BeforeThere are about two weeks left of the August recalculation of pensions for working pensioners. What increase should I expect, how is it calculated and what does it depend on? Let us recall the main provisions of the law and provide formulas for independently calculating and monitoring the amounts that a working pensioner will receive after August 1, 2016.
The August recalculation of pensions for working pensioners is carried out on the basis of the rules and procedures described in Article 18: "Determination and recalculation of the amount of insurance pensions, a fixed payment to the insurance pension, an increase in the fixed payment to the insurance pension and adjustment of the size of insurance pensions."
The increase in pension after the August recalculation can be calculated using the formula
Increase =SPK x IPC 2015
What is “what” in this formula and what do you need to know to calculate the amount of the increase?
- SPK- according to Federal Law-400, this is the cost of one pension coefficient as of the day, withwhich the corresponding recalculation of the amount of the insurance pension is made according to old age. N and today there is some uncertainty regarding it. On the one hand, dFor working pensioners, the value of the pension coefficient (point) was not indexed in 2016, therefore, in the calculations, the Pension Fund of the Russian Federation can use the value of the pension point of the previous year (2015) - SPK = 71 rubles 41 kopecks. If the law is implemented literally, then the value of the pension point will be taken equal to today’s value (indexed by 4%) -SPK 2016 = 74 rubles 27 kopecks. Bye oh There were no official clarifications on this matter.
- IPK 2015- individual pension coefficient “earned” by a working pensioner for 2015 anddetermined on the basis of the amount of insurance premiums paid to the Pension Fund of the Russian Federation in 2015 (not taken into accountduring the previous recalculation).Let us immediately note that the value of the individual pension coefficient IPK 2015 in this formula cannot exceed ( according to Federal Law-400) value of 3 points.
If ordinary citizens (not pensioners) can find out the size of their IPC in the Personal Account on the PFRF website, then for pensioners, including working people, such information is not available on the PFRF website. However, its realIPK 2015a working pensioner can find out on the State Services website in the section “Obtaining information about the status of an individual personal account.” By making a request, you can receive an official “Notice on the status of an individual personal account” (form SZI-6), which will indicate, among other things,IPK 2015 .
If you are not registered on the State Services website, thenthe size of the increase andIPK 2015can be determinedwith the help of our based on annual earnings for 2015 (as a rule, everyone knows and remembers their salary).
Approximately estimateIPK 2015and the size of the increase is allowed by the diagrams below.
Finding out the size IPK 2015, it is easy to calculate the size of the insurance pension (JV) after recalculation:
SP "after" = SP "before" + IPK 2015 x SPK,
Where
- SP "after"- the amount of the “new” old-age insurance pension after recalculation on August 1, 2016;
- SP "do"- the amount of the old-age insurance pension before recalculation (as of July 31, 2016).
PS.
The described procedure for recalculation (through points) is used this year for the first time. as usual, again (in addition to non-indexation of pensions) infringes on the rights of working pensioners.
- Firstly, the ceiling limit is three points ( 214 rubles, 23 kopecks.) leads to the fact that those who have a higher real IPC sponsor the PFRF budget free of charge - points over three are assigned (confiscated) and remain at its full disposal. A well-earning working pensioner receives nothing in return.
- Secondly, in previous years, the increase in pension after the August recalculation was determined as follows: the pension capital earned by a working pensioner over the previous year was divided by the age of his survival - . Now, thanks to the point principle of accounting for pension rights, this " minus the number of full years in retirement"disappeared. The pension capital added in 2015 is divided by 19 years, and not by the remaining survival period - 19 years minus the number of full years in retirement. The reason is that for everyone, the starting value of the pension point was determined once and for all for the surviving age of 19 years, and then simply indexed.
16/04/2017
Every year, an increase for working pensioners in August is carried out by the Pension Fund according to the new Law No. 400-FZ. Not only the name of the allowance has changed, but also the basic calculation rules.
Currently, the increase in pension amounts in August for working pensioners is called recalculation. It is carried out without submitting an application. As a result, the number of points accumulated at the end of the year and the amount of monthly payments themselves increases.
