According to public reports, the national overall planning of basic old-age insurance for enterprise employees has been implemented since June 5438 +2022 10. The national overall planning of basic endowment insurance for enterprise employees is mainly divided into three stages:
In the first stage, since the establishment of China's endowment insurance system in the 1990s, the overall planning level has been gradually improved from the county level.
In the second stage, by the end of 2020, all provinces have realized the unified collection and expenditure of provincial-level overall funds, which has solved the problem of unbalanced fund burden between provinces and inland areas.
In the third stage, from June, 20438 to October, 2022, the basic old-age insurance for enterprise employees will be coordinated nationwide to ensure that pensions are paid in full and on time.
According to incomplete statistics, by the end of 20021,the number of people participating in the basic old-age insurance in China had reached 103 billion, among which 420 million people participated in the basic old-age insurance for enterprise employees.
Among them, the income of the basic old-age insurance fund for enterprise employees consists of the basic old-age insurance premium paid by the unit and employees, the interest income of the basic old-age insurance fund, the entrusted investment income, financial subsidies and other income.
As of 202 1, the income of the basic endowment insurance fund for enterprise employees is about 4.4 trillion yuan, and the fund expenditure is about 4. 1 trillion yuan, and the fund operation is generally stable.
According to public reports, the main reasons and purposes of implementing national overall planning of endowment insurance include three aspects:
First, due to the uneven development between regions, the differences in economic development level and population age structure, the structural contradictions of pension funds among provinces are increasingly prominent, and some provinces have more fund balances, but some provinces with relatively aging populations have greater expenditure pressure on pension funds.
Second, a central regulation system has been established. As the first step to achieve national overall planning, China began to implement the central fund adjustment system in 20 18. From 20 18 to 20021year, during the four years when the central adjustment system was implemented, * * * inter-provincial adjustment funds reached more than 600 billion yuan, of which the inter-provincial adjustment scale in 20021year reached more than 2 100 billion yuan, which strongly supported the difficult provinces to ensure the timely and full payment of pensions.
Third, a national unified social insurance public service platform has been built. The social insurance public service platform was officially launched on 20 19, which provides services such as social security inquiry, enrollment registration, transfer and continuation, unemployment relief, etc. for the insured, and it is more convenient and quick to handle social security business.
Recently, some retirees have reported that pensions in 2023 may usher in four "unifications", delaying retirement or continuing to "postpone". Is it true?/You don't say.
According to the feedback from retirees, pensions may usher in four unifications. This news mainly includes four aspects:
First, the examination and approval methods and rules for pension benefits will be unified.
Second, the national pension fund will realize the unified planning of unified income and expenditure.
Third, social security cards will be used uniformly in the issuance of national pensions.
Fourth, the pension payment time of all retirees in the country is unified.
First of all, the examination and approval methods and rules of pension benefits will be unified. According to public reports, the pension integration of government agencies and institutions has been implemented since 20 14, and a transition period of 10 has been set up to realize the same basic old-age insurance system for government agencies and institutions and enterprise employees.
Although there are still differences in the approval methods and rules of pension benefits in some areas, they are gradually transitioning to a unified national pension approval method, including Guangdong and Jiangsu.
By the end of 2020, all provinces in China will realize the unified collection and expenditure of the basic old-age insurance fund for enterprise employees at the provincial level, which will solve the problem of unbalanced fund burden in the inland areas of the province and basically solve the situation that different cities in the same province have different approval methods and rules for old-age benefits.
Among them, the "Notice on Adjusting the Basic Pension for Retired Persons in 2022" issued by Ministry of Human Resources and Social Security and the Ministry of Finance clearly stipulates that without the approval of Ministry of Human Resources and Social Security and the Ministry of Finance, the basic pension level of retirees shall not be raised by themselves, and the treatment level shall not be raised in disguise by setting the minimum pension standard.
Therefore, the examination and approval methods and rules of pension benefits in various regions of the country will be gradually unified, but the specific implementation time is not clear, subject to the release of local policies.
