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How is the old age pension calculated? Calculate pension online

Content

A pension is a payment made by the state to citizens who have reached old age. This type compensation can be received by people with sufficient experience for this, and beneficiaries. For example, they can be received due to disability or loss of a breadwinner. After the reform, the state made changes to the calculation of these payments. Only the calculation of pensions for those born before 1967 remained the same.

How is your pension calculated today?

For citizens over 50 years old, the calculation of pensions for those born before 1967 is carried out in a special way. The amount consists of a mandatory fixed state part and an insurance part. The value will depend on the following factors:

1. the person's age;
2. number of years worked, profession;
3. on the amount of wages received.

The procedure for calculating pensions for those born before 1967 depends on the following factors:

1. Whether the person is a participant in the co-financing program. Financing is state support in the form of additional accruals to old-age benefits, allowing a citizen to increase personal contributions to his future funded share. Several parties can participate in co-financing: the citizen himself, the state (this is a voluntary matter and is carried out on the basis of an application), the employer (this is not necessary, but many enterprises consider this an additional motivation within the framework of the social package they provide)
2. Does the citizen make regular payments on account of the funded part of future compensation.

Legal Framework

The calculation of pensions for those born before 1967 is regulated by federal law 400-FZ of December 28, 2013. This law discusses aspects of calculating the insurance part. The following types of insurance pensions are provided: old-age insurance, disability insurance, occasional insurance. The federal law 173-FZ “On labor pensions” can also be attributed to the regulatory framework, in which you can also familiarize yourself with the aspects of pension payments.

General procedure for calculating pension payments

In order for a citizen to be able to count on receiving benefits for the insurance part, the future pensioner must meet the following conditions:

1. Men can claim compensation at the age of 60, women at the age of 55 (some categories of people may apply for old age compensation before this age).
2. Insurance experience must be at least 15 years.
3. Important individual coefficients by which you can calculate the IPC pension. For each period of seniority, a person is awarded a certain point (coefficient). Their sum must be at least 30.

If it is necessary to calculate the pension for those born before 1967, each condition must be considered separately. Old-age labor compensation is assigned to people who have reached the age: for men - 60 years, for women - 55 years. There are certain categories of citizens who can count on early exit, on a well-deserved rest. These include:

1. citizens who worked in certain conditions (harmful, etc.);
2. having certain specialties and positions;
3. having a certain work experience, labor or insurance.

These include:

• persons who worked in underground structures or in workshops with elevated temperatures, with particularly difficult working conditions;
• women who worked at high intensity or operated heavy machinery;
• railroad workers;
• geologists, prospectors;
• working sea and river vessels;
• miners;
• aviation industry workers;
• rescuers;
• teachers;
• physicians working with the public.

• mothers of many children with five children, or two or more;
• visually impaired or injured as a result of hostilities.

Early compensation includes a preferential type of pension, which can be received by the following groups of citizens:

1. If their activities were associated with heavy physical labor or work in adverse conditions.
2. If the work was carried out in the conditions of the Far North or in an area equated to the same.
3. If the working conditions included a certain deadline, after which, regardless of age, it was time to go on a well-deserved rest.

Individuals who raise children alone can count on the insurance share. If the sole breadwinner had a certain period of work, then the insurance share is also charged. To apply for any type of old-age benefit, you must confirm that the breadwinner is absent or dead by providing a death certificate or a court decision declaring missing.

Seniority

The second condition for receiving insurance benefits is the length of service. These are periods of time during which a person made contributions to the Pension Fund. There are two types of insurance experience:

1. ordinary- this is a type of experience when deductions to the PF are made by citizens working under normal working conditions;
2. special- unlike the usual, this experience characterizes the type of work in special (for example, harmful or dangerous) conditions.

Work experience until January 1, 2002

The length of service until January 01, 2002 is calculated in calendar order according to the actual duration of each period. Personal storage papers will become confirmation of the fact of work, military service or the period of child care, and for calculating the insurance part. What should a person submit to the fund:

1. work book;
2. employment contracts;
3. salary certificates for five consecutive years of work until 01.01.2002;
4. military ID;
5. birth certificate of the child;
6. Marriage certificate.

Only if the fund has these documents, he can count on the timely appointment of a pension in the prescribed amount. To account for hours worked since 2002, an individual personal account with a permanent insurance number must be opened in the Pension Fund for each insured citizen. In it, civil servants are required to reflect:

• data on the periods of labor activity;
• information on wages up to 01.01.2002;
• amounts accrued and paid by the employer or personally insured person of insurance premiums.

Accounting for hours worked since 2002

Information about the periods of work and salary until 2002 in the Pension Fund is provided by the employer in 2003-2004. If during these periods a person did not work or the employer provided incomplete or inaccurate information, then the fund will not have the necessary information. If the insured person doubts that all the information has been provided, then you can always apply and provide the missing information about the length of service and salary until 2002. The following periods are taken into work experience:

1. army, service in the police department;
2. service in the bodies and institutions of the criminal correctional system;
3. receiving social benefits for temporary disability (decree);
4. caring for a child up to 1.5 years;
5. registration for unemployment;
6. redirection of a civil servant for employment in another locality;
7. participation in public works;
8. exile or stay in prison or colony;
9. caring for a disabled person;
10. from the attainment of a citizen of 80 years.

