Since 2005, China's employees' pensions have increased continuously 18, and many retirees' pensions have risen to a considerable level. However, looking back at the increase from 18, it shows a downward trend year by year. At the beginning, the increase was as high as 10%, but in recent years, the increase has been decreasing year by year, from 5% in 20 18 -2020 to 4.5% in 202 1 year, and it has dropped again this year. If it is raised, retirees with high pensions will increase their money. Is it true?/You don't say. Next, let's look at it in turn.
First, can pensions rise in 2023?
First of all, give everyone a reassurance. In 2023, the employee pension will continue to rise, achieving a sustained growth of 19. Released three main signals.
One is
China's "Social Insurance Law" clearly stipulates that the level of basic old-age insurance benefits should be raised in a timely manner according to the average wage increase and price increase of employees.
The second one is
The income and expenditure of pension funds are guaranteed. Recently, Ministry of Human Resources and Social Security responded to the issue of the income and expenditure of the pension fund that everyone is most concerned about, saying that there is a solid material foundation for the timely and full payment of pensions. In 20021year, the income of the basic endowment insurance fund for enterprise employees was 4.4 trillion yuan, and the fund expenditure was 4. 1 trillion yuan. The balance of income and expenditure in the current period is generally balanced, with a slight balance. Since the beginning of this year, the fund has remained stable. At the same time, the accumulated balance of the basic old-age insurance fund for enterprise employees in the current period is 5 1 trillion yuan, which has strong guarantee ability. According to the principle of living within our capabilities and living within our means, pensions will probably continue to rise.
The third is
Economic development, average wage increase of workers and staff, and rising prices are all optimistic, and they are all in a state of growth. Therefore, there are indications that the pensions of retirees will continue to be adjusted in 2023.
Will retirees get a raise in 2023?
In 2023, retirees will have a high probability of raising their wages. Because. With the development of national economic construction. Everyone's average salary will increase. In addition, according to the current situation, social prices will still rise to some extent in 2022. In order to ensure the quality of life of retirees. Retirees' pensions will increase to some extent in 2023. But the magnitude may be lower than that in 2022.
It should go up again. As prices rise, so do wages.
Retired in March 2022, can I get a raise this year?
The object of pension adjustment in 2022 is those who have retired and received pensions before 2002165438+February 3 1. Those who retired in March 2022 will not be included in this year's adjustment and will not raise their pensions. However, the average wage of employees in 20021year was not published in March 2022, so the pension is calculated according to the average wage of employees in 2020. 202 1 After the introduction of the average wage of employees, it will be recalculated, and after calculation, it will be refunded more and supplemented less.
Whether retirement wages will rise in 2022 depends on the average personal contribution index. The average individual contribution index is the annual average of the ratio of the actual contribution base to the average social wage. The lower limit is 0.6 and the upper limit is 3.
Therefore, in the two calculation methods of pension, in any case, the higher the payment base, the longer the payment period and the higher the pension. Pensions are provided indefinitely, and recipients can enjoy monthly pension benefits as long as they are alive. Even if the pension in the personal account has been used up, the basic pension will continue to be calculated and paid according to the original standard. In addition, the personal pension will increase year by year according to the increase of the average monthly salary of on-the-job social workers.
Matters needing attention in retirees' salary increase
1 The above calculation method is the same as the Design of Basic Endowment Insurance System in China, but the parameters are modified (study the correlation and continuity of adjustment data, because isolated data is meaningless).
The age subsidy rate of old-age insurance is 0.25% (for example, reducing the age subsidy rate can be used to adjust the relationship between the deemed payment period and the payment period, and to solve the problem of whether there is an individual paying a transitional pension in the basic old-age insurance). The labor subsidy rate is equal to 50% of the percentage of labor pension (for example).
The amount of labor pension depends on the accumulated payment period of individuals. The percentage of labor pension can be 1.0% or 1.2% or 1.4% (for example), in which 1.0% is used to reduce the current pension level of most retirees and 1.4% is used to improve the pension level of most retirees. However, the result is fair, with more people and fewer people. It should be suitable for the development of national economy and can effectively control the pension gap.
The amount of personal savings depends on the amount of basic old-age insurance premiums paid by individuals, and the amount of personal account savings is the part paid by individuals, just like bank savings. Since individual contributions only appeared after the reform of the old-age insurance system, the individual contributions that did not exist before can be adjusted through the age subsidy rate. When an individual retires, 1 10% of the personal account deposit (for example) is value-added.
