A sudden news shook the group of retired seniors: hold on to your savings!From next year, retirement life will face a sea change. Industry insiders remind that the elderly need to plan carefully to avoid falling into the pit of the new policy. Don't take it lightly, let's uncover the top three changes in the next year to make your retirement even happier.
Pension Claim: A Sneak Peek
As the New Year bell rings, retirees will face a sea change in the pension system. Don't rush to count your passbooks, listen to me one by one. First, the retirement age will be raised by one year every two years to 65, meaning that those who originally planned to retire early may have to re-plan. If you miss the retirement age, you will be deducted a lot of money.
The elderly who have not received a pension should pay attention!If you want to find a gold basin as soon as possible, you must either delay receiving it later, or feel distressed when you are ready to receive it, because for every year you postpone it, you will get an extra pension of 4%, and it can rise by up to 20%. Remember, time is money.
And the way pensions are calculated has also been turned upside down, so stop using the old way of calculating them. In the new calculation formula, the weight of individual contribution years and average monthly wages has increased, which means that you need to plan for your future life in advance, and you need to be flexible.
Don't think that your boss will give you a pension generously, there are also big changes in the way you pay them. In the past, the 15-year amount was issued first, and then the balance was issued on a monthly basis, but in the future, the strategy can be changed, and the 10-year amount will be issued first, and then the balance will be paid on a monthly basis. At first glance, you may not feel it, but once you settle the account, the initial amount you can receive will be greatly reduced, but don't worry, the monthly amount will increase slightly.
Medical insurance payment: beware of pits].
Retirees also have to beware of health insurance traps. There are also new adjustments to the medical insurance policy, which does not mean that you can enjoy the benefits if you stay well. The medical insurance payment base will be linked to the income of residents, and the income is high, and the payment base will also rise, so don't think about picking up cheap.
However, there is also good news, the scope of medical insurance can be larger. Starting next year, traditional Chinese medicine, integrated Chinese and Western medicine, ethnic medicine, ** medical and nursing services can be reimbursed. Don't worry about being deprived of benefits by seeing a TCM practitioner, the choices will be more diverse in the future, and the medical choices of the elderly will be freer.
More importantly, the level of medical insurance benefits will also be improved. Starting next year, the level of medical insurance benefits will be adjusted according to the medical insurance** and the price level to ensure that the elderly can get stronger support in times of economic turmoil. The elderly, don't take it lightly, pay attention to the policy in advance, and make full use of medical resources.
Tax incentives: Don't be left behind
Taxation is a major economic pressure for the elderly, but the new year will usher in a sea change in tax policy. The tax incentives that will be implemented in 2024 give retirees a chance of relief.
First of all, the way of filing individual income tax will change dramatically. It is no longer a monthly worry, starting in 2024, the individual income tax declaration will be consolidated into one annual declaration, so that you will no longer worry about it frequently.
The elderly should pay more attention to tax planning, make clever use of various deductions, and make annual declarations in a timely manner to enjoy tax incentives to the greatest extent. In 2024, stop worrying about tax issues and stay up to date with policy changes to make your financial life more calm.
Retirees, don't be confused by policy changes. Planning ahead is key, grasp the direction of change, and make your retirement life more relaxed. Facing the future, just like welcoming the New Year, be brave enough to embrace change and make life better!