What periods are included in the length of service

Based on the law, the minimum insurance period increases every month. In 2015 it was 6 years, in 2019 it will be 9 years, and in 2025 it will be 15 years. If, upon reaching old age, the minimum number of years has not been worked out, then the insurance compensation for old age will not be accrued. The insurance period is determined by entries in the work book showing the period of official employment of the employee.

If the employee’s work book is lost or some records are missing, then the following documents will confirm the experience:

1. employment contracts;
2. certificates issued to the employee at previous places of work;
3. extracts from orders (for example, orders for admission and dismissal);
4. personal accounts of the employee;
5. pay slips.

Since 2019, innovations have come into effect for calculating pensions for those born before 1967 using new formulas. By law, people who have worked for 35 years are eligible for additional pay. And for those who have worked (officially) for more than forty years (40 years for women, 45 for men), upon entering a well-deserved rest, the state will pay an even larger bonus.

The third condition for receiving insurance benefits is individual coefficients. This is the number of points earned for 12 months or those periods that are included in the length of service. These coefficients are calculated depending on the salary of a person, subject to his official employment. The higher the salary, the higher the rates. The main condition is that before entering a well-deserved rest, the coefficients should not be less than 30.

Based on the law "On Insurance Pensions", increasing requirements for the minimum pension coefficient have been established. If, from January 1, 2015, old-age insurance compensation is assigned if there is a coefficient of at least 6.6, then with a subsequent increase in the coefficient annually by 2.4 by 2025, its maximum amount will be 30.

All periods will be included in the length of service if they had labor activity lasting at least one working day, during which deductions to the Pension Fund took place. Coefficient increase scheme in the table:

Pension for those born before 1967

The Government of the Russian Federation in 2019 is actively pursuing pension reform. The calculation of the pension for those born before 1967 consists of three shares. It:

1. base share;
2. Cumulative share;
3. insurance.

Basic part

Basic is a fixed compensation that every person who has reached old age receives, regardless of the length of service. Effective January 1, 2002, the final base rate was set at 450 rubles per month. This amount is due to all citizens who have reached old age and have a work experience of more than 5 years. Its size is affected by the age of the person.

Accumulative part of pension provision

This share is available only to those citizens who were born before 1967 and are members of the TSO. It is formed if in the period from 2002 to 2004. the employer paid monthly insurance premiums for the funded share of labor activity in the amount of 6% of wages. It is formed on a voluntary basis for participants in the Program for State Co-financing of Pensions and persons who directed funds from maternity (family) capital to. The total amount going to the funded share should not exceed 463,000 rubles per year.

On the basis of the federal decree, paragraph 11 of Art. 31 “On investing funds to finance the funded part of the labor payment in the Russian Federation”, insured persons born before 1967, who entered into an agreement on compulsory pension insurance and applied for transfer to a non-state fund (NPF), submit an application for refusal to finance the funded part and direction for financing the insurance part in the amount of 6 percent of the individual part of the insurance premium rate.

Citizens can find out about their savings in the Pension Fund of the Russian Federation by writing an application in the prescribed form. State security payments, in accordance with paragraph 2 of Art. 217 of the Tax Code of the Russian Federation, are not subject to taxation, are not taken into account in the calculation of personal income tax, with the exception of payments if an individual has voluntary insurance of the funded part.

insurance pension

It includes the entire length of service accumulated by 2002, the amount of wages and a special coefficient. Let us analyze the methodology for calculating the insurance share, which should be calculated according to the following algorithm:

• SP \u003d PB * CB * PC1 + FV * PC2, where:
  • SP is the amount of funds calculated for the payment of an insurance payment;
  • PB - points accumulated over time;
  • Central bank - the price for 1 point established at the time of calculations;
  • PC1 and PC2 are increasing premium coefficients for entering a well-deserved rest at a later period;
  • PV - fixed amount

The procedure for applying for a pension

Learn about the procedure, how to apply for a pension, where to apply, and what papers are needed for this. It is recommended to start making payments in advance in order to have time to fully prepare the papers. With a full package, you must contact the authorized body for the calculation and payment of benefits. Exists step-by-step instruction to calculate the payment and provide documents to the FIU. The full list of documents is given below.

Document submission deadlines

The second step is to submit documents to the Pension Fund of the Russian Federation. After the collection, at any time after reaching old age (for women, the age should be 55, for men - 60 years or more), you must contact the Pension Fund of your region to assign and calculate the amount of payments. Then the calculation of the payment for those born before 1967 starts from the date of submission of the application with a full set of documents.

