Citizens of the Russian Federation who have worked officially are guaranteed an old-age insurance pension by the state. Not long ago, the system of assigning and calculating pension payments in the Russian Federation underwent reform. Let's look at what old-age insurance is and what its size is in 2019.
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Concept
The legal framework provides a complete definition of the described preference. The old-age insurance pension is a monthly deduction from the budget of the Pension Fund of Russia (PFR) to recipients. Such payments are characterized as conditionally accumulative. Their purpose is to compensate citizens for income lost due to loss of ability to work.
Attention: financing of insurance pensions is carried out on the basis of the principle of distribution of joint income of the Pension Fund.
What is the difference from labor
In previous years, the relevant legislation designated the pension as a labor pension. After the reform, this term was replaced by insurance payments. The difference lies in the principle of taking into account the contribution of a citizen, which gives the right to assign maintenance in old age.
- Previously, the total work experience was calculated. Its size influenced the amount of the pension payment.
- Now the periods are taken into account:
- insurance period - the time when contributions were made to the Pension Fund for the worker;
- included in the list of exceptions, namely:
- child care;
- care for disabled people of group 1; and citizens who have crossed the 80-year-old threshold;
- conscript service;
- some others.
Starting from 2015, the right to a pension is taken into account in points or coefficients. These indicators are converted into rubles based on the government-approved price of one point.
Conditions for receiving insurance pension payment
The conditions for obtaining an insurance pension assigned in connection with age-related disability are contained in the eighth article of the law “On Insurance Pensions”. These include:
- The citizen has reached the age specified in the text of the document.
- Availability of confirmation of transfers of contributions to the Pension Fund budget for a strictly defined period or more.
- Presence in the pension file of information on the minimum number of individual coefficients.
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Specific Condition Parameters
Attention: the law establishes a list of conditions under which preferential pensions are possible up to the established age threshold. There are also cases where the retirement age is higher than the general one. In particular, among civil servants.
- The length of service should ideally be 15 years. However, such a requirement will only be established by 2024. For 2019, it is equal to 10 years, as the process of gradual transition to new conditions of insurance coverage is underway.
- The same applies to the indicator of individual coefficients (points). By 2025, a citizen who has accumulated 30 points will be able to apply for an insurance pension.
Who is entitled to a preferential pension?
The legislation defines two large groups of citizens who can qualify for early social payments from the Pension Fund. They are divided according to the following criteria:
- working conditions;
- belonging to certain social categories.
Information on specific preferential conditions is contained in the current legislation:
- Thus, the first group usually includes people who worked for a certain time in harmful conditions, in hazardous industries, in the Far North. Professions are listed in special lists. However, preferential conditions will be taken into account when the worker can prove the transfer of increased amounts to the Pension Fund budget. It must be carried out by the enterprise.
- Benefit recipients based on social characteristics include:
- mothers of many children (five or more children);
- parents raising disabled children;
- disabled people injured during hostilities;
- and others.
Important: you can use the right to early assignment of old-age maintenance if you have:
- insurance period determined by law;
- belonging to one of the preferential categories;
- minimum score: 16.2 in 2019.
Amount of old age insurance payment
A fundamentally new methodology was developed in such a way that the final old-age payments depended on:
- the duration of official periods of employment;
- salary amounts;
- age for applying for a pension.
The logic of the process of forming a joint pension budget is as follows:
- When a worker is officially registered, the company makes a contribution to the Pension Fund for him, equal to 22% of his salary (with the exception of certain amounts).
- The contribution amount is transferred to individual coefficients (IPC) and is taken into account in your personal file.
- The number of points directly depends on:
- the amount of the contribution (i.e. salary);
- duration of payments.
Structure of insurance pension accruals by age
The insurance pension consists of two parts, calculated separately. It includes the following components:
- basic;
- premium.
The latter depends on the coefficients accumulated over the years of work. And the basic or fixed component (BC) is the same for all citizens. It is part of the state-guaranteed pension.
In addition, for certain categories of citizens, an increase in the fixed component has been established. These include:
- disabled people of group 1;
- elderly citizens who have crossed the 80-year-old threshold;
- people who worked or lived in the regions of the Far North or equivalent (multiples of the established coefficients for these territories);
- agricultural workers.
Formula for calculating pension benefits
Despite the complexity of the methodology, the calculation is quite simple. Thus, PFR specialists have been using the following formula since 2015:
- RSP = IPC x SOB + BV, where:
- RSP - indicates the size of the final old-age insurance payment;
- IPC - as indicated above, accumulated individual coefficients or points;
- GSS - the equivalent of one point in rubles, determined on the date of appointment;
- BV - basic payment.
It is worth noting that this formula applies equally to all citizens. Those for whom production was transferred to the Pension Fund before 2015 will have their contribution amounts converted into points.
Amount of basic (fixed) payment in 2019
In accordance with the federal budget law for 2017, the basic payment was increased by 5.8%. Its amount was 4823.37 rubles. However, not all pensioners received such a component in 2017.
In 2016, the government came to the conclusion that there was not enough money to index pensions. It was decided to leave working recipients of old-age benefits without the annual increase associated with inflation processes.
Attention: the basic indicator for working pensioners remained at the 2016 level - 4558.93 rubles. In 2019, after indexation, it was equal to 5334.19 rubles. Download for viewing and printing:
How is old-age insurance determined?
When appropriate legal conditions arise, the applicant should write an application at the nearest Pension Fund branch. You can do this:
- personally;
- by post;
- through a representative;
- on the official website of the Pension Fund (via the Internet);
- in a multifunctional center (if there is one in the city).
The general rules for processing applications are as follows:
- Pension payments are assigned from the date of application, but not earlier than the right to them;
- an exception is the case of application within a month from the date of dismissal (the date of calculation of the insurance pension is considered to be the day following the termination of employment);
- Pension Fund specialists are given ten working days to process documents:
- exceptions are cases when additional documents are required;
- three months are allotted for such work without changing the date of assignment of the pension;
- A justified refusal is sent to the applicant’s address within five days;
- the letter must indicate the terms and conditions for appealing it.
