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New Pension Insurance Policy 2016 The Institute of Financial and Economic Strategy of the Academy of Social Sciences released the "China Economic System Reform Report 2013" on the 26th, proposing a three-stage timetable for the next seven years of reform. In terms of income distribution and social security system reform, the report recommends that in the second phase of reform (2016 to 2018), a gradual extension of the retirement age policy be implemented nationwide. The report did not give specific recommendations for retirement age.
The report recommends that in the first stage of reform from 2014 to 2015, the government should consider social affordability and labor market development on the basis of actuarial analysis, and study methods and steps to delay the retirement age; second The first stage will be implemented nationwide; in the third stage, from 2019 to 2020, a unified basic pension insurance and basic social security system for employees will be established.
Pension unification is expected
In early 2013, the "Several Opinions on Deepening the Reform of the Income Distribution System" was released, and the relevant implementation details are expected to be released in 2014 after one year. Xu Shaoshi, director of the National Development and Reform Commission, said at the recent National Development and Reform Work Conference that in 2014 the National Development and Reform Commission will coordinate and promote the issuance of implementation details related to deepening the reform of the income distribution system and strive to increase the income of urban and rural residents, especially low-income groups.
It is worth noting that in the income distribution reform, the controversial dual-track pension system is expected to be resolved this year. Yin Weimin, Minister of the Ministry of Human Resources and Social Security, stated on December 26, 2013 that in terms of social security, the reform of the pension insurance system of government agencies and institutions will be promoted in 2014, and efforts will be made to solve the problems of "dual-track system" and "poor treatment".
Pension consolidation: Don’t talk about delayed retirement without pension consolidation
Pension is a secondary distribution of government transfer payments, and fairness is the first priority. The state has the obligation to let everyone live a dignified old life. The "dignity" here is only related to the natural attribute of a person's age, and has nothing to do with identity, occupation, social status, or contribution.
The National Human Resources and Social Security Work Conference was held on the 26th. Yin Weimin, Minister of the Ministry of Human Resources and Social Security, revealed that the current basic pension for urban and rural residents in China is 81 yuan per capita per month. What is concerning is that data from the Ministry of Civil Affairs show that as of August 2013, the national average urban and rural subsistence allowance standards were 352 yuan and 189 yuan per person per month respectively. The basic pension for urban and rural residents is less than half of the subsistence allowance.
The basic pension does not include the part that individuals get more if they pay more, but for those rural elderly and low-income people in cities who have no money to pay more premiums, this is all they have in their later years. What is 81 yuan enough for? A Xinhua News Agency commentary said that 81 yuan was only enough to buy 40 kilograms of rice in 2003; in 2009, the basic pension for urban and rural residents was 55 yuan per person per month, which could buy about 50 kilograms of rice. The deteriorating purchasing power of basic pensions is second. The key is that the absolute value is too small. It is so small that it is embarrassing to call it a "pension" and can only be regarded as pocket money.
Public opinion has been criticizing the dual-track pension system, saying that there is a huge gap between the pension benefits of retired corporate employees and civil servants. In fact, China’s pension system is more than just a two-track system? In addition to the civil servant pension system and urban employee pension insurance, which are fully paid by the government, there are also urban residents’ pension insurance and the new rural insurance. The gap between the latter two (ie, urban and rural residents’ pension insurance) and the former two is even more shocking than the gap between the “dual tracks”.
In recent years, rural elderly have frequently committed suicide. Once they lose the ability to work and have no children to support them, they have no choice but to wait for death or take the initiative to end their lives. We are also Chinese citizens. Why do some people have to make a living on their own or rely on raising children to support themselves in old age, while some elderly people can have enough food and clothing with the support of the public finance?
There is a view that pensions cannot be made into a big pot and must be distributed according to the size of contributions. Therefore, it is normal for pension benefits to be different. Regardless of whether the contribution of civil servants to society is greater than that of farmers, the common sense of income distribution in modern society is that primary distribution should focus on efficiency and secondary distribution should focus on fairness. Pensions undoubtedly belong to the secondary distribution of government transfer payments, so fairness is the first priority. Even if those high-income earners have made greater contributions to society during their working years, their contributions have been reflected in the first distribution. It is unreasonable if they receive more patronage from public finances than other citizens after retirement. Why should secondary distribution be fair? Because the state has the obligation to allow every citizen to live a dignified elderly life, the "dignity" here is only related to the natural attribute of a person's age, and has nothing to do with identity, occupation, social status, or contribution.