Where to apply

If the Pension Fund requests the provision of additional information, then the specialist accepting the documents does not have the right to refuse to submit the application. The applicant must submit the missing information within 3 months. If the deadlines are met, then compensation will be accrued from the date of application. If the deadline is missed, then it will be necessary to submit the full package of documents again, and the date for applying for the purpose of payment has been changed. The application to the fund must be considered within 10 days from the date of submission of the full package of papers.

After calculating the payment, the moment of its receipt is important. If all the documents are executed correctly and submitted on time, the amount will be calculated and issued on the 10th day. If the pensioner submitted the details of a bank card or account, then the payment is made to it, on the 10th day, and there is no need to apply anywhere. When receiving money by mail, there may be delays of 1-3 days required for the processing of a new application by the postal service. If the amount is less than the subsistence level (it is 10-11 thousand rubles), contact the Pension Fund.

The last step applies to those citizens who, after taking a well-deserved rest, continue to work. For them there is a recalculation of payments. It is necessary to submit to the Pension Fund a certificate from the place of work on the accrued wages for the year and the insurance compensation paid, fill out and submit the corresponding application to the fund employee. It will be reviewed within 10 days. Each person chooses for himself whether to work or immediately after the onset of old age to go on a well-deserved rest.

What documents need to be provided

The first step is the preparation of documents. There is the following list of papers:

1. a passport for citizens of Russia or a residence permit for citizens of foreign countries;
2. all forms about study and education;
3. in the original and copies - a work book;
4. if necessary, certificates from the employer may be required;
5. insurance certificate (SNILS);
6. marriage certificate;
7. a certificate confirming the place of residence and the existing composition of the family;
8. copies of documents confirming the identity of dependents;
9. certificate of the average salary of the employee at the last place of work;
10. details of the banking institution that will deliver the payments;
11. application to the Pension Fund;
12. certificate of average monthly salary until 01.01.2002 for 60 consecutive months;
13. a certificate stating that no other type of payment has been assigned to the person.

How to calculate your pension

Each person who goes on a well-deserved rest can calculate the pension on his own, knowing the formulas and parameters for calculating it. It is possible to make an online calculation, there are also calculators. If you yourself cannot make the calculation, you can contact the Pension Fund to learn how to calculate or request information about future income.

General formula

The formula for the calculation will look like this:

• P \u003d FV + LF + MF, where
  • PV - fixed share (basic);
  • LF - cumulative share;
  • SC - insurance share.

The procedure for determining the insurance part

The fixed share is set by the state. Each citizen has his own savings share. Therefore, we need to know how the insurance share is calculated. There is a calculation principle for this:

• MF \u003d PC / T, where:
  • MF - insurance part;
  • PC - pension capital;
  • T is the estimated time that compensation will be paid, measured in months

From this formula, we do not know the value of the pension capital, which must be calculated in a new way. The capital is made up of the values ​​of conditional pension capital (CPC) and estimated payment (RP). Calculated according to the formula:

• RP \u003d SK * ZR / ZP * SZP, where:
  • SC is the coefficient for the worked experience. It is equal to 0.55 (for men, whose experience is 25 years, for women - experience of 20 years). For each year worked in excess of the length of service, 0.01 is charged, although this indicator should not be more than 0.75.
  • ZR / ZP is the ratio of wages to the average earnings in the country. Its level should not be more than 1.2.
  • SZP - the average wage is calculated by the Pension Fund in the amount of 1671 rubles.

After calculating the estimated payment, you can find out the amount of conditional capital:

• CPC \u003d RP - BC / T, where RP is the estimated compensation, BC is the base part, T is the estimated time of payment, measured in months.

To calculate the insurance part, we only need to know the value of PC1, which can only be found in the Pension Fund of the Russian Federation (PFR). When you know all the data, you can calculate the insurance share, and as a result, calculate what benefits you can count on when you go on a well-deserved rest. Every year the state raises pensions. This is affected by indexation and inflation. Indexation is an increase in the amount of payments that is made annually.

Calculation example

Citizen Sidorov Ivan Sergeevich, born in 1956, can retire in 2016. The work experience of a citizen is 29 years. His monthly salary was 1700 rubles. It is necessary to consider step by step the calculation of the pension:

1. First you need to calculate the coefficient of experience. For 25 years of experience, the coefficient is 0.55, for each subsequent year there is an increase of 0.01. The final rate of a citizen will be 0.59 points.
2. Divide the salary by the average salary, i.e. 1700:1671 = 1.02.
3. Substitute these figures into the formula (see above) and find the pension capital ratio: 1.02 x 1671 x 0.60 - 450 (fixed payment in 2002) x 228 (approximate number of months of compensation) = 130564.66. This is how the capital for 2002 is calculated.
4. Every year the government indexes pensions, because of this it is necessary to multiply the resulting number by the total coefficient: 130564.66 x 5.6148 \u003d 733094.45 - this is the amount of Ivan Sergeevich's pension capital by 2019.
5. A small allowance is made for the post-Soviet period of work from 1991 to 2002, it is equal to 0.1 of the amount of capital and amounts to 73309.45.
6. To all these allowances, you need to add the amount of compensation collected on your personal account, which the employer has paid since 2002. According to the Pension Fund, they amount to 856,342.10 rubles. Calculation principle: add up all these numbers: 733094.45 + 73309.45 + 856342.10 = 1662746.00.
7. Divide the amount received by the approximate period of benefit payment, so you will determine the benefit (228 months): 1662746.00: 228 = 7292.75.
8. Multiply the individual pension coefficient (for contributions it was 106.393) and the value of the point (in 2019 it is 78.28). You will receive an additional insurance part: 8328.44 rubles.
3 days Reply

