The pension recalculation is about to begin, and how much to calculate it
With the aging of the population, the pension issue has attracted more and more attention. In recent years, in order to better protect the lives of the elderly, the state has continuously adjusted the pension policy. Recently, a pension recalculation is about to begin, which means that pensions will be recalculated to better reflect the current economic situation and the cost of living. So, how much does the pension recalculation rise? Let's take a closer look.
1. What is pension recalculation?
Pension recalculation refers to the recalculation of pension benefits according to factors such as economic growth and prices, so as to ensure that the living standards of the elderly are guaranteed. Usually, pensions are adjusted every year to adapt to changes in the economic situation.
Second, how much will the pension recalculation rise?
The increase in pension recalculation depends on a number of factors, including economic growth, prices**, wage growth, etc. The specific increase needs to be determined according to the economic situation and decision-making of the year. In general, pension increases will keep pace with economic growth and prices** to ensure that the standard of living of the elderly is guaranteed.
3. How to calculate the treatment after pension recalculation?
1.The basic pension calculation formula: basic pension = (the average monthly salary of the province's on-the-job employees in the previous year + the average monthly indexed salary of the employee) 2 The payment period is 1%. Among them, the indexed average monthly payment wage = the average monthly salary of the province's on-the-job employees in the previous year and the average payment index of the person.
2.The formula for calculating the personal account pension: personal account pension = personal account balance and the number of months of calculation. Among them, the number of months is determined according to the retirement age and the average life expectancy of the population at that time.
3.Calculation formula of transitional pension: transitional pension = average indexed monthly contribution salary of the person deemed to have paid for the transition coefficient. Among them, the transition coefficient is determined by the local ** according to the actual situation.
4. How to ensure the sustainability of pensions?
With the increase of the aging population, the pressure on pension expenditure is gradually increasing. In order to guarantee the sustainability of pensions, the following measures can be taken:
1.Increase the pension insurance rate: By increasing the pension insurance rate, the income of the pension insurance can be increased, so as to better support the expenditure of the pension. However, increasing the pension insurance rate will cause a certain burden on enterprises and individuals, and decisions need to be made on the basis of balancing the interests of all parties.
2.Extending the retirement age: By extending the retirement age, the labor force participation rate can be increased, which in turn can increase the income of pension insurance**. At the same time, extending the retirement age can also reduce the pension burden of the elderly population and improve the level of old-age security. However, extending the retirement age may have an impact on an individual's career development, and various factors need to be fully considered when formulating policies.
3.Strengthen supervision and management: By strengthening the supervision and management of pension insurance, the safety and compliance operation of the pension insurance can be ensured. At the same time, strengthening supervision and management can also prevent the abuse or misappropriation of pension insurance, so as to ensure the sustainability of pensions.
4.Promote personal savings endowment insurance: personal savings endowment insurance is a voluntary form of endowment insurance, which reserves for one's own pension through personal savings. The promotion of personal savings endowment insurance can increase people's pension security level and reduce the pension burden of the state and enterprises. At the same time, personal savings pension insurance can also promote the diversified development of the financial market.
In short, the pension recalculation is about to begin, and the increase needs to be determined according to the economic situation and decision-making. In order to ensure the sustainability of pensions, it is necessary to take a variety of measures to strengthen supervision and management, and promote personal savings pension insurance. At the same time, individuals also need to actively participate in the old-age security system and make reserves and plans for their own pension.