Pension is a topic that everyone cares about, especially for those who have retired or are about to retire, the amount and magnitude of the pension directly affect their quality of life and happiness.
Since 2005, China has achieved an increase in pension for 19 consecutive years, which is a livelihood project that benefits hundreds of millions of elderly people, and is also an important embodiment of the social security system.
So, will pensions rise in 2024?If it goes up, how much?What are the ways and principles of the rise?What role does length of service play in this?I believe many people want to know the answers to these questions.
Will the pension still be ** in 2024?
According to the provisions of the Social Insurance Law, the adjustment of pensions should be based on factors such as the average social wage, the price level, and the income and expenditure of pension insurance.
Judging from the current situation, China's economic growth rate has rebounded to a normal level, the income level of residents is also steadily improving, and the operation of social insurance is generally stable, and there are no serious gaps or risks.
Therefore, from these aspects, the pension is expected to continue to maintain the trend of inertia in 2024, and there will be no cliff-like decline or stagnation.
What kind of approach and principles will be adopted
Judging from the pension adjustment program in recent years, China's pension adjustment mainly adopts a combination of fixed adjustment, linked adjustment and tilt adjustment, which can not only ensure the basic level of pension, but also reflect the incentive and fairness of pension, and also take care of the needs of some special groups.
Specifically, the fixed adjustment refers to the uniform increase of a fixed amount for all retirees, which can ensure the basic level of pension, but also narrow the gap between pensions, so that low-income retirees can get more subsidies.
The linked adjustment refers to the corresponding increase according to the retiree's contribution period (or working years) and pension level, which can reflect the incentive of the pension and allow retirees with long payment years and high pension levels to get more returns.
Tilt adjustment refers to the appropriate tilt according to the age, occupation, region and other factors of retirees, which can reflect the fairness of pensions, so that retirees in advanced age, difficult and remote areas, and special industries can receive more care.
How much does length of service play a role in the 2024 pension adjustment
Length of service, also known as the number of years of service, refers to the length of time a person has spent from working to retirement, which is generally calculated in months.
The length of service is an important factor in the calculation and issuance of pensions, because it directly affects a person's contribution base and payment years, thus affecting a person's pension level.
Generally speaking, the longer the length of service, the higher the contribution base and the number of years of payment, and the higher the level of pension. The length of service is also an important factor in the pension adjustment, because it is a basis for the linkage adjustment and a condition for the tilt adjustment.
Generally speaking, the longer the length of service, the greater the amplitude of the peg adjustment, and the more opportunities for tilt adjustment.
Therefore, the length of service plays a positive role in the pension adjustment, which can allow retirees with long service to get more preferential treatment and care.
How big is the difference between retirees with long service and short service in the pension adjustment?
Let's take an example to illustrate. Suppose there are two retirees, one with 15 years of service and a pension of 1,200 yuan, and the other with 35 years of service and a pension of 4,000 yuan.
Let's take this year's pension adjustment plan in Jiangsu Province as an example to calculate the amount of their pension**.
The pension adjustment plan of Jiangsu Province is as follows: the fixed amount is adjusted to 26 yuan, and the adjustment is linked to the length of service, and the adjustment part is less than 15 years, and it will increase by 1 year every year3 yuan;For the part of 16 to 25 years, 2 for each full year1 yuan;For the portion over 26 years, 3 for each full year$7.
The part linked to the pension level increased by 11%。In addition, there is an elderly tilt adjustment part, ** the amount is 19-35 yuan.
Based on this scheme, we can calculate,For retirees with 15 years of service, the amount of pension ** is as follows: fixed adjustment (26) + linked adjustment (1513+12001.1%）=58.$7.
For retirees with 35 years of service, the amount of pension ** is as follows: fixed adjustment (26) + linked adjustment (151.)3+102.1+103.7+40001.1%）=147.$5.
As you can see, the gap between the two is 888 yuan, that is, retirees with 35 years of service get 88 more per month than retirees with 15 years of service$8.
This gap, although not very large, is not very small, equivalent to 1 of the pension of retirees with 15 years of service5 times.
This also shows that the role of seniority in pension adjustment is significant, so that retirees with long working years can get more benefits.
Of course, we should also see that the role of seniority in pension adjustment, although positive, is not absolute, because pension adjustment is also affected by other factors, such as the basic level of pension, payment base, payment period, average pension level, price level and so on.
These factors will affect the specific amount and increase of pension adjustments. Moreover, the pension adjustment should also take into account the actual situation of each region, can not be one-size-fits-all, according to the level of economic development in various places, social security income and expenditure, pension level gap and other factors, to develop a reasonable adjustment plan.
Some regions may rise more, some regions may rise less, some regions may adopt different adjustment methods, and some regions may have different tilt policies.
Therefore, we cannot simply think that if the length of service is long, it will definitely increase much, and if the length of service is short, it will definitely rise less, but it depends on the specific situation and plan.
Length of service is an important indicator, it not only affects our pension calculation, but also affects our pension adjustment, the longer the length of service, generally speaking, the higher the pension level and the highest range, which is a reward and incentive for our long-term contributions and work.
However, the length of service is not the only indicator, but also to take into account other factors, such as the basic level of pension, payment base, payment period, pension average, price level, etc., these factors will affect the specific amount and increase of our pension adjustment.
Moreover, the pension adjustment should also be based on the actual situation in various places, and a reasonable adjustment plan should be formulated, which cannot be generalized, and should be targeted and differentiated.
Therefore, when we pay attention to pension adjustment, we should not only look at the length of service, but also look at other factors, not only look at ourselves, but also look at others, not only look at the numbers, but also look at the policy, so as to have a comprehensive and objective understanding, but also to better enjoy the dividend of pension adjustment.