Very often, at retirement, people with once high salaries and good positions receive almost the same as citizens who had a lower income during their working life. Is it really only the size of the salary that matters when calculating the pension? There are a lot of nuances. An expert on pension legislation, a lawyer, head of the Argument legal agency told the portal about them Yulia Borisovna Bavykina.

Several indicators are important when calculating a pension: the estimated pension capital, total length of service, the amount of valorization and the amount of insurance premiums from the employer, the expert clarified.

Legislation provides for the following scheme for calculating the insurance pension: an individual pension coefficient (the sum of pension points earned by a citizen) multiplied by the cost of one pension point.

Until 2015, the IPC was calculated according to the formula: the amount of the insurance part of the pension (as of December 31, 2014) / the value of the pension point.

The amount of the insurance part of the pension is calculated as follows: estimated pension capital (indexed from 2002 to 2014) + valorization amount + amount of insurance premiums paid for 2002-2014 / expected payment period = amount of the insurance part of the pension as of 12/31/2014.

After 2015, the IPC is calculated based on the amount of insurance premiums paid by the employer for the employee for the calendar year.

Yes, it's very hard to figure it out. However, it is quite possible to understand approximately what factors affect the size of the pension.

“Many citizens of pre-retirement age think that if they had a high salary during their working life, then they will have a decent pension. Unfortunately, in reality this is far from always the case,” said Yulia Bavykina.

The fact is that when calculating the amount of the insurance part of the pension, on the basis of which the final amount of the pension is then calculated, the so-called earnings ratio is applied. The amount of earnings of a pensioner for a certain period is taken and divided by the average monthly salary in the Russian Federation for the same period. However, the marginal earnings ratio is 1.2, which is the maximum factor equalizing different categories pensioners.



Thus, when calculating the pension of a person with a high salary, a significantly higher coefficient can be obtained, however, an earnings ratio of 1.2 will be applied. Hence the situations when the boss and the subordinate, with completely different salaries in retirement, receive almost the same payments, Yulia Borisovna added.

Another important factor on which the size of the future old-age pension depends is general work experience of a citizen.

There is such a thing - the service coefficient, which is used when calculating the insurance part of the pension. The required total length of service when assigning a pension should be 25 years for men and 20 years for women as of 01.01.2002. If the experience is full, then the experience coefficient will be maximum. But if on the indicated date the full length of service has not been accumulated, then the ratio of the incomplete length of service to the required one is also applied when calculating the pension.

The ratio of incomplete to required length of service is calculated as follows: the value of the estimated pension capital with a full total length of service is divided by the number of months of the full total length of service and multiplied by the number of months of the actual total length of service. That is, the lower the total length of service for 2002, the lower the size of the insurance pension.

Yulia Bavykina gives an example: with a length of service equal to 25 years, the value of the estimated pension will be 1,102 rubles 86 kopecks, and with a total length of service of 19 years 2 months 2 days, it will be 950 rubles 67 kopecks.

Another concept is valorization amount. This is 10% of the value of the estimated pension capital, plus 1% for each full year of total work experience until January 1, 1991.

If the size of the total seniority of a pensioner before 1991 is 8 years, the percentage of valorization for him will be 18%, and if the length of service is 12 years, then, respectively, 22%.

For example: with an estimated pension capital calculated on the basis of an experience of 19 years 2 months 2 days and a valorization percentage of 18%, the amount of valorization will be 127,514 rubles 57 kopecks = (708,414 rubles 31 kopecks (estimated pension capital with an experience of 19 years 2 months 2 days ) * eighteen %). If the percentage of valorization is 22%, then the amount of valorization will be 155,851 rubles 15 kopecks (708,414 rubles 31 kopecks (estimated pension capital with an experience of 19 years 2 months 2 days) * 22%).

And finally the amount of contributions that the employer paid for the employee from 2002 until retirement.

The amount of contributions from 2002 to 2014 is taken into account as the total amount of money when calculating the insurance part of the pension as of December 31, 2014, which, as already indicated above, is calculated using the formula:

• calculated pension capital (indexed from 2002 to 2014) + valorization amount + amount of insurance premiums paid for 2002-2014 / expected payment period = amount of the insurance part of the pension as of 12/31/2014

For example: IPC for a pensioner as of January 1, 2018 is 70 points. Based on the insurance premiums paid by the employer for 2018, another 5 pension points were added to the pensioner's IPC. Thus, the total amount was 75 points.