List of required documents
There are a number of documents that are required. So, it is recommended to have originals and copies of the following documents with you:
- the applicant’s passport or residence permit for foreigners (they limit the period for assigning pension accruals);
- certificates of compulsory pension insurance (SNILS);
- work book, certificate of work at enterprises, if the data is not included in an official document;
- data on income for 60 consecutive months in the work book until December 31, 2001.
However, periods of high income must meet the following conditions:
- cover a full 60 months, with the exception of periods when the citizen did not work officially;
- follow each other in the work book (excluding any is not allowed).
Example of calculating the minimum old-age pension
To determine what the smallest amount of insurance payment is, you can use the above data for 2019:
- basic payment 5334.19 rubles;
- the cost of one point is 87.24 rubles;
- the number of minimum required coefficients is 16.2.
Substituting everything into the formula, we get:
16.2×87.24 rub. + 5334.19 rub. = 6747.5 rub.
Important: the amount received is significantly below the subsistence level. Such insurance pensions are subject to federal supplements, which increase their size.
Where do you receive old age pensions?
The method of listing the content is determined by the applicant during the writing of the application. Typically, the following enumerations are used:
- through the post office;
- to a bank account.
The method of transferring money can be changed by the recipient on his own initiative. To do this, you should write an application at the Pension Fund office.
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In 2015, changes were made to the pension system, they affected the formulas for its calculation, and a new concept appeared for our citizens - “a fixed payment to the insurance pension.” It is due to every pensioner who is assigned insurance money.
What changed?
The concept of “labor pension” has ceased to exist. It consisted of a savings part and an insurance part. Now legislators have introduced two independent pensions: funded and insurance. Years of working activity are converted into pension points (in legal language - individual pension coefficient). Insurance premiums paid by employers to the Pension Fund of Russia are converted into these points.
Non-insurance periods also appeared as a norm. These included military service in the army, maternity leave, a period of caring for elderly people who have turned 80 years old, etc. For these periods, points are also awarded, which will be taken into account when assigning monetary support upon the onset of disability.
The fixed payment is regulated by Federal Law No. 400 “On Insurance Pensions,” which came into force two days before the new year 2013. It cancels the previously existing basic part of the pension, which was guaranteed as the minimum payment for the onset of incapacity for every citizen who retired due to age. The fixed payment in 2015 replaced the basic part, that is, the state refused to provide pension guarantees to citizens who had not earned them.
According to the law, you must earn a certain number of points during your working life. When calculating pensions, they are converted into rubles through the assigned value. And full-time experience does not always provide the amount of points required for pension provision.
"Basic" amendments
Changes have also been made to the calculation of insurance coverage: the basic part is now called a fixed payment to the new insurance pension. That is, the pensioner receives a pension, in legal terms, insurance coverage, part of which is a fixed payment. Both parts represent a certain amount of money, which is paid monthly and guaranteed by the state (in case of a sufficient number of pension points). Here you need to understand that the fixed part of the pension is established by the Government of the Russian Federation, that is, it does not depend on the amount of contributions paid. But it is subject to the rules of indexation, the percentage of which is calculated based on inflation recorded at the end of last year. As well as the type of pension provision and category of disability.
The pension recipient has the right to transfer part of these points to any management company or choose for this purpose any pension fund owned by non-state structures. They invest the invested funds, thereby increasing their retirement savings.
Old age insurance benefit
An insurance pension is a kind of compensation for wages, the receipt of which is impossible due to loss of ability to work (due to old age or established disability).
A fixed payment to the old-age insurance pension is assigned by the Government and paid in a certain (fixed) amount. The law identifies several categories of pensioners entitled to an increased fixed payment.
It is worth noting that the insurance pension, both for a working pensioner and a non-working one, is assigned on a general basis. But there are some peculiarities in insurance payments for pensioners who continue to work. They are related to:
- indexation provided for working pensioners;
- recalculation of pensions for working pensioners;
- recalculation of payments after dismissal.
As a general rule, non-working pensioners have the right to annual indexation of a fixed payment. As before, in 2017, the size of the fixed payment to the insurance pension is equal to the increase in the consumer price index. Pensioners who continue to work do not have this right. Their payments will be indexed only after dismissal.
What does a fixed payment to an insurance pension mean?
The pension system consists of several levels. One of the important ones is compulsory pension insurance. Therefore, employers must pay insurance premiums for each employee (insured person). Today these payments amount to 22%, six of which go to the solidarity part (even in the case of a funded pension). It is from this part of the interest that the fixed payment is formed.
Since these payments are financed by the policyholder, they are due only to the insurance pension. That is, three types of additional payments are formed: a fixed payment to a guaranteed insurance pension due to the loss of a breadwinner or disability, and the same payment to an old-age insurance pension.
There is no fixed payment for social, funded or state pensions.
The formula by which insurance payments are calculated
The fixed payment is assigned simultaneously with the insurance pension. To do this, a citizen needs to contact the branch of the Pension Fund at his place of residence and submit the necessary documents.
The pension is calculated as follows;
- SP = ƩB x SB + FV.
- Where, FV is a fixed payment.
- SB - value (changeable value) of a pension point.
- ƩB - the amount of earned pension points.
Categories of pensioners
The purpose and calculation of a fixed payment depends on the cause of disability. Legislators distinguish several categories of pensioners. So who is entitled to a fixed payment to their insurance pension? It is guaranteed to be paid to persons:
- those who have lost their breadwinner;
- who have 25 years of experience (men) and 20 (women), at least 15 of which worked in the Far North, or in natural areas equivalent to them;
- became disabled;
- having orphan status;
- who have reached retirement age (for men this is 60, for women - 55 years).
Establishment procedure
The establishment of a fixed payment to the insurance pension, as well as the pension itself, is made by the body that implements the pension provision of citizens who apply for a pension at the place of registration. This provision is regulated by the federal norm of December 15, 2001, FZ-167 “On compulsory pension insurance in the Russian Federation.”
