Differences between pensions in and out of the system

This morning, Lao Zhang went shopping in the supermarket. Every time I buy something, the shopping cart is full, with fish, meat and many snacks that my grandson likes to eat. In the supermarket, Lao Zhang suddenly saw a familiar figure. Isn't that his former colleague Lao Zhao? Hurriedly went up to say hello, but when Lao Zhao saw Lao Zhang, he looked embarrassed and said hello in a hurry. He said he had something to do and left first. Lao Zhao has been shopping in the supermarket for a long time. He always looks at the price tag first, considers the price, and finally buys some discounted vegetables. I happened to meet Lao Zhang and left immediately.

Lao Zhang and Lao Zhao are colleagues. Both of them first worked in a state-owned enterprise. Lao Zhang has been working in this state-owned enterprise and just retired this year. Lao Zhao left the state-owned enterprise halfway. Around the 1990s, the benefits of enterprises were very poor, and the wages were pitifully low. Some people can't bear it anymore, so they come out of state-owned enterprises. At that time, Lao Zhao came out of state-owned enterprises and found a job himself. But Lao Zhang has always stayed in state-owned enterprises.

With the development of the times, the state has continuously increased its support and investment in this industry, the benefits of enterprises have gradually improved, and the wages and benefits of employees have been significantly improved. At that time, many people who came out of the enterprise wanted to go back, but there was no chance.

In the state-owned enterprise where Lao Zhang is located, in addition to the normal pension, retired employees can also enjoy additional enterprise subsidies, which means that there is no difference between the pension received by retirees and the salary at the time of entry, that is, the bonus at the end of the year is missing. Lao Zhang gets 654.38+100000 every month. Moreover, the pension will rise every year, which can make a retired old man live a comfortable life.

But Lao Zhao is different. After leaving the state-owned enterprise, he went to a friend's company to help. At that time, the salary was much higher than that of state-owned enterprises, but the company closed down in less than two years, and Lao Zhao had to find another way out. So I stumbled all the way and never had a stable job. Income is unstable, insurance is intermittent, and payment is made at the minimum base, and payment is often interrupted. Especially when they are getting older, they have no skills, their competitiveness in the workplace is getting weaker and weaker, and they are often unemployed at home. I managed to make it to retirement, and my pension was pitiful. I wish I hadn't left the state-owned enterprise, but people can't go back.

Lao Zhang is my second uncle and Lao Zhao is my second uncle's former colleague. My uncle often tells me about his experience in state-owned enterprises, which makes me deeply touched. People still have thirty or forty years to live after retirement. Compared with my uncle and his colleagues, the difference in pension treatment inside and outside this system is very obvious. Sometimes, we should take a long view. The state-owned enterprise where my uncle is located is strongly supported by the state in terms of the nature of the industry. Although the temporary benefit is not good, from the long-term planning point of view, it will definitely be valued by the state. Working hard from the system depends on ability and opportunity, and everything is not so certain.

Then, what is the difference between those who retire within the system and those who retire outside the system in terms of pensions and welfare benefits?

Units within the system refer to state organs, state-owned enterprises and institutions. Units outside the system refer to private enterprises, private enterprises, foreign enterprises, individual economy, freelancers, etc.

First, there is a clear gap in pensions.

It is an indisputable fact that the retirement pension in the system is high. Especially in enterprises and institutions directly under the state, retirees in some units have enterprise subsidies, and some enterprises also have enterprise annuities, so retirees receive no less pensions than employees.

In 2022, the pension "18 increase" can be said to have been determined. This matter is good for every retired worker.

But in fact, the increase of retired workers in the system is greater than that of retirees outside the system. Because the basic direction of pension increase is that the longer the basic pension payment period, the greater the increase; At the same time, the more the basic pension is paid, the more it will rise. The social security payment period of staff in state-owned enterprises and institutions is basically more than 30 years, and the payment amount is also large.