So, how will this affect the amount of the pension:

• insurance pension with 70 points: (70 points * 87.24 (pension point value) + fixed payment to insurance pension 5334 rubles 19 kopecks = 11 440 rubles 99 kopecks (pension amount before recalculation of pension points).
• insurance pension with 75 points: (75 points * 87.24 (pension point value) + fixed payment to the insurance pension 5334 rubles 19 kopecks = 11 877 rubles 19 kopecks (pension amount after recalculation of pension points).

“The insurance premiums that the employer has paid and are paying have a direct impact on the size of the pension. If, however, a citizen has worked unofficially since 2002, received the minimum wage, or worked officially periodically, then in the end this will also affect the size of his pension. for the better. And, unfortunately, very often a situation arises when a person has a long record of service, and the salary was decent, and the pension as a result is below average. This is precisely the case when the amount of contributions paid by the employer extremely small," Yulia Bavykina added.

If you have questions about calculating your pension, you want to know in advance what kind of pension you will have, or you do not agree with how your payments were calculated by the pension fund, please contact Yulia Borisovna Bavykina.

Svetlana Malik, head of the branch of the Pension Fund of the Russian Federation for the Kaliningrad region, answered questions on the air of Komsomolskaya Pravda radio

Photo: Alexander KATERUSHA

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Svetlana Albertovna with an increase in the retirement age, what formula can you use to calculate your retirement and its amount?

Changes in pension legislation introduced since the beginning of the year have not affected the formula for calculating the old-age insurance pension. It is calculated based on the insurance period, earned pension points and a fixed payment. The pension point is a parameter, the value of which is estimated each calendar year of labor activity. It depends on the annual accruals of insurance premiums for mandatory pension insurance and the pension option. The value of the pension point is indexed annually. When assigning a pension from January 1, 2019, this is 87.24 rubles. That is, we multiply the points earned by the value of the point, add a fixed payment, which this year is 5,334 rubles 19 kopecks, and get the amount of the old-age insurance pension. Also, for each year of later retirement, increasing coefficients are provided for the insurance pension and the fixed payment. I note that the size of the future insurance pension is affected by salary: the higher the official salary, the larger the pension will be, and the length of service also affects. The longer a citizen works, the more insurance premiums the employer transfers towards the future pension. Since 2015, the requirements for the minimum length of service to qualify for an old-age pension have changed, it must be at least 15 years. However, as in the case of pension points, by 2025 you need to earn at least 30, a transitional period is provided from 2015 - 6 years of minimum service with an annual increase in the duration of the minimum service by 1 year. This year, the minimum experience will be 10 years, and the number of points will be 16.2. The amount of the pension is affected by socially significant periods in life, for example, conscription military service, parental leave - up to 1.5 years for each of four children, care for a disabled person of group I, a disabled child or a person over 80 years old , are counted in the total experience.

- Is it possible to find out the size of your future pension in the Pension Fund? What periods are excluded?

The exact amount of the future pension is calculated by a specialist of the territorial body of the PFR when it is assigned. However, the approximate amount of the future pension can be calculated independently using the pension calculator on the PFR website or through the free mobile application “PFR. Electronic Services. The calculation of the experience does not include training in colleges, schools and courses, in technical schools and universities, in graduate school, doctoral studies, clinical residency.

Early retirement

Is it possible to retire early? Who is entitled to this? What are the benefit categories?

Certain categories of citizens employed in hazardous industries have such a right. Those who have worked and are working under hazardous and harmful working conditions retire earlier than the established retirement age. If a person worked according to the "first list", then he retires 10 years earlier, if according to the "second list" - 5 years. As an example, work in hot shops, underground work, work as a seafarer on ships of the sea, river fleet and fishing industry fleet and others can be cited. Kaliningrad is a city of sailors, men retire at the age of 55 if they have worked 12.5 years as a seafarer, having 16.2 points. Women who have given birth to and raised five or more children, one of the parents of disabled since childhood, guardians of disabled since childhood and a number of other categories have the right to early retirement.

For example, women who have given birth to two or more children, if they have the necessary insurance experience and work experience in the regions of the Far North or in areas equivalent to them, people affected by radiation or man-made disasters, test pilots, specialists involved in flight tests or studies of experimental and serial aviation, aerospace, aeronautical and parachute equipment. The special length of service giving the right to early retirement has not changed for citizens working in the Far North and in equivalent areas.

The special length of service giving the right to early retirement is from 15 to 30 years, has not changed for teachers, doctors and artists. But, based on the general increase in the retirement age, for them, the period for applying for early retirement will gradually increase. For example, teachers require 25 years of service in institutions for children, regardless of age and gender. If a school teacher, for example, completes the required length of service in 2021, he will be granted a pension in 3 years, that is, in 2024.

It is worth noting that new grounds have been introduced for the early appointment of a pension for long service. Women with at least 37 years of experience and men with at least 42 years of experience can retire two years earlier than the generally established retirement age, but not earlier than 55 years for women and 60 years for men.