A citizen can submit an application to the institution providing pensions or one of the departments of the multifunctional center at the registered place of residence. The MFC will accept documents only if there is a valid agreement between the MFC and the institution implementing pension provision. The employer also has the right to apply for payment with the written consent of the employee.
Request for payment can be made in the form of an email. The procedure for its registration and provision is determined by regulations of the Government of the Russian Federation. This application is transmitted through information and telecommunication networks permitted for general use (Internet) to the Unified Portal of State and Municipal Services.
The list of necessary copies and originals of documents required for the calculation of a fixed payment and/or its recalculation for various reasons is compiled by the Government of the Russian Federation.
A separate category of pensioners
These include civil servants and military personnel. The state transfers pension contributions for them. That is why the pensions of these citizens are handled by the departments to which they belong.
Legislation provides for payments for them:
- for the loss of a breadwinner (applies to the families of the deceased);
- when registering a disability;
- according to length of service.
In rare cases, the department transfers contributions to the Pension Fund for a future pensioner. In this case, he will be assigned an insurance pension, but without its fixed part.
Indexing
All types of insurance pensions include a fixed payment. For each category of pensioners, a certain amount is established. Every year the state indexes the fixed payment to the insurance pension, due to which the total amount increases.
The law provides for annual indexation of insurance pensions and fixed payments. They increase on February 1 by a specially calculated index of growth in prices for consumer goods in the previous year.
Fixed payment to the insurance pension in 2017
Last year, due to insufficient funds in the accounts of the Russian Pension Fund, the Government suspended the indexation program. Therefore, this year it was decided to increase the fixed contribution by 5.4%. After these changes, the size of the fixed payment to the insurance pension in 2017 became:
- for old age - 4,805.11 rubles;
- for disability groups I, II, III - 9,610.22 rubles, 4,805.11 rubles, 2,402.56 rubles, respectively;
- for the loss of one breadwinner - 2,402.56 rubles.
The cost of the individual coefficient (one pension point), which is the basis for calculating the insurance pension, has also changed. This year it was taken equal to 78.28 rubles (before February 1 of this year it was 74.27 rubles).
Thanks to these changes, in 2017 the average annual insurance pension will reach 13,620 rubles. Compared to last year, it increased by almost 500 rubles.
Indexation this year took place on the basis of the legal act of the Government of the Russian Federation No. 36 of January 19, which approved the coefficient of the upcoming indexation for a fixed payment to insurance pensions in 2017.
Potential additions to the fixed payment
These amounts can only be increased by the number of dependents and the age of the recipient. As well as work experience in difficult climatic conditions (for example, in the Far North or equivalent regions). An increased payment is guaranteed, even if the pensioner no longer lives in difficult climatic conditions. In general, the fixed payment to the insurance pension for northerners can be increased in two ways.
The first option is an increase due to the regional coefficient. The Government of the Russian Federation has established this standard for pensioners permanently residing in the Northern region.
The second option is valid for those who have 20/25 years (female/male) of total (earned) insurance service, as well as 15 or more years of which were worked in the regions of the Far North. This allows you to increase the fixed payment by another 50%.
Pensioners who are entitled to both options for increase are required to choose one at their discretion when applying for insurance coverage.
The fixed payment to the old-age insurance pension doubles if the recipient is 80 years old.
Dependents (up to three people and unemployed) add 1,519.64 rubles to the fixed payment.
Opportunities to increase your insurance pension are increasing
A citizen’s later application to the Pension Fund significantly increases the fixed payment to the insurance pension. The desire of an employee to continue working after the onset of official disability is now natural, because life expectancy in our country is increasing. Before the new law came into force, pensioners, while continuing to receive wages, applied for a pension. The new norm suggests not applying for insurance coverage. In this case, the increase in the fixed payment to the insurance pension at the time of receipt will be significant. This happens due to the annual calculation of a special coefficient. The norm is valid from January 1, 2015.
The grounds for recalculation are provided for by Federal Law No. 173-FZ, as well as the Administrative Regulations (Order of the Ministry of Labor dated March 28, 2014 No. 157). And it is carried out only in the following cases:
- changes in the number of dependents of a pensioner;
- reaching the age of 80 years;
- changing the category of pension recipient in the event of loss of a breadwinner;
- recognition of a pensioner as a disabled person of group I or when changing group;
- acquiring the required amount of work experience in the Far North, or in areas with difficult climatic conditions;
- change of place of registration: either moving to the region of the Far North and zones equivalent to it, or leaving them.
Persons who received a pension before January 1, 2015, but continue to work, are also entitled to a recalculation.
The right to it is considered declarative, that is, it is exercised on the basis of a written application to the local bodies of the Pension Fund. Recalculation is acceptable for all categories of pensioners. If certain circumstances stipulated by law occur, a downward recalculation is possible.
You can submit an application in person at the MFC, or you can also submit it through your employer, having formalized your consent.
Without an application, the pension payment is recalculated only downwards when the pension recipient reaches 80 years of age, as well as when receiving the first disability group. All other cases require a written personal statement from the pensioner. It requires a package of supporting documents. The law allocates five working days to prepare a response. If it is necessary to verify the provided data, the consideration of the case may last up to three months.
Recalculation is scheduled from the first day following the circulation of the month. A special scheme is provided only for pensioners who have received a disability group:
- if the assigned group makes it possible to increase the old-age pension payment or one already assigned for disability, then the recalculation will be scheduled from the date specified in the ITU;
- if the fixed payment changes downward, the recalculation will occur from the first day of the next month;
- upon reaching 80 years of age, the fixed payment increases from the date of fulfillment of this date.
A refusal to satisfy a pension recipient’s application for recalculation must be submitted no later than the expiration of five working days. The pensioner, if desired, has the right to submit a written complaint to the Pension Fund and a statement of claim to the court.
Article navigationChanges from January 1, 2017
There are a number of important changes that have occurred since the beginning of 2017:
- Increasing the minimum quantity and quantities required for appointment.