In the formula: 65 is old age; 76 is the life expectancy of the population; 12 is twelve months a year.
2. If the original personal pension value is less than the calculated value, the personal pension amount shall be calculated according to the calculated value; The original value of personal pension is greater than the calculated value. Calculating the amount of personal pension according to the calculated value+(original value of personal pension-calculated value) /2 is a method of "lowering the low and controlling the high" at present, and the long-term purpose is to accelerate the comprehensive and deepening reform of basic old-age insurance.
The pension in March is related to age and length of service; Labor pension refers to the long time to participate in social labor, more labor pension, short time to participate in social labor, less labor pension; Personal savings is "pay more" and "pay less and get less".
legal ground
：
Interim Measures of the State Council Municipality on Retirement and Resignation of Workers
Article 1 Workers of enterprises and institutions owned by the whole people, party and government organs and mass organizations shall retire if they meet one of the following conditions.
(a) men over 60 years of age, women over 50 years of age, continuous service for ten years.
(2) Those who are engaged in underground, high altitude, high temperature, particularly heavy manual labor or other jobs harmful to health, and have reached the age of 55 for men and 45 for women, and have worked continuously for ten years.
This provision also applies to grassroots cadres whose working conditions are the same as those of workers.
(3) The male has reached the age of 50, the female has reached the age of 45, and has worked continuously for ten years, and has been certified by the hospital and confirmed by the labor appraisal committee, and has completely lost the ability to work.
(four) work-related disability, certified by the hospital, and identified by the labor appraisal committee, completely lost the ability to work.
How to calculate the retirement salary increase in 2022?
The salary increase for retirees was officially implemented in March, 2022, with the increase of pension, work injury and unemployment insurance benefits exceeding 10%. The salary increase is for those who have gone through retirement formalities before 65438+February 3, 20081,and the adjustment level is subject to the local basic salary level. During the adjustment, the combination of general adjustment and special adjustment will be adopted, and people who retire early and have relatively low basic pensions will continue to be inclined. For retired workers who have paid for a long time, the pension will be reissued, and for retirees who have paid for more than 15 years, the corresponding pension amount will be increased every 1 year; According to the adjustment policy of pension replacement, employees who retire in hard and remote areas, such as Sangzhi, Xinhuang and other hard and remote areas 14 counties and cities, and receive pension, will be paid monthly 10 yuan replacement fund.
I. Retirement conditions:
1, male over 60 years old, female over 50 years old, continuous service 10 years or more;
2, engaged in underground, high altitude, high temperature, particularly heavy manual labor or other jobs harmful to health, men over 55 years of age, women over 45 years of age, continuous service 10 years. This provision also applies to grassroots cadres with the same working conditions as workers;
3. Men over 50 years old and women over 45 years old, with continuous service 10 year;
Second, the retirement procedures:
1. Applicants should prepare their ID cards, household registration books, photos and related materials to declare retirement;
2, the applicant to declare to the unit, the existence of enterprises to declare to the enterprise, the unemployed to declare to the employment bureau of the jurisdiction;
3, enterprises, employment bureau to the local community departments to declare;
4. After passing the qualification examination, the files will be transferred to the local social security bureau, which will be responsible for the approved treatment;
legal ground
：
"Interim Measures of the State Council on Retirement and Resignation of Workers" Article 2 After retirement, workers shall be paid a monthly retirement fee according to the following standards until their death: those who meet the conditions in Items (1), (2) and (3) of Article 1 and participated in revolutionary work during the War of Resistance against Japanese Aggression period shall be paid 90% of their standard salary. Those who participated in revolutionary work during the War of Liberation were paid 80% of the standard salary. After the establishment of People's Republic of China (PRC), those who participated in revolutionary work and worked continuously for 20 years will be paid 75% of their standard salary; If the continuous length of service is over 15 and less than 20 years, it will be paid at 70% of my standard salary; Continuous work 10 years and less than 15 years will be paid at 60% of my standard salary. If the retirement fee is lower than that in 25 yuan, it will be paid in 25 yuan. Those who meet the requirements of Item (4) of Article 1 and need help in life shall be paid 90% of their standard salary, and a certain amount of nursing expenses may be paid according to the actual situation, generally not exceeding the salary of an ordinary employee; If you don't need help in your daily life, you will be paid 80% of the standard salary. Those who have more than two retirement conditions at the same time will be paid according to the highest standards. If the retirement fee is lower than that in 35 yuan, it will be paid in 35 yuan.
