For"After every 5 years of payment, you can receive an extra pension after retirement"I think that's a misconception. The basic pension insurance system does not set up the so-called"Grade"to distinguish between people with different years of contribution to receive different levels of pension.
First of all, the social security system was established to ensure the basic livelihood and welfare of the people, and its core principles are fairness and justice. If it is said that you can receive an extra pension for every 5 years of payment, it will be contrary to the principle of fairness. Because different people have different financial and payment capabilities, their pension benefits should be determined according to the actual amount of contributions and the number of years, rather than simply divided according to a fixed time period.
Secondly, the basic pension insurance system is based on the cumulative payment system, that is, individuals and units jointly pay insurance premiums, and the pension in the personal account is accumulated according to the amount of contributions and the number of years. Therefore, the amount of pension in a personal account depends mainly on the amount and length of individual contributions, and not on the basis of the amount of contributions"Grade"form of division.
In addition, the social security system is a long-term system, and it needs to be stable and sustainable. If you can get an extra pension for every five years of contributions, it will lead to systemic risk and unfairness. Because such a system setting will cause people to pay too much attention to the contributions in a certain period of time, and may lead to social security** is not enough to pay the pension of all insured people.
In addition, it should be noted that the level of treatment and policy adjustment of the social security system are closely related to factors such as economy and demographic structure. **Formulate corresponding policies according to the actual situation, and there may be different pension adjustments and treatment levels for retirees in different time periods.
In reality, pension standards and policies vary from region to region. In general, the calculation of pensions is based on factors such as the amount of contributions, the number of years of contributions, and the balance of personal accounts. Therefore, if you want to improve your pension benefits, the most effective way is to increase the amount and number of years you have paid.
In short,"After every 5 years of payment, you can receive an extra pension after retirement"The statement is a misconception. The pension benefits of the social security system are based on the actual contributions of the individual, rather than simply being divided according to a fixed period of time. Reasonable contributions and accumulation will have a positive impact on the pension benefits of individuals after retirement. We should appropriately increase the amount of individual contributions and the number of years of payment according to the actual situation to ensure that our retirement life is well protected.