Some people's health is very bad, can not find a good job, can only be in the neighborhood, in the property, security, sanitation to find some work part-time, and earn a very small salary, that is, 1,000 ~ 2,000 yuan, the south of the city may be a higher wage.
There are a lot of laid-off workers, health insurance, pension insurance, no money to pay, open a little salary can only maintain life, and on the old, under the small, some of the body is not good, if this part of the people early retirement, it can be said that, really solve part of the hardship of laid-off unemployed workers, the full embodiment of the society to take care of the laid-off workers.
But this is completely impossible, laid-off unemployed workers, health insurance, pension insurance can not afford to pay, no one to give you the bill, can only rely on their own.
Now society is not a lack of labor, there is no lack of talent, the number of college graduates in 2018 amounted to 8.2 million, how to set up a scientific view of career choice, college students to find a good job is also very difficult, not to mention the ordinary junior high school students, can not find a job at home to stay at home, many, many.
If workers can retire early, they can pour out their positions and arrange for the unemployed youths, so that the unemployed youths can have a job to do, isn't it great? I have not mentioned civil servants here, as we all know, and know better than anyone in our hearts. I think scientists, and hospital doctors late retirement is still good for society, after all, older people, skilled, and contribute to society more.
Thanks for the invitation: In our industry, there are not many advantages and disadvantages of early retirement, most of them are in a kind of helplessness, before applying for early retirement.
As an old worker engaged in human resource management for many years, I have personal experience. I was in 1997 when the enterprise restructuring, do human resources management, when the old state-owned enterprises have more than 1,500 people, restructuring of an employee identity replacement, part of the implementation of the internal shunt, "4050" personnel retired, and a part of the job is not enough to set up, into the labor company to choose the opportunity to get on the job. Instead of being given the opportunity to be laid off, they are essentially laid off. Laid-off personnel unit is only responsible for the payment of "five insurance and one gold," nothing else. From 98 to 17 years in this decade, including normal and early retirement, the cumulative total of more than 200 people I have done retirement. (I retired in 08 years)
If there are any advantages, I think the first is favorable to the individual, because the retired workers do not have to go to work, can be on time every month, the full amount of pension, the basic life has been guaranteed. Secondly, it reduces the burden on enterprises, which do not have to pay "five insurance and one gold" for the retirees, the mood of the employees is stable, and the internal and social environment of the enterprise is relatively stable.
The disadvantage is that the actual number of years of contributions is less, according to the national social security policy: "pay more, pay more, pay more," the theory of early retirement than normal retirement, less than five years of social security contributions, the retirement pension than the normal retirement of the personnel less than 1,000 yuan.
Different industries workers, have their own unspeakable pain, good economic performance, can normally pay wages, benefits better enterprises, according to the current social security contributions, not many willing to retire early, the same post, different pay, the same pay contribution index is not the same, and indeed also hurt the heart of the front-line production workers. Therefore, early retirement is more advantages or disadvantages, we do not care.
With more and more rumors of delayed retirement, people are very worried about delayed retirement. In fact, what people prefer is early retirement. I'm the same way, I think I'd like to retire at 40 if I can. Why?
Advantages of early retirement
One of the biggest advantages of early retirement is actually the security of a stable income.
Many people don't care about retirement benefits, they just want a stable source of income. As we get older, the employment risk is getting higher and higher. If you are not careful, you may be unemployed and laid off, and it is very difficult to re-employ. The 4050s are generally referred to as the hard-to-employ people.
With the retirement package, it can be said that the future is "into the attack, retreat can defend". Now there are indeed many old people retired without rest, after all, now living conditions are good, everyone's health condition is also very good, many old people dry to sixty or seventy years old no problem. This is the case with my colleague's father. After his retirement, he took up a cleaning job and earned a salary of two to three thousand dollars a month, which, together with a pension of more than 1,000 yuan, was a very good income. My mother also worked as a sanitation worker for five or six years after retirement.
Early retirement, the treatment can continue to improve. According to past experience, the state will adjust the basic pension of retirees every year, and people's retirement benefits have tripled or quadrupled over the past 15 years. There are some old people who only receive three or four hundred yuan pension when they retire, after more than ten years of growth, the pension is now increased to two or three thousand yuan. There was even a time when the pension adjusted annually after early retirement was higher than continuing to work for one more year of contributions.