The fairness of secondary distribution determines that the pension system can only be "one track" rather than "multiple tracks." If differences are allowed, it can only be based on the principle of reciprocity of rights and obligations, allowing slight differences due to different payment years. Of course, different social classes have the right to strive for better pension benefits for themselves than those under the "First Track", but this "better" can only rely on personal efforts. For example, you can buy commercial pension insurance to make your life in your later years better than Ordinary people are better off and cannot afford to spend more taxpayer money.
In recent years, the calls for "pension consolidation" have become louder and louder. Unfortunately, although "pension consolidation" has also entered the vision of decision-makers, it is not as fierce as "delayed retirement".
Although pension merging is officially recognized as a trend, there has been no action. Even before the details of how to merge pension funds have been discussed, experts from all walks of life have begun to worry about the vested interest groups after the merger - some have proposed to provide pension funds to retired civil servants. Those who want to establish occupational pensions and anti-corruption pensions, and some suggest raising wages for civil servants first. So hesitant, when will the merger take place?
Even if there are 10,000 reasons to implement delayed retirement, the premise is to unify pension funds. After all, delayed retirement is only about the cumulative efficiency of pensions, while unification is about social equity. For the pension system, fairness is a hundred times more important than efficiency. As long as pensions are not integrated, it is impossible to win the understanding and recognition of the majority of people by delaying retirement.
"Delayed retirement" will be announced several years in advance
According to Xinhua News Agency, the Third Plenary Session of the 18th CPC Central Committee decided to "study and formulate a policy of progressively delaying the retirement age." Hu Xiaoyi, Vice Minister of the Ministry of Human Resources and Social Security, recently stated that gradually delaying the retirement age is in line with my country’s reality.
New Pension Insurance Policy Retirement Age 2016
"Delayed Retirement" is on the Agenda
Hu Xiaoyi said that a comprehensive analysis of my country's economic and social supply and demand and the degree of aging Development factors, refer to international experience, fully consider the current status and demands of different groups of retirement age, and adopt a gradual delay in retirement age on the premise of clear goals, which can not only ensure a smooth transition before and after policy adjustment, but also not affect the current employment situation. The situation has too much impact.
"The retirement age is a major social and economic policy. Judging from the development stage and inherent contradictions of my country's economic and social economy, it is indeed necessary to put the study of delaying the retirement age on the agenda." Hu Xiaoyi said that the decision was made to " "Studying and formulating a policy of progressively delaying the retirement age" is an important decision made by the Party Central Committee from the overall, long-term and strategic perspective of my country's economic and social development.
“Overall, that is, this policy involves multiple fields, is a highly comprehensive policy, and has a significant impact on economic and social development.” Hu Xiaoyi said, “Long-term, that is, this policy is not It only considers one, two or more years, but involves institutional arrangements for a long time; strategic, that is, this policy is related to our country's response to the challenges of demographic changes, making full use of human resources, giving full play to its advantages, and enhancing national strength."
my country’s current employee retirement age is 60 years old for men, 55 years old for female cadres, and 50 years old for female workers. This was stipulated in the "Labor Insurance Regulations" and the retirement policies of relevant government agencies and institutions in the early 1950s, and is still implemented today.
“In the early days of the founding of the People’s Republic of my country, the life expectancy of our country’s population was only about 40 years old. Based on factors such as working conditions, health levels, and physiological characteristics of men and women at that time, it was in line with the actual situation to set such a standard.” Hu Xiaoyi said, “ At present, the health level of our people has been greatly improved, and the life expectancy of the population has reached 74 years (higher in urban areas), but the average actual retirement age of male and female enterprise employees is only 54 years old, which is obviously low."
Hu Xiaoyi said that at present, our country's life expectancy is 74 years old (higher in urban areas). The average life expectancy in urban areas has reached over 75 years; coupled with the improvement of working conditions, the average labor intensity has been greatly reduced than before. If the retirement age continues to be kept low, on the one hand it will not be conducive to mobilizing the enthusiasm of young and middle-aged people for work; on the other hand, the pension benefits of retirees will not be continuously and reasonably improved.
