On January 29, the Shanghai Municipal Bureau of Human Resources and Social Security announced the revised and improved Measures for Basic Pension Insurance for Urban and Rural Residents in Shanghai. One of the most interesting is the increase in pensions for the elderly.
Specifically, from May 1, 2024, for those who are 70 years of age or olderRetirees who participate in the pension insurance for urban and rural residents will be increased by 10 yuan per month, and the pension will be increased by 20 yuan if they reach the age of 80.
It is definitely a good thing to give more care to the elderly and increase their pensions for them, why do a large number of netizens not buy it and even complain that it is better not to increase it?
The reason is not complicated, because everyone thinks that 10 or 20 yuan more per month in a city like Shanghai with high consumption and high housing prices is too little, and it may not even be enough to go to a small shop to eat a bowl of noodles.
On the surface, there is nothing wrong with this view, but if you understand the following three points, you may come to a very different conclusion.
First, it is the retirees who participate in the pension insurance for urban and rural residents who can get the increase in pension this time. Because this kind of endowment insurance is mainly participated in by rural residents, and only a very small number of low-income people in urban areas participate in the insurance, it is also known as "farmer pension", which is different from the urban employee endowment insurance paid by enterprise employees who are familiar with it.
The peasant pension "is paid once a year, and the standards are different in various places, generally a few hundred yuan a year, which is completely different from the basic old-age insurance for urban workers, and the latter can pay several hundred yuan per month, and the monthly payment of people with higher incomes can reach several thousand yuan.
If you pay less, you will naturally receive less, and the annual increase will be low, which will be described in detail later. Therefore, we should not use the pension of enterprise employees to benchmark the issuance and increase of "farmer pension".
Second, Shanghai's "peasant pensions" are already very high, more than 10 times that of some areas.
If you have paid the old-age insurance for urban and rural residents for 15 years and have reached the age of 60, you can receive the "farmer's pension" on a monthly basis.
The pension is divided into two parts, one is the personal account pension, which is calculated by dividing the personal account balance of each retiree at the time of retirement by 139; The second is the basic pension, the amount of retirees in the same area is the same, which is stipulated by the local social security department.
For example, Zhang San, a rural resident of Beijing, retired with a balance of 70,000 yuan in his personal account, and his personal account pension = 70,000 139 = 5036 yuan; Beijing's basic pension is 924 yuan per month, so Zhang San's pension is 14279 yuan (503.)6+924）。
The basic pension of the pension insurance of urban and rural residents in Beijing is already very high in the whole country, and it is only available in most areas.
1. Two hundred yuan, if the local farmers pay according to the minimum grade and the minimum number of years, then the pension that can be received after retirement may only be a few hundred yuan or even less than 200 yuan.
What is the basic pension in Shanghai's "farmer's pension"? Highest in the country,The latest standard after adjustment in 2023 is 1,400 yuan per month.
Assuming that Zhang San retires in Shanghai, he can receive at least 1903 per month if the balance of his personal account remains unchanged6 yuan; Why at least? Because if Zhang San's cumulative payment period reaches a certain number of years, the Shanghai policy will also give incentivesTherefore, it is not difficult for the pension to break through 2,000 yuan.
Compared with those who only have a monthly "peasant pension" of more than 100 yuan, a retiree who participates in the pension insurance for urban and rural residents in Shanghai earns more than 10 times the amount of his monthly pension.
Third, the increase in the tilt of the elderly is given additionally, which does not conflict with the fixed annual increase.
Corporate retirees know that their pensions will be adjusted in the middle of each year, right? The average growth rate in 2023 is 38%, assuming that the monthly pension of retirees in an enterprise is 3,500 yuan, it will increase by almost 120 yuan to 150 yuan per month in 2023.
Is the farmer's pension "increasing every year?" It has also increased, but only by a small marginIn most areas, the basic pension will be increased by 10 yuan per year. You read that right, it's 10 yuan a month.
Shanghai's annual pension increase for retirees who participate in the pension insurance for urban and rural residents is much greater than 10 yuanIt has been increasing by 100 yuan per month for many years. The original monthly pension is already 5 to 15 times that of other regions, and the annual increase has reached 10 times, you can imagine how big the gap is.
The pension increase for retirees over 70 years old should be modeled after the "old age tilt increase" in the basic pension adjustment project for urban workers, whether it is an increase of 10 yuan or 20 yuan, it does not conflict with the annual increase of 100 yuan mentioned above, and is an additional increase. This means that Shanghai's additional increase for the elderly is equal to or even exceeds the annual general increase in other regions.
There is no harm without comparison, let's talk about the "cruel" reality.
According to the practice of previous years, it can be inferred that in 2024, retired farmers in Shanghai can add another 100 yuan per month while receiving an average pension of more than 2,000 yuan, while those over 70 years old can add 110 yuan, and those over 80 years old can add 120 yuan. Retired farmers in most parts of the country receive a monthly pension of 100-400 yuan, and the annual increase is only 10 yuan.
After learning the truth, will you still complain about the new policy launched by Shanghai this time? To put it mildly, many peasants in Shanghai receive more pensions per month than enterprise retirees in some places who have paid contributions for more than 25 or even 30 years, let alone local peasants who have participated in the old-age insurance for urban and rural residents.
Shanghai is absolutely at the king level in terms of social security, especially the welfare treatment for low-income people, far ahead of any region in the country, reflecting Shanghai's strong financial resources and the importance that the rulers attach to people's livelihood issues.