2025-ben is változatlan marad a nyugdíjkorhatár, azaz az 1960-ban születettek elérik a 65 éves kort, és ezzel jogosulttá válnak az öregségi nyugdíj igénylésére. Bár a nyugdíjkorhatár stagnál, a leginkább érdeklődésre számot tartó kérdés, a nyugdíjak emelése, mindössze 3,2%-os növekedést hoz. Ez az emelés éppen csak követi a költségvetésben előre jelzett inflációt, miközben az idősek vásárlóereje már évek óta fokozatosan csökken – számol be hírlevelében a Nyugdíjguru,
A 3,2%-os nyugdíjemelés mértéke látszólag megfelel a 2025-re prognosztizált infláció ütemének. Farkas András nyugdíjszakértő szerint ugyanakkor az infláció valódi mértéke sokszor év közben derül ki.
Ha 2025 első nyolc hónapjában a tényleges infláció meghaladja a mostani előrejelzést, a kormány novemberben kiegészítő nyugdíjemelést vagy egyszeri kompenzációt nyújthat. Ez azonban nem csökkenti a januári emelés alacsony mértéke miatti feszültséget.
Nyugdíjprémium: Egy álom marad?
Nyugdíjprémiumra 2025-ben csak akkor számíthatnak az érintettek, ha a GDP-növekedés meghaladja a 3,5%-ot. Az előrejelzések szerint azonban ez nem reális, így a prémium valószínűleg kimarad az idősek számára.
Továbbra is változatlan a legkisebb nyugdíj
A legkisebb öregségi nyugdíj összege 18 éve nem emelkedett, és 2025-ben is változatlanul 28 500 forint marad. Ez az összeg szinte teljesen elvesztette reálértékét, hiszen 2008 óta az infláció folyamatosan emelte az árakat, miközben az alapellátás nem követte a gazdasági változásokat. Ez a helyzet különösen fájdalmas azoknak, akik minimális szolgálati idővel rendelkeznek, és akiknek ez az összeg a mindennapi megélhetés alapját képezi.
13. havi nyugdíj és kedvezmények
2025 februárjában ismét érkezik a 13. havi nyugdíj, amely a havi ellátás összegével megegyező pluszjuttatásként szolgál. Fontos azonban, hogy ezt csak azok vehetik igénybe, akik 2024-ben legalább egy napot, valamint 2025 februárjában is nyugdíjasok voltak.
Továbbra is járulékmentes marad a nyugdíj melletti munkavégzés, így az idősek könnyebben vállalhatnak munkát anélkül, hogy keresetükből szociális hozzájárulási adót vonnának le. Ez a lehetőség ugyan kedvező, ám kérdéses, hogy mennyi idős ember tud ténylegesen élni vele.
Kevés, de marad
A 3,2%-os nyugdíjemelés aligha nyújt érezhető segítséget az idősek számára, különösen egy olyan gazdasági környezetben, ahol az élelmiszerárak és az energiaárak gyakran gyorsabb ütemben nőnek, mint az infláció. Bár a rendszer biztosít bizonyos kompenzációs mechanizmusokat, ezek gyakran utólagosan lépnek életbe, amikor a háztartások anyagi helyzete már súlyosan romlott. A minimálnyugdíj nyugdíj hosszú évek óta változatlan szintje pedig jól mutatja, mennyire hiányzik az alapellátás modernizációja.
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