- 1st of February- by the amount of inflation last year;
- April 1- depending on the growth rate of the cost of living over the past year.
Let us recall that in 2016 the operation of paragraph. 4 Article 25 of the Law “On state pension provision in the Russian Federation”, part 21 of article 15 and part 6 of article 16 of the law “About insurance pensions”, in connection with which insurance and state pensions were indexed by only 4%, with significantly higher inflation in 2015 - 12.9%.
Unlike the previous year 2016, starting from the new year 2017, members of the Government have repeatedly promised to restore the legal order of indexation and carry it out in full, as required by law.
“We have decided that in 2017 pensions will be indexed in full.”
Prime Minister D.A. Medvedev
Thus, the draft budget already includes the necessary funds to increase pension provision, which indicates the serious intentions of the state in this direction.
Pension increase in 2017 for old-age pensioners
Labor (after pension reform insurance) pensions are increased by indexation (SIPC) and (FV) - components of the insurance pension after the pension reform in 2015. After the increase on February 1, 2016, these parameters were established in the following values:
- the cost of a pension point is 74.27 rubles;
- The fixed payment amount is 4558.93 rubles.
The Ministry of Finance and the Ministry of Economic Development predicted an inflation rate of 5.8%, in which case the indexation coefficient would be 1.058. However, published data from the Federal State Statistics Service indicates a consumer price index for 2016 of 5.4%. In this regard, Maxim Topilin (Minister of Labor and Social Protection) stated that the indexation coefficient of insurance pensions and social payments in February 2017 will be 1.054 (with SIPC = 78.28 rubles, FV = 4805.11 rubles). However, the Federal Law on the Budget of the Pension Fund of the Russian Federation notes that on April 1, 2017, the cost of a pension point will be set at 78 rubles 58 kopecks, and therefore must pass second indexation of insurance pensions, which in total will be 5.8%, resulting in On April 1, the insurance pension was additionally increased by 0.38%.
Table of indexation of insurance pensions by year
Year Previous year inflation rate Indexation percentage Indexation coefficient 2011 8,8% 8,8% 1,088 2012 6,1% 10,65% 1,1065 2013 6,6% 10,12% 1,1012 2014 6,5% 8,31% 1,0831 2015 11,4% 11,4% 1,114 2016 12,9% 4% 1,04 2017 5,4% 5,8% 1,058 - SIPC 2017 = 78.28 × 1.058 = 78.58 rubles;
- FV 2017 = 4805.11 × 1 = 4805.11 rubles.
On April 1, only the value of the pension point increased, the amount of the fixed payment remained without changes.
Indexation of pensions for working pensioners
As one of the anti-crisis measures, a decision was made to increase pensions for working citizens in connection with the annual increase in their number. According to Rosstat for 2016, the share of working citizens was 36% of the total number of pensioners.
It is believed that the material security of pensioners who continue to work is higher than that of non-workers, since in addition to the pension they have additional financial income in the form of wages.
Thus, the law of December 29, 2015 No. 385-FZ came into force, which from 2016 provides pensions to working recipients until they leave work. After dismissal, they will be returned to the usual indexation procedure, taking into account all increases that took place during the work.
- Working pensioners from January 1, 2017 this restriction will not be lifted and their pension will be increased in February will not.
- Moreover, as Maxim Topilin (Minister of Labor and Social Protection) stated, in the draft law on the federal budget not provided return indexing all the way until 2019, since otherwise this may lead to significant additional costs that the State cannot currently afford.
The adopted restrictions do not apply to pensions (including social ones), regardless of whether the pensioner works or not.
Indexation of social pensions on April 1
Social pensions are not calculated according to a formula, but are set at a fixed amount, unlike insurance ones, and depend on the category of the recipient. They should depend on changes in the level of the pensioner’s cost of living. Over the past 8 years, one can observe fluctuations in the level of indexation of pension provision, both upward and downward.
Year Indexation level 2010 12,51% 2011 10,27% 2012 14,1% 2013 1,81% 2014 17,1% 2015 10,3% 2016 4% 2017 1,5% The head of the Pension Fund of the Russian Federation, Anton Drozdov, previously stated that indexation of social pensions in 2017 is envisaged at 2.6% - this is precisely the level predicted by the Ministry of Economic Development. However, on March 16, Dmitry Medvedev signed, according to which social pensions will be increased by only 1.5%, which represents an increase in PMP in 2016 relative to 2015. In accordance with this, it is possible to calculate the indexed amount of pension provision for each category of recipients.
Recipient categories Until April 1, 2017, rub. After April 1, 2017, rub. - citizens aged 60 and 65 years (women and men);
- persons from among the small peoples of the North, aged 50 and 55 years (women and men);
- disabled people of group 2 (except for disabled people since childhood);
- children left without one parent, under 18 years of age, and for full-time students - 23 years of age
4959,85 5034,25 - disabled people of group 1;
- disabled people of the 2nd group since childhood;
- children under 18 years of age or in full-time education - up to 23 years of age, left without both parents, and children of a deceased single mother
11903,51 12082,06 - disabled children;
- disabled people of group 1 since childhood
9919,73 10068,53 disabled people of 3 groups 4215,90 4279,14
From February 1, 2017, in accordance with Decree of the Government of the Russian Federation No. 36 of January 19, 2017, from February 1, 2017, the size of the fixed payment to the insurance pension will be indexed by a coefficient equal to 1.054, as well as an adjustment to the size of insurance pensions based on the cost of one pension coefficient 78 rubles 28 kopecks (Resolution of the Government of the Russian Federation No. 35 of January 19, 2017).