Therefore, it would be incorrect to call such an increase indexation. is not carried out, but recalculation is carried out for work in August. You can find out what the increase will be in August and whether you are entitled to it from this article.
What pensions will increase from August 1
Calculation of additional payments is carried out only for insurance pensions. This is due to the fact that the increase occurs only due to insurance premiums. All other payments remain the same. It must also be emphasized that there will be no increase in the fixed payment from August. will also remain the same.
Working pensioners who receive old-age and disability insurance pensions have the right to an increase if they received a “white” salary. Recipients of payments in the event of the loss of a breadwinner also have the right to recalculation, but only once - from August 1 of the year following the year the payments were assigned.
What is pension recalculation in August for working pensioners?
First, you need to remember that the amount of any insurance pension is calculated based on (individual coefficient). And even after her appointment, their number is not final. For a working pensioner, their number may be increased.
Since 2015, all insurance contributions from our salaries are transferred into points and taken into account on an individual basis.
Many continue to work after retirement. In this case, insurance premiums from their wages continue to go to the Pension Fund. They are converted into so-called points. To get them back as part of your pension, you do not need to write any applications. For this purpose, the Pension Fund of the Russian Federation will carry out an undeclared return of accumulated points annually in August for pensioners who continue to work.
Recalculation for pensioners in August (clause 3, part 1, article 18 of the Law “”) is calculated based on unaccounted coefficients after the pension was assigned.
- For example, recalculation in August 2018 for working pensioners will be calculated from unaccounted points for the period of work from January 1, 2017 to December 31, 2017. If he officially worked during the specified period, then an increase will be established for him from August 1, 2018.
Recalculation restrictions in August
Salaries, and therefore insurance premiums not taken into account after appointment, are different for all working pensioners. Therefore, the bonus in August will be individual.
But there are important restrictions introduced by part four of Article 18 of Law No. 400-FZ:
1. For “silent” pensioners who do not have a funded payment, the maximum such increase in August is limited to 3 points.
2. For those who create savings in non-state pension funds (NPFs) and management companies, the maximum increase in the month of August is limited to 1.875 points.
Due to the fact that since 2014 all our insurance premiums are transferred to the formation of insurance payments, regardless of the choice of NPF or Management Company, then for recalculation in August 2018 the maximum limit will be three points for everyone.
How is the increase calculated for working pensioners in August?
Let's look at the recalculation in August using examples. To calculate the increase from August 1, 2018, we need to know the following data:
1. The amount of unaccounted insurance premiums for the period of work from 01/01/2017-12/31/2017;
2. The standard amount of insurance premiums in 2017 (approved by the Decree of the Government of the Russian Federation is equal to 140,160.00 rubles).
Example 1. Recalculation for a working pensioner in August 2018 with a small salary:
- Olga Sergeevna was granted an old-age insurance pension in 2012, but she worked as a pastry chef in 2017. Her salary was 16,000 rubles per month.
Step 1. Let's calculate the annual amount of insurance premiums for 2017;
A) The total annual salary is 192,000 rubles (6,000 rubles * 12 months)
B) The amount of insurance premiums for the year is 30,720 rubles (192,000 rubles * 16%)
Step 2. Let's convert the annual amount of insurance premiums into points; Let’s use the approved formula and the number of accumulated coefficients for Olga Sergeevna in 2017 will be equal to 2.192 (30720/140160*10)
Step 3. Find out the increase in rubles;
Due to the fact that Olga Sergeevna quit her job back in January 2018, the calculated coefficients must be multiplied by the current value of the pension point as for a non-working pensioner. As a result, we will receive an increase from August 1, 2018 in the amount of 178 rubles 63 kopecks (2.192 * 81 rubles 49 kopecks).
Example 2. Recalculation for a working pensioner in August 2018 with a large salary:
- Anna Borisovna was granted an old-age insurance pension in 2014, but she continues to work to this day as a production manager. In 2017, her salary was 32,000 rubles per month.
