What is the difference between people who retire within the system and those who retire outside the system?

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, 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.

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.