Mothers of many children with three and four children will be entitled to early retirement. If a woman has three children, she will be able to retire three years earlier than the new retirement age, that is, at 57 years old. If a woman has four children - four years earlier. At the same time, for early retirement, mothers with many children need to work out a total of 15 years of insurance experience, and on the date of applying for an insurance pension, all children must be over 8 years old. The unemployed of pre-retirement age still have the opportunity to retire before retirement age if there is no employment opportunity. The pension in such cases is established two years earlier, taking into account the transition period.

About increases and recalculations

In connection with the latest changes in the legislation, what increases and when should “current” pensioners expect?

- The amount of insurance pensions is indexed annually. Pensioners received an increase from January 1. On average, it is about a thousand rubles. Indexation of insurance pensions for non-working pensioners amounted to 7.05 percent, and 6.6 percent is planned for 2020. Since the size of pensions is different for everyone, the increase is individual. For example, if your pension is 10 thousand rubles, then the increase will be 705 rubles. Indexation is also provided for working pensioners, however, they will be able to receive an increased pension, taking into account all missed indexations, after dismissal.

I note that in the Kaliningrad region the subsistence minimum for a non-working pensioner cannot be lower than 8,846 rubles. If it turns out less, he is given a federal social supplement to his pension. When calculating the payment, the pension, regional, federal monthly payments, compensation for utility bills are taken into account, the amount of the additional payment is calculated up to the level of the pensioner's subsistence minimum. Below this amount, a non-working pensioner cannot receive. The size of the federal social supplement is calculated as the difference between the pensioner's subsistence minimum and his material support.

Without a declarative recalculation, we make working pensioners annually from August 1, taking into account the amount of insurance premiums paid by the employer, as well as pensioners from 80 years old. The recalculation of the amount of the fixed payment without application is applied to the disability insurance pension, as well as the recalculation of payments from pension savings

The recalculation of the insurance pension upon application is carried out when the number of disabled family members dependent on the pensioner changes, with the necessary work experience in the regions of the Far North, this is 15 calendar years or 20 calendar years equivalent to them.

If periods of work coincide with non-insurance periods, at the request of the pensioner, one of them is taken into account: either work or a non-insurance period. Pensioners who have children, low wages and short work experience can count on such a recalculation.

I note that when calculating pensions, according to the new pension formula from 2015, according to the law, the most profitable option is chosen, so there is no need to recalculate. Recalculation may not always be beneficial. For 2018, of the total number of citizens who applied for recalculation, it turned out to be beneficial for 80 percent of applicants.

Most pensioners apply for recalculation at the offices of the MFC, PFR client services. However, the most convenient way is to apply remotely through the public services portal or the Citizen's Personal Account electronic service on the PFR website.

Is it possible to clarify what deductions the employer made in the Pension Fund 10-15 years ago? What current contributions to the PF does he make for a particular employee?

An extract from an individual personal account (ILS) allows you to control the completeness and timeliness of the transfer of insurance premiums by both the current employer and the former; see if different periods of work after 2002 are included in the length of service. The most convenient way to check your pension account is through the Citizen's Personal Account on the PFR website www. pfrf.ru. To do this, you must have a verified account on the public services portal www.gosuslugi.ru. If there is no registration in the Unified Identification and Authentication System (ESIA), then the certificate can be pre-ordered using the appropriate electronic service on the website of the Pension Fund, which does not require registration with the ESIA, then select a date convenient for receiving it. You can also order an extract through the Unified Portal of Public Services, as well as during a personal visit to the offices of the Multifunctional Center, territorial bodies of the PFR.

What is needed for recalculation

Many pensioners are dissatisfied with the size of their pension, it is too small. What references and documents do I need to provide? Who and how can request supporting documents for the recalculation of pensions?

Citizens who have already accrued a small pension have the right to recalculate it. We recommend that, first of all, contact the territorial body of the Pension Fund of the Russian Federation at the place of payment of the pension for assistance in requesting certificates of seniority and wages. If necessary, the territorial body of the PFR checks the submitted document. If the salary was more than that taken into account when assigning a pension, accordingly, it may affect the amount of the recalculated pension upwards.

There are firms in Kaliningrad that offer pensioners “free of charge” to recalculate and achieve an increase in pensions. Are they scammers?

Yes, there is a lot of propaganda going on right now. If people really would be given explanations on the calculation of pensions, then we would be grateful for such help. But often, after visiting “free legal consultations”, we receive a lot of requests, for which pensioners pay companies up to 10 thousand rubles for an agreement drawn up for the Pension Fund of the Russian Federation: “The amount of the pension is small, please recalculate.” People are losing money, but they could get comprehensive advice on all their pension issues for free, in the customer service department at the place of residence. We give a detailed answer to the applicants, check the amount of the pension, the validity of the accruals depending on the length of service and salary.

What is the largest pension in the Kaliningrad region? How many citizens receive the maximum? What is the minimum pension? Who is entitled to it?

