Recently, many provinces in China have announced the pension calculation base for 2023, and the adjustment of this policy is of great significance to the majority of retirees. This article will interpret the adjustment of the pension calculation base and analyze its impact on the pension of retirees.
1. Adjustment of pension calculation and payment base: policy interpretation.
What is the pension calculation base?
The pension calculation base refers to the base used to calculate the pension benefits of retirees, which reflects the corresponding pension level of retirees in different years.
Why do we need to adjust the pension calculation base?
With the intensification of the aging trend of the population, the pressure on old-age security is gradually increasing. In order to ensure the basic living needs of retirees and meet the needs of economic and social development, it is necessary to adjust the pension calculation base.
How is the pension calculation base adjusted?
The adjustment of the pension base is mainly affected by two factors: one is the level of economic growth, and the other is the price situation. Specifically, the adjustment range is determined according to the economic growth rate and the price rate.
2. Adjustment of pension calculation and payment base: impact analysis.
Impact on pensions of retirees.
The adjustment of the pension calculation base directly affects the pension level of retirees. Generally speaking, if the pension calculation base is raised, the pension of retirees will also increase accordingly. Otherwise, it will decrease.
Impact on the pension security system.
The adjustment of the pension calculation base also affects the entire pension security system. On the one hand, it can improve the quality of life of retirees and enhance their sense of life securityOn the other hand, it can also promote the sustainable development of the old-age security system.
3. Case Study: Take Chengdu, Sichuan Province as an example.
Recently, a retiree in Chengdu, Sichuan Province, received a retroactive pension. The old man's previous monthly pension was 250732 yuan, now it has been raised to 257087 yuan, an increase of 63$5. In addition, an additional 444 was reissued85 yuan. This case shows that for most ordinary retirees, the amount of the recalculation is mainly concentrated in the range of a few hundred yuan, and there is still a certain gap with 1,200 yuan.
Fourth, why do most retired employees reissue less than 1,200 yuan?
In fact, most of China's retirees are retired employees of enterprises, and the length of service and payment index of these people are generally not high. This means that they also have a lower pension level when they retire, mostly between 1,000-2,000 yuan. As a result, even when pension adjustments are taken into account, the amount of retroactive payments they can receive is relatively limited.
5. Which retirees are more likely to get more than 1,200 yuan in repayment?
The increase in the local pension calculation base exceeds 5%: If the increase in the calculation and issuance base in 2023 reaches more than 5%, it will directly drive the increase in the amount of individual repayment.
Longer working years: If the actual working experience of an individual can reach more than 35 years, then in addition to the basic pension, you can also get an additional transitional pension, which will directly expand the overall amount of repayment.
Enjoy policies such as deemed contributions or de-contributions: this will increase the length of service and contribution index of the individual, thus indirectly increasing the amount of the final retroactive payment.
Higher contribution index: This means that the level of personal pension is higher before retirement, which is also conducive to getting more retroactive payments after retirement.
In general, the adjustment of the pension calculation base is of great significance to ensure the basic living needs of retirees and promote the sustainable development of the pension security system. Although the amount of recalculation may be less than 1,200 yuan for most retirees, it is still possible for retirees who have the above favorable conditions to get more repayment. In the future, with the development of the economy and society and the continuous improvement of the old-age security system, we have reason to believe that the pension life of the majority of retirees will be better guaranteed and improved. AI assistant creation season