Step 1. Let's calculate the annual amount of insurance premiums for 2017;
A) The total annual salary is 384,000 rubles (32,000 rubles * 12 months)
B) The amount of insurance premiums for the year is 61,440 rubles (384,000 rubles * 16%)
Step 2. Let's convert the annual amount of insurance contributions into pension coefficients;
Let’s use the approved formula and the number of points accumulated for Anna Borisovna in 2017 will be equal to 4.384 (61440/140160*10)
Step 3. Find out the increase in rubles;
Due to the fact that the maximum increase is limited to 3 points, when recalculating Anna Borisovna from August 2018, only 3 coefficients will be taken into account instead of the calculated 4,384 points.
And since it is continuously working to this day, the amount of increased payments will be 214 rubles 23 kopecks (3 * 71 rubles 41 kopecks).
From the above examples, you can see that the final amount of the increase as a result of the August recalculation for working pensioners depends not only on the points earned, but also on
Each retired employee will have his own increase. It depends on the length of work experience and salary. But the authorities determined the maximum possible indexation ceiling, linking it to accumulated points. The cost of one point is 81.49 kopecks.
“The maximum increase will be three pension points, calculated at the cost of 2017, that is, 235.74 rubles,” the Pension Fund said.
There is no need to urgently write an application for pension recalculation and run to the branch of the Russian Pension Fund for an additional supplement. The territorial bodies of the Pension Fund recalculate the insurance pensions of working pensioners automatically, the Pension Fund clarifies.
Today, the average pension for working pensioners is 13.3 thousand rubles, Gazeta.Ru was previously told in . In 2017, based on the results of recalculation, the average increase in pension was 169 rubles.
According to the Pension Fund of Russia, more than 50% of citizens work in the first years after retirement age.
Adjustment of pensions of working pensioners taking into account insurance premiums occurs in August annually. Indexation of pensions for this category of pensioners has been frozen since 2016.
In 2017, such pension recalculation affected 11.8 million pensioners. A year earlier, 12.9 million pensioners received increased pensions. The increase in pensions amounted to 149.8 rubles after recalculation, as noted in the materials of the Russian Pension Fund.
Earlier, the First Deputy Prime Minister of the Government and Minister of Finance made it clear that changing the approach to working pensioners was inappropriate.
“We see that working pensioners have higher rates of wage growth compared to our forecasts. Therefore, we said that we would consider this issue in the context of changes in pension legislation,” he noted.
Until 2016, pensions of working Russians were indexed along with other payments, but later the increase in allowances for this category of citizens was canceled due to the difficult economic situation.
According to the head of the Ministry of Labor Maxim Topilin, an additional 250 billion rubles per year will be required to index the pensions of working pensioners.
In turn, the Deputy Prime Minister previously stated that the indexation of pensions of working pensioners is not included in the package of changes to the pension system.
Let us remind you that on July 19, the bill on raising the retirement age was approved in the first reading. It provides for an increase in the retirement age from 55 to 63 years for women and from 60 to 65 for men. The transition to the new system will be implemented in stages until 2034. The deadline for submitting amendments has been extended from August 18 to September 24.
How the life of Russians will change from August
From August 1 (Federal Tax Service) of Russia will begin to publish information about taxpayers that were previously classified as tax secrets.
The Federal Tax Service website will contain information on the average number of employees of organizations, the special tax regimes applied to them, as well as data on the participation of organizations in the consolidated group of taxpayers as of December 31 of the year preceding the year of their placement.
Data will be published in relation to business partnerships and companies, with the exception of those included in the list of strategic enterprises and organizations of the military-industrial complex, as well as those classified as the largest taxpayers.
From August 3, the cost of obtaining an updated foreign passport (biometric) will also increase in Russia from 3.5 to 5 thousand rubles. Documents for a child will now cost 2.5 instead of 1.5 thousand rubles.
In addition, obtaining a new driver’s license will cost 3 thousand rubles (previously the procedure cost 2 thousand rubles). For a vehicle registration certificate, you will have to pay a fee of 1,500 rubles (paper documents now cost 500 rubles).
Finally, at the end of August in Russia prices for vodka with an alcohol content of 37-39% will change. Now the minimum retail price for a bottle of this strength and volume of 0.5 liters will be 205 rubles.
Now the MRP for vodka with a strength of 40% is exactly 205 rubles, for vodka with a strength from 37 to 38% - 196 rubles, for vodka with a strength from 38 to 39% - 201 rubles.
