In this context, how to ensure that retirees aged 60 and above can be supported and relied on in the old age is a topic of common concern for the whole society. However, today, compared with other developed countries in the world, there is still a big gap in the basic pension level of retirees in China. In addition, the basic pension insurance system and the social security system also have problems such as unequal treatment to a certain extent.
Analysis of the current situation of basic pension
As we all know, since 2014, after the merger of the basic endowment insurance of government institutions and enterprises and the basic endowment insurance for enterprise employees, China has paralleled two sets of the most basic endowment insurance system, namely the basic endowment insurance for urban employees and the basic endowment insurance for urban and rural residents. Referring to the 2022 Statistical Communiqué on the Development of Human Resources and Social Security (hereinafter referred to as the "Communiqué") issued by the Ministry of Human Resources, we can roughly calculate the monthly per capita basic pension level of retirees participating in the basic pension insurance for urban employees, as well as the monthly per capita basic pension level of those who actually receive benefits from the pension insurance for urban and rural residents.
According to the data of the communiqué, the number of retirees participating in the basic pension insurance for urban employees in China in 2022 will be 136.44 million, and the expenditure on the basic pension insurance for urban employees in 2022 will be 5,903.5 billion yuan, which can be roughly calculated that the monthly per capita basic pension level of retirees participating in the basic pension insurance for urban employees in 2022 will be about 3,600 yuan; In the same way, it can also be roughly calculated that the monthly per capita pension of urban and rural residents in 2022 will be 200 yuan.
From these two data, it is not difficult to see that there is a huge gap between the level of pension insurance treatment between urban and rural areas, and the current pension level has gradually not been able to adapt to the growing demand for basic pension security. Therefore, since the state issued the "Decision on Improving the Basic Pension Insurance System for Enterprise Employees" in 2005, the basic pension level of retirees has been adjusted year by year, and as of 2023, the basic pension of retirees has achieved "19 consecutive increases".
In 2023, the basic pension of retirees will rise for 19 consecutive years
According to the Notice on Adjusting the Basic Pension of Retirees in 2023 issued by the Ministry of Human Resources and the Ministry of Finance in May 2023, the basic pension of retirees in enterprises and institutions will continue to be adjusted in three ways: fixed, linked and tilted. Below, we take the detailed adjustment plan of Shandong Province in 2023 as a reference to give you a specific explanation.
Quota adjustment: $41 per person per month. Linked adjustment: The part of the adjustment linked to the payment period shall be determined according to the payment period of the retiree, and the part of 15 years and below shall be increased by 1 per month for each full year2 yuan; 16 For the portion of 25 years, for each full year, 1 is increased by 1 per month4 yuan; And so on, for the part of 26 35 years, 36 45 years, and 46 years or more, for each full year, it will increase by 16 yuan, 1$8 and $2.
The part of the adjustment linked to the level of my pension shall be 125% to determine the monthly increase. Tilt adjustment: As of December 31, 2022, 70 retirees aged 74 will be increased by another 15 yuan per person per month; 75 79 years old, an additional $30 per month per person; For those aged 80 and above, an additional $60 per person per month.
How much does a pensioner for a retiree who has worked for 30 years and turned 70 before December 31, 2022, get a monthly increase? Suppose a retiree in Shandong Province reaches the age of 70 in May 2022, the basic pension level in December is 3,000 yuan, the working experience before retirement is 30 years, and the cumulative payment period is also 30 years. So according to the above adjustment rules, how much does the retiree's pension increase every month after the general survey in 2023?
For the part of the quota adjustment, an additional 41 yuan will be issued every month;
The part that is linked to the payment period will increase by 15*1 per month2+10*1.4+5*1.6=40 yuan; The part that is adjusted in connection with the level of my pension will increase by 3000 * 1 per month25%=37.$5;
For the part of the tilt adjustment, it will increase by 15 yuan per month.
Adding up the four sets of data results in a pension amount of 133 per month** for the retiree$5; 2024 Travel Guide
Conclusion
Judging from the above data, the retiree can increase by 133 per month after the general survey of the basic pension in 20235 yuan, reaching 3113$5 standard. Although the amount of additional issuance is not high in terms of numbers, it also reflects the care and respect of the state for retirees. Moreover, it is worth emphasizing that if you want to increase the basic pension after retirement, then according to the incentive mechanism of "pay more and pay more, pay longer and get longer", you need to increase the amount of insurance contributions and payment years during the service as much as possible, so that not only the basic pension level after retirement is higher, but also the annual increase in the general survey will be high.