How much will Shanghai's pension increase in 2023?

New policy of pension increase in 2023

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.

First, 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.

Second, 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.

Third, the performance of economic development, average wage increase of employees and price increase is relatively 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.

Second, people with high pensions will increase their money. Is it true?/You don't say.

Everyone here knows very well that it is not true that people with high pensions will not necessarily increase their money! The amount of pension adjustment varies from person to person. The main reason is that the increase of pension is influenced by many factors, not simply the basic pension multiplied by the increase. Most people think that people with high pensions will increase more money, mainly because they mistakenly think that the calculation method of pension adjustment is as follows: 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. However, if so, this calculation method is wrong.

Pension adjustment generally adopts three ways: quota adjustment, hook adjustment and tilt adjustment. The quota adjustment is to increase the same amount of money for retirees in the same area; The linked adjustment is linked to the basic pension and the payment period respectively, which embodies the incentive principles of "more work and more pay" and "more pay"; The tilt adjustment is to take care of the elderly, retirees from hard and remote areas, retired cadres from enterprises and other groups, and increase an extra pension. Therefore, the amount of pension that retirees can increase is mainly affected by the following factors: the area where retirees are located, the payment period, the basic pension and the age. For example, Uncle Li added 190 yuan, which may be composed of local quota adjustment of 50 yuan, adjustment of payment period of 50 yuan, adjustment of basic pension of 40 yuan, adjustment of old age of 40 yuan and adjustment of 10 yuan in hard and remote areas.

According to the continuity of the policy, when adjusting the pension in 2023, the three-step way of quota adjustment, hook adjustment and tilt adjustment will remain unchanged. Suppose that the pension adjustment scheme in a certain place in 2023 is as follows: 40 yuan will be adjusted according to the quota; Linked to the adjustment of the payment period, the basic pension will be increased by 1 year for each payment period; The adjustment ratio of linked basic pension is1%; 40 yuan will increase for the elderly aged 70-80, and 80 yuan will increase for those over 80 (including 80).

Retirees with high pensions may not necessarily increase their money, mainly in the following two situations. Let's take a concrete look and verify it with examples.

The first type: retirees with high pensions raise more funds.

Suppose Lao Li's basic pension is 6280 yuan, and the payment period is 40 years and he is 65 years old. The rising pensions are: 40 yuan is adjusted by quota, 40 yuan by linked payment period, and 62.8 yuan by linked basic pension, with a total increase of 142.8 yuan.

Suppose Lao Zhang's basic pension is 2,800 yuan, the payment period is 25 years, and he is 67 years old. The rising pensions are: adjusting 40 yuan by quota, adjusting 25 yuan by linked payment period, adjusting 28 yuan by linked basic pension, and increasing 93 yuan on the whole.

It can be seen that Lao Li, who has a high pension, has more advantages because of the adjustment of the basic pension and the payment period, and neither of them has reached the condition of old age tilt, so Lao Li, who has a high pension, has increased by 49.8 yuan more than Lao Zhang, who has a low pension.

The second type: retirees with high pensions raise less money.

Suppose Lao Li's basic pension is 6280 yuan, and the payment period is 40 years and he is 65 years old. The rising pensions are: 40 yuan is adjusted by quota, 40 yuan by linked payment period, and 62.8 yuan by linked basic pension, with a total increase of 142.8 yuan.

Suppose grandpa Zhang's basic pension is 2800 yuan, the payment period is 25 years, and he is 80 years old. The rising pensions are: 40 yuan is adjusted by quota, 25 yuan by payment period, 28 yuan by basic pension and 80 yuan by old age, with a total increase of 173 yuan.

It can be seen that Lao Li, who has a high pension, has increased by 30.2 yuan less than Grandpa Zhang, who is not old enough.

To sum up, pensions will continue to rise in 2023, and it is not true that people with high pensions will increase their money, mainly because pension adjustment is not only related to basic pensions, but also affected by factors such as retirees' location, payment period and age.

How to adjust the pension in 2023

In 2023, pension insurance will have four benefits. Participating in endowment insurance is actually participating in the security of the whole society. As long as the social economy continues to develop, the benefits of old-age insurance will increase together. The four benefits that can be improved this time are mainly the adjustment of pensions for retirees in 2023, the increase in the base of pension calculation, funeral subsidies and pension benefits.

