Introduction:
With the implementation of China's postponement of retirement system, the annual social insurance contributions are in the first place, which will be in three dilemmas for flexible employees: one is to extend the minimum payment period, the second is to increase the annual insurance cost, and the third is to shrink the work. The above problems place a great burden on the incumbents, leading to a high possibility of waiver of insurance. During this important period, the human resources and social security departments should introduce corresponding measures to reduce the burden on incumbents and provide them with better old-age security.
Extension of the minimum number of years of payment.
Previously, employees who paid 15 years of pension were entitled to retirement benefits, but now with the implementation of deferred retirement, it can be extended to 20 years. This is a heavy blow to people who are already covered by health insurance but do not have enough intention to participate in a pension plan. They originally wanted to retire at the age of 60, but now they may have to delay it until 65. Under various pressures, there is a good chance that they will withdraw from the policy.
If working people recognise that they have to pay for a few more years to receive a pension, they will express disappointment as to whether they want to enroll in insurance and pay premiums. A lot of self-employed and self-employed people are burdened with a lot of finances and work hard to make a living. If the deferred retirement system is implemented, it is necessary to have a long working experience, which will have a profound impact on the development of one's life and career. And for those who put a lot of energy and energy into their careers, delaying retirement puts more financial and mental stress on them and makes them feel unjust.
Annual insurance costs rise.
And for those who have jobs, they are confused by the rising cost of insurance every year. Especially in 2024, this number will be as high as more than 10,000, which is definitely a lot of money for a family. Those who are approaching retirement expect to increase their contribution base so that they can receive a higher pension when they retire. However, there is a big difference in the perception of those who are working, and they expect to reduce the contribution base so as to reduce the contribution and reduce the financial burden. Although there are hardship allowances such as 4050 and 4959, very few people receive them, and these benefits come from very difficult families. Therefore, the implementation of the postponement retirement system has to a large extent caused the withdrawal of some incumbents.
Flex workers are often faced with uncertain wages and job opportunities. They often have to pay high out-of-pocket insurance premiums and medical expenses, and they do not have fixed social security benefits, such as compensation for unpaid holidays and pensions. Due to the precarious nature of their work, flexible workers usually adopt the practice of reducing insurance premiums when applying for insurance, so as to leave more room for their survival and career development. However, after the implementation of the "postponed pension" system in China, the increase in the level of social insurance contributions will bring greater economic pressure to migrant workers. This makes them even more hesitant about whether to insure, whether to make informed decisions about their financial conditions and the future.
The employment situation is becoming increasingly tight.
One important factor is that jobs in the labour market are becoming increasingly difficult to find, especially for older people in their 50s, who are less likely to get a permanent job. However, with the implementation of China's pension insurance system, China's pension insurance system reform is also gradually advancing, and the reform of China's pension insurance system is imperative. If retirement is delayed, it will increase the situation of flexible workers in some jobs, causing a greater physical and mental burden, which in turn will lead to their reluctance to participate in insurance. Therefore, before the implementation of the delayed retirement system in China, the human resources and social security departments should introduce a series of measures to provide better pension security for incumbents.
People with flexible careers are always hovering on the edge of the job market, struggling to find new jobs and programs. However, due to the reduced job security of traditional companies and the uncertainty of new industries, these companies are facing more and more market competition. Delaying retirement will lead to more and more people losing their jobs in the economic crisis, and those with flexible jobs will be hit the hardest. While these companies are struggling to adapt their way of working, it can be a challenge to gain a competitive edge in this competitive labor market. Therefore, when China implements the delayed retirement system, it should start from increasing jobs, increasing support and protection for flexible workers.
The conclusion was reached:
The introduction of a deferred retirement system may bring about a big change for flexible workers. The difficulties they face are that their minimum years of service have been extended, the cost of insurance has risen every year, and the competition for jobs has become more intense. The above problems have caused a large economic and mental burden, and also increased the possibility of withdrawal from insurance. During this important period, the Ministry of Human Resources and Social Security of the People's Republic of China should formulate corresponding measures to reduce the financial burden of incumbents and provide them with better old-age security. As a result, China's basic old-age insurance system has reached an overall balance, so that the rights of every citizen can be protected to the greatest extent.
Biography: As a flexible worker, I feel the impact of delayed retirement. The double burden of job instability and money has exhausted us physically and mentally, and the implementation of "postponing retirement" has added new difficulties to us. Therefore, I think that for people who have jobs, we should give them more attention and protection. We can meet this challenge by reducing insurance costs, providing jobs, and providing vocational training. On this basis, it is necessary to strengthen its own competitiveness, expand its work channels, and make preparations for its own pension and retirement. In order to make China's social security system more just and more perfect, we must start from both the state and the individual.