- Alexander Evgenievich, as you know, these summer days the issuance of one-time benefits from maternity capital is actively underway. This is undoubtedly an important event for financial support for large families. How does this procedure go in your Pension Office, and what conditions must be met so that there are no discrepancies when receiving payments?
- As of today, the PFR Branch in Moscow and the Moscow Region, starting from June 27, 2016, has accepted 87,534 applications for a one-time payment of 25 thousand rubles from maternity capital funds. Of these, 35,821 applications were accepted in Moscow and 51,713 applications in the Moscow region. 3,165 applications were submitted electronically through the official website of the Russian Pension Fund www.pfrf.ru, of which 1,660 were submitted in Moscow and 1,505 in the Moscow region.
Our Office accepted more than four thousand applications from June 27 to July 28 of this year. 249 submitted electronically.I would like to remind you that when submitting an application electronically, a personal visit to the customer service is not required.I repeat once again, for those who have not yet exercised their right to receive a one-time payment in the amount of 25 thousand rubles from maternal (family) capital. They can submit an application to our department. This applies to those families who received or will receive the right to a state certificate for maternity capital before September 30, 2016 and did not use the entire amount of capital for the main areas of its expenditure. Application must be submittedno later than November 30, 2016. It indicates the series and number of the maternity capital certificate and account details to which 25 thousand rubles will be transferred in a single payment within two months, or a smaller amount if the maternity capital balance is less than 25 thousand rubles. When visiting the Pension Fund or MFC, it is recommended to have an identification document (passport), a certificate for maternity capital and a certificate of compulsory pension insurance (SNILS). The Russian Pension Fund recommends scheduling a visit at a convenient time using the electronic pre-appointment service on the Pension Fund website. For a visual comparison, I note that in 2009 and 2010 you could get 12 thousand rubles in your hands. as a lump sum payment. Last year, you could receive 20 thousand rubles as a one-time payment. This year the amount was increased to 25 thousand rubles.
How long will the Maternity Capital Program last due to the difficult economic conditions in the country?
This year, for the first time, maternity capital was not indexed, but the program itself was extended until the end of 2018 and the amount that can be received in hand was increased. This year it remained at the level of 453,026 rubles. Let me remind you that maternity capital is provided to families that have a second or subsequent child. The program includes not only spouses who have given birth to two or more children, but also those who have adopted them. You can use maternity capital funds three years after receiving the certificate.
As a rule, maternity capital is registered in the name of the mother. However, if the mother is deceased or deprived of parental rights, the father can receive the certificate. To receive funds, he will need to present the relevant documents.
- What if parents are deprived of parental rights?
If both parents are dead or deprived of parental rights, then the child or his legal representative until the age of 18 can receive the money. For those who are full-time students at an educational institution, this period has been extended to 23 years.
- Please remind me what maternity capital can be spent on?
The possibilities of maternity capital are constantly growing and the scope of its financing of various household services is expanding. It can be used as a down payment on a mortgage and mortgage payment. Three years after receiving maternity capital, it can be spent not only on a mortgage, but also on the construction of housing, as well as on its repair and purchase.
Maternity capital can be used to pay for children's education. Moreover, you can spend it on both a kindergarten and a higher education institution. The main requirement is that the educational institution must be located on the territory of the Russian Federation. And this rule applies not only to basic education, but also to additional education - music school, art school, sports school, and so on.
You can transfer maternity capital to form the funded part of your mother’s pension. An important feature of this function is that the law allows you to withdraw these funds from your pension and spend them on other needs, such as buying a home or educating children.
Since January 1 of this year, a new opportunity to use maternity capital has appeared - the rehabilitation of disabled children. The only problem is that this function is compensatory in nature. That is, parents must first find money somewhere to purchase goods or services for a disabled child, and then these funds will be returned to them from maternity capital.
- What news in pensions are expected in August?
From August 1, 2016, we will begin accepting monthly reports from employers on personalized accounting for July 2016. Monthly reporting was introduced on April 1, 2016 in order to determine whether a pensioner is working. Employers must submit an additional monthly reporting form (SZV-M) for personalized accounting for July 2016 no later than August 10. For failure to submit within the prescribed period or submission of incomplete or unreliable information, financial sanctions in the amount of 500 rubles are applied to the policyholder in respect of each insured person.
