How big is the gap between the retirees of government institutions and the middle-income group?
In 2014, the state made a major adjustment to the pension insurance for enterprise employees, the main contents include: payment methods, payment methods, etc. After the restructuring, the employees of the enterprise can be divided into four types: retired employees, employees in the transitional period, employees outside the transitional period and employee employees. In this transitional period of the decade, the difference between enterprise annuity and enterprise annuity has attracted widespread attention, controversy continues, and discussion has not subsided.
In our community, there are two retired civil servants, one is Uncle Wang and the other is Uncle Li. is also 41 years old, but the age gap between the two is more than ten years. Uncle Wang retired in 2009, and Uncle Li will not officially retire until 2023. Although the pension of the two is almost more than 6,000 yuan, Uncle Wang is still a little dissatisfied. He felt that with the same number of years of service, the difference between his initial pension and today's average pension was too great. For so many years, his pension was only about the same as Uncle Li's, which made him feel very unbalanced.
Therefore, in the adjustment of the pension system for retirees of public institutions, how big is the difference between the old and the old? What's going on?
Difference in contributions. Compared with the pension of employees before retirement and after retirement, the pension of employees is mainly subsidized, rather than paid by individuals. After the implementation of the pension system, retirees are required to pay pension insurance at a fixed rate (16% for units and 8% for individuals), that is, the pension of employees includes a part of individual contributions and accumulation. This change in the system will inevitably increase the pension base of retirees, which in turn will result in a gap between retirees and retirees.
Treat discrimination. The difference between supplementary pension insurance and social security, that is, occupational annuity, is a supplement to the basic pension insurance.
And those retirees, as long as they pay the higher the amount of insurance, the higher their pension. And those who retired before the reform, because there is no pension insurance, they cannot get more pension in their own pension.
Differences in pension insurance benefits.
The calculation method of the new and old enterprise annuity is also adjusted accordingly compared with the calculation method of the new enterprise annuity.
Before the restructuring, the calculation method of pension was relatively simple, based on the length of service and the level of work. However, for middle-aged and elderly people, the basic situation is more complicated, and it is necessary to look at not only the years of service, but also the years of service, the length of service, and the amount of contributions. This change makes pensions more reasonable for retirees, but it also creates a difference between them and retirees.
Conclusion. The reality of enterprise annuity differences and the promotion of institutional reform are not only a policy change, but also an important manifestation that fully reflects social justice. The difference between an enterprise annuity and an enterprise annuity exists objectively, and there is a certain amount of truth. This difference reflects a fundamental criterion, which is that the more you pay, the more you pay, the more you pay.
However, China's pension insurance system is gradually improving, and this difference is gradually decreasing. We have every reason to believe that in the process of deepening, China's basic pension insurance system will become more fair and reasonable, so as to better meet the expectations of the public.
When we are concerned about the difference between enterprise annuity and enterprise annuity, we should pay attention to the continuous improvement of the enterprise annuity system. This is a long-term process, and it is also a process of continuous improvement and improvement. Let's look forward to that day together.