At present, the Ministry of Human Resources and Social Security and other authorities have a relatively unified basic idea on delayed retirement policies. The general situation is that a small and slow approach will be taken, starting with raising the retirement age for women, and then gradually and slowly extending the retirement age for men and women; there will be a buffer period after the delayed retirement plan is introduced, and it will take about a few years of transition before the retirement age can be extended gradually. will enter the formal implementation stage.
Taking into account the large differences between different groups, the delayed retirement policy formulated by the Ministry of Human Resources and Social Security will have a certain degree of flexibility. The so-called flexibility means that there is no "one size fits all" approach. Specifically, priority will be given to protecting the legitimate rights and interests of laid-off and unemployed people, flexible employment, special types of workers and other difficult workers.
On March 9, Yin Weimin, Minister of Human Resources and Social Security, who participated in the National Two Sessions, stated that a delayed retirement plan will definitely be introduced before 2020. In the next step, the Ministry of Human Resources and Social Security will carefully listen to opinions from all parties and conduct full demonstration when formulating this policy.
According to current policies, the retirement age for Chinese men is 60 years old, while the retirement age for professional women is divided into 55 for female cadres and intellectuals, and 50 for female workers. Compared with the retirement age of men, the retirement age of most working women is lower.
Zheng Gongcheng, deputy dean of the School of Labor and Human Resources of Renmin University of China, believes that domestic women now have more room to delay retirement than men. Relevant departments should adopt a "women first, men first" approach when formulating delayed retirement policies. After about After a phased transition of about 30 years, the retirement age for men and women will eventually be adjusted to 65 years old.
Experts such as Zheng Bingwen, director of the World Social Security Center of the Chinese Academy of Social Sciences, and Yang Yansui, director of the Employment and Social Security Research Center of Tsinghua University, advocate the implementation of a "women before men" retirement policy. Zheng Bingwen believes that Chinese female workers should delay retirement for at least 8-10 years; Yang Yansui proposed in August last year that starting from 2015, female workers and residents born in 1965 should delay receiving pensions for one year, and those born in 1966 should be delayed for one year. Two years, and so on, by 2030, women will be able to receive pensions at the age of 65.
Zheng Gongcheng and Zheng Bingwen are both experts who have participated in the official formulation of pension system reforms. Entrusted by relevant departments, two experts drafted a pension system reform plan on behalf of their respective units in 2013 and submitted it to the Ministry of Human Resources and Social Security at the end of August. Among them, some suggestions related to national pension planning, "dual-track system" reform, delayed retirement, etc. have been affirmed by relevant departments.
Since October 2013, the Ministry of Human Resources and Social Security has organized relevant departments and experts to conduct multiple rounds of discussions on modifying and improving the top-level design plan for pension funds. Specific to delayed retirement, the basically unanimous view is that a "small step, staged, and gradual" approach should be adopted, starting with delaying the retirement age for women and then gradually transitioning to men; in the implementation of the delayed retirement policy, we will not engage in "One size fits all" will give priority to protecting some disadvantaged groups.
It can also be seen from the public statements of relevant departments that it is very likely to adopt a "women before men" delayed retirement policy in the future. At the end of 2013, a deputy minister of the Ministry of Human Resources and Social Security said in an interview that delayed retirement would start with the lowest retirement age group and then gradually expand to other groups; Jin Weigang, director of the Social Security Research Institute of the Ministry of Human Resources and Social Security, said at the National People's Congress Qian also said that at this stage, the problem of low retirement age for women in our country is very prominent.
It is expected that the time when relevant departments will introduce a delayed retirement plan may be during the "Thirteenth Five-Year Plan" period, and the specific implementation of this policy will have to be postponed for a few more years. The official reason for setting a "buffer period" for the delayed retirement policy, in Zheng Gongcheng's words, is "so that people can calmly arrange their work and retirement life under conditions with clear expectations."
In fact, according to information disclosed by the World Health Organization, the current healthy life expectancy of Chinese people is only 66 years, not 75 years as suggested by experts who advocate delayed retirement. It is also ranked only in the world. It ranks 81st, far behind Western developed countries such as the United States.