Therefore, it is common for people to want to retire earlier.
Why would you delay retirement?
The disadvantages of early retirement are not obvious, because it is cost-effective any way you look at it. However, it is not cost-effective for the state, which is preparing for delayed retirement. Guaranteeing a stable pension package for retired seniors is the basic purpose of the state's establishment of pension insurance.
At the end of 2018, we have 117.98 million people receiving pension benefits, and only 301.04 million people are insured and contributing to the insurance, the dependency ratio of the pension insurance is 2.55:1. But don't think that the insured people are the ones who contribute to the insurance, every year, due to unemployment or arrears of fees and other reasons, there are about 20% of the insured people who do not contribute, that is to say, the actual dependency ratio of our pension insurance is 2:1. The ratio is 2:1.
In 2018, the income of our basic pension insurance fund was 5.11 trillion yuan, and the expenditure was 4.46 trillion yuan.In 2017, governments at all levels subsidized the pension insurance fund by 800.4 billion yuan, and it is expected that in 2018 it will be close to one trillion yuan. Without state subsidies, the pension insurance fund would have long outlived its income.
According to the Pension Calculation Report 2019~2050 published by the Academy of Social Sciences, the accumulated balance of the pension fund is expected to peak in 2027, which is about the same time as our population peak. By around 2035, the cumulative balance of the pension fund will be depleted. Without changes to the current retirement model, the current balance will reach a negative $11.28 trillion in 2050.
In fact, it is very simple to say that it is a choice between lowering the retirement benefits or delaying the retirement 2 choose 1. Pension benefits should be in line with economic and social development, otherwise it would be contrary to the original purpose of the establishment of pension insurance, so delaying retirement may become the optimal choice. Of course, the state can also increase financial subsidies, expand the base of insured persons, allocate state-owned assets and other ways to slow down the increase in the pressure on the income and expenditure of the pension fund. However, these are all treating the symptoms but not the root cause of the problem, with the rapid arrival of China's aging society. Solving the problem of pension pressure is an urgent task facing us. Therefore, the state has long proposed the introduction of progressive delayed retirement policy.
It is hoped that in the implementation of the relevant retirement policy, the focus can be on taking care of the enterprise manual laborers and unemployed laid-off workers, so that they can flexibly choose the retirement age.
Disadvantages
1, early retirement caused by the waste of labor
Some early retirees have skills, expertise, experience, still in the best period of strength and work, and a considerable proportion of them are skilled professionals, although the original unit quit the workplace, the vast majority of them will be looking for opportunities to re-engage, and these people will not be too picky about the choice of work, the remuneration of the work will not be too picky, and the work will not be too picky, the work will not be too picky. These people will not be overly picky in choosing jobs, treatment will not be overly demanding, they will re-employment through various means, their competitiveness is stronger than ordinary unemployed workers, resulting in laid-off unemployed workers jobs are crowded out. Especially the new employers do not need to pay social insurance premiums for them, the use of low-cost, this employment behavior, a serious impact on the labor market, in the case of rising employment population, increasing the pressure of social employment. Therefore, the early retirement triggered a large number of "retired without rest" phenomenon, to the laid-off unemployed workers re-employment has brought resistance, the actual increase in the unemployed population.
2, early retirement to the balance of social pensions caused by tension
On the one hand, a large number of workers to retire from the production position, the reduction in the number of employees in the workforce, directly resulting in a reduction in the average wage of employees in the previous year, affecting the total contributions to the pension fund. On the other hand, the early retirement of a large number of workers increases the burden of the pension fund, the overall decline in the level of basic pension insurance, resulting in the pension fund spending more than the income of the social insurance fund, resulting in an unnecessary loss of social insurance fund
Advantages
1. Early retirement can be not to receive a pension in advance, do not have to work and contribute to social security contributions
2. The first is to increase the number of jobs and ease the pressure on college students. Today's society, one of the major contradictions this time is the difficult problem of employment of college students, more and more graduates, but also jobs can not meet the demand, so early retirement can bring the graduates need jobs. It will help expand consumption. Retired people have nothing to do when they will think of going abroad to travel to take a break, which will inevitably increase personal or family consumption, increase economic circulation. Reduce the phenomenon of redundancy in some enterprises, is conducive to improve the management level of enterprises. Some companies have jumped around too much, and the management is limited and inconvenient, the early retirement of personnel can alleviate the redundancy phenomenon, which is conducive to the long-term development of the enterprise.