The highest pension in the region is received by the only test pilot - more than 100 thousand per month. Many people get from 20 to 30 thousand a month, depending on where the person worked and how much he earned. The average size of the insurance old-age pension in the region is 14 thousand 164 rubles. Until 2002, when calculating a pension, earnings for any five years of service were taken into account. But many citizens worked in low-paid jobs and, despite their long service, have a low pension. After 2002, insurance premiums are taken into account, which the employer pays for the employee, deductions to the Pension Fund of the Russian Federation from the “white” salary.

- How many pensioners are there in the region?

As of January 1 this year, we have 294,320 pensioners registered, including 16,173 pensioners of law enforcement agencies who receive an old-age insurance pension without a fixed payment. The number of pensioners in the region is increasing every year. The growth in the number of recipients of all types of pensions over the past 3 years amounted to about 6 percent. For the payment of pensions in January 2019, 3 billion 636 million 873 thousand 963 rubles 86 kopecks were allocated, and last year 41 billion 122 million 11 thousand 746 rubles 8 kopecks.

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When a person approaches old age, he begins to think about the size of the pension, as well as whether he can live on this amount or not. Therefore, even before this deadline, it is necessary to find out how pension payments are calculated, what components make up the final amount, and how much you need to work to receive a certain amount.

What pensions are there and according to what regulatory laws are they accrued?

Many cannot understand under what normative acts a pension can be accrued. In Russia, there are several legislative acts at once that regulate the issue of paying pensions.

To date, the norms of the law "On insurance pensions" dated December 28, 2013 N 400-FZ are taken into account.

According to the law of 2013, the pension is accrued from the beginning of 2015. At the same time, when calculating for previous periods, the reference goes to the law of 2001, which is no longer in force.



Nowadays, the concept of an insurance pension is increasingly used. If we talk about labor pension, then this concept was used earlier. You can understand that now the insurance experience is being used, and the work experience has already remained somewhere in the past. Law number 400 allows you to take into account all the rules that were in effect at the time of the formation of the experience.

Therefore, data from several laws are usually used in the calculation. An example is the situation: a woman studied at a technical school from 1972 to 1974, and after that she worked until 1979. From 1980 to 1982 she was on maternity leave, and after 2000 she worked. According to the rules of the Soviet Union, the period of study and maternity leave is counted as seniority, and work since 1992 will be taken into account under Russian laws.

note! The main type of pension in our country is old-age insurance. At the same time, the calculation procedure is also applied to insurance pensions for the loss of a breadwinner, as well as for disability. Only some coefficients will differ there.



It can be noted that labor pensions, which were calculated before 2001, are paid in the same way. Other types of pensions, such as military, state and social, are calculated according to completely different rules. For example, social pensions can be defined as fixed amounts, while military pensions can be defined as a certain percentage of monetary incentives. Therefore, it is necessary to consider all the rules by which pension payments are calculated for citizens who are now retiring.



What is the average pension for Russia?

According to the information provided by the Pension Fund, the average pension at the beginning of 2015 amounted to 14,100 rubles. If this is compared with wages, then the amount is approximately 40% of the average earnings in the country. In 2019, the average pension is 15,414 rubles. This is a thousand more than in 2018.

note! The average social pension is at the level of 9215 rubles. For disabled children, the average pension is 12,432 rubles.

It should be noted that Russia throughout the post-Soviet space is considered one of the richest countries that provides for its pensioners. Competition comes only from the Baltic region, but the amount of payments is higher due to high utility costs.



But if we compare the situation with the 90s of the last century, then in this area there is an improvement in the overall situation. In addition, the average pension is growing almost 2 times. This is facilitated by such an action as indexing. It is held several times a year for different types pensions.

What is the minimum age pension?

Having reached a certain age, each person must remember that he has a minimum pension. But what is he?

In the legislation of our country today there is no concept of a minimum pension. The size depends on several factors. The minimum amount must not be lower than the subsistence minimum for pensioners. It is installed in each region separately. If the payment underestimates this amount, then additional social supplements are established for the pensioner. And then the pension will be "adjusted" to the size of the subsistence minimum.



Social supplement is established only when there is an application from a pensioner. If a person continues to work, then there is no such payment. The minimum pension is increased only under certain circumstances:

• a citizen over 80 years old;
• several relatives are dependent;
• indexation of the insurance pension;
• pensioner goes to work.

note! To receive the minimum pension, you must have more than 15 years of work experience. But this is not the case for everyone. In this case, we will talk about the payment of a social pension.



What is the maximum age pension?

There is currently no maximum size. This figure will depend on several factors at once.

1. Number of work experience.
2. Wage.
3. Contributions to the pension fund.
4. Retirement age.

To understand this issue, it is necessary to refer to the law that regulates the payment of insurance pensions.



Since the beginning of this year, the retirement age has increased. Now women can retire only after 60 years, and men - after 65. If a person retires after this age, then he receives an increase.

note! Everything will depend on the time that a person spent at work when he was retired. The later you leave, the higher the monthly payment will be in the future.

Pension Calculator

Since 2013, a calculator has been posted on the website of the Ministry of Labor and on the website of the Pension Fund, with which you can calculate the future payment. But the exact size is not displayed there. A person can only predict the future amount of payments with various indicators. When calculating, you will need to enter the amount of wages, gender, if any, then the term of military service and much more.