The new retirement age for 2016 is 65 years old.
From the 1930s to the 1950s, the average life expectancy of the national population was "low", mainly due to successive years of war and famine. This has led to the decline of a large number of young adults, especially the low survival rates of children and infants. The unfortunate death of too many minors does not affect the longevity of working-class people who live a relatively good life. When analyzing and studying the pension burden of urban employees, we cannot generally focus on the increase in the average life span of the entire population.
“According to my country’s current management system, male employees who are over 60 years old, female cadres who are over 55 years old, and female workers who are over 50 years old can go through retirement procedures. When this retirement policy was formulated, the national population average The age is 50 years old, and currently, the average life span of the Chinese population has exceeded 70 years old. ”
For many experts and scholars who advocate delayed retirement for wage earners
New China. The substantial increase in the average life expectancy of Chinese people over the past 60 years since its establishment is a very important basis. However, on this issue, the author feels that the source and use of relevant data are questionable and should not be too hasty and arbitrary.
Not to mention if we were really based on the current situation of "average life expectancy of 50 years" and prescribed "male workers must be over 60 years old, female cadres must be over 55 years old, and female workers must be over 50 years old" Is the "blank check" of "you can go through retirement procedures" humane? Does this not necessarily humane security concept and system design need to be continued? The so-called "average age of the national population is 50 years old" alone deserves serious study.
It may be true that from the 1930s to the 1950s, the average age of the national population was 50 years old, but this "low" average life expectancy was mainly due to the wars and famines at that time, including three years of natural disasters that led to a large number of deaths. The population of young adults is declining, especially children and infants
which are caused by low survival rates. The excessive number of minors who unfortunately die in infancy has greatly pushed down the "average life expectancy" of the national population. However, this overall "low" did not affect the "high" average life expectancy of the working-class people who were a relatively superior class of life at that time.
In other words, "the average age of the national population is 50 years old" does not mean that most Chinese people at that time will not live to be 50 years old, or that about half of the people will not live to be 50 years old. Rather, it means that the average life span of the overall population has been "pushed down" due to factors such as infant mortality, war and famine causing young adults to die prematurely. But this did not affect the relatively long life of the vast majority of wage earners in the society at that time. From what we have heard and witnessed, it is said that old people and retired cadres over 50, 60, and 70 years old were rarely seen in villages and cities in the past. Do you believe it? Especially the working class who eat commercial grain, what proportion of them are in Those who died before retirement? Can we say that most of them did not live past the age of 50 and did not receive pensions?
In view of these reasons, when we analyze and study the pension burden of urban employees, we cannot take a general approach For the average life span of the entire population, we need to separately calculate the average life span of the working-class people at that time, and then compare it with the average life span of current working-class people. Let’s see if there is a “20-year lifespan gap”. The survival rate of infants and young children is closely related to the medical level, living conditions, and happiness index of the entire society, but it has little to do with the number of years that wage earners receive pensions.
My grandson died at the age of 2. My grandfather lived until he was 98 years old. The average life expectancy is indeed 50 years old, but can you say that my grandfather did not live long enough to receive a pension? Can you say that only one of the "two salary earners" lived past 50 years old? ?Obviously, using the increase in life expectancy as an argument for delaying the retirement of wage earners is untenable.
There are indeed many more salaried workers approaching retirement now than in the early days of the founding of New China. This is an indisputable fact. But to say that they received an average of 20 years more pensions than retired employees that year, I really disagree.
First, increase the special allowance standards for senior professional titles.
Special allowance standards for retired scientific and technological personnel from enterprises with senior professional titles will be increased. The monthly standard for senior professional titles will be increased from 700 yuan to 1,000 yuan, and the monthly standard for deputy senior professional titles (including senior technicians) will be increased from 600 yuan. It is 800 yuan and will continue to be paid separately and will not be included in the annual adjustment base of the basic pension.
That is to say, retired scientific and technological personnel from enterprises with senior professional titles who received basic pensions for the first time after January 1, 2013 (including retired scientific and technological personnel from enterprises with senior professional titles who received basic pensions for the first time after July 1, 2013), Starting from the month when the basic pension is first received, special allowances for senior professional titles will be received.
