With the intensification of the aging of the population, the pension system has become the focus of social attention. In recent years, in order to ensure the quality of life of the elderly, China's top enterprises have continuously raised pensions, so that more elderly people can enjoy the benefits brought by economic development. However, in the pension adjustment in 2024, there are three categories of elderly people who are unfortunately excluded, which is very regrettable.
First of all, let's understand the basic situation of pension adjustment. Pension is an important guarantee for the elderly in their later years, with the continuous development of China's economy, the amount of pension is also increasing year by year. The pension adjustment package for 2024 has been released, and more elderly people are expected to benefit.
However, in the pension adjustment, there are three categories of elderly people who are unfortunately excluded. The first category is retirees under the age of 60. According to the current pension system in our country, only people who have reached the age of 60 can receive a pension. As a result, retirees under the age of 60 are not eligible for the pension increase.
The second category is the family members of deceased retirees. Dependents of deceased retirees would have continued to receive pensions and funeral expenses for a limited period of time, but these expenses were not included in the pension adjustment. As a result, the dependents of deceased retirees do not benefit from the pension increase.
The third category is the insured persons of urban and rural residents' pension insurance. The old-age insurance for urban and rural residents is different from the basic old-age insurance for employees, and the treatment of its insured personnel is relatively low. Although the participants of the urban and rural residents' pension insurance are also eligible to enjoy the benefits of the pension increase, due to their low payment standards and treatment levels, the actual benefits they can enjoy are relatively few.
For these three types of seniors, it is a pity that they will not be able to enjoy all the benefits of the pension increase in 2024. Especially for the elderly whose families are in financial difficulties and living in poverty, it is a heavy blow. Therefore, measures should be taken to further improve the pension system, so that more elderly people can enjoy the fruits of economic development.
First of all, we can increase investment in the pension insurance of urban and rural residents, and improve their payment standards and treatment levels. In this way, the participants of the old-age insurance for urban and rural residents can also enjoy more pension benefits and improve the quality of their old life.
Secondly, relevant policies can be introduced to encourage enterprises to purchase commercial pension insurance for employees. Commercial endowment insurance is a kind of supplementary endowment insurance, which has a high level of payment standards and treatment, and can provide better old-age security for employees. By encouraging enterprises to purchase commercial endowment insurance, the pressure on pensions can be reduced, and more employees can enjoy better pension security.
Finally, it is possible to increase the pension for the families of deceased retirees and improve their pension standards and coverage. In this way, the quality of life of the families of deceased retirees can also be improved, reducing their financial burden.
In short, measures should be taken to further improve the pension system, so that more elderly people can enjoy the fruits of economic development. At the same time, we should also strengthen publicity and education to improve the insurance awareness and self-protection ability of the elderly, so that they can better enjoy their old age.