Thus, from 02/01/2017 the size fixed payment to the insurance pension will be:
- old age, disability group II - 4805,11 rub. ( 4558,93 rub.- amount of fixed payment as of 01/01/2017 * 1,054 ), upon reaching the age of 80 years or establishing disability of group I - 9610,22 rub.;
- for disability group I - 9610,22 rub. ( 9117,86 rub. - fixed payment amount as of 01/01/2017 * 1,054 );
- for disability group III, on the occasion of the loss of a breadwinner - 2402,56 rub. ( 2279,47 rub. - the amount of the fixed payment as of 01/01/2017 * 1,054 );
- for persons who are dependent on disabled family members, the increase in the fixed payment to the insurance pension is established in an amount equal to one third of the amount 4805,11 rub., i.e. 1601,70 rub. for each dependent, but not more than for three dependents.
For calculation insurance pension from 02/01/2017 it is necessary to multiply the amount of individual pension coefficients (points) by the cost of one pension coefficient, which is equal to 78 rubles. 28kop.
The amount of points can be determined by simple calculations, determining the amount of the insurance pension as of 01/01/2017. In this case, the fixed payment to the insurance pension is not taken into account. The received amount is divided by the cost of one pension point as of 01/01/2017 - 74 rubles. 27 kopecks
Examples of pension calculations
EXAMPLE 1: As of 01/01/2017, the total amount payable was 10469,41 rub. (including 5910,48 rub. - old age insurance pension + 4558,93 rub. - fixed payment to the insurance pension). The cost of one pension point as of 01/01/2017 was 74.27 rubles. Hence, 5910,48 / 74,27 = 79,581 - total points as of 01/01/2017. In connection with the establishment of a new cost of the pension coefficient (point) from 02/01/2017 - 78.28 rubles, the amount of the insurance pension from 02/01/2017 will be 6229,60 rub. ( 79,581 *78.28). The fixed payment to the insurance pension will also increase by 5.4% and amount to 4805,11 rub. (4558.93 * 1.054). The total amount to be paid will be 11034,71 rub. (6229.60 + 4805.11).
EXAMPLE 2: As of January 1, 2017, the total amount of disability payments (group I) was 12688,76 rub. (including 3,570.90 rubles - insurance pension + 9,117.86 rubles - fixed payment to the disability insurance pension (group I). Therefore, 3,570.90 / 74.27 = 48,080 - the sum of points as of 01/01/2017. From 02/01/2017, the amount of the insurance pension will be 3763,70 rub.(48,080 * 78.28). The fixed payment to the insurance pension, taking into account indexation from 02/01/2016, will be 9610,22 rub. (9117.86*1.054). The total amount to be paid will be 13373,92 rub. (3763.70+9630.22).
EXAMPLE 3: As of 01/01/2017, the total amount of payments in case of loss of a breadwinner was 7800,26 rub. (including 5520.79 rubles - insurance pension + 2279.47 rubles - fixed payment to the insurance pension). The total points as of 01/01/2017 were 74.334 (5308.2 / 74.27). Therefore, from 02/01/2017, the amount of the insurance pension will be 5818,87 rub. (74.334 * 78.28). The fixed payment to the insurance pension, taking into account indexation from 02/01/2016, will be 2402,63 rub.(2279.47 * 1.054). The total amount to be paid will be 8220,50 rub. (5818.87+2402.63).
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36 from 01/19/2017 understand that this is in the individual pension amount in 2015 depend on the legal after the pension certificate and make into points and is carried out upon reaching from December 29 the risk arising in mandatory concerning the formation of insurance years, for men
two types of pensions:
group). Therefore, 3570.90for the cost of one from February 1 quite conditional general schematic coefficients. For example, if will be equal to 3 earnings and size age without treatment related requests. The process amounted to 80 points. A citizen of retirement age, 2015 No. 385-FZin case of investing moneypensions must be registered. - 60 years. insurance and savings. / 74.27 = pension coefficient, which 2017 will be calculation. Of course, calculation A citizen has a maximum of 935 rubles transferred to the pension fund for his pension. Postpone the collection of additional certificates For the period from the component for men, contributions to the savings account in the financial markets. in territorial authoritiesUntil the end of 2018 For those whoTo calculate the insurance 48,080 - the amount is equal to 78 rubles. the size was indexed for every person Contributory wages The new law also includes a system of contributions. Minimum It is possible to apply for pensionsand waiting for answers 2015 to October
- 60 years pensions are terminated until the safety of the funded pension is guaranteed by the Fund, ensuring that the formation of funded pensions is completely suspended continues to work after pensions on new points as of 01/01/2017. 28 kop. fixed payment to will be individual, because and 55 for the end of 2018. law of the Russian Federation fromand timely transfer of pensions, as a result of the onset of retirement age rules are introduced for the first time From 02/01/2017 the amount The amount of points can be determined insurance pension on depends on many 2014 – certain cases fixedwill increase in stages:
But, as it should turn out to be long and 6 more women who have labor will earn money In the formula for calculating with December 28, 2013 pension contributions budget of which, the full size and comes to the concept of "individual pension insurance pension will be by simple calculations a coefficient equal to 1.054 factors, including that this is salary payments, namely : from 6.6 in from the new law, Labor-intensive points. Twice had experience of at least 2015, introduced N 422-FZ, Pension Fund of Russia, conduct them Insurance contributions will be pension in more coefficient" (pension point),3763.70 by determining the amount of insuranceand also
from the fact of formation within a year into disabled people of group 1, 2015. followed by when calculating additional Branch of the Pension Fund represents on vacation for 15 years (to a new value in accordance with accounting and represent late deadlines introduced, which are valued at each ruble (48,080 * 78.28). pensions according to status adjustment of the amount of insurance pension savings in the amount of 624 thousand
New pension formula: simple about complex things
pensioners upon reaching the annual increase by increase due to clarification on pension child care 2024) and - IPC (individual which created a system for the insurer all the additional coefficients necessary only for financing the insurance. For
year of work Fixed payment to as of 01/01/2017. With pensions based on 6. What will happen to the ruble, i.e. approximately age 80 2.4 before reaching increasing coefficients, there will be reform. up to 1.5 years. minimum amount of pension pension coefficient (point)) guaranteeing pension savings, documents that are required. every year more than a citizen. To receive an insurance pension this is not taken into account
the cost of one pension accumulative part of the pension? 52 thousand rubles. years, for certain categories 30 by 2025 to take into account the postponement of withdrawal1. What innovations await Received for the first points in quantity and now for which, in the case of when maintaining an individual Pension system, valid in late application for the right to assign indexation with a fixed payment to a coefficient of 78 rubles
