How will social security wages rise in 2023?

It is about to enter 2023, and there are four categories of pension and medical insurance to be improved in the new year. What the hell is going on? Who will benefit? Let's have a look.

First, retirement pension benefits.

I believe everyone is familiar with adjusting the pension once a year after retirement. The Social Insurance Law stipulates that pensions are adjusted according to the average social wage growth and price growth.

In 2022, China's average social wage will continue to increase, and prices will also rise steadily, 1~3 quarters. The per capita disposable income of residents increased by 5. 1%, and the consumer price index increased by 2.0%. Considering that the current balance of China's pension insurance fund is still greater than the expenditure, and the accumulated balance exceeds 5 trillion yuan, I believe that pensions will continue to grow.

Pension increase mainly refers to the elderly who went through retirement procedures before 65438+February 3 1 in the previous year and received monthly pension benefits. Including the elderly who retired in June 5438+February 2022.

Second, the calculation base of pension.

The calculation base of pension is an important factor for retirees to calculate and pay pensions. In order to ensure the balance of treatment between retirees in that year and retirees in previous years, the base of pension calculation and payment will be determined in combination with the average social wage growth and pension growth in that year. Generally speaking, the pension base will eventually transition to the average wage of employees in full-scale urban units.

There is no doubt that the pension base will increase in 2023. The benefit range refers to the elderly who go through retirement formalities after 20 13 1 and receive monthly pension benefits, which echoes the pension adjustment.

Third, the treatment of survivors.

According to the Interim Measures for the Treatment of Survivors of Basic Old-age Insurance for Enterprise Employees, the insured can receive corresponding funeral subsidies and survivors' pensions after his death.

Funeral grants and survivors' pensions are calculated by multiplying the monthly per capita disposable income of urban residents in the province where the insured died in the previous year. Retirees can receive a minimum of two months and nine months.

After entering the new year, the per capita disposable income of urban residents is still increasing (in the third quarter of 2022, the per capita disposable income of urban residents nationwide increased by 4.3%), so the standard of treatment for survivors will be raised. The standard of treatment should be based on the time of death.

Fourth, the treatment of personal accounts of medical insurance.

After entering 2023, the upper and lower limits of the social security contribution base will increase, and the personal account treatment of medical insurance will also increase. Because according to the regulations, all the personal contributions of employees' basic medical insurance will go into personal accounts, and a certain proportion of unit contributions will also go into personal accounts, so the treatment of personal contributions to improve medical insurance personal accounts will also be improved.

In 2023, some areas will establish a medical insurance system for employees' outpatient service, and the proportion of medical insurance personal accounts may be adjusted. For example, in Qingdao, Shandong Province, the personal accounts of employees under 35 years old, 35-45 years old and over 45 years old were changed to 2.0%, 2. 1% and 2.5% respectively, which was lower than in the past. As a result, some employees recorded less money.

In addition, there are some retirees, and the proportion of records in the future is fixed and will not increase. However, there are still some retirees whose credit ratio is linked to their pension ratio. In this case, the personal pension will increase, and the money credited to the personal account of medical insurance will also increase. From 2024, the amount of money in almost every place will be locked.

For example, from 2023, the provincial units in Gansu Province will be credited according to the monthly quota of 120 yuan. Shanghai enterprise retirees under the age of 74 are credited to 1680 yuan medical insurance card every year; Over 75 years old, account 1890 yuan.

To sum up, in 2023, our four categories of endowment insurance and medical insurance will be improved, and the advantages of participating in social insurance will be obvious. This is also to tell everyone that as long as they have the ability, they must participate in the insurance, so that they can enjoy the social insurance protection of the country.