Since the reform of pension integration in 2024, there have been concerns and doubts about "the state will not help us provide for the elderly". So, what's going on with the pension merger reform?Does it mean that the state no longer bears the responsibility of providing for the elderly?This article will explain this in detail.
1. The background and purpose of the pension merger reform.
The reform of pension integration refers to the merger of the two systems of basic old-age insurance for enterprise employees and basic old-age insurance for government agencies and institutions into a unified basic old-age insurance system for urban and rural residents. This reform aims to eliminate the gap in pension treatment between different groups and achieve a fair and sustainable development of the pension insurance system.
Second, the main content of the pension merger reform.
1.Establish a unified old-age insurance system: Merge the existing basic old-age insurance system for employees of enterprises and the basic old-age insurance system of government agencies and institutions to form a unified basic old-age insurance system for urban and rural residents.
2.Adjust the pension insurance benefits: On the basis of ensuring the original level of benefits, gradually adjust the pension insurance benefits to make them compatible with the level of economic development.
3.Improve the raising and management of pension insurance: establish and improve the provincial overall planning system of pension insurance, improve the efficiency of use, and ensure safety.
4.Promote the national overall planning of pension insurance: gradually realize the national overall planning of pension insurance, balance the burden between regions, and ensure that pensions are paid on time and in full.
Third, the reform of pension integration does not mean that the state no longer bears the responsibility of pension.
1.The reform of pension integration is to make the pension insurance system more fair and reasonable, rather than weakening the country's responsibility in the field of pension.
2.The state still bears the responsibility of raising, managing and distributing pension insurance to ensure that the pension is paid on time and in full.
3.After the reform of pension integration, the state will continue to improve the pension insurance system, improve the pension insurance benefits, and provide better pension security for the majority of insured people.
4.The state encourages the development of commercial endowment insurance to provide a variety of old-age security options for the insured.
Fourth, measures to deal with the reform of pension integration.
1.Improve the coverage of pension insurance: encourage more people to participate in pension insurance, improve the coverage of pension insurance, and reduce the pressure of social pension.
2.Establish and improve the multi-level pension insurance system: develop supplementary pension insurance systems such as enterprise annuities and occupational annuities, and improve the level of pension insurance benefits.
3.Strengthen the supervision of pension insurance: ensure the safety of pension insurance and prevent risks.
4.Improve the investment income of pension insurance: rationally allocate the assets of pension insurance, improve investment income, and enhance the sustainable development of the pension insurance system.
Conclusion: The 2024 pension reform does not mean that the state will no longer bear the responsibility for the elderly. On the contrary, the state will continue to devote itself to improving the old-age insurance system and providing better old-age security for the majority of insured people. In the process of reform, we need to look at it rationally, respond positively, and jointly promote the healthy development of the pension insurance system.