2024 Social Security New Deal! How will your pension be affected by the major adjustment of social security policies in the three places?
As Chinese society enters the fast lane of aging, the pension system and its specific adjustments have become an important concern in the simple life of many people. For middle-aged and elderly people who are about to retire and young people who are on the rise in their careers, understanding and dealing with their pension insurance contributions and benefits is an indispensable part of ensuring a stable life in the future.
As the tipping point of 2024 has passed, notices of adjustments to pension schemes have been issued in many parts of the country, and these changes will undoubtedly affect everyone's future.
Jiangsu Province. Adjustments to the calculation of the transitional pension.
Jiangsu Province has adjusted the calculation and payment method of transitional pensions. According to the notice, when a person who participated in the insurance before December 31, 1995 receives the basic pension for the first time after January 1, 2024, the monthly calculation base of the transitional pension shall be calculated according to the sum of the monthly base of the employee's basic pension at the time of retirement, the average salary index before the end of 1995 and the number of years of payment before the end of 1995; For those who participated in the insurance after January 1, 1996, when they receive the basic pension for the first time after January 1, 2024, the monthly calculation base of the transitional pension shall be calculated according to the sum of the monthly base of the employee's basic pension at the time of retirement, the average salary index before the end of 1995 and the number of years of contribution before the end of 1995; For those who participated in the insurance after January 1, 1996, when they receive the basic pension for the first time after January 1, 2024, the monthly calculation base of the transitional pension shall be calculated according to the monthly base of the basic pension of the employee at the time of retirement.
This new calculation method is related to the reference value of the basic pension received by insured employees each month after retirement, and will be adjusted annually.
In addition, the notice also mentioned:"It's high"The principle, that is, the part of the transitional pension that is higher than the original calculation and payment method, will be gradually adjusted according to the proportion of the basic pension adjustment in recent years, and finally reach the full payment.
Specifically, the maximum portion will be paid progressively over three years, at % and 100%, respectively.
In short, Jiangsu Province has adjusted the method of calculating and issuing transitional pensions to make it closer to the actual situation of insured workers, and at the same time, it has also taken into account the principle of gradual transition to full payment in the process of pension distribution.
These adjustments will directly affect the pension rights of insured workers after retirement, providing better protection for their retirement life.
Hunan. Adjust Contribution Account and add 3 new accounts!
According to the latest notice, Hunan Province will adjust the payment grade of pension insurance, adding 3 grades. At present, the payment standard for ordinary insured persons is 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2000 yuan, 2500 yuan, 3000 yuan, 4000 yuan, 5000 yuan, and 6000 yuan per year.
In addition, the level of subsidy for the payment of premiums has been increased. **There will be different levels of subsidy for the payment of premiums, with the subsidy amount ranging from 100 yuan to 6,000 yuan, with a maximum subsidy of 100 yuan per person per year.
For groups with special difficulties such as the severely disabled and the extremely poor, the county and city people** shall pay the premiums in full. For other groups with difficulty in paying fees, ** will also be partially or fully subsidized.
In addition, it also regulates the issue of supplementary payment of pension insurance for urban and rural residents. The insured must pay the fee on an annual basis, and if the insured has reached the age of participation but has not reached the specified number of years, he can make a one-time supplementary payment.
However, it should be noted that the supplementary pension insurance premiums are no longer eligible for state subsidies, and the cumulative payment period shall not exceed 15 years, excluding the payment period of rural social pension insurance.
This series of policy adjustments aims to provide more flexible and diverse payment options for the insured and provide more help to groups with special difficulties. It is hoped that most of the insured people will reasonably choose the payment grade according to their own situation to protect the rights and interests of pension insurance.
Zhejiang Province. Increase the contribution allowance by at least $200!
From January 1, 2024, Zhejiang Province will adjust the individual payment level of urban and rural residents' pension insurance. There are eight adjusted payment tiers, namely 200 yuan, 300 yuan, 500 yuan, 1000 yuan, 2000 yuan, 3000 yuan, 5000 yuan and 7000 yuan.
Among them, the grade of 200 yuan will be paid by **, and for individuals whose current grade is higher than 200 yuan, it can remain unchanged.
In addition, for those who choose to increase their contributions, the contribution allowance will be increased accordingly. From 1 January 2024 onwards, the annual allowance will be at least $200 per person for contributions of $2,000 or more.
The contributor has one opportunity to adjust the level of the contribution in each contribution year and is obliged to pay the contribution annually. If the cumulative contribution period does not reach 15 years, you can make a temporary payment. However, the maximum amount for provisional contributions is $5,000.
It should be pointed out that the personal account pension is calculated according to the amount of deposit in the personal account, and people can choose the appropriate level of contribution according to their actual situation. It is subsidized by **, compliant"Pay more, pay more, pay more"general principles.
In short, this adjustment will provide urban and rural residents with more flexible and diverse payment options, and help individuals better plan for retirement security.
Conclusion. The adjustment of pensions and the reform of pension insurance policies are not only related to the vital interests of everyone, but also related to the long-term stability and development of society. With the continuous improvement of the policy, we have reason to believe that the future pension security will be more solid and reliable.
Every political adjustment is a better plan for the future, and we must also have confidence in the future.
In an era of such frequent changes, keeping up with the times, being aware of the latest developments in pension policy and planning wisely for your future is the attitude that everyone should adopt. After all, preparing for the future is the best investment you can make in yourself.