The calculator will display the amount for today. In addition, it is based on a formula that was considered in the legislation on insurance pensions and has been in force since 2015. It must be remembered that this formula contains a tool that will reduce the size of the pension.

note! It is set depending on the situation in the country in the economic sphere, demographic and many others.



How is the funded pension calculated?

How is 5% calculated?

In order to immediately receive the funded part of the pension provision, it is necessary that the funded payment is less than 5% of the total provision. Otherwise, the payment will be set either urgent or indefinite. When the amount of the monthly accrual is calculated, the amount is divided by the planned payment period. It is 252 months in 2019.

What is the calculation formula?

According to Article 7 of Law No. 424, an urgent payment is available only to those persons who have formed their own savings due to the following factors:

• additional contributions that were paid either by the person himself or by the employer;
• making contributions for co-financing;
• maternity capital or any other income.



When an urgent payment is calculated, the amount of savings is divided by a certain planned period. It can't be less than 10 years. In this case, the formula will look like this.

NP = PN / T,

NP - the amount of the monthly payment;

PN - the total amount of savings;

T is the planned number of months for payments.

Every year on August 1, the amount of pension payments is adjusted depending on the amount of contributions that were not taken into account when determining the amount of savings.

You can use the calculator below for a convenient and accurate payout calculation.

The question of how the pension is calculated is quite important, so a very large number of citizens are concerned. Also important are such moments as its composition and types. Issues related to the advantages and disadvantages of state pension funds, as well as their non-state counterparts, should also be touched upon. In addition to these, you can ask a number of other equally important questions.

General concept

Every citizen has the full right to rest, especially when it comes to a well-deserved retirement. This can be understood as follows: work at a certain enterprise, to which the entire working life of a citizen was given, should guarantee him material support for the period of rest. And here no one talks about the obligations of the enterprise to its former employee in terms of providing such payments. This is done by pension funds, where contributions are made by each employer during the entire working life of the employee. The procedure for the formation, calculation and payment of pensions in the territory of the Russian Federation is carried out in full accordance with the law "On labor pensions".



The composition of the pension

If we consider the question of how a pension is calculated, then it should be mentioned that it consists not only of a mandatory part, but can also be supplemented by a voluntary one, and this indicates the possibility of using savings placed in a non-state pension fund. Mandatory pension has several types, which can be named: classical old-age pension, labor disability pension, as well as payments related to the loss of a breadwinner. The first of them usually includes three components: basic, funded and insurance.

Any enterprise and organization must make payments to the state compulsory insurance fund, and about half of these funds are transferred to the Pension Fund. These funds are not registered, that is, they are only transferred to the fund, where they are usually distributed for current pension payments to existing pensioners. This part just serves as the base, and its size depends entirely on the subsistence minimum at the moment, inflation and budgetary funds. The base part is not affected by seniority, wages, and other parameters. It can be paid even to foreign citizens who are permanent residents on the territory of the Russian Federation.

Insurance part

If we talk about how the pension is calculated, then it is necessary to consider the insurance part. It differs significantly from the basic one in that it is tied to a specific person. Its size is directly dependent on the amount of contributions accumulated at that time, as well as on the period of expected payments. From each employer, deductions are mandatory, the volume of which is 8-14% of the amount taxed for an individual employee. This amount usually includes not only wages, but also other funds that the company spends on each employee individually.



How is the insurance part calculated?

The insurance part of the pension is determined depending on the size of the pension capital accumulated in the personal account of the citizen, and the survival period, that is, the time that is determined by the state as allotted for citizens after retirement. It turns out that the insurance part of the pension is the entire pension capital divided by the survival period in months. This is the size of the monthly payments. After seeing off to retirement, the survival period is 19 years, which is usually quite enough. Such a period is used only to calculate a pension, and if someone lives longer, they will not be left without security. If we talk about how the old-age pension is calculated, then the law establishes that the later a citizen retires after reaching the prescribed age, the shorter the lifespan will be for him, that is, the amount of payments will be larger.



Accumulative part

This part is calculated in much the same way as the insurance part, but in this case the pension capital is replaced by the amount of savings. For each citizen, these savings are indicated in a special part of the personal account. The accumulative line differs in that it is usually placed in different investment instruments, it can be transferred to all kinds of funds for the implementation of management. Very often it is invested in various instruments, among which securities can be distinguished. Every working citizen has the right and opportunity to independently manage his funded part of the pension, thanks to which he can choose which management company or fund he will cooperate with in order to increase his savings.



Participation of non-state funds

The advantages of using non-state funds are quite obvious. Here we should first discuss the possibility of the most efficient investment of financial resources, thanks to which it is possible to ensure the optimal efficiency of pension growth. Usually, government funds work with instruments that are recognized as highly reliable, but this affects their profitability negatively. You can independently choose a management company from the list of those that have passed the competitive selection by the Russian Ministry of Finance. You can choose such a company once a year by filling out a special form.