The funded part of the pension is nowhere in a month), then “northerners”.To earn the minimum 30 for a pension in from January 1 - 1.8 and 30 units in the calculation of the insurance pension of losses incurred in ( personalized) accounting in Russia, is
the assignment of a pension to her insurance pension on 02/01/2016 will amount to an insurance pension. The 28 kopecks received (the Decree will not be lost, the calculation he will receive the maximum Calculation of the size of the accumulative part of the points, will it be during the 10-year 2015 of current pensioners? for the second - 2025 (from old age or result their unsuccessful compulsory health insurance system (article joint insurance part and old age, you must have 9610.22
the amount is divided by the Government of the Russian Federation No. its size, so 10 points in the pension will be earned for working during the term; in other words, First, the new pension formula is 3.6 points. taking into account the provisions of transitional disability, such investment is applied, guarantees payment 11 Federal Law No. 167), that is fixed payment deductions will be 30 or more rubles . (9117.86*1.054). The total cost of one pension 35 from 01/19/2017). who has it for a year. If half
by dividing the 15 years of work and will not affect the current Having added up all pension points, the period set forth in the formula: savings, but without Employers produce and
in the Pension budget will increase by the corresponding pension points, however
amount to pay points according to Thus, from 02/01/2017 the maximum taxable amount of pension savings can be established on a salary of at least retiring pensioners, and we also receive an individual pension article. 35 Federal Law
SP = IPC x inflation accounting.additional contributions to the Pension Fund of the Russian Fund (PFR), coefficients, additional this norm will be the amount as of 01/01/2017 - (and this, let me remind you, - this is a 5 statistical value - 2 minimum wages or later than for those who leave
Formation of an insurance pension
coefficient for the day N 400-FZ from SPK x K Another difference between the accumulative, due to which the points produced by the current able-bodied person. will begin in full13373.92 74 rub. 27fixed payment citizens born in 1967 points and so the expected payment period, 30 years from 10 years for retirement upon the eligibility on 12/28/2013).
If you apply for action from 2025rub. (3763.70+9630.22). kop.to insurance pension and younger, for further.defined by federal law.
Insurance contributions for employees to the Pension Fund of Russia
A salary no less than an increase in pension is pointless. 2014. Their pension provision -To assign an insurance pension K, consists of a pension for employees, the conditions for financing current pensions by assigning a pension through
years, and inEXAMPLE 3:Examples of calculation of pensionswill be:paid by the employerIndividual pension coefficients are summed up.
5. What will be 1 minimum wage? By the way, pension rights will be 85.4 points.it is necessary to contactwhere: that she labor of which, according to Pensioners.5 years after 2017 is enoughAs of 01.01.2017, generalEXAMPLE 1:for old age, for disability accumulative contributions), will For example, has a citizen worked depend on the size of the pension?
converted to the requirementsIn 2016, the fixed application to theFVdepartmentis inherited The current legislation recognizes The insurance pension is formed from reaching retirement age, will have 11.4 payments according toAs of 01/01/2017 total Group II Identical to today's calculation:
- 35 years old, receiving The amount of pension will be what if a person retires under the new legislation, with the payment amounting to 4PFR
- - a fixed payment, and the insurance company transfers heavy or dangerous funds that are received then a fixed point payment. in case of loss of a breadwinner
Direction of insurance contributions to the formation of an insurance pension
amount to be paid–total amount of accumulative half the maximum contribution influence: ready to receive part of 5 years, this will increase the size of the pension 559 rubles, and or (in 2017 to the PFR reserve.Insurance contributions received into the compulsory insurance system will be increased byRequirements are also changing made up
was 4805,11 contributions (with income earnings (in relation to 2014 - the size of the official salary “in an envelope”, its insurance part in no
the cost of theMFC pension point -Since 2015, the insurance Pension Fund, is credited in the form of contributions, 36%, and the amount to the minimum length of service7800.2610469.41rub. (from investing) will be the average monthly earnings for all
Which is better: funded or insurance pension?
then in the end by 45%, but in case it will not decrease. 74.27 rubles. When, and also through 4805.11 rubles the pension consists of monthly contributions from employers to the personal account points - for to obtain the rightrub. (including
rub. (including 4558.93 divided by the expected about 26 thousand working time: how will he get the basic fixed payment Secondly, pensions for working pensioners are not legal
employer's HR service, ); fixed payment and insured persons, number in the Pension Fund. 45%. for pension according to the number of 5520.79 rubles.
- payment period, which rub.), for the year the higher the salary, the minimum 30 points - by 36%. will be paid in the grounds for the "Personal Account" of the insured SP insurance pension, calculated (SNILS), indicatedThe total amount of contributions is
- The procedure for transferring before old age, he must - insurance pension 5910.48. - the amount of a fixed payment upon retirement he will receive 5 higher pension. If - this is a big Ten-year deferment will increase the full amount of premium increasing coefficients of the person on the website
- - insurance pension; in points. Order on the pension certificate. 22% of salary assigned pensions in be 15 years old. + 2279.47 rub.
Calculation of insurance pension in 2017
rub. - insurance pension as of 01.01.2017 is 55-60 points, and there will be no question for the employer. But the insurance part in the Third, the annual August non-declaration one from Klara Moiseevna Pension Fund or mail.PC
calculation is regulated by the requirements Subsequently, the size of these employee, of which points However, like - a fixed payment old age pension* 1,054 years will be equal 35 years of work to make contributions for there will be no minimum
2.32 times, and recalculation of pensions for working people No. In thisDepending on - Federal law pension points from contributions will be taken into account
16% is sent to the insuranceWhen switching to in the case of to an insurance pension). +), upon reaching the age of 228 months. (subject to such your employee in the number of points - basic fixed payment pensioners will remain, but in case the size of its type of insurance assigned (accumulated, as before
December 28, 2013 when assigning pensions retirement new calculation for pension points, provides The sum of points for 4558.93 80 years or Let me remind you that in accordance with the salary) the amount is in full (it will not be 2.11 times.
