Another adjustment of pensions in 2023 has attracted widespread attention. According to the notice of the Ministry of Human Resources and Social Security and the Ministry of Finance, from January 1, 2023, the basic pension of retirees nationwide will be in accordance with 38% rate**. This is up from 4 last year5% is a decrease, but it is still the country's continuous care and attention to the elderly group.
However, this adjustment is not a "one-size-fits-all", but a combination of quota adjustment, peg adjustment and tilt adjustment, in which the peg adjustment has a close relationship with the length of service. What exactly does this adjustment mean?What impact will it have on different groups of people?
First of all, it is a real incentive and reward for retirees who have worked for a long time and have paid contributions for more than 20 years. They have been working for a long time and steadily, and have made lasting contributions to the country and society. Under this policy, their basic pension will increase more each month for each year of contributions.
Assuming that a person has paid for 30 years, according to the policy, he can get an additional pension of 25 yuan per month, and 40 years of service means that he can get an extra 50 yuan per month. Such an adjustment is undoubtedly a recognition and feedback of their long-term dedication, reflecting the principle of "pay more and get more, pay more for a long time".
However, for those retirees who have worked for a relatively short period of time and have contributed less than 20 years, this adjustment is more of an encouragement and reminder. They may have a shorter length of service due to various reasons, such as shorter years of service, interruptions in contributions, etc.
Under this policy, each of them can only increase their basic pension by 5 yuan per month, which is relatively low compared to retirees with long working years. Although this adjustment reflects the basic protection for this group of people, it also reminds them that if they want to get a better pension after retirement, they need to work as long as possible and ensure the continuity and stability of contributions.
In addition, for those who have not yet retired, this policy is also of far-reaching significance. It not only reminds them to pay attention to their pension issues, but also makes them understand that the future pension level is closely related to the current length of service and contribution behavior.
This means that in order to receive a higher pension after retirement, they should work as long as possible and should not easily interrupt or stop making contributions. At the same time, they should also actively increase their contribution base, because this will greatly affect their future pension benefits.
The pension adjustment method according to the general adjustment of working years is essentially a scientific and reasonable adjustment mechanism. It is both fair – paying more for a long time and less for a short period of time, and an incentive for people to pay for a long time and steadily. For the whole society, this also means that the attention and attention to the pension issue is constantly improving, and the social security system is becoming more and more perfect.
Overall, the pension adjustment policy in 2023 has different meanings and impacts for different groups of people. It is not only an affirmation and feedback for retirees who have worked and paid for a long time, but also a reminder and encouragement for those who have paid short, not paid or interrupted contributions. For employees who have not yet retired, this is a forward-looking warning and enlightenment, guiding them to plan and prepare in advance for the future pension life.
In the face of this policy adjustment, each of us should seriously think about our own pension issues and actively participate in this social security system. Only in this way can we enjoy the benefits we deserve in old age and ensure that our old age is carefree.