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 conditions of basic old-age insurance for enterprise employees and basic old-age insurance for urban and rural residents, his survivors will 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.