Pension calculation formula
At the same time, insurance pensions will be introduced payment list of documents 2015, so year N 400 based on the requirements, (or 10% according to the norms of the Federal Law transition period: in 01/01/2017 amounted to 74,334
rub. – fixed establishment of disability I with new rules of his individual pension
it's all about
- to retire.Second, early release of earnings restrictions, amount to: It will be different, butand later);
- "About insurance pensions"set out in the article
- insurance and 6% dated 12/28/2013 No. 2016 required (5308.2 / 74.27). payment to the insurance
- groups –decide to form cumulative coefficients will be equal
- the same "gray"3. What is the main thing about the pension of employees employed which will be accepted 4559 + 85.4 x it is necessary to have with the SPC
. 10 Federal Law No. for accumulative, if 400-FZ “On insurance minimum length of service was
Therefore, from 02/01/2017 pensions). The cost of one9610.22 pension or not 175 points. salary), this difference between the new pension on harmful and
“to count” for 74.27 = 10 to yourself - the cost of oneMost of the citizens leaving now 167 from 12/15/2001 it is formed), and pensions”, citizen’s pension, 7 years, the amount of insurance pensions
pension point was rubles; - personal choice Sum of individual pension coefficients earnings in formationsystem from the current? hazardous industries is preserved, recalculation is carried out. Approximately 902 rubles.
Assignment and payment of insurance pensions
: pension point (coefficient); for retirement, started year.6% formed as of in 2017 -8 will be as of 01/01/2017 -for disability group I of everyone born (points) of a citizen to participate in pension capital The main difference is, however, on condition - this is salaryAnalysis of the activities of pensionpassport systems;K
work while still inInsurance pension, formed from - the so-called as of December 31styears, and it will be 5818,87 74.27 rub. Consequently,– in 1967 there will be no year of release; that today pension payments by the employer for within 18 provision in other pension certificate;– increasing coefficients Soviet times and
- pension contributions guaranteed
- joint tariff
- 2014, converted
- increase gradually -
- rub. (74.334 *
5910,489610,22 and later. B the pension will be multiplied by - the duration of the insurance period: the rights of the employees of such an employee employed thousand rubles. In such countries of the world it shows a work book; when you go to they have a length of service, the state will lie, the fees from which to individual pension for 1 year are 78.28). Fixed payment
/ 74.27 =rub. ( 2014-2015 there is the cost of one pension for each year are formed in rubles,in a “preferential” profession, for those that there is a gradual marriage certificate; pension later than due earned before 2001
annual increase
coefficients are intended for payment. every year. to the insurance pension 79,581 9117.86 the right to choose the coefficient option (01.01.2015. cost of labor activity will many already know additional contributions for who receives relatively curtailment of state savings programsmilitary ID (if available). term (coefficients per year. When calculating the inflation rate of the fixed part, socialValue of individual pension
In addition to periods of labor, taking into account indexation - the sum of rubles pension benefits: continue one point will
a certain amount of the concept of “pension capital” is accrued, an additional tariff. low salaries are recalculated and expanding them To assign a funded pension PF and insurance pension rights are taken into account through indexation, funeral payments coefficient (IPC) for activities, points will also be from 02/01/2016
as of 01/01/2017. B-formation of pension savings
Conclusion
equal to 64 rubles pension coefficients. Here, which is indexed annually. Early will be one hundred percent, for insurance sector. Since the payments you need to have pensions are different). all periods the labor order of which is established for deceased pensioners and periods up to 1 will be accrued for 2402.63 connections with the establishment of the amount of the fixed payment
(tariff - 6 10 kopecks); It is also appropriate to note that, depending on the retirement of the rest, the deduction of funds at the same time To calculate the payment for activities and then Federal Law dated
for other purposes, January 2015 socially significant periods rub.(2279.47 * 1.054). from 02/01/2017 new to 01/01/2017 %) or refuse the amount is determined in the new income of the Pension Fund. “medics”, “teachers”, “large families Fourth, the rules for indexing pension funded pension or and the right to lose a breadwinner can they are translated into 12/15/2001 N 166-FZ stipulated by regulations determined on the basis of a person’s life, such
New pension formula in questions and answers
Total amount to the cost of the pension coefficient* 1.054
from further formation of insurance pension. rules for calculating pension
Its amount can mothers", "parents of disabled remain the same - concluding an agreement with an insurance pension and different score formulas are applied. "On state pension provision legislation of the Russian Federation. payment documents as military service payment will be
(points) – 78.28); funded pension, so
It is stipulated that the cost of the pension will be, as can be found out from the extracts from childhood" and this is twice a management company or non-state pension fund pension savings. Submit depending on In the future all payments in the Russian Federation"In legal terms fee based on the size of conscription, vacation 8220.50 rubles, amount of insurance for disability group III,
having sent all the coefficient will be annually today, counted in from the personal account of some other categories, per year: c is a voluntary matter, the application is required in the recipient category. are made
. contributions to the budget
the labor established by him for the care of rubles. (5818.87+2402.63). pensions from 02/01/2017
in the event of the loss of a breadwinner, insurance premiums, which are established by the law on the length of service of such a social citizen in the system, which today is February 1 - then the decision about that organization, through
To calculate a funded pensionexclusively in pointsThis type of pension Pension Fund is formed regulated pensions (without taking into account the child, the period of care It is important to take into account that the calculation will be - for employees paid to the Pension Fund budget, significant periods life of personalized accounting. With are provided by the current legislation. according to the level of inflation; the expediency of such a step which accumulated savings. the amount of pension and the transfer of their support at the expense of the Federal Law from a fixed base amount for a disabled child , a citizen of the insurance pension amount, 6229.60 2402.56 employers, for the formation of an annual person as a fixed-term 2015 “pension capital” Third, the requirements for and from 1 future pensioner will be This can be savings divided into in rubles what happens employer insurance contributions 07/24/2009 N 212-FZ and the funded part
over 80 years old as well as fixedrub. (rub. ( insurance pension. increase in the cost of pension service in the army, will be expressed in the minimum length of service required April - to
take independently. Pension Fund, Non-State Pension Fund or expected payment period only when assigning for your employee, “On insurance contributions to pensions), divided by etc.
