How to handle delayed retirement in Jiangsu has attracted much attention. As early as 2008, the relevant departments were already planning to extend the retirement age when conditions were ripe. After 20 10, "delayed retirement" became a hot topic. How to handle delayed retirement in Jiangsu?
Jiangsu 1 How to handle delayed retirement;
1 I apply voluntarily.
The employer agrees.
3. Report to the local community department for the record.
In Jiangsu Province, there are two precautions for delaying retirement:
1 Applicable people: people who pay endowment insurance for enterprise employees in Jiangsu Province.
For example, people who pay endowment insurance for urban and rural residents cannot apply for delayed retirement;
2 Minimum years: In Jiangsu Province, the minimum time for delaying retirement is 1 year.
For example, men should retire at the age of 60 at present. If you apply for delayed retirement in Jiangsu Province, you can apply for retirement at least after 1 year.
The retirement age of the insured shall be determined by the following methods:
(a) men over 60 years of age, women cadres over 55 years of age, women workers over 50 years of age, women flexible employees over 55 years of age. Special provisions shall apply in the following cases:
Female workers who have reached the age of 50 and engaged in management technical posts, or who have worked in management technical posts for 5 years and engaged in management technical posts after reaching the age of 45, shall be implemented according to the retirement age of female cadres.
Women who used to be regular employees before the issuance of Document [2001] No.20 of the Labor and Social Security Department of the former Ministry of Labor and Social Security, or who worked in the post of employees of state-owned enterprises and dissolved their labor relations according to law, or who have worked in the post of employees of the employing unit for 15 years at the age of 50, shall be subject to the retirement age of female employees.
Unemployed women who do not meet the above conditions should retire at the age of 55.
(two) men over 55 years of age, women over 45 years of age, and in accordance with the relevant provisions of the state, engaged in special types of work stipulated by the state and reached the prescribed number of years. Insured persons who meet the conditions for early retirement of special types of work may choose the retirement time through consultation between employees and enterprises within the retirement age specified in this item and the retirement age specified in the preceding paragraph.
(three) men over 50 years of age, women over 45 years of age, due to illness or non-work-related disability, confirmed by the Municipal Labor Ability Appraisal Committee, completely lost the ability to work.
(4) Upon my own application, with the consent of the employer, the insured can postpone retirement for at least one year after reporting to the administrative department of human resources and social security for the record.
If the state has other provisions on retirement age, those provisions shall prevail.
How to Deal with Delayed Retirement in Jiangsu Province 2 official website, Jiangsu Provincial Department of Human Resources and Social Security, recently announced a new implementation method of endowment insurance for enterprise employees. This new method, which will take effect on March 1 2022, stipulates: "Upon my application and with the consent of the employer, the insured can postpone retirement for at least one year." This is the first scheme in China to delay the retirement of enterprise employees.
The problem of delaying retirement has attracted much attention. As early as 2008, the relevant departments were already planning to extend the retirement age when conditions were ripe. After 20 10, "delayed retirement" became a hot topic. In the "Thirteenth Five-Year Plan" formulated by 20 16, the content of "implementing the policy of gradually delaying retirement age" appeared. The outline of the "14th Five-Year Plan" once again puts forward that "the legal retirement age will be gradually delayed according to the principles of step-by-step adjustment, flexible implementation, classified promotion and overall consideration". But until today, the national delayed retirement plan has not yet been issued, and even the formal consultation plan has not been announced. The complexity of this problem can be seen.
However, if we continue the social security model of "big overall planning, small account", I am afraid that delaying retirement is an inevitable choice from the common practice in the world. Even Germany, which took the lead in implementing the social security system, is delaying retirement.
As far as China's specific situation is concerned, the current legal retirement age is 60 for male employees (generally 65 for provincial and ministerial officials), 55 for female cadres and 50 for female employees, and some hard jobs can be retired five years in advance. This retirement age was set at 195 1 year and has not been adjusted for more than 70 years. It is only in 1983 that senior experts can postpone their retirement after approval.
Now the average life expectancy in China is nearly 40 years higher than 70 years ago. There is a serious mismatch between the current retirement age and the average life expectancy, which leads to a long time for retirees to receive pensions. In addition, pensions are also increasing year by year. With the decrease of fertility rate, the working population paying pensions is declining, and the pressure on pension funds is enormous.
According to official data, in 2020, the gap between income and expenditure of the national pension insurance fund will reach 692.5 billion yuan. Of course, this is mainly due to the phased reduction of social security premiums under the COVID-19 epidemic, which led to the decrease of social security fund income. But in the long run, the gap in pension funds is inevitable. According to the calculation of the research group of China Academy of Social Sciences, there will be a gap in the basic endowment insurance fund for urban workers in China by 2028, and the cumulative gap will reach 100 trillion yuan from 2028 to 2050.
In this case, it is inevitable to delay the retirement age if social security continues to pay as you go. In 20021year, 3 1 provinces in China successively solicited opinions on the issue of delayed retirement. Jiangsu Province takes the lead in introducing the delayed retirement scheme, which means that the delayed retirement reform will enter the fast lane, and more and more provinces may carry out pilot projects in this regard.
