"The older you get, the more reluctant you are to spend money" is a true portrayal of the elderly aged 60 and above at this stage, and the factors leading to the prevalence of this phenomenon come from many aspects, such as the low level of basic pensions, rising medical costs, and increased daily living expenses. So the question is, in today's aging trend is further intensifying and the burden of pension is getting heavier and heavier, how do you in front of the screen deal with the aging crisis? What kind of planning do you make for the upcoming "retirement"?
Population ageing
With the passage of time, the trend of China's population aging has further intensified. According to the latest demographic statistics released by the National Bureau of Statistics, by the end of 2023, the number of elderly people aged 60 and above in China has reached nearly 29.7 billion, accounting for 21 percent of the country's total population1%；The elderly population aged 65 and above exceeded 21.5 billion, accounting for 15 percent of the country's total population4%。
Referring to the previous population data of the National Health Commission, it is estimated that by 2025, the elderly population aged 60 and above in China will exceed 300 million; It is expected that by around 2035, the size of the elderly population aged 60 and above will reach 400 million. Compared with the data released by the above-mentioned National Bureau of Statistics, it is not difficult to draw a conclusion that the number of elderly people aged 60 and above in China may not exceed 300 million by 2025, and the moderately aging society has quietly hit. Criteria for defining "senior citizens".
As we all know, at this stage, China defines the population group aged 60 and above as "the elderly", and at the same time, it is divided into three stages according to the different age groups. Among them, 45 59 years old are pre-senile; 60 89 years old age; Longevity is observed at the age of 90 and above. It is worth mentioning that the elderly aged 80 and above are defined as "elderly people", and from the age calculation, people born in 1944 and before the ID card will reach the age of 80 in 2024 and can be called elderly people.
Data shows that by the end of 2022, the number of elderly people aged 80 and above in China has approached 40 million, accounting for about 2 percent of the country's total population7%。According to the "Chinese Population ** Report 2023" released by relevant statistical agencies, it is expected that by 2030, the number of elderly people aged 80 and above in China will reach more than 52 million, accounting for 37%；By 2050, the number of elderly people aged 80 and over will reach 1500 million, accounting for 11%. It can be seen that the burden of old-age care for the elderly may be more serious.
The current situation of the "elderly people".At this stage, the pension status faced by the elderly aged 80 and above is generally reflected in the following aspects: The economy cannot be independent, and the pension level of the vast majority of the elderly is low; Poor self-care ability, or inability to take care of themselves, need financial help, medical services and life care from their families and society;
The infirm, especially the elderly, who are sick for a long time, have greatly increased their medical expenditures. There are more women than men among the elderly, and most of them are widowed.
Obviously, based on the various pension problems faced by the elderly, it is far from enough to rely on families or children to help. In order to help these 40 million elderly people solve the most basic life problems, it is inseparable from the active participation of the social security system. "Preferential" treatment for the elderly
Inclined care for elderly retireesAt this stage, the state has established a normal adjustment mechanism for the basic pension of retirees, and as of 2023, the basic pension of retirees has also achieved 19 consecutive increases since 2005. Moreover, each adjustment will be tilted towards the elderly retirees, and on the basis of the fixed amount and linked adjustment, the basic pension will be increased to the eligible elderly retirees.
Take the adjustment plan of the basic pension of retirees in Jiangsu Province in 2023 as an example, in which retirees who will reach the age of 80 before December 31, 2022, an additional basic pension of 35 yuan per person per month will be issued. In this way, it not only helps the elderly retirees to increase their pension income, but also reflects the state's care and care for the elderly.
The latest rates of Old Age Allowance for 2024In fact, in addition to the elderly retirees can enjoy special preferential treatment, the vast majority of provinces in China have established an old-age allowance system, regardless of whether they are retirees or urban and rural residents, as long as the age exceeds a certain standard can enjoy the old-age allowance treatment. For example, a few days ago, Shanxi Province issued the "Notice on the Issuance of Old Age Allowance", which clarifies that from January 1, 2024, the old age allowance will be issued to the elderly who have household registration in Shanxi Province and are 80 years old and above, and the provincial standards are as follows:
A: 80 89 years old, the elderly in the low-income family, each person receives a monthly subsidy of 70 yuan; The elderly in non-subsistence families will receive a monthly subsidy of 10 yuan per person; B: 90 99 years old, the elderly in low-income families, each person receives a monthly subsidy of 70 yuan; The elderly in non-subsistence families will receive a monthly subsidy of 30 yuan per person;
C: 100 years old and above, 150 yuan per person per month. In addition to Shanxi, other provinces and cities such as Beijing, Shandong, Jiangsu, Zhejiang, Henan, etc. have established an old-age allowance system, although the required age conditions are different in various places, and the specific subsidy standards are also different, but no matter how much, it reflects the special care of the state for the elderly. In addition, it is necessary to remind everyone that the application process for Old Age Allowance is generally as follows:
Step 1: The applicant applies for the Old Age Allowance to the village or community where the household registration is locatedStep 2: After investigation and verification, the village committee or community shall report to the township** or sub-district office.
Step 3: Township ** or sub-district office after summarizing, reviewing, reporting to the county or district civil affairs department Step 4: After the county or district civil affairs department approves, submit an application for funds to the financial department at the same level.
Step 5: The financial department at the same level approves and approves the old-age allowance funds and allocates the old-age allowance funds to the receiving bank, which will issue them on behalf of the receiving bank.
Precautions for "Preferential Treatment for the Elderly".Whether it is the above-mentioned basic pension for elderly retirees, or the old age allowance subsidy system that has been established in various provinces and cities, all need funds, and with the further intensification of aging, these required funds are bound to increase the burden on finances at all levels to a certain extent. Therefore, from this point of view, provinces and cities will be relatively cautious about the inclined care of elderly retirees and the adjustment of the old age allowance subsidy standard to ensure the continued stability of financial funds.
In addition, in the process of policy implementation, provinces and cities need to further improve the relevant systems to ensure that the old age allowance and the increase in the pension of elderly retirees are paid in full and on time. Among them, it involves qualification determination, fund approval, distribution mechanism and so on. Therefore, from the perspective of the elderly, these two precautions are also crucial.
Conclusion February** Dynamic Incentive Plan In general, whether it is the preferential treatment of retirement pensions or the issuance of old-age allowance subsidy funds, for the elderly who were born in 1944 or before and will reach the age of 80 in 2024, they are all good benefits designed to help them solve their basic life. It is no exaggeration to say that it is precisely through the continuous implementation and optimization of these welfare policies that nearly 40 million elderly people have improved their living conditions and improved their happiness index. Moreover, it is worth mentioning that the object of the old-age allowance is not limited to whether it is a retiree who enjoys the basic old-age insurance treatment of urban workers, and we farmers can also apply for it normally as long as they meet the conditions.