The new policy of pension increase

Most citizens in our country have purchased endowment insurance. Endowment insurance payment reaches a certain number of years. As long as citizens and friends reach the age, they can go through retirement procedures and receive a certain pension every month. Pension is actually a welfare system to ensure that a specific citizen can maintain a normal standard of living after retirement or loss of work ability. In China, the pension policy is basically adjusted every year to meet the needs of more people. For example, pensions were raised by 4% last year. Next, let's take a look at the new changes in the pension increase policy in 2023 and the pension increase standards in various places in 2023.

2023 pensions usher in new changes! Improve the basic pension for urban and rural residents 1 and Changsha.

It is reported that from 2023, the basic pension for urban and rural residents will increase again 10 yuan.

2. Quanzhou

Since June 5438+ 10, 2023, the basic pension for urban and rural residents in Quanzhou has increased by 10 yuan per person per month, and the adjusted basic pension standards in various places are not lower than 150 yuan per person per month.

3.henan province

It is understood that from June 5438+1 October1day in 2023, Henan will raise the minimum standard of basic pension for urban and rural residents from 1 13 yuan to 123 yuan. At the same time, it is clear that all parts of Henan can appropriately raise the minimum standard of basic pension in the region on the basis of formulating the minimum standard of basic pension in the province.

4. Guizhou

It is reported that in 2023, Guizhou will raise the minimum standard of basic pension for urban and rural residents to 128 yuan per person per month.

5.hebei province

Starting this year, the minimum standard of basic old-age insurance for urban and rural residents in Hebei has been raised from 123 yuan to 133 yuan per person per month.

6. Ningxia

Since June 65438+ 10 in 2023, the basic old-age pension for urban and rural residents in Ningxia has increased per person per month 10 yuan. After this increase, the basic pension standard for urban and rural residents in Ningxia has reached per person per month 180 yuan.

7. Other cities

Beijing, Sichuan and other provinces have also clearly proposed to raise the level of pension benefits this year. It is understood that many regions have announced plans to raise the basic pension for urban and rural residents, and some provinces have also clearly raised the basic pension for retirees. You can pay attention to the latest notice from the local social security bureau.

How to calculate the pension? The basic pension consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc. Individuals who participate in the basic old-age insurance can receive the basic old-age pension on a monthly basis if they reach the statutory retirement age and have paid a total of fifteen years.

Pension = basic pension+personal account pension, etc.

The basic pension refers to (the average monthly salary of local employees in the previous year when employees retire+the average monthly salary indexed by themselves) ÷2× payment period × 1%.

Personal account pension refers to the accumulation of personal accounts when employees retire.

The calculation months are as follows: 50 195, 55 170, 60 139, 65 10 1.

Transitional pension = pension calculation base * average social security contribution index * length of service before account (deemed payment period) * transitional pension calculation coefficient.

Note: The calculation coefficient of transitional pension varies from region to region. You can check your local calculation coefficient online.

How to certify the pension? At present, there are several ways to carry out endowment insurance qualification certification:

1, mobile phone authentication

Download the officially designated mobile APP and follow the prompts for self-authentication. (Some areas require certification once a year, mainly for face recognition. For example, the author's hometown needs to re-identify the face on the mobile phone every August, so that he can receive the pension smoothly every month, and also to prevent fraudulent use. )

2. On-site certification

For the elderly who can't use smart phones, they can go to the local pension insurance agency for on-site certification. If you can't go to the office due to illness or other circumstances, you can ask the clerk to issue a certificate. Bring relevant information, such as ID card.

3. Web authentication

Enter the local social security official website, find the column of endowment insurance certification, and carry out relevant certification according to the prompts.

4. Community neighborhood committee certification

You can go to the community near your place of residence for certification.

5. Bank outlet certification

You can go to the bank outlets recognized by the Social Security Bureau for certification, such as Changsha area: pension certification can be certified at bank outlets such as Bank of Communications, China CITIC Bank and Changsha Bank.

6, the original unit certificate

You can go to the original unit for certification.

Generally speaking, our country will adjust and optimize the pension policy every year, which will bring greater benefits to everyone in the future, and will give greater benefits and benefits to the elderly retirees, retirees in hard and remote areas, and retirees with long payment years. Many friends are worried that they will not get much after retirement. In fact, as long as everyone is in good health, the longer you receive it, the higher the amount of old-age insurance you paid in the early stage. In addition, I suggest that you don't stop paying fees, and try to lengthen the payment period, so that no matter how the policy changes, it will add a favorable guarantee for the future pension life.