Second, for retirees who are 75 years old or above before June 30, 2013 (including that day), each person will receive an additional 60 yuan per month, 720 yuan for the whole year, and a separate one-time payment , not included in the annual adjustment base of basic pension.
Third, if the basic pension for enterprise retired military cadres has not reached the city’s adjusted monthly per capita basic pension level after this adjustment, it will be calculated and paid based on the city’s adjusted monthly per capita basic pension level.
In addition, the "Interim Measures of the State Council on the Retirement and Resignation of Workers" (Guofa [1978] No. 104) stipulates that workers or grassroots cadres in enterprises, public institutions, party and government agencies, and mass organizations owned by the whole people, Those who are engaged in underground, high-altitude, high-temperature, particularly heavy physical labor or other work that is harmful to health should retire if men are over 55 years old and women are over 45 years old and have served for 10 consecutive years.
Latest news on delayed pension retirement in 2016. Latest pension insurance 4050 policy from 2014 to 2016. Notes on early retirement age:
1. Each person can only apply once. For example, if you participate After adopting the social pension insurance 4050 policy, if another unit pays social insurance to you, the existing 4050 subsidy will automatically stop being paid. Even if you lose the unit to pay social insurance again in the future, you cannot apply again.
2. The social pension insurance 4050 policy has nothing to do with delayed retirement. Participating in 4050 will not delay retirement.
The above are the three major adjustments made by the state to the social pension insurance 4050 policy in 2014, as well as the matters that should be paid attention to in the early retirement age. Other unadjusted contents generally maintain the original regulations and requirements. I believe that after reading the above content, everyone has a clear understanding of the new pension insurance 4050 policy. Everyone must pay attention to relevant national policy adjustments at any time so that everyone can make corresponding preparations and safeguard their own rights and interests. .
The latest news on the pension policy for flexible employment in Fujian in 2016: the payment base is increased
It was learned from the Provincial Department of Human Resources and Social Security that from January 1, 2016, there will be no self-employed businesses in our province The monthly payment base for basic pension insurance for household and flexible employment personnel is 2,100 yuan.
It is understood that according to relevant national regulations, the base for basic pension insurance premiums paid by individual industrial and commercial households without employees and flexible employment personnel is the average salary of on-the-job employees in urban non-private units in the previous year. But for a long time, our province failed to meet this standard. In December 2014, the Provincial Department of Human Resources and Social Security, the Department of Finance, and the Local Taxation Bureau jointly issued a document and decided to adopt a gradual increase method based on the actual conditions of our province. Through five years of efforts, the payment base for self-employed individual businesses and flexible employment personnel in our province will reach 60% of the average salary of urban non-private employees in the previous year, and then strive to reach the national average salary standard for urban non-private employees in the previous year.
In 2015, the monthly payment base for pension insurance for self-employed individual business households and flexible employees in all cities in the province except Xiamen was 1,600 yuan (Xiamen’s standard is much higher than the provincial standard). According to According to this calculation, the monthly payment standard for pension insurance premiums for this type of personnel is 320 yuan, and the annual payment is 3,840 yuan. After the monthly payment base is raised to 2,100 yuan, the monthly payment standard for pension insurance for relevant personnel is 420 yuan, and the annual payment is 5,040 yuan.
Flexible employment personnel are mainly self-employed workers, family helpers and other flexible employment personnel (such as hourly workers, etc.). Since this group of people does not have the employment and employment forms of general enterprises, they cannot purchase employee social security through their units. , so what should they do with their pension and medical security? Wobao experts suggest that you can make a good protection plan for yourself when purchasing commercial pension insurance. For example, Taikang Life Insurance’s “Taikang Xintai Annuity Protection Plan” and “Taikang Xintai Annuity Protection Plan” are fee-reformed annuity protection plans with clear benefits. Clear, steady value-added, taking into account education and retirement, to meet your all-round wealth protection needs. This protection plan consists of three products: "Taikang Xintai Annuity Insurance", "Taikang Supplementary RiRixin Annuity Insurance (Universal Type)" and "Taikang Supplementary Xintai Accident Premium Waiver Term Life Insurance".