Therefore, according to the method of raising pensions, the increase of pensions for employees of state-owned enterprises and institutions will be much higher than that of employees of enterprises outside the system.

People outside the system are generally insured at the minimum base.

Most enterprises have no enterprise annuity treatment. Besides,

Few people will retire in companies outside the system, so job-hopping is common, and some people often have social security contributions.

Many people who work outside the system have no fixed jobs, start their own businesses or work everywhere according to the social security of flexible employees. Therefore, it is difficult to bridge the gap between retirees outside the system and retirees within the system.

Second, the difference in medical insurance treatment

Taking Beijing as an example, the medical insurance benefits enjoyed by retired workers outside the system are: retirees under 70 years old,1.The expenses above 300 yuan can be reimbursed, and the reimbursement rate is 70%. For retirees over 70 years old,180% of the expenses above 300 yuan can be reimbursed. The maximum payment limit for outpatient and emergency medical expenses is 20,000 yuan.

Therefore, retirees outside the system must bear part of the medical expenses.

However, many units in the system have given supplementary medical insurance to on-the-job employees and retired employees. In addition to the self-funded part of medical expenses, the part that is not reimbursed by medical insurance and supplementary medical care is reimbursed. Many retirees go to the hospital to see a doctor, which basically doesn't cost much.

Third, the differences in welfare benefits.

People outside the system implement socialized management after retirement, and have no connection with their previous work units and no sense of belonging.

State organs, state-owned enterprises and institutions have set up special departments to manage retired workers.

They often organize activities for retired workers in send warm, such as: answering various questions of retired workers; On holidays, holiday condolences, rice, noodles, oil, or shopping vouchers will be issued; Organize the physical examination of retirees every year; Organize retiree gatherings regularly: spring outing, autumn outing, calligraphy and painting competitions, and enrich the life of retirees. Even if retirees are seriously ill in hospital or die unfortunately, people from the unit will come to visit or sympathize with their families.

Therefore, in the system, although employees are retired, they feel that they are still members of the unit and there are no fewer benefits.

Fourth, the inner sense of stability is different.

Because different pensions bring different sense of stability and security to retirees.

Retirees in the system have high pensions and complete welfare benefits, and the annual salary increase is higher than that of those outside the system, which is enough for retirees to live a rich and secure life. With the support of economic strength, retired people can arrange their retirement life in a colorful way.

I have a friend who works in a travel agency. She said that retired people often sign up for group tours abroad. Most of them worked in state organs and state-owned enterprises before retirement. My cousin used to sell health care products for a period of time, and basically all the people who paid the bill were retired old people from government institutions and state-owned enterprises. Many elderly people who live in high-end pension apartments and pension communities also retire from the system.

Retirees outside the system have low pensions, which may only be enough to maintain basic daily living expenses. If the family has a heavy financial burden, they have to go out to work to subsidize their families. The quality of retirement is not high.

We see some old people who want to go out to work or do some small business when they should enjoy their old age. It is really forced by life.

Of course, the difference between retirement within the system and retirement outside the system is not absolute, and it can only represent most situations. Some people work hard outside the system and do it like a duck to water. For example, some corporate executives and self-employed entrepreneurs have accumulated wealth for themselves and will live a rich retirement life.

Fifth, write it at the end.

Generally speaking, retirees within the system are indeed richer than those outside the system, and their old age is more secure. So, why do so many people sharpen their heads and go to work in the system now? Every national civil service exam, thousands of troops cross the wooden bridge. This is why many parents want their children to work in the system.

Although the salary in the system does not look very high, it is not as good as that of Internet giants and Fortune 500 foreign companies. However, after all, work is only twenty or thirty years, and retirement will occupy most of life.

At present, the average life expectancy in China has reached 77.3 years. Life in the future can only be longer and longer, so that everyone's retirement life will exceed working hours.

Therefore, if you have the opportunity to enter the system, you still have to seize the opportunity. This can be more stable, and it can be regarded as giving yourself more life-long protection.