Jiangsu's plan is "voluntary retirement", and there is no difference in the calculation of pensions between retirees and normal retirees. But what is certain is that you can get more pension every month than nothing, because the payment period has become longer.
How much incentive will this have for delaying retirement? There will be some workers who want to postpone retirement because they can get more wages by continuing to work. However, the extension of the refund requires the consent of the work unit, because the unit will continue to pay social security fees if it is postponed. Under the same employment cost, it is also a variable whether the unit is more willing to recruit young people or old people. Therefore, it remains to be seen how many people will postpone retirement after the implementation of the Jiangsu plan.
The experience of implementing flexible retirement system abroad is to provide additional incentives for those who delay retirement, so that the discounted value of all pensions received after delayed retirement is higher than that when they retire normally. Therefore, if the deferred monthly pension is too small, the total discounted value cannot be higher than normal retirement, and deferred retirement will not be encouraged; There are too many, and the purpose of relieving the pressure of pension payment may not be achieved. Therefore, it needs a good balance and an actuarial solution.
If Jiangsu's current voluntary flexible retirement system can't attract too many people to postpone retirement, I'm afraid we have to work hard in this respect and increase incentives.
Of course, in the long run, it may be inevitable to force a unified postponement arrangement. According to the principle of "small step adjustment and flexible implementation" in the 14 th Five-Year Plan, the compulsory postponement arrangement may be gradually increased by three months every year and eventually raised to 65 years old. Delaying the retirement age of women, especially female employees, is probably also an option. After all, the life expectancy of women in China is more than five years higher than that of men, and the retirement age of women is lower than that of men 10 years, which is unsustainable in terms of fairness and the affordability of social security funds.
How to Deal with Delayed Retirement in Jiangsu 3 20221October 30 65438 Jiangsu Provincial Department of Human Resources and Social Security issued the Notice on the Implementation Measures of Basic Old-age Insurance for Enterprise Employees, which clearly mentioned that the insured can delay retirement for at least one year upon his own application and with the consent of the employer. The Measures shall be officially implemented on March 1 day, 2022.
Why delay retirement?
A very important reason for delaying retirement is that China is facing the development trend from mild aging to moderate aging.
According to the data of the seventh census, the population aged 60 and above in China is about 264 million, accounting for 18.7% of the total population. The population over 65 years old is about 65.438+0.9 billion, accounting for 654.38+0.3% of the total population; During the Tenth Five-Year Plan period, the elderly population in China will exceed 300 million.
The United Nations has predicted that according to this trend, the median age of China population will reach 49.6 years in 2050, that is, half of the population will be over 50 years old, and an aging society has become an urgent problem.
Delaying retirement is obviously an important measure to deal with the aging population.
Secondly, China's current retirement age is relatively low. In China, the current legal retirement age is 60 for male workers, 55 for female cadres and 50 for female workers.
This regulation was formulated and promulgated in 1950s, when the average life expectancy in China was only about 50 years old.
This retirement age standard is determined by many factors, such as life expectancy per capita, working conditions, employment methods, etc. in the early days of the founding of New China, and has not been adjusted for nearly 70 years.
After the reform and opening up, the average life expectancy in China has greatly increased, from over 40 years in the early days of the founding of New China to 77.3 years in the 13th Five-Year Plan period. During the Tenth Five-Year Plan period, the average life expectancy in China will reach 78.3 years.
At the same time, great changes have taken place in China's economy and society, and the problem of low overall retirement age is very prominent. It is natural to extend the retirement age.
By horizontal comparison, delaying retirement age is also a common practice for countries all over the world to deal with population aging. In recent decades, most countries have raised the retirement age to varying degrees.
According to incomplete statistics, the retirement age of 30 major countries in the world is generally over 65.
The World Bank once published a report investigating the official retirement age of 139 economies around the world. Among them, China's current retirement age of 60 for men and 50 for women belongs to the "precocious ranks", although it is not the earliest.
The general retirement age in Europe and America is 65, in the United States it is 67, and in Japan it is 65 for men and 60 for women.
Therefore, with the improvement of living standards, people's life expectancy is constantly improving, and delaying retirement age is an inevitable trend.
Who will be affected by delayed retirement?
At last year's National People's Congress, delayed retirement officially entered the government work report.
Zheng Bingwen, then a member of the Chinese People's Political Consultative Conference and director of the World Social Security Research Center of China Academy of Social Sciences, said that delayed retirement mainly involves three age groups, namely, 60 years for men, 55 years for female cadres and 50 years for female employees.
We assume that the delayed retirement policy will be implemented in 2022, so the following three groups will be affected by the new retirement policy:
First, female employees under the age of 50 (women born after 1972);
2. Female cadres and male workers under the age of 55 who are mainly engaged in manual labor (people born after 1967);
3. Male cadres under 60 years old (male born after 1962).
It can be seen that the delayed retirement scheme has a great impact on the post-70 s and post-80 s. According to Ministry of Human Resources and Social Security's plan, retirement will be delayed gradually until it reaches the newly drafted legal retirement age after a long time.
Therefore, for the post-90s generation, it is estimated that they have completely caught up with the New Deal by the time they retire.