1.Pension adjustment for retirees in 2023.

According to Article 18 of the Social Insurance Law, the state establishes a normal adjustment mechanism for basic old-age pensions, and will improve the basic old-age insurance benefits in a timely manner according to the wage increase and price increase of employees.

From 2005 to 2022, our retirees' pensions have been continuously adjusted for 18 years, and I believe this year will be no exception. The old people who benefited from the pension adjustment in 2023 are mainly those who went through retirement procedures and received pension benefits before 65438+February 3 1 in 2022.

1~3 quarters, wage income in per capita disposable income increased by 5. 1%, and consumer price index increased by 2.0%. In the past 65438+ 10 month, our broad money (M2) rose by 1 1.8%.

Judging from the above objective factors, pensions will continue to grow in 2023.

However, since 20 15, the overall level of pension adjustment for retirees has shown a downward trend. The adjustment range of old-age pension decreased from 10% in 20 15 years to 4% in 2022, and the adjustment ranges in the last three years were 5%, 4.5% and 4% respectively. According to the increase in prices and wages, it is estimated that the overall adjustment of pensions will be between 3% and 4% in 2023.

Second, the calculation base of pensions in 2023.

The ultimate goal of pension calculation and payment base is to transition to the average wage of employees in full-caliber urban units. According to the data of the National Bureau of Statistics, among the per capita disposable income of Chinese residents in 1~3 quarters, wage income was 15678 yuan, accounting for 56.7% of the total disposable income, up 5. 1% year-on-year. It is estimated that the average social wage in all parts of the country will increase by 4%~8% next year.

However, the corresponding calculation base of retirement pension should consider the growth rate of pension and the growth rate of average social wage. In 20021year, the average wage of employees in urban non-private units increased by 9.7% and that in urban private units increased by 8.9%. However, the average growth rate of our pension base in 2022 is only 4%~6%, but Shanghai has reached 10.2%.

Generally speaking, the growth rate of pension calculation and distribution base in various places is expected to be around 3%~6% next year.

The old people who benefit from the increase of pension calculation and payment base are retirees who go through retirement procedures and receive monthly pension benefits after 2023 1, which happens to be seamlessly connected with the beneficiaries of pension adjustment.

Third, funeral subsidies.

From September, 20021year, the Interim Measures for the Treatment of Survivors of Basic Old-age Insurance for Enterprise Employees promulgated by Ministry of Human Resources and Social Security was formally implemented, and the relevant standards for the treatment of survivors were unified throughout the country.

The standard of funeral subsidy is calculated according to twice the monthly per capita disposable income of urban residents in this province when the insured dies.

According to the data of the National Bureau of Statistics, in the third quarter of 20221~, the per capita disposable income of urban residents nationwide was 37,482 yuan, up 4.3% year-on-year. According to this trend, the related treatment will definitely continue to grow next year. Beneficiaries are actually the survivors of the deceased who participated in the basic old-age insurance for employees. This treatment can reduce the family burden of the elderly when they are buried.

Fourth, pension benefits.

The Interim Measures for the Treatment of Survivors of Basic Old-age Insurance for Enterprise Employees also stipulates the pension treatment. They are also linked to the monthly per capita disposable income of urban residents in the province where they died last year, and will increase funeral subsidies in proportion.

This part of the treatment is mainly to help the survivors of the insured adapt to the life of the insured after his death as soon as possible. The highest salary that retired workers can get is the per capita disposable income of 9-24 months, and the highest place can reach150 thousand yuan.

legal ground

Interim Measures for the treatment of survivors of basic old-age insurance for enterprise employees

Article 1 These Measures are formulated in accordance with the relevant provisions of the Social Insurance Law in order to protect the legitimate rights and interests of employees and their survivors who participate in the basic old-age insurance for enterprise employees.

Article 2 If a person who participates in the basic old-age insurance for enterprise employees (including on-the-job employees and retirees, hereinafter referred to as the insured) dies due to illness or non-work, his survivors can receive funeral grants and pensions (collectively referred to as survivor treatment).

Article 3 The survivors' treatment shall be one-time treatment, and the required funds shall be paid from the overall fund of basic old-age insurance for enterprise employees.

Article 4 The standard of funeral subsidy shall be calculated at twice the monthly per capita disposable income of urban residents in this province (autonomous regions and municipalities directly under the Central Government, hereinafter referred to as this province) when the insured dies.

