Edit: Strawberry Bunny
Preface:
People eat whole grains, and people living in society are inseparable from work, no matter what their status.
In the day-to-day work, in addition to the salary level, when to retire and how to pay the retirement pension have also become the most concerned things.
The source comes from the Chinese National People's Congress website: the decision of the Standing Committee of the National People's Congress on the implementation of a gradual extension of the statutory retirement age
In September this year, the 11 th session of the new National People's Congress passed a decision to postpone the statutory retirement age, which revised the previous retirement age and postponed the retirement age for men and women by three years.
For those who love to work "idle", this decision of the state is poking at their minds.
For those who are eager to go home and enjoy the joy of family, they can't help but sigh that retirement is a long way to go.
Deferred retirement gradually:
In fact, you don't have to panic, the premise of delaying retirement is "flexible" and "voluntary", not a rigid instantaneous change, in order to adapt to the workers who are about to retire, the state will postpone the statutory retirement age by one month every four months, step by step to know that the delay to the specified age.
The retirement age is postponed, and the pension contribution will naturally increase. From January 1, 30, the payment period of the basic pension for mainland employees has been gradually increased from 15 years to 20 years in the mode of increasing the average period by 6 months per year.
Some people are happy and some are worried, and people with different employment statuses have different directions of thinking in the face of the revised policy.
The impact of the employees of the unit is not large:
The principle of voluntariness is linked to the minimum payment time of pension insurance.
Generally, the employees of formal enterprises or units are paid on time with their wages, and reaching the minimum number of years of pension insurance is not a big problem for this part of the group.
Therefore, even if the retirement period is extended, they can directly apply for retirement from the above when they reach the original statutory retirement age, and whether to retire or not is really an open choice question.
I feel that I have nothing to do when I retire, because the change in retirement policy can give me the opportunity to shine in my job again.
The source comes from The Paper: Delayed retirement will be implemented from next year: how to achieve flexibility and voluntariness, what is the impact on employment, and how to protect basic rights and interests
With the lack of change in the number of regular civil servants, what will happen to the other large working group in society---- flexible workers?
What is the impact on flexible workers?
Compared with the employees of the company who jointly pay the pension insurance on time and in the amount of the unit, the flexible employee needs to be fully responsible for all social guarantees, and the contribution ratio and payment amount are completely different.
The general tax rate for individuals who participate in the insurance is 20%, and they need to choose different proportions of the average social wage, which varies from 60% to 300% during the period, all depending on personal preference.
Since there is no unit to share the burden, the extension of the minimum pension payment requirement may increase the financial pressure of some flexible workers, but similarly, people with a high proportion of contributions will live happier in their later years.
The state's decision to postpone the retirement age is not arbitrary, but is also based on the current social situation, and is deliberate and repeatedly adjusted.
Postponing the retirement age has its necessity:
First of all, more and more elderly people are appearing in society, and the proportion of elderly people in the whole society is increasing.
With the rapid development of the economy, people's requirements for health are also increasing, and the power of social medical care provides a guarantee for the development of longevity in the mainland.
According to big data, the hope that the average life expectancy in the mainland will exceed 80 years is likely to be realized before 30 years. Longer life expectancy is faced with the emergence of more and more elderly people, and how to reasonably place these long-lived elderly people has become something that the whole society has to think about.
Relying only on individual family support is an extremely heavy burden for every young and middle-aged labor force who needs to work, and if all of them are supported by society, the social pension system under the rapid development of the mainland is not enough to support it.
With careful consideration, extending the retirement age will be a joy for all in the long run.
Second, the social fertility rate is declining, and the shortage of young and strong labor must be considered.
The country is gradually becoming rich and powerful, people's ideological concepts are also gradually changing, and the mainland's fertility system has also changed from having fewer children and giving birth to encouraging them.
With the passage of time, the increase in the number of elderly people is an inevitable trend, but the reserve labor force cannot keep up, and all walks of life on the mainland will inevitably have various gaps due to the lack of employment.
In order to maintain the normal and steady functioning of society and provide a buffer time for the replenishment of the labor force, postponing the retirement age is a fairly cost-effective decision in any case.
Third, the education level is improved, and the postponement of retirement can give full play to the labor resources.
Since the reform and opening up, the mainland has also paid more and more attention to education, and the result of the extension of education time is that the time for the labor force to enter the society has become more and more backward.
Under normal circumstances, ordinary people graduate from college at the age of 22 when they follow the step-by-step situation; If you want to improve your education to a master's degree, you have to be almost 25 years old; If you don't skip a grade, you will have to be 30 years old if you want to get a doctorate.
In this era of more and more employment, if you want to get a good job and enter a good unit, you have to improve your learning experience step by step.
Then, if you retire according to the previous time, it will be a bit of a waste of these people who are trying to improve themselves.
The source comes from People's Daily Online: Delayed retirement is approaching, and behind these four major trends
There are also a number of benefits to postponing the retirement age:
From the national level, delaying retirement and increasing the minimum pension period are conducive to the security of the old people's old age.
Instead of relying on the support of their children and taking the initiative to ask for money, it is better to wait for the issuance of the national pension insurance, and rely on the money earned by their hard work when they were young, and there is no worry about using it.
Secondly, more and more long-lived elderly people who retire and have nothing to do at home appear, and the crime rate of the elderly will increase accordingly, and delaying the retirement period will also have certain benefits for controlling the crime rate in society.
From the perspective of national development trends, a country is becoming more and more developed, and the adjustment of the retirement age is also something that has to be faced.
The situation in Japan is very typical in Asian countries, in contrast, Japan's aging population is more serious than China's, and in order to maintain the entire country's pension system, it is very common for Japan elderly people to come out to work.
The same is true for some developed countries in Western Europe, where the fertility rate is declining and the aging population is increasing, and the delay in the retirement age is something that every country has to face.
From a personal point of view, it is not a good thing for the elderly who want to support themselves with a choice, who can support themselves, have economic strength, and have a lot of status and voice in the family.
At the same time, struggling in units, enterprises or individual positions can also solve the psychological situation of loneliness in the elderly to a large extent.
Epilogue:
Whether it is a unit employee or a flexible employment person, in the long run, this policy of the state is more beneficial than disadvantageous, for this policy of the country, I don't know what you think?