However, generally speaking, the pension fund treatment is not everyone's monthly pension level. In addition to paying the basic pension, the endowment insurance fund will also pay the funeral allowance, pension and personal account balance of endowment insurance after the death of the insured, and in some places there are subsidies for supporting relatives. In addition, some local subsidies are also borne by pension funds, such as winter heating fees, holiday fees and price subsidies. In fact, people's pension level is around 3000 yuan.
The benefits paid by the basic endowment insurance fund for employees actually include the pension benefits for retirees of enterprises, institutions and institutions. Relatively speaking, the pension benefits of retirees from government agencies and institutions will be higher.
In June, 20021year, Zhang Jinan, Minister of Ministry of Human Resources and Social Security, stated in the article "Starting a New Journey of High-quality Development of Social Security" that the pension insurance benefits for enterprise retirees in China will rise from 20 12 years to about 2,900 yuan in 2020. In 20021year, the pension level of retirees rose by 4.5% again, and it is estimated that the per capita pension level of enterprise retirees will also reach 3000 yuan.
If half of the people's pension level is less than 3000 yuan, this group has about 64 million people.
However, we should not forget that there are still 654.38+60.68 million elderly people in China who are receiving old-age insurance for urban and rural residents. They are older, and the time for urban and rural residents to receive old-age insurance is 60, while employees' old-age insurance can retire at 55, 50 or even earlier.
If all the elderly are counted, only about 22% of the elderly have a pension of more than 3,000 yuan.
Hello, landlord, how many people have a monthly pension of less than 3000 yuan, and what is their life like? It is normal for a pension to be less than 3,000 yuan. Some of us may think that the pension benefits are relatively low, but in fact it is not a very low level, especially for an individual who retires from an enterprise. Often, his initial pension after retirement is less than 3,000 yuan, and this year, the average pension benefits of an enterprise have been announced, which is about 2,900 yuan, obviously less than 3,000 yuan.
Therefore, a pension of less than 3,000 yuan is not a particularly low level. Relatively speaking, it is a relatively mainstream level, because a considerable number of people are in such an income state. However, our pension has one feature, which does not mean that it has not changed. Maybe your initial pension level is relatively low, but from the second year after retirement, you will get a normal increase in pension, and your pension level will only get higher and higher in the future.
As for the life after retirement, this will vary from person to person, depending on your family background, but also consider the overall income factor of the individual, that is, the per capita income factor of the family. If you have a pension of 3,000 yuan, your wife also has a pension of 3,000 yuan, your children have better working conditions and income in all aspects, and the overall income of the family is relatively stable, then your life is naturally better. On the other hand, if you are the only one in the whole family who has this 3,000 yuan pension, and your wife has no pension, then life will definitely be a little stretched.
Workers in local enterprises and factories with poor benefits can barely meet their own living expenses if they do not bear the expenses of their children and grandchildren.
1 1 year of illness, 28 years of service, now the pension is 2300 yuan, the wife's service is 19 years, and the pension is 1600 yuan. Living in a first-tier city with children after retirement. Fortunately, I have a child to make it up for me, otherwise it will definitely not be enough, but I am in good health, otherwise I can't afford this medicine!
Well, at present, the national per capita pension level is around 3,300 yuan, which is the average pension level of all people, including retired employees of government agencies and institutions. However, for enterprise retirees, especially flexible employees, the pension is mostly less than 3,000 yuan, which should account for more than 80%.
We should know that the pension itself is linked to the individual's pension insurance payment period and pension insurance payment level. If the salary level before retirement is not high or the level of pension insurance paid is not high, the pension you get will definitely be less. It is unrealistic to imagine that the pension income will exceed the salary or be higher than the income before retirement.
As for the pension below 3000 yuan, how to provide for the aged depends on the individual's pension conditions, such as local living costs and personal savings. This varies from person to person. Some people may live well with a pension of less than 3000 yuan, while others are struggling.
@ jingjingjingjing, thank you for reading.
I retired for 13 years, and my salary increased by 12 times. I'm only in my early 3000 s. I can only eat and dress, and I can't get sick. When I get old, I need 5000 yuan to go to a nursing home. If my salary goes up again, the cost of the nursing home will also go up, so I can only sell my house and go to the nursing home when I am old. There are more than 300 chaperones on a hospitalization day, and they have to eat, so they can't be hospitalized. It is not enough to hire someone to take care of it at home.
I saw some people with a pension of more than 3,000 yuan doing temporary or hourly jobs in Hefei. This is not to say that they are difficult, but because they do temporary or hourly jobs and then get paid once a day. For some retirees, doing temporary or hourly jobs, on the one hand, subsidizes the expenses at home, on the other hand, they don't want to be idle. If you are tired, have a rest. If you are not tired, do temporary or hourly jobs.
Indeed, there are not a few people with a monthly pension of less than 3,000 yuan, and there is a big gap in pensions for retirees in different regions. Facing the reality, people who earn less than 3,000 yuan still have their own way of life and attitude towards life. First of all, optimism is the premise, and not keeping up with the joneses is also the key psychology. They are still interested in this kind of retirement life by contacting retired old colleagues and neighbors more, complaining less, actively participating in various activities suitable for the elderly and maintaining a positive and optimistic mood.
It should be said that at least half of the people's pensions are below 3000. Still barely enough for your own use.
At least more than 50% of retired people have a monthly pension of less than 3,000 yuan, but their living standards can not be determined by just marking this figure. Different places, different levels and living standards vary greatly. However, according to the national per capita income, a monthly income of 3,000 yuan should be enough to maintain a moderate living standard.