Since 2005, my country's employee pensions have been rising for 18 consecutive years, and the pensions of many retirees have risen to considerable levels.

However, looking back at the increase over the past 18 years, it has shown a downward trend year by year. When pensions began to increase, the increase was as high as 10%. However, in recent years, the increase has been reduced year by year, from 5% in 2018-2020 to 2021.

It dropped from 4.5% in 2017 to 4% this year. Therefore, many retirees are worried whether pensions will continue to rise next year.

If the pension is raised, retirees with high pensions will get more money. Is this true?

Below, we look at them in turn.

First, can pensions still increase in 2023?

First of all, let me give you reassurance that employee pensions will most likely continue to rise in 2023, achieving consecutive increases for 19 years.

Mainly three signals have been released.

First, my country's "Social Insurance Law" clearly stipulates that the level of basic pension insurance benefits shall be increased in a timely manner based on the increase in average wages of employees and rising prices.

Second, the income and expenditure of pension funds are guaranteed.

Recently, the Ministry of Human Resources and Social Security responded to the issue of pension fund income and expenditure that everyone is most concerned about, saying that there is a solid material foundation for pensions to be paid out in full and on time. In 2021, the basic pension fund income for enterprise employees will be 4.4 trillion yuan, and fund expenditures will be 4.1 trillion yuan.

The current revenue and expenditure are generally balanced, with a slight balance. Since the beginning of this year, the fund has maintained a stable operating trend.

At the same time, the current cumulative balance of the basic pension insurance fund for enterprise employees is 5.1 trillion yuan, which has strong protection capabilities.

According to the principle of doing your best and living within your means when adjusting pensions, there is a high probability that pensions will continue to rise.

Third, economic development, average employee wage growth, and price increases are relatively optimistic and are all in a state of growth.

Therefore, various signs indicate that retirees’ pensions will most likely continue to be adjusted in 2023.

Second, is it true that people with higher pensions will get more money?

Let me tell you clearly here that it is not true, people with high pensions do not necessarily get more money!

The amount of pension adjustment varies from person to person.

This is mainly because pension increases are affected by many factors. It is not simply the basic pension multiplied by the increase. Most people imagine that people with higher pensions will see more increases. This is mainly because they mistakenly believe that this is how pension adjustments are calculated.

: If the overall increase is 4%, the pension of 3,000 yuan will increase by 3,000 × 4 = 120 yuan, and the pension of 6,000 yuan will increase by 6,000 × 4% = 240 yuan. If calculated in this way, those with higher pensions can indeed increase more. Adjust

The gap will grow wider.

However, this calculation is wrong.

Pension adjustments generally adopt three methods: fixed adjustment, linked adjustment and tilted adjustment. Fixed adjustment is to increase the amount of money for retirees in the same area by the same amount; linked adjustment is linked to the basic pension and payment years respectively, reflecting "the more you pay, the more you get"

and the incentive principle of "pay more for a long time"; the tilted adjustment is to provide preferential care to the elderly, retirees in difficult and remote areas, retired military cadres from enterprises and other poor groups, and increase the pension by an extra amount.

Therefore, how much a retiree's pension can be increased is mainly affected by the following factors: the retiree's location, years of contribution, basic pension, age, etc.

For example, Grandpa Li’s income increased by 190 yuan, which may be caused by a 50-yuan adjustment to the region’s fixed quota, a 50-yuan adjustment to the payment period, a 40-yuan adjustment to the basic pension, a 40-yuan adjustment to the elderly, and a 10-yuan adjustment to the hardship and remote areas.

.

According to the continuity of the policy, when the pension is adjusted in 2023, the three-step method of fixed adjustment, linked adjustment, and tilt adjustment will remain unchanged.

Assume that the pension adjustment plan for 2023 in a certain place is as follows: a fixed amount adjustment of 40 yuan; an adjustment linked to the payment period, with an increase of 1 yuan in the basic pension for every one year of payment years; an adjustment ratio of 1% in the linked basic pension; and an adjustment for the elderly aged 70-80 years old

The increase is 40 yuan for those over 80 years old (including 80 years old), the increase is 80 yuan.

Retirees with high pensions may not necessarily get more money. This is mainly divided into the following two situations. Let’s take a look at it in detail and verify it with examples.

The first one: Retirees with high pensions get more money.

Assuming that Lao Li's basic pension is 6,280 yuan, the payment period is 40 years, and the age is 65 years old, the pension increase is: the fixed amount adjustment is 40 yuan, the linked payment period adjustment is 40 yuan, and the linked basic pension adjustment is 62.8 yuan, with a total increase of 142.8 yuan.

.

Assume that Lao Zhang’s basic pension is 2,800 yuan, his payment period is 25 years, and he is 67 years old. The pension increase is: a fixed amount adjustment of 40 yuan, an adjustment of 25 yuan for the linked payment period, and an adjustment of 28 yuan for the linked basic pension. The total increase is 93 yuan.

.

It can be seen that Lao Li, who has a high pension, has an advantage due to the adjustment of the linked basic pension and the linked payment period. In addition, both of them have not reached the age tilt condition. Therefore, Lao Li, who has a high pension, has an advantage over Lao Zhang, who has a low pension.

An increase of 49.8 yuan.

The second type: Retirees with high pensions will see less money increase.

Assume that Lao Li's basic pension is 6,280 yuan, his payment period is 40 years, and he is 65 years old. The pension increase is: a fixed amount adjustment of 40 yuan, an adjustment linked to the payment period of 40 yuan, and an adjustment to the basic pension linked to 62.8 yuan. The total increase is

142.8 yuan.