As of July 2, all 31 regions of the country have issued pension adjustment notices, and retirees will receive pensions in July according to the adjusted standards and can get a one-time difference for the first six months of this year.
Previously, the notice of the Ministry of Human Resources and Social Security showed that the pension increase rate in 2024 will be 3%, with reference to the local adjustment rules, is your pension increase reaching 3%? Many people said that this proportion was not reached.
Take my mother as an example, who is based in Shanghai, originally received a pension of about 4,930 yuan per month, and the cumulative payment period was 28 years, and she was less than 70 years old.
The specific rules for the adjustment of Shanghai's pension in 2024 are as follows:
(1) The quota will be increased by 61 yuan;
(2) One year of service plus 1 yuan;
(3) the pension base originally received each month increased by 1%;
(4) Those who are 70 years old, 75 years old and over 80 years old will be added 25 yuan, 35 yuan and 45 yuan respectively.
According to the above adjustment plan, my mother's pension increase per month in 2024 is 138.3 yuan, an increase of 2.81%, which is indeed not 3%. I believe that many people are the same, why is that? Let me explain it to you.
First, the notice of the Ministry of Human Resources and Social Security mentioned that the per capita increase rate this year is 3%, and each province will determine the adjustment ratio and level of its own province based on the national adjustment ratio.
What does that mean? It refers to the average increase in the proportion of local retirees calculated by the pension plan announced in each region cannot exceed 3% at most, that is to say, the average is 3%, not every retiree is 3%, some people are higher than 3%, and some people are less than 3%, so specific to individuals, less than 3% does not violate the policy of the Ministry of Human Resources and Social Security.
Second, it is difficult for retirees who do not enjoy the increase in the old age tilt to exceed 3%.
Pension adjustment is usually divided into three parts, the fixed amount of increase, linked adjustment increase is all retirees can enjoy, there is no threshold, and the old age tilt increase is different, to meet the age requirements. In the 31 regions of the country, except for women in Zhejiang and retirees in Beijing, they can get an advanced age tilt when they reach the age of 65, and the additional ones must be over 70 years old.
Or look at my mother's example, she did not reach the age of 70 from January to December 2023, and could not enjoy the increase in the old age tilt, if she reached the age of 70, she could add another 25 yuan (Shanghai's first level of the old age tilt increase standard), and the monthly increase became 163.3 yuan, an increase of 3.31% compared with the pension of 4930 yuan, which not only reached but also exceeded 3%.
In fact, the increase in the old age tilt in each regional plan is divided into multiple grades according to different ages, and the older the age, the more money is added to this part, and the overall increase will naturally rise, and it is not difficult to adjust the proportion of more than 3%.
Conversely, it is not easy to increase the rate of more than 3 per cent at an age that does not meet the criteria for the enjoyment of the local advanced age tilt rate, unless the requirements mentioned in the first ask are met.
Third, those with lower pension incomes increased by more than 3%.
The pension adjustment implies the principle of "raising the low and controlling the high", which is not reflected in the fact that the high pension income adds less and the low pension income adds more, but the difference in the growth ratio.
Continuing to take the Shanghai pension adjustment plan as an example, a Shanghai retiree with a monthly income of 3,000 yuan and a cumulative payment period of 20 years can get an increase of 111 yuan in this year's pension adjustment, an increase of 3.7%; If he is 70 years old, he can increase by a total of 136 yuan after counting the 25 yuan increase in old age, an increase of 4.53%.
The reason why it has increased so much is because the 3,000 yuan pension in Shanghai is a low level, far lower than the average pension of about 5,000 yuan.
Of course, the monthly income of 3,000 yuan pension in many areas is not small, so retirees in other regions may not be able to rise by more than 3%, such as the Henan program can only rise by 78.7 yuan per month, the increase rate is 2.62%, and only after obtaining the increase in the old age tilt can the increase rate exceed 3%.
It can be seen that only if the pension income is lower than the local average, pay attention to the local, not the country, and not the economically developed areas, the increase rate is more likely to exceed 3%. Generally speaking, the growth rate of pensions less than 2,500 yuan or 2,000 yuan is more than 3% or even 4%.
To sum up, whether the pension increase calculated according to the plan announced in your area is higher than 3% depends on two factors, one is whether the age exceeds the minimum standard for obtaining the increase in the old age tilt; The second is what kind of level of pension is in the local area.
In fact, it is not all bad for most retirees who do not increase by 3%, at least it proves that your pension is relatively high in the local area, and the more you deviate from 3%, the more local retirees will get more.