As a key livelihood protection measure in China, social security is like a solid bridge, spanning the river of workers' rights and interests, providing them with solid social security. With the rapid development of China's economy and the continuous progress of society, the social security system is also undergoing profound changes and optimizations to meet the people's desire for a better life.
Now, let's work together to ** the dual-track structure of China's pension insurance system. One track is the basic pension insurance for employees, which provides retirement security for on-the-job employees of various enterprises and institutionsThe other track is the basic old-age insurance for urban and rural residents, which will build a line of defense for urban and rural residents.
According to our regulations, only those who have paid insurance for 15 years are eligible to receive a monthly pension after retirement at the age of 60. The amount of pension is determined by various factors such as the average salary of local on-the-job employees, the financial status of pension insurance, and the degree of population aging.
In recent years, China has taken a series of positive measures to improve pension benefits to ensure that the living needs of every elderly person are met. For example, the Notice on Adjusting the Basic Pension of Retirees in 2023 jointly issued by the Ministry of Human Resources and the Ministry of Finance announced the 19th consecutive pension level of retirees in enterprises and institutions**. The ratio of this adjustment is based on 38% sure. This policy change will bring tangible benefits to every retiree of enterprises and institutions.
Through the depiction of these policies, we can see that every adjustment and improvement of China's social security system is to allow every worker to enjoy the dignity and security they deserve after hard work, so that their later life is more secure and comfortable. Social security is not only the accumulation of numbers, but also the respect and reward for the hard work of workers throughout their lives.
In this era full of changes, the improvement of pension insurance benefits for urban and rural residents has also come as promised. For example, Shanghai has decided to increase the basic pension of urban and rural residents by 100 yuan from January 1, 2023, to reach the standard of 1,400 yuan per month. Similarly, Henan Province also announced that from January 1, 2023, the minimum basic pension standard for urban and rural residents will be raised to 123 yuan per month, an increase of 10 yuan.
However, although the adjustment and improvement of the pension policy is gratifying, there are still some problems in front of us.
The first is the mismatch between the level of pensions and the actual living needs of the elderly. Due to the huge disparity in the level of economic development and income between regions in China, the pension standard in some places is still low, which cannot fully meet the basic living needs of the elderly.
The second issue is the sustainability of the pension system. With the intensification of China's aging problem, the pressure on pension insurance expenditure continues to increase, and how to ensure the long-term stable operation of social security has become a problem that we need to solve urgently.
In order to ensure the legitimate rights and interests of every worker, China is increasing the reform of social security policies. On the one hand, we have raised the standard of pension so that every worker can share in the fruits of economic development. For example, in recent years, China has continuously improved the basic pension insurance for employees and the basic pension insurance for urban and rural residents to improve the quality of life of the elderly.
On the other hand, we have strengthened supervision to prevent illegal pension payments and ensure the safe operation of social security**. For example, we have strengthened the supervision of the distribution and use of pensions, intensified the investigation and punishment of violations, severely punished illegal acts such as fraudulent claims and duplicate payments, and ensured the legitimacy and normal distribution of pensions.
Pensions are also subject to strict regulations. However, there are always some people who may face the risk of pension suspension or even break the law for various reasons. Let's take a look at these three situations that can lead to the suspension of pensions:
The first is the substitution of the family of the deceased. According to the pension policy, once a retiree dies, his pension will cease to be paid in the following month. However, some family members choose to receive the money on their behalf, which seems harmless but is actually risky. Once the social security department finds out and verifies, not only will all the pensions received be recovered, but also may impose a fine of more than twice as much on the family, so it is everyone's job to understand the policy and avoid breaking the law.
The second is the act of fraudulently claiming a pension. In the era when the social security system was not perfect, the social security departments in some places had the situation of fraudulently receiving pensions. Receiving a pension on behalf of someone under an impersonation is not only punishable by a fine, but also by imprisonment. With the improvement of the social security system in modern society, the risk and cost of taking the pension are also rising.
Finally, there is the act of repeating pensions. China implements two sets of basic old-age insurance systems, and there are different old-age insurance systems for urban workers and urban and rural residents. However, some people pay two types of insurance at the same time for the immediate benefit, hoping to receive a pension repeatedly after retirement, which is expressly prohibited by the law, once found, will be punished by the law, so we must be rational when planning pensions, away from the red line of the law.
In this dynamic society, in addition to the important component of pension insurance, China has also built a solid framework of social security systems such as medical insurance and unemployment insurance. The improvement of medical insurance has provided a solid line of defense for the people in the face of the challenge of disease.
For example, China has established a medical insurance system that combines basic medical insurance for urban and rural residents and basic medical insurance for employees, and by creating a unified medical insurance platform, we have significantly improved the level of medical security, so that every citizen can enjoy high-quality medical services.
Unemployment insurance, on the other hand, provides certain financial compensation and employment assistance for those who are unfortunate enough to be unemployed, helping them tide over difficulties and re-embark on the road to employment.
In general, social security is a vital livelihood security policy in China, which affects everyone's heart. Through continuous adjustment and improvement of the social security system, China is committed to improving the social security level of workers in order to achieve the grand goal of common prosperity.
However, we should also be soberly aware that the social security system is still facing some challenges and problems, which require the joint efforts of all sectors of society to solve them. Let us go hand in hand and look forward to the further improvement of China's social security system, so that everyone can live a better and more dignified life.