Will social security increase in 2023?
At the end of each year, hundreds of millions of retired people begin to dream again: how much will the pension increase next year? After all, it has been rising continuously for 18 years, so it is reasonable to expect the continuous growth of 19 years, which is not bad anyway.
Ministry of Human Resources and Social Security released the main progress of human resources and social security in the third quarter of 2022, and the increase in 2023 is expected to be stable! There are mainly "five positive" supports that continue to rise.
The first positive factor:
In 2022, social wages rose all over the country, the minimum wage guarantee line also rose, and prices rose even more. Under the superposition of these three factors, the reason for raising the pension is very sufficient. All the people who work have increased their wages. Therefore, the price of vegetables and pork in the vegetable market will increase, and the pension will not rise, so they can't afford to buy food!
The second advantage:
The number of insured persons increased, and the new social security contributions increased. By the end of September, the number of people participating in basic old-age insurance in China had reached billion, an increase of billion compared with billion in 20 12. Compared with the same period of last year, the number of people increased by 6.5438+0.829 million, which means that these people began to pay more social security, and there is running water in the pension pool.
The third benefit:
Pension funds have a lot of gains and balances. In the first three quarters, the total income of insurance funds was trillion yuan, the total expenditure was trillion yuan, the current balance was 360 billion yuan, and the accumulated balance was trillion yuan. There is a balance every year. The more you roll, the more you accumulate, and you will have the strength to raise your pension.
The fourth positive factor:
The pension fund made money. Instead of lying in the bank, the social security fund was taken to Qian Shengqian. The return on investment in 202 1 year is about 53 1 100 million yuan. From the trillion of 202 1 to the trillion at the end of September this year, the scale of pension investment has gradually increased, the steady income has been increasing, and the foundation for raising pensions will become stronger and stronger.
The fifth benefit:
The overall adjustment of funds has been intensified. What do you mean? If all localities are supporting pensions, then the pension stocks in economically developed areas and underdeveloped areas are very urgent. More money can be divided, and less money can't be divided into regions. There is too much imbalance between regions. Starting from 2022, pensions will be co-ordinated nationwide, which can be adjusted across provinces, so that "poor" areas can raise their pensions. At the end of the third quarter of this year, the whole country arranged 2 104 billion yuan to support the payment of pensions in difficult areas.
Rising year by year, happy year by year! Raising pensions is the gospel of hundreds of millions of retirees. However, I'm afraid these four kinds of people will cry themselves out in the toilet.
First, the elderly who have forgotten the old-age qualification certification.
Because the phenomenon of illegal fraudulent use of pensions has been repeatedly banned, the state has begun to certify the pensions of retirees. If it is not certified, it may be necessary to suspend pension payment. Most regions have been certified before 10, and some regions are allowed to relax to 1 1. Therefore, retirees must go to the local social security department for certification, and the procedure is complicated at all.
The second is the sentenced person.
Someone broke the law and was sent to prison. First of all, the retirement time should be postponed until the end of the sentence. If sentenced to probation (serving a sentence in the community), the pension can be paid as usual, but the pension will not be raised; Those who serve their sentences in prison do not receive the basic pension or enjoy the increase of pension. So, never do anything illegal.
The third is to tamper with the age and get a pension in advance.
At present, the minimum standard for receiving old-age pension is 15 years. China is one of the countries with the earliest retirement age in the world, with an average retirement age of 55. In order to get the pension as soon as possible, some people cheat the pension by tampering with their age, and may be sentenced for fraud. All pensions received in violation of regulations will be refunded, and the basic pension will be stopped, so you can't enjoy the upward adjustment.
The fourth is to falsify information to receive pensions.
There are people around us who are obviously farmers but hold employee pensions. Because 20 1 1 organized a nationwide supplementary endowment insurance work, many people "took advantage of the loopholes" to spend money to buy places. This is against the social insurance law. Once it is discovered by social security agencies, it is necessary to return the illegally received pension, stop issuing pension benefits, and even lose the pension to increase bonuses.