Building owner, you are good, early retirement is actually more advantages, disadvantages are relatively few, because if you are not institutions, no administrative duties, then generally this early retirement is a great benefit, of course, if you are the administrative institutions of the public service, then if their own years of participation in the insurance is relatively to be more words, because you can obtain A job allowance title allowance and a certain amount of allowance treatment, so that the longer your working life, then you get the pension treatment is relatively high.
But if you as a general enterprise workers, then this situation choose early retirement is to be more favorable than the delayed retirement, because early retirement, after all, you can let you a few years ahead of time to get the pension treatment, but also can pay less a few years of pension insurance treatment, then this way in fact, they get the money is relatively more.
Then there is another point is that if you can retire early, then try to choose to retire early, so that they are good, even after early retirement, they want to continue to work, then you can continue to rehire to the original unit, in this case you can get a double source of income, then you get this total income is relatively high, so that the Early retirement is a lot of benefits.
Thanks for reading, please add my attention.
Hello owner, what are the advantages and disadvantages of early retirement? In fact, it is not that you want to be able to early retirement can be early retirement, this point we first need to understand him, and to understand him, what kind of conditions have early retirement? If the enterprise as a working employee to speak, then in fact, if you say is engaged in special jobs, and in special jobs in the work of more than 10 years, this situation can be for early retirement, another situation is due to the total loss of labor ability is also can be early for retirement, so that meet the two conditions of one, then you can be early to handle the retirement!
The benefits of early retirement to us, in fact, is still a lot. On the one hand, early retirement, you can enjoy the treatment of this pension in advance, then, on the other hand, you can also pay a few years of pension insurance, so that down in fact, you get the pension treatment is relatively more. So there is some benefit to the individual.
But not everyone can apply for early retirement, so that early retirement is a certain condition limitations, then you only meet the requirements of such a condition limitations, you can apply for early retirement, enjoy the pension treatment. Of course, early retirement in addition to the treatment of early receipt of pensions, on their own or a lot of benefits, such as your retirement, continue to be employed in the original work unit, then you can get a double source of income, so some of these are on their own
Thank you for reading, please add my attention.
On this issue, we can only say that we can't say one way or the other, it's different for each person! If an ordinary manual laborers, of course, if you can retire early is a good thing, you can enjoy the pension treatment in advance,
If the work is easier, the treatment is better, then there is no need for what early retirement, and can even delay the retirement.
Early retirement is not necessarily a good thing, and it's a no-brainer.
The advantage of early retirement is that you can spend your spare time on your own, and there is no pressure to work.
The disadvantage is to adjust yourself in time to avoid entering a state of inactivity, and to develop interests and hobbies that suit you.
There are two sides to everything, and early retirement has both advantages and disadvantages.
The advantages are:
First, physical and mental relaxation.
No matter what kind of work you do, it's a lot of work, and some of it is even intense, stressful, and responsible. After early retirement, you will no longer work, do not need to work hard, no pressure, the whole person's body and mind will be completely relaxed.
Second, you can start a business again.
If you have good health and connections, you can start a new job again, and if you do well, your income will be higher than when you are working. I know a civil servant who retired early and became a lawyer, and his income has increased a lot.
Three, do what you like.
If you don't want to work anymore, then you can do something you like. For example, traveling, square dancing, attending senior university, or raising flowers and plants, fishing, etc., start enjoying life in advance.
The disadvantages are:
First, the income is reduced.
Retirement is going to be more than half the income you had when you were working, even less for early retirement, and always less than normal retirement later.
Two, early aging.
For those who do not know what to do after retirement, all day life is irregular, nothing to do, the time to use the brain and hands after retirement is reduced, it will accelerate the aging of the body's functions, and it is easier to get Alzheimer's disease.