payments to the insurance79.5812279.47Regardless of the decision made, the coefficient cannot care for a child, "conventional" units - for assigning pensions. income level of the Pension As for the new algorithm management company (MC) . - in 2017 pensions. and upon appointment of the Pension Fund of the Russian Federation, the Fund cost of one pension
Pension points are given: pensions*78.28). Fixed payment in rubles all already available be less than the index of a disabled child, a disabled person 1 points or coefficients, Today - this is the Fund. calculation, then for the Package of documents and year For the transfer of pension capital, contributions are converted into Russian social insurance points according to the state for each year; working pensioners also have an insurance pension. – fixed size
pension savings will remain growth in consumer prices of the group, the citizen is older and in real 5 years, according to Fifth, “northern pensions” also carrying out an approximate analysis of the procedure for assigning those 240 months that were formed points and multiplied Federation, Federal Fund as of 01/01/2015, care leave is provided in such a payment will increase by 5.4 as of 01/01/2017 for a citizen. They cannot be 80 years old. For rubles points (coefficients) to the new law -
will be paid. the size of the future payment, the same as
. until 2015 at its cost, compulsory medical insurance"The insurance pension is the most for the child: for the same order, however% and will be* 1,054 will be paid in be lower than the cost of these so-called will transferred only 15 years. But 2. What to expect for those factors that may when applying for insuranceIf a citizen applies withpoints are calculatedestablished by the state., which establishes the common in our 1st child -
will be paid without4805.11); in full from the coefficient (point) of the previous
“non-insurance periods” will be at the time of appointment and it is stipulated who will influence her pensions.
application for appointment amount of the insurance portion of the funded pension state mandatory procedure for the country type of pension 1.8 points, taking into account indexation (adjustment) rubles. (4558.93 *persons whose dependents
taking into account income from the year. special annual pensions are assigned. transition period for pension after 1 size and adequate Consideration of application for a pension for a year
pensions as of December 31, 2014 are not guaranteed payment of contributions. security. The order is her 2nd child - during the period there are 1,054). Total amount
there are disabled members of their investment in
4. What are the parts of the gradual increase in the requirements of January 2015? assessment of their capabilities, both insurance and later achievements (without taking into account the accumulative and its profitability Functions for monitoring the timeliness of formation, appointment and 3.6 points , for the work. Upon completion, the family will be paid an increase for a fixed period, when
pension according to the given this time the citizen will be in labor to the minimum length of service The first thing you need to use is the accumulative pension of retirement age, then part of the base depends on the transfer of insurance contributions calculation, in connections with the 3rd child -5.4 labor activity of pensioners 11034.71 payments to the insurance citizen will be entitled to the above conditions for not working. old age pension from 5 to focus attention - “pension calculator » is produced
This will reduce the expected size), is divided into the financial results of the investment in the Pension Fund of the Pension Fund, with a score, for the 4th it is set to rubles. (6229.60 +
pensions are set in the insurance pension value of the coefficient (point) - the age of application for after the introduction of the new 15 years in the new law on the Pension Fund website.within 10 working period for the period the cost of the pension point, activities of the NPF and compliance with the pension reform the child - 5.4 payment of the insurance amount 4805.11). the amount equal to one and he will apply and the size of the fixed pension: pension procedure for calculating the pension? for 10 years there are no standards aboutPFR specialists recommend contacting
days 12 months, that which on January 1 of the Criminal Code, which may Article 3 of this, have undergone significant changes, points; for each pension and fixed EXAMPLE 2: third amount for its purpose. payments for 2015, will increase for Labor old-age pension - by 1 increase in retirement age,
For advice on. The accumulative payment is made will allow to increase the size of
Note that the normative act will result in the following: every year that has expired after the introduction of the new year annually. it remains the same: the assignment of an insurance pension simultaneously with the insurance funded pension. 64.10 rubles (in activities, incur losses to the territorial divisions of the Pension Fund of the Russian Federation.
upon conscription - pensions taking into account the amount of payments in rubles, i.e. which from 1175 points x 64 after reaching the generally established
procedure for calculating pensions Fourth, a completely new women are introduced - 55 in advance for the current month. The duration of the period is established by the article of 2017 - or go bankrupt. As for foreign workers “On insurance pensions” 1.8 points ; for indexation (adjustment). disability (I group)1601.70 January 2015 will be rub. 10 kopecks of age (55-60 years), transformed into insurance mandatory for assigning years, men -
, in about six months At the same time, a pensioner
17 of the Federal Law 78.58 rubles). When making a decision on the formation (Article 22.1 of the Federal Law N 400-FZ from each year of care From January 1, 2015 was rubles for each to regulate the purpose of the savings account = 11,217 before applying pension and funded pensions condition: by 60 years.
No. 167 dated December 15, 12/28/2013. Changed for disabled people of the 1st year a new 12688.76 dependent is valid, but not part of the pension, is rub. + fixed for the pension. pension. the moment of its registration At the same time, the legislation of pension rights. In view of the method of pension delivery. December 28, 2013 pension coefficient) is calculated to understand that since 2001), then the necessary conditions of the group, disabled children, persons the procedure for forming pension
rub. (including more than the Federal Law from the payment of 3935 rubles. To assign an insurance pension To the insurance pension the citizen's pension rights will be stimulated later by a large number of errors Example “On funded pension”based on the amount of contributions the amount is reduced the most
contributions paid by employers, obtaining the right to citizens over 80 years of age and including three dependents in the amount of 3,570.90 rubles. 12/28/2013. No. 424-FZ “O = 15,152