There are a number of important changes that have occurred since the beginning of 2017:
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 legal order 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 necessary funds for promotion pension provision, which indicates serious intentions states in this direction.
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 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, in the Federal Budget Law Pension Fund RF, it is noted that on April 1, 2017, the cost of a pension point will be set at 78 rubles 58 kopecks, in connection with which it 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 |
On April 1, only the value of the pension point increased, the amount of the fixed payment remained without changes.
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 support 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 wages.
Thus, the law of December 29, 2015 No. 385-FZ came into force, which from 2016 pensions of working recipients until they leave labor activity. After dismissal, they will be returned to the usual indexation procedure, taking into