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2024年,养老金又涨了,养老金调整方案不一样啊!

  • 2025-11-26 21:37:26

    关于养老金，咱们这儿有个好消息得告诉大家！到了2024年啊，咱们的养老金又要涨啦！你说这好事儿咋就轮上咱们了呢？哈哈，别急，别急，我这就给大家细细说说。

咱们先说说这养老金调整的事儿。这调整啊，它可不是随便涨涨那么简单，它得有个公式，叫做“定额调整+挂钩调整+倾斜调整”。哎，听起来挺复杂的，其实说白了就是看你的养老金多少、工龄长短、年龄大小，然后再给你涨点儿。
咱们举个例子啊，像老王这位退休人员，他每个月的养老金是3000块钱，工龄呢，有30年，现在63岁了。按照这调整公式一算，定额增加了50块，养老金挂钩涨了30块，工龄挂钩又涨了60块。不过啊，老王还不算高龄退休人员，所以就没再额外给他涨。这么一加起来，老王总共涨了140块钱。
再看看老刘这位退休人员，他的养老金可就高了，每个月6000块钱呢！工龄也有40年，现在71岁了，还算是高龄退休人员。这一算啊，定额增加了50块，养老金挂钩涨了60块，工龄挂钩涨了80块，再加上高龄退休人员的额外40块，老刘总共涨了230块钱！
哎呀，你看这差距，同样是退休人员，因为养老金、工龄、年龄的不同，涨的钱也不一样。这就是调整公式的妙处了，它让每个人的涨幅都能体现出个人的差异。
咱们再聊聊去年的上海养老金调整方案吧。定额调整是61块钱，缴费年限挂钩调整呢，就是看你工龄多长，每满1年就给你加1块钱，但最少也得加15块。基本养老金水平挂钩调整呢，就是按照你养老金的1.8%来涨。还有高龄调整，分了好几个档次，70-75岁的每月多拿25块，75-80岁的每月多拿35块，80岁以上的每月多拿45块。这方案真是挺人性化的，考虑到了不同年龄段的需求。
那今年呢？咱们假设定额调整为55块钱，挂钩调整中与基本养老金挂钩的部分降到了1.7%。再假设有位老人，他工龄20年，今年65岁。如果他的养老金是1500块钱，那他这次能涨多少钱呢？按照这标准一算，定额加55块，工龄挂钩加20块，再加上养老金挂钩的1.7%部分，总共能涨100.5块钱！同样的条件下，如果基础养老金是3000块钱，那涨的钱就更多了，能涨126块钱！
咱们再说说另一个调整方案吧。定额调整是35块钱，工龄挂钩呢，是每增加满一年工龄就提升1.2块钱。养老金水平挂钩的部分，提高幅度是1.5%。还有高龄人群的倾斜性调整，70岁到79岁的老人每月多拿25块钱，80岁及以上的老人每月增加40块钱。这方案也是挺合理的，既考虑到了工龄和养老金水平的差异，也照顾到了高龄老人的需求。
就拿刚才说的那位养老金3000块钱、工龄30年、63岁的退休人员来说吧，按照这方案一算，他这次能涨140块钱。而那位养老金6000块钱、工龄40年、71岁的高龄退休人员呢，他涨的钱就更多了，能涨230块钱！这差距啊，一眼就能看出来。
所以啊，大家别小看这养老金调整，它可是关系到咱们每个人的切身利益啊！咱们得好好了解这调整方案，看看自己能涨多少钱，心里才有个数。同时呢，也得感谢国家的好政策，让咱们的晚年生活更有保障、更幸福！
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  122. /yingpanguazai/ssd/ssd1/www/www.rcgz.com.cn/vendor/topthink/think-orm/src/db/concern/TableFieldInfo.php ( 2.63 KB )
  123. /yingpanguazai/ssd/ssd1/www/www.rcgz.com.cn/vendor/topthink/think-orm/src/db/concern/Transaction.php ( 2.77 KB )
  124. /yingpanguazai/ssd/ssd1/www/www.rcgz.com.cn/vendor/topthink/framework/src/think/log/driver/File.php ( 5.96 KB )
  125. /yingpanguazai/ssd/ssd1/www/www.rcgz.com.cn/vendor/topthink/framework/src/think/contract/LogHandlerInterface.php ( 0.86 KB )
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  1. CONNECT:[ UseTime:0.001171s ] mysql:host=127.0.0.1;port=3306;dbname=rcgz;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.001482s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000685s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 1 [ RunTime:0.000656s ]
  5. SELECT * FROM `fenlei` WHERE `fid` = 2 [ RunTime:0.000646s ]
  6. SELECT * FROM `fenlei` WHERE `fid` = 3 [ RunTime:0.000632s ]
  7. SELECT * FROM `fenlei` WHERE `fid` = 4 [ RunTime:0.000510s ]
  8. SELECT * FROM `fenlei` WHERE `fid` = 5 [ RunTime:0.000613s ]
  9. SELECT * FROM `fenlei` WHERE `fid` = 6 [ RunTime:0.000627s ]
  10. SELECT * FROM `fenlei` WHERE `fid` = 7 [ RunTime:0.005883s ]
  11. SELECT * FROM `fenlei` WHERE `fid` = 37 [ RunTime:0.000642s ]
  12. SHOW FULL COLUMNS FROM `article` [ RunTime:0.001519s ]
  13. SELECT * FROM `article` WHERE `id` = 236769 LIMIT 1 [ RunTime:0.000973s ]
  14. UPDATE `article` SET `lasttime` = 1764773350 WHERE `id` = 236769 [ RunTime:0.012978s ]
  15. SELECT * FROM `fenlei` WHERE `id` = 2 LIMIT 1 [ RunTime:0.000662s ]
  16. SELECT * FROM `article` WHERE `id` < 236769 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.001197s ]
  17. SELECT * FROM `article` WHERE `id` > 236769 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000955s ]
  18. SELECT * FROM `article` WHERE `id` < 236769 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.001789s ]
  19. SELECT * FROM `article` WHERE `id` < 236769 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.049931s ]
  20. SELECT * FROM `article` WHERE `id` < 236769 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.084530s ]
0.332192s