Article 5 The pension standard shall be determined according to the following methods:

(1) On-the-job personnel (including those who are insured in their personal capacity, such as flexible employment), based on the monthly per capita disposable income of urban residents in this province in the previous year at the time of death, determine the number of payment months according to their payment years (including actual payment years and deemed payment years, the same below).

If the payment period is less than 5 years, the payment period is 3 months;

If the payment period is over 5 years but less than 10 year, the payment period is 6 months;

If the payment period is more than 10 year but not more than 15 year (inclusive), the payment period is 9 months;

If the payment period exceeds 15 years, the number of payment months will increase 1 month for each additional payment/year. If the payment period exceeds 30 years, the longest payment period is 24 months according to the calculation of 30 years.

(II) Retirees (including former employees) shall, based on the monthly per capita disposable income of urban residents in this province in the previous year at the time of death, determine the maximum payment months (the calculation method is the same as that of on-the-job employees), and deduct the basic pension every 1 year 1 month, and the minimum payment months shall be 9 months.

The payment period and the time to receive the basic pension mentioned in this article are calculated to the current month.

Article 6 If the insured person dies due to illness or non-work-related death, and the accumulated payment period is less than 5 years, the treatment standard for the survivors shall not exceed the sum of their individual contributions (such as flexible employment, in which the insured person is credited to his personal account).

Article 7 The place where the survivors of the death of the on-the-job insured receive benefits is the place where the last old-age insurance relationship is located (including the place where the temporary basic old-age insurance payment account is located), and the social insurance agency where the last old-age insurance relationship is located is responsible for verifying the relevant information such as the payment period of the insured and paying the survivors' benefits. The place where the survivors of deceased retirees receive the basic old-age insurance benefits for their enterprise employees.

Article 8 If the insured dies due to illness or non-work-related, and meets the requirements of basic old-age insurance for enterprise employees and basic old-age insurance for urban and rural residents, his survivors shall choose one of them to receive it. If the basic old-age insurance for enterprise employees has been connected with the basic old-age insurance system for urban and rural residents and died after receiving the basic old-age insurance benefits for urban and rural residents, their survivors will no longer enjoy the basic old-age insurance benefits for enterprise employees.

Article 9 If the insured is declared dead by the people's court because his whereabouts are unknown, the date of death declared by the people's court shall be the time of death, and his survivors may enjoy the treatment of survivors. If the insured who has been declared dead reappears, the survivor's pension he has received shall be refunded.

Article 10 These Measures shall come into force as of September 20265438 1 day. After the implementation of the social insurance law and before the implementation of these measures, the survivors of the insured who have not yet enjoyed the treatment of survivors shall be properly handled by the provinces.

Is it true that the pension rose from June 5438 to 10 in 2023?

As time goes into the middle of 10, and 2022 is coming to an end, many retirees begin to expect the pension to rise next year, because everyone has formed a habit. In the past 18 years, pensions have been rising, which makes some retirees subconsciously think that pensions will be raised every year. So, will pensions continue to rise in 2023? If it goes up, will people with high pension levels go up more?

First, the possibility of pension increase in 2023 is relatively large, and it is expected to achieve a continuous increase of 19.

As the only source of income for most retirees, the level of pension is directly related to the quality of retirement life. At present, the number of employees receiving pensions exceeds 65.438+0.3 billion, and the number is large. Constantly improving the level of pension insurance benefits is an important means to improve people's livelihood, enhance happiness and promote the development of China's pension industry.

The "Social Security Law" also clearly stipulates that the level of pension benefits should be raised according to factors such as rising prices and increasing average social wages. I believe everyone has also felt the price increase this year. This year, the base of social security contributions has also generally increased, and the income of social security funds will also increase.

In addition, the most important thing is that the social security fund is stable and mature. Not only is the accumulated balance huge, for example, the accumulated balance of pension funds exceeds 5.2 trillion, but also relatively good returns can be obtained through market-oriented investment operation, with an average annual yield of 6.49%. Coupled with the improvement of the system, the fund's family is also consolidated through central adjustment and transfer of state-owned shares.

Therefore, there is a high probability that pensions will continue to rise in 2023, but the increase rate in calendar closure may be lower than this year.

Second, if the pension rises in 2023, will the higher the pension level, the more it will rise?

