Today is the second day of 2024 and the first working day.
Since 2014, the ten-year transition period set by the state is coming to an end, how to replace the old and new pension system?
In the new plan to be introduced in 2024, retirees born between 1954 and 1964 will have their pensions increased or **?
Let's understand the reasons for the pension merger, there are two main points:
Improvement of social fairness: Under the original system, there was a significant difference in the pension treatment between civil servants and enterprise employees, which affected the fair distribution of pensions. The implementation of the new pension integration policy to eliminate the existing treatment gap will help improve social equity.
Alleviation of the aging problem: the implementation of the pension merger system, the simplification of the management process, the reduction of the pressure on the pension insurance, and the alleviation of the aging of the population.
At present, we divide the retired personnel of government agencies and institutions into the elderly, middle-aged people, and new people.
They are divided according to the time of retirement, those who retired before October 2014 are called the elderly, and those who retire after October 2014 to October 2024 are called middle-aged people;
Those who retire after October 2024 are called newcomers.
For the elderly and newcomers, the pension payment adopts "the old people's old policy, the new people's new rules".
For retirees born between 1954 and 1964, a policy of "limiting the low and going to the high" will be adopted.
The main purpose of this policy is to solve the problem of calculating the pension of retirees of government agencies and institutions during the transition period.
In other words, the Chinese will choose the higher one between the old and new systems.
If the old system is higher, it will be carried out according to the old system;If the new rules are higher, the difference between the new rules and the old system will be calculated according to the new rules, and the difference will be increased by 10% per year.
For example, if Lao Zhang is a deputy director-level cadre and he retired in November 2022, then he is what we call a "middle man":
According to the old system, Lao Li's pension is 6,000 yuan, and if according to the new system, Lao Li's pension is 7,000 yuan. Then we can calculate it incrementally:
New pension: 7,000 yuan.
Old pension: 6,000 yuan.
Increasing difference ratio: 80% (8 years from 2014 to 2022, so 10%*8=80%)
Lao Zhang's pension = 6000 + (7000-6000) * 80% = 6800 yuan.
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Therefore, for retirees in the system, the specific impact of pension integration on retirement pensions needs to be analyzed on a case-by-case basis.
The integration of pensions can reduce the difference in treatment between civil servants and employees of enterprises in the system, and is conducive to the promotion of social fairness and justice.
For retired employees of private enterprises, the integration of pensions will help reduce the gap between the retirement benefits of enterprise retirees and those of government agencies and institutions, and further improve the fairness and sustainability of the pension system.
For retirees born between 1954 and 1964, it is the most ideal choice to adjust to the upcoming new pension system reform, adapt to economic and social changes, and actively participate in the great rejuvenation of the Chinese nation.