yuan to the elderly in extreme poverty once a quarter.
Of course, we should also note that there is still a big gap in subsidy policies in different regions.
In some economically underdeveloped areas, the living allowance is obviously insufficient, and the living conditions of many elderly people in rural areas are even more worrisome.
Only by further improving the old-age security system, improving the national unified level, and eliminating the gap between urban and rural areas can we truly support a solid "protective umbrella" for the elderly.
Fifth, humorous scenes
The life of the elderly is inseparable from the care of their families, so I will tell you a little story.
Chen and Wang, both retired workers, often walk around the park and chat.
One day, Lao Wang danced and said: "I heard that the government is going to increase the pension this year, haha, we can eat and drink a lot in the future and live a good life!"
Lao Chen said calmly: "Of course, it is great news that there is such a good thing, but don't be too optimistic, the pension adjustment amount is really as much as you said?" I'm afraid it's not enough to buy a bottle of Erguotou. "
Lao Wang was stunned for a moment, and waved his hand again and again: "Ouch, you are too modest, you just can't go up much, we should be happy, anyway, it's not in vain."
"You have a point," Lao Chen echoed with a smile, "My old waist bone, even if it is a few more dollars, it is useless...... Hey, why don't you go buy some food for your wife tomorrow and treat it well!"
The two looked at each other and smiled, and immediately looked at each other, greeted the warm spring sunshine, and went home together.
[I have to say]
Pension adjustment is related to the basic life of hundreds of millions of retirees and is a major livelihood project.
In this process, it embodies the concept of fairness and justice of the country, and also highlights the complexity of institutional design.
First of all, this year's adjustment plan continues to adhere to the fair concept of "input-based" according to the length of service and pension level, ensuring that there is income for labor and more for paying.
At the same time, the implementation of tilt adjustment for special groups such as the elderly and low income reflects the care for vulnerable groups.
From this point of view, adjusting policies is undoubtedly a useful practice of social equity.
Second, the adjustment mechanism is also extremely challenging at the operational level.
The specific increase of each retiree depends not only on the individual's length of service and pension level, but also on multiple factors such as the economic situation of the region and the proportion of the elderly population.
When different places introduce specific plans, they need to weigh and balance according to the actual situation, and constantly optimize and improve.
Moreover, pension adjustments are closely related to fiscal sustainability.
In the face of the severe situation of the aging population, every penny adjustment needs to be thought twice.
The mainland has ensured the financial affordability of the adjustment policy by allocating funds from the central government and other means, providing comprehensive guarantees at both the central and local levels.
It can be said that to continue to promote the reasonable adjustment of pensions, it is not only necessary to take into account fairness and sustainability, but also to improve the policy system and enhance the scientificity, accuracy and operability of the adjustment mechanism.
In the future, with the establishment and improvement of the third pillar of the personal pension system, the mainland's old-age security system will be more complete, supporting a solid "protective umbrella" for hundreds of millions of elderly people.
Let us hope that under the strong leadership of the party and the government, and through the joint efforts of all sectors of society, one day, the elderly will be able to truly "join hands with gray hair and enjoy their old age in peace".