Recently, many netizens have left messages in the comments of my article asking whether the pension of retired people really needs to be repaid?This is also an issue that the majority of retired people are very concerned about, and it also involves the vital interests of retired people.
The so-called retired people mainly refer to those who handle retirement during the transition period between the old and new retirement systems. Most of these people are those who worked before the implementation of the pension insurance system and retired after the implementation of the pension insurance system. There are both deemed payment periods, as well as actual payment years, both basic pensions, and transitional pensions, for this part of the people we call retirees.
According to this criterion, retired people include retired people in enterprises and retired people in government agencies and institutions. For the retired people of the enterprise, because the pension calculation method each province has its own transition method, although the calculation method of each province is not very uniform, but basically achieved a smooth transition. When a person in a corporate retiree receives a basic pension for the first time, it is his real pension.
Enterprise retirees began in 1992, and 30 years have passed until now, but many of the people who are now retired are working before 1992, and those who participated in the work before 1992 are mostly calculated from December 31, 1995, that is, the actual payment period before the establishment of personal accounts.
From this concept, as long as the local personal account was established, that is, before December 31, 1995, in Guangdong, before December 31, 1997, the people who participated in the work before December 31, 1997 and had the actual payment period and the deemed payment year belonged to the retired people of the enterprise, and they all had transitional pensions.
Except for the transitional pension for enterprise employees in Guangdong Province, which is re-improved and calculated in accordance with the new system and needs to be repaid according to the annual proportion, in the remaining provinces, municipalities and autonomous regions, there is no problem that the retired people of enterprises still need to pay back pensions. The people who still need to make up the pension in the enterprise mainly refer to the people who retired in the current year and have not yet announced the advance pension due to the pension calculation base.
Retired people in government agencies and institutions are mainly those who participated in the work before September 2014 and retired after October 2014.
When the staff members of government organs and institutions handle retirement, because the method of calculating pensions has not yet been completely straightened out, some people make budgets according to the old method and do not receive their own formal pensions. Where pensions are paid in advance according to the old method, there will be the problem of pension repayment for those who retire after October 2014.
For example, in Sichuan, for those who retired before 2022, the pensions in many places are re-calculated according to the new and old methods, and the difference between the pension repayments after the comparison is basically calculated.
However, in Sichuan, many people who will retire in 2023 will still receive advance pensions, so retired middle-aged people in government institutions and institutions that will retire in Sichuan in 2023 will also need to make up pensions after the pension is officially calculated according to the comparison between the old and new methods.
What kind of money is the repaid pension issued by government agencies and institutions?This is also the issue that everyone is most concerned about, in fact, it can be summed up in one sentence, the difference between the advance pension and the regular pension is reissued, starting from the second month after retirement.
To sum up, does the pension of the retired person really have to be repaid?For corporate retirees, most of them receive formal pensions, and there is no problem of repayment;For retired people in government agencies and institutions, the pension has been completely straightened out and repaid in place, and there is no problem of repayment;For those who are still calculating and pre-paying pensions according to the old method, there must be a problem of retroactive pensions. As for when it will be reissued, you need to consult the local social security department.