With the development of society and the intensification of population aging, the issue of retirement benefits has always been the focus of public attention. This article will compare the old and new retirement benefits, analyze the reform of the retirement security system, and how to improve the retirement benefits and ensure the quality of life of the elderly.
First, the comparison of the old and new retirement benefits.
1.Pension level. Under the traditional retirement system, pensions are mainly calculated based on individual wages and years of service, while the new retirement system pays more attention to individual contributions and investment income, and the level of pensions has been increased.
2.Pension insurance system. The traditional retirement system mainly relies on the state's overall pension insurance, while the new system encourages individuals to participate in commercial pension insurance to improve the diversity of pension security.
3.Post-retirement benefits. Under the traditional retirement system, retirees can enjoy certain benefits such as medical care and housing, but the new system pays more attention to improving the medical security and quality of life of retirees.
Second, the reform of the retirement security system.
1.Gradually improve the pension insurance system. **Gradually improve the old-age insurance system, improve the coverage and security level of old-age insurance, and ensure the basic living needs of the elderly.
2.Promote the development of commercial pension insurance. **Encourage the development of commercial endowment insurance, provide a variety of endowment security options, and meet the needs of different levels of endowment.
3.Establish and improve the medical security system. **Establish and improve the medical security system, improve the level of medical security for retirees, and reduce their medical burden.
3. Suggestions for improving retirement benefits.
1.Raise the level of pensions. In accordance with economic development and the price level, the level of pensions should be raised in a timely manner to ensure the basic living needs of the elderly.
2.Improve the pension insurance system. Strengthen the supervision of pension insurance, ensure the sustainable development of the pension insurance system, and provide stable pension security.
3.Strengthen the health care of retirees. Establish and improve the medical security system for retirees, provide high-quality and efficient medical services, and reduce their medical burden.
4.Improve the quality of life in retirement. Increase the care for the lives of retirees, provide a variety of cultural, educational, entertainment and other activities, and improve the quality of life of retirees.
Conclusion: With the development of society and the intensification of population aging, the issue of retirement benefits is becoming more and more important. **We should continue to improve the retirement security system, improve retirement benefits, and ensure the quality of life of the elderly. At the same time, individuals should also pay attention to retirement planning and actively purchase commercial endowment insurance to provide better protection for their later life.