Let me remind you that Programs for the preparation and verification of the Unified Reporting Form, which greatly facilitate the process of preparing and submitting reports for insurance premium payers, are publicly available on the Pension Fund website www.pfrf.ru in the “Electronic Services” section. In addition, you can use the Pension Fund’s electronic service “Insured’s Account.” All document forms, data formats, and reporting verification rules are posted here. In the Account you can view the register of payments, receive a certificate on the status of settlements, issue a payment order, calculate insurance premiums, issue receipts and much more in real time.
Also, from August 1, it is expected that pensions for working pensioners will be recalculated in the direction of its increase.
- So, the annual indexation of pensions for working pensioners will continue in August?
- The pensions of pensioners who worked in 2015 will be increased in August 2016. The increase will be within three pension points, that is, the maximum increase will be 222.8 rubles.
Insurance pensions of pensioners who worked in 2015 will be increased without application from August 1, 2016. Pensioners do not need to contact the Pension Fund; pensions will be recalculated automatically.
Let me remind you that in February 2016, insurance pensions for non-working pensioners were increased, in April, social pensions were increased, and in August, insurance pensions for pensioners who worked in 2015 will be increased.
- There is information about scammers who go door to door and, on behalf of the Pension Fund, offer dubious services to pensioners. Do pension fund workers also go door to door and offer services to pensioners?
- Indeed, today there are many scammers who are trying to deceive pensioners and cash in on their pennies. So, for example, taking advantage of the gullibility of older people, some private firms offer to fill out applications to the Pension Fund, citing the need to draw up applications in strict accordance with the law. Naturally, these companies provide such services for money.
However, such services are provided free of charge by employees of the Pension Fund in all client services.
I also have facts that scammers call pension recipients and, posing as Pension Fund specialists, offer them financial subsidies - to replace batteries, windows, etc., after which they ask for their bank card number.
Pension Fund specialists do not request personal information over the phone; they are not authorized to visit citizens or provide government services at home.
I would also like to draw attention to the surge in activity of scammers who specialize in transferring pensioners from the Pension Fund of the Russian Federation to Non-State Pension Funds, including through illegal means.
Increasingly, we receive complaints from our clients about dishonest actions of NPF agents who present themselves as employees of the “decision enforcement service.” Such a service does not exist; it is possible that scammers in this case are trying to use an analogy with the Federal Bailiff Service. They come to pensioners’ homes and demand, on the basis of a non-existent law, according to which citizens are obliged to transfer funds from the Pension Fund to the Non-State Pension Fund, passport and SNILS in order to fill out documents. All methods of illegal crossing are designed to exploit the inattention and gullibility of citizens. Unscrupulous agents only need to know the citizen’s full name and SNILS details in order to transfer pension savings without the knowledge of their owner. That is why citizens need to be extremely careful in presenting documents to third parties and carefully read each document they sign. Along with the new scheme, old, already well-known methods are also used: scammers introduce themselves as employees of the Pension Fund of the Russian Federation, advertise for the employment of citizens in order to collect documents, etc. Let me emphasize once again that employees of the Pension Fund do not conduct in-home consultations and contracts with insured persons at home do not conclude.
Once again, I would like to remind you that reception of the population on issues related to pension provision, receipt and exchange of SNILS, participation in the Program of State Co-financing of Pension Savings, obtaining a certificate for maternity capital, management of pension savings and other services are carried out only in customer services and pension departments of territorial bodies Pension Fund, according to the established schedule.
I strongly recommend that pensioners be vigilant and immediately report any suspicious facts of possible fraud to law enforcement agencies or our department’s hotline: 8. 495. 987.09 19
– Well, what good news still awaits our pensioners who are served at the Pension Fund of the Russian Federation No. 5 in August?
- In August, our Office will open free English language courses for non-working pensioners. Using special, simplified accessible programs, those interested will be able to master the basics of conversational speech, grammar and phonetics of the English language.
The courses will begin on August 3 in the building of the State Pension Fund of Russia No. 5, on Panfilova Street, building 7 in Khimki.
