With the acceleration of China's aging society, pension and retirement issues have become the focus of attention of the whole societyBasic pension insurance for employees and pension insurance for urban and rural residentsThe basic pension insurance for employees is divided into inside and outside the system, but there has always been a big difference between the pension inside and outside the system.In the past, pensions in our country have been implemented"Dual-track system",In order to solve this problem, the transition to the pension will be implemented from 2014 to 2014 and 2024 as a 10-year transition period, which will be officially implemented in October 2024"Bounce".System, to put it simply, the merger of the pension system is to coordinate the pension system of different groups such as civil servants and institutions within the system and employees of enterprises outside the system, and to coordinate and unify the way of pension distribution.
When we mention the 2024 pension consolidation system, many people may first think of a series of reform measures and policy adjustments, but do you know what this reform means for those retirees born between 1954 and 1964? What will happen to their pensions?
Nowadays, the development of society and the intensification of population aging, the pension system is facing a series of challenges and reform requirements, in order to better adapt to the development of the new era, China officially launched the pension system, in order to improve the fairness and sustainability of the pension system, for those born between 1954 and 1964 retirees, how will this change affect their pension changes?
For specific groups of people born in 1954 and 1964, the impact of the pension consolidation system is complex and multidimensional, and it should be clear first that this change will help improve the fairness of the pension system. Prior to this, there were large differences in the pensions received by retirees in different regions and different environments, and these differences will be eliminated to a certain extent through the pension merger system, so as to make the system more equitable.
Why do we need to implement pension consolidation?
Pension merger can better reflect the principle of social fairness, in the pension dual-track system, the enterprise employee pension insurance is jointly paid by the unit and the employee, according to the different proportions of the enterprise annuity system, and the retirement pension of the employees of the government and institutions is borne by the state and the unit, the same working years and teaching basis, the gap between the two is larger.
Therefore, the pension merger is the retirees in different systems to enjoy the balanced retirement treatment of public services is the inevitable trend of social development, the reform of the pension insurance system for the staff of organs and institutions has been set up since 2014 to set a 10-year transition period, which will officially end in 2023Contribution ratio, payment base, and treatment calculation methodand so on to participate in pension insurance.
The direct object of the merger is, of course, the staff of organs and institutions, and because of the existence of the transition period, the staff of organs and institutions can be divided into three categories:
Old man:For those who have retired before December 31, 2014 or meet the retirement conditions at that time, but have not gone through the formalities, the calculation and method remain unchanged, and the subsidy is generally given in accordance with the proportion prescribed by the state.
Middle:If you retire between January 1, 2015 and September 30, 2024, or those who meet the requirements for retirement at that time, the personnel will be carried out using the principle of combining the old and new methods, and the upper limit will be lower.
Newcomer:After October 1, 2024, the retirement conditions can be reached at that time, or those who have reached the formalities of the unit, such personnel will be calculated and paid in accordance with the new measures, and the calculation formula is basically the same as that of retired employees of enterprises, affected by factors such as the number of years of payment.