Secondly, regarding the plan that the national pension fund will realize unified revenue and expenditure, due to the uneven development of various regions in China, there are differences in the level of economic development and the age structure of the population, the structural contradictions of pension funds among provinces are increasingly prominent. Some provinces have large fund balances, but in some provinces with relatively heavy aging population, the expenditure pressure of endowment insurance funds is greater.
By the end of 2020, all provinces in China will realize the unified collection and expenditure of the basic old-age insurance fund for enterprise employees at the provincial level, thus solving the problem of uneven fund burden among provinces.
The national overall planning of the basic old-age insurance for enterprise employees, adjusting the surplus and deficiency of the current cross-regional old-age insurance funds nationwide and ensuring the timely and full payment of pensions will solve the structural contradictions of the funds within the system and make the payment of pensions in difficult areas more secure.
In addition, according to the work report of the Shanghai Municipal Government in 2023, regarding the strengthening of old-age services and social security, it is clearly proposed to improve the social security system, implement the national overall planning of basic old-age insurance and other institutional reforms, and make overall plans to improve the social security treatment standards such as old-age care, medical insurance and subsistence allowances.
According to the above situation, in 2023, it is expected that all regions in China will continue to implement the system reform of national overall planning of basic old-age insurance, but when the national old-age insurance fund will realize unified collection and expenditure has not yet been determined, subject to the policy release.
Thirdly, according to public reports, by the end of 20021,the number of social security card holders in China was 654.38+35 million, covering 95.7% of the population.
In June 2022, Ministry of Human Resources and Social Security released the main progress of human resources and social security in the third quarter of 2022. The data shows that by the end of September, the number of social security card holders was 65.438+36.5 million, and the number of electronic social security cards exceeded 640 million, and the application scope continued to expand.
The state and the province uniformly promote the application requirements of social security cards and promote the use of social security cards to issue pension benefits, with the aim of gradually standardizing the payment of pensions through social security cards and improving the security of obtaining benefits.
Although the use of social security cards to receive pension benefits or other social security benefits is being promoted in all parts of the country, there are still many areas that can retain the original way of receiving pensions in order to take care of some elderly people with special needs, that is to say, pensions can be distributed through the original channels without replacing social security cards, including retirees over 80 years old who have lost their mobility and have no ability to take care of themselves, and retirees who have lived abroad for a long time after retirement.
According to the above situation, it is a trend that social security cards will be used uniformly in the national pension payment, and its main purpose is to improve the security of social insurance benefits and the convenience of retirees.
Finally, according to public reports, the basic old-age insurance for enterprise employees is coordinated nationwide, aiming at solving the structural contradiction of the fund from the system, and the pension payment in difficult areas is more secure.
Furthermore, it solves the problem that the structural contradiction of endowment insurance funds among provinces is increasingly prominent due to the imbalance of regional development, the level of economic development and the age structure of population in China. After the implementation of the national overall planning system, the current balance and shortage of cross-regional endowment insurance funds will be adjusted nationwide, thus ensuring the timely and full payment of pensions.
According to the above situation, the national overall planning of basic old-age insurance for enterprise employees did not mention the unification of pension payment time for all retirees in the country.
Therefore, in view of the above situation, in 2023, pensions may usher in four "unification". Such information is inaccurate, subject to the release of local policies.
In addition, although delayed retirement has been mentioned many times, as for whether and when delayed retirement will be implemented, and which regions will take the lead in implementing it, as of June 5438+ 10, 2023, no specific implementation policies and measures have been issued in various regions of the country.
Therefore, the news of delaying retirement or continuing to "postpone" in 2023 has no reference significance. The news about delayed retirement is subject to the release of local policies.
Based on the above situation, the pension in 2023 may usher in four "unifications", postpone retirement or continue to "postpone". This news is incorrect. Retirees need to carefully screen relevant information to avoid being fooled.