China is a country with a well-established pension system, and the pension itself is also an important part of the social welfare system and the pension insurance system.
But now China's pension system is facing greater pressure, because China's aging problem is quite serious.
So in order to be able to better serve the people, in order to be able to ensure the interests of the majority of people,China's pension itself is the implementation of differentiated management.
To put it simply, pensions are divided into levels, and now there are six different levels of pensions in China. Today we will take a look at what these six levels are.
Let's first understand how the relevant departments divide the level of pensions. In essence, the classification of pensions should be adjusted in a timely manner based on different factors such as the number of years of individual contributions, the total number of contributions and local pension policies, and the total amount of pensions should be determined. Roughly speaking, pensions are divided into six different levels. Generally speaking, the higher the level, the higher the corresponding pension amount.
So what kind of services do different pension levels enjoy? Let's find out now.
The sixth level of pension, which is relatively low. If you enjoy this level of pension,It means that the elderly who pay pensions have a relatively short payment period.
There are many possibilities for a short period of contributions, such as short working hours, and for example, they may have worked for a long time before the advent of the pension system, and they did not make pension contributions during this period.
Therefore, the amount of pension in the lower grades is not particularly highThe sixth-level pension doesn't cost much money a month, and it can't even meet the needs of daily life.
Let's now talk about the fifth tier of pensions. The pension of the fifth tier is compared to the pension of the sixth tierIt has a longer payment period and a higher payment base. So for these people, they are often able to get a higher pension amount as well.
The pension from the fifth level is almost able to meet the daily needs of the elderly. But it is still very difficult for the elderly to live a good lifeAfter all, the fifth-level pension is also a basic pension.
The fourth-level pension is essentially different from the first two levels of pension, because the elderly who pay the fourth pensionThere are often more than 15 years of working time and a time limit for pension contributions.
Therefore, their contribution base is relatively long, and the fourth-level pension is enough to make some luxury consumption while meeting daily life.
And for these elderly people who can receive the fourth level of pension, their units are relatively fixed, so they can still get a pension in daily life. With a pension, there will certainly be no problem in daily life.
Pension of the third class. It is almost the pension that some workers or the elderly in well-off families can receive.
Their living environment itself is quite good, and they have a fixed unit, so those who can get a third-level pension should still live very well in their later years if they have property and enough money at home.
The second-class pension and the first-class pension, which are above the third level, are the middle-aged and elderly people of the upper middle class and the upper class, respectively. Some upper-middle-class seniors,You may have tens of millions of assets in your home, and you may have multiple properties in the city.
Most of the people who can get a first-level pension are some middle- and high-level leading cadres.
Their level is in place, so the benefits they enjoy after retirement are the best. Well for those ordinary middle-aged and elderly people,What are the ways to increase your pension level?
For those who have no background and no assets, raising their pension is a good way to ensure their old age.
And how to increase the pension is particular, because the total amount of pension is related to the ability of the elderly to workThe contribution at a young age is closely related.
As long as the payment time is long and the payment base is large, the number of pensions that can be obtained in the future will be more.
But in fact, for many middle-aged and elderly people, if they really have so much money to pay pensions, they don't have to worry that the number of pensions they get in the future will be too small.
Now some people feel that China's pension system is not very scientific, the total amount of distribution is too small, and those who have money can receive morePeople who don't have money don't get much, which is a bit unfair in itself.
Therefore, many people have called on the state to carry out targeted pension reform to provide more pensions for those with low incomeMeet their needs in their later years.
However, this view can only take into account the interests of some people, but in the long run, it is not good for those who need to provide for the elderly.
Suppose that if the current pension levels are adjusted one by one, those who have paid less pensions in low-income groups will be given high pensions, and those who have paid high pensions will be given low pensions. This creates a serious problem.
That is, the gap in pension funds will expand, after all, for those who have spare money and are willing to pay pensions, the amount of pensions they pay every month is thousands of yuan, but they can only get one or two thousand yuan a month after retirementSo what is the need for them to pay pensions? It can't be said to be a so-called social obligation, right?
Therefore, the more you pay, the more you end up getting, which is a normal trend that conforms to market rules and human nature.
The mandatory requirement for the state to adjust the pension policy and issue more subsidies to the elderly who lack money will discourage the enthusiasm of those who pay pensions, and ultimately cause more bad consequencesThe amount of pension that many low-income elderly people get is not as good as before.
And what we can see is that the state invests a lot of resources in pensions every year.
In order to ensure the daily life of those with low incomes, the state contributes a part of the money every year to subsidize the pension systemSend money to those seniors.
The amount of pension paid out every year is more than the amount of pension paid, and the extra part is paid by the state.
China's financial expenditure on various insurance systems is already quite small, and if we continue to expand expenditure, it will cause a series of other problems. For example, slowing down the pace of social development, and so on.
Therefore, improving the social insurance system and providing more social welfare guarantees for the elderly is itself a rigorous scientific and social issueIt is not something that can be solved casually, it requires the joint efforts of everyone.
In fact, for many elderly people, don't expect to live on pensions. Pensions can only meet the basic needs of life, but there is no way for the elderly to live a good life.
If you want to really solve the problem of pension difficulties, for some elderly people, what they should do is to accumulate more assets when they have the ability to work, and do a good job in reasonable asset allocation and asset planning, so as to ensure that they can retireIt is possible to avoid problems with living and finance.
Sometimes you can't give all the money to your children, because their children may not be reliable and may not be able to earn money all the time.
Nowadays, many elderly people in China are penniless when they are old and cannot even afford to eatIt happens that when they are still able to work, they give most of their income to their children.
For example, let the child go into business, let the child buy a house, etc. But in the end, this has led to a series of bad consequences, not only will it not solve their real economic problems, but it will also make life more difficult for these people in their daily lives. So there's really no need for that.
Most seniors shouldn't worry so much about their children. They raise their children from childhood to adulthood and provide them with the best social educationThe best resource, but there are still a lot of people who don't break out.
This has nothing to do with the parents, it is these children who do have their own problems. For example, their ability to work is too poor, and so on.
Seniors once entered.
At the age of fifty or sixty, you should think about the futureSaving more money is also so that you can live a better life.
The state will introduce a targeted pension strategy, just to provide a basic living guarantee for the elderly who are living in difficulty, but expecting the pension to live a good life is tantamount to a fool's dream. Therefore, if you have this time to think about why the state does not increase the total amount of pensions, it is better to find a way to work in the capacityWhen you are young, you can earn more money, this is the right way.
Many of today's elderly people can only live to be in their 70s, but it is not a medical problem, nor a physical problem, but because they have psychological problems. They work too hard and want to help their children solve all their problems, but that in itself is not right.
It is impossible for people to live for a lifetime without encountering problems, and it is the norm to break through problems when encountering problems. Therefore, I also hope that those elderly people who are about to retire can change their minds as soon as possible, they should think about their future, and they can't let themselves arrive.
At the age of 60 or 70, you have to go out and find a way to find a job to make ends meet! It's unnecessary.