According to the latest data from the National Bureau of Statistics, China's population aged 60 and above has reached 296.97 million, close to 300 million, accounting for 21 percent of the country's population1%, of which 216.76 million people are aged 65 and over, accounting for 15 percent of the national population4%。To put it simply, out of 100 people, there are nearly 21 people over the age of 60.
According to the standards of the World Health Organization, when the elderly over 60 years old in a country or region exceed 10% of the total population, it will enter an aging society, which shows that China is already an aging society.
It is precisely because there are more and more elderly people that there is more and more talk about pensions (retirement salaries), so today we will talk about this topic.
One. What news has been released by the state about the new pension policy?
The new dynamics of pensions in 2024 are in the spotlight. The Ministry of Human Resources and Social Security held a press conference on January 24, at which three good news about pensions were announced. But it did not touch on the question of whether the pension will be adjusted in 2024, which is of general concern.
1.Actively promote the national overall planning of pension insurance to ensure that pensions are paid on time and in full
The national pension will bring a lot of benefits, the transfer and continuation of the pension insurance relationship between the regions will be more smooth, and the social security policy between the places will also ensure fairness and justice. At present, there are about 300 million people receiving pensions, including 13.6 billion retirees, and 1The Ministry of Human Resources and Social Security said that more than 600 million urban and rural residents receive pensions on time and in full, so everyone can receive the pension on time every month, which is proper happiness.
2.PropulsionFull implementation of the personal pension system
Now the personal pension in 36 cities pilot, the number of accounts opened about 50 million, the future full implementation, if the coverage of the whole country, means that more people can choose to participate in the personal pension. Participate in a personal pension with a maximum contribution of 1 per year20,000 yuan, the biggest advantage is that you can enjoy individual income tax incentives.
3.PushQualified village collective economic organizations subsidize urban and rural residents to pay pension insurance premiums and increase the accumulation of personal accounts.
That is, the qualified village collectives can subsidize the payment, which can allow farmers to choose a higher payment grade, so as to increase the funds in the personal account and increase the pension in the future. This is a very good policy for the peasants.
Two. What criteria do you meet regarding pensions (retirement salaries)?
The hierarchy of pensions (retirement salaries) is related to the quality of life of each individual.
According to the relevant policies, the level of retirement salary is mainly calculated based on factors such as the length of service of employees, the number of years of payment, the individual contribution index, and the average social wage.
Specifically, it is divided into six levels, from low to high:
Level 1: The monthly pension is less than 2,000 yuan. This is the starting point of the pension ladder, which can only meet the most basic needs of life.
Level 2: monthly pension between 2,000 and 3,000 yuan. This level has climbed up the gradient, and while it is able to meet some basic living needs, it still needs to be careful with spending.
First**: The monthly pension is between 3,000-5,000 yuan. Entering this level, the quality of life gradually improves. Not only can you meet your basic needs, but you also have the resources to face some unexpected expenses.
Level 4: The monthly pension is between 5,000 and 7,000 yuan. This level of pension makes life more comfortable and gives you the ability to invest or save.
Level 5: The monthly pension is between 7,000 and 10,000 yuan. As the gradient climbs, the quality of life goes to the next level. This level of pension can not only meet the high quality of life, but also have the balance for travel, purchase high-end consumer goods, etc., to bring more enjoyment to life in old age.
Level 6: The monthly pension is more than 10,000 yuan. Climb to the top of the gradient, which is the highest pension level. At this level, people are not only able to meet various life needs, but also to invest and philanthropic activities, and enjoy the freedom that money brings.
Wage levels vary from region to region, so please consult the relevant local authorities.
The division of retirement salary scales can better guarantee the basic livelihood of retirees and improve their quality of life.
Which of the above six levels of retirement salary do you belong to?
Ending
Pension will be a matter of concern to people for a long time. Here, I hope that with the strength of the country, our pension conditions will get better and better.