Retirees' pension adjustment has a legal basis. Article 18 of the Social Insurance Law stipulates that the state establishes a normal adjustment mechanism for basic old-age pensions, and raises the level of basic old-age insurance benefits in a timely manner according to the average wage increase and price increase of employees. Although the Social Insurance Law does not say that it should be adjusted once a year, the pension system that has been adjusted once a year for decades will not change suddenly.
According to the economic data released by the National Bureau of Statistics, the consumer price index 1 increased by 2% in the third quarter of 2022 (1increased by 2. 1% in the current month), and the wage income in the per capita disposable income of residents increased by 5. 1%. At the end of 20021,the accumulated balance of China's endowment insurance fund was 5.29 trillion yuan, and the rights and interests of the national social security fund were 2.5 trillion yuan. By the end of September, the total income of China Pension, Unemployment and Work Injury Insurance Fund was 525 million yuan, the expenditure was 489 million yuan, and the accumulated balance was 7.24 trillion yuan. Therefore, the sustained growth of pensions is still very emboldened.
However, some netizens have suggested that the pensions of some retired elderly people are really too low, and the monthly pension of 1 10,000 yuan is difficult to guarantee life. It is suggested that their pension be raised to 3000 yuan. Will that work? To tell the truth, the idea is simple. After all, it is not his own money, and the reality is difficult to achieve. There are four main reasons:
First, increase the pressure on pension fund expenditure. Our pension fund has just balanced its income and expenditure. In 20021year, the total income of China's pension funds was 6045.5 billion yuan, and the expenditure was 5648 1 billion yuan. According to the data released by Ministry of Human Resources and Social Security, the per capita pension of enterprise retirees is only 2,987 yuan per month. If the pension for retirees is uniformly adjusted to 3,000 yuan, at least more than half of the retirees will be increased, but the expenditure of the pension fund will also increase substantially. In this case, the accumulated balance of the endowment insurance fund will soon be exhausted.
Second, it is more difficult to receive endowment insurance. Pension 1 000 yuan, mostly retirees who have paid the minimum base and paid pension insurance 15 and 16 years. If their pension is adjusted to 3,000 yuan, it is equivalent to an increase of 2,000 yuan at once, even equivalent to the payment treatment of others for about 40 years. In this case, many people will consider suspending payment, which will greatly reduce the income of pension funds. Like enterprise payment, in most cases, it is jointly promoted by workers and the government. If workers stand on the side of not paying fees, the difficulty of collection will be greatly increased, and the cost of administrative collection will also be greatly increased.
Third, it leads to people's sense of injustice. For the old people who retired before, they worked hard to pay social insurance for decades, and only got a pension of three or four thousand yuan after retirement. Others pay much less years and money, but suddenly they can rise to their own pension level. In this case, the sense of injustice will greatly increase. If these old people also ask for an increase in pensions, how can they be satisfied?
Fourth, pension funds can't afford it. When 199 1 promoted the reform of enterprise pension insurance system in China, the basic principles of enterprise pension insurance fund were clarified, which were fixed by income, slightly balanced and partially accumulated. China promotes gradual delayed retirement, increases the minimum payment period for receiving old-age pension, improves the system of calculating and issuing months in personal accounts, and establishes the national social insurance fund, all of which ensure the stable operation of the old-age insurance fund from a long-term perspective.
Therefore, the pension insurance policy will not change suddenly. Pension adjustment in 2023 is likely to be carried out in three ways: quota adjustment, hook adjustment and appropriate tilt. The overall pension adjustment is expected to be around 3%~4%, so don't worry.