After the continuous increase of 18 in the past, the per capita pension of enterprise retirees reached 2987 yuan in 20021year, and there was also a certain pension gap among retirees. So if the pension continues to increase in 2023, is it that the higher the pension level, the more money will rise?

The answer is not necessarily. Because according to the previous way of pension increase, the increase of pension is not directly calculated by multiplying the personal pension by the increase ratio. For example, if the pension is increased by 4% this year and the personal pension is 5,000 yuan, it is not calculated directly by 5000*4%=200, but by quota adjustment, hook adjustment and tilt adjustment. Depending on whether you have a person with a high pension, the increase in money may be less than that of a person with a low pension.

For example. Assume that Lao Zhang, an institution retiree with 40 years of service, has a pension of 6000 yuan; Lao Li, an enterprise retiree with 30 years of service, has a pension of 3,500 yuan. The former is 62 years old and the latter is 8 1 year old.

If the pension increase plan in this regard is like this: the amount is adjusted to 42 yuan; Hang the adjusting part of the split hook. First, it is linked to the length of service. Every year 1 year, the pension will be paid according to 0.9 yuan; First, it is linked to the pension level, increasing by1.2%; For the adjustment of the old age, 20 yuan will be issued for those who have reached the age of 70 and under 75, 40 yuan will be issued for those who have reached the age of 75 and under 80, and 60 yuan will be issued for those who have reached the age of 80.

Then Lao Zhangcan's increased pension is 42+40 * 0.9+6,000 *1.2% =150 yuan.

The old pension is 42+30 * 0.9+3,500 *1.2%+60 =171yuan, which is 2 1 yuan higher than Lao Zhang's 150 yuan.

finally

Pensions are expected to continue to rise in 2023, and those who retire and receive pensions before the end of 65438+February in 2022 can participate in this pension increase. Traditionally, pensions will be adjusted in a fixed, linked and inclined way. The higher the pension level, the more money will not necessarily rise. Because it still depends on the individual's situation, if people with high pension level increase more money under the same conditions, otherwise the increase in money will not be as good as that of people with low pension level.

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How much will the pension increase in 2023?

In 2023, pension insurance will have four benefits. Participating in endowment insurance is actually participating in the security of the whole society. As long as the social economy continues to develop, the benefits of old-age insurance will increase together. The four benefits that can be improved this time are mainly the adjustment of pensions for retirees in 2023, the increase in the base of pension calculation, funeral subsidies and pension benefits.

First, the pension adjustment for retirees in 2023.

According to Article 18 of the Social Insurance Law, the state establishes a normal adjustment mechanism for basic old-age pensions, and will improve the basic old-age insurance benefits in a timely manner according to the wage increase and price increase of employees.

Generally speaking, the growth rate of pension calculation and distribution base in various places is expected to be around 3%~6% next year.

The old people who benefit from the increase of pension calculation and payment base are retirees who go through retirement procedures and receive monthly pension benefits after 2023 1, which happens to be seamlessly connected with the beneficiaries of pension adjustment.

Third, funeral subsidies.

From September, 20021year, the Interim Measures for the Treatment of Survivors of Basic Old-age Insurance for Enterprise Employees promulgated by Ministry of Human Resources and Social Security was formally implemented, and the relevant standards for the treatment of survivors were unified throughout the country.

The standard of funeral subsidy is calculated according to twice the monthly per capita disposable income of urban residents in this province when the insured dies.

According to the data of the National Bureau of Statistics, in the third quarter of 20221~, the per capita disposable income of urban residents nationwide was 37,482 yuan, up 4.3% year-on-year. According to this trend, the related treatment will definitely continue to grow next year. Beneficiaries are actually the survivors of the deceased who participated in the basic old-age insurance for employees. This treatment can reduce the family burden of the elderly when they are buried.

Fourth, pension benefits.

The Interim Measures for the Treatment of Survivors of Basic Old-age Insurance for Enterprise Employees also stipulates the pension treatment. They are also linked to the monthly per capita disposable income of urban residents in the province where they died last year, and will increase funeral subsidies in proportion.

This part of the treatment is mainly to help the survivors of the insured adapt to the life of the insured after his death as soon as possible. The highest salary that retired workers can get is the per capita disposable income of 9-24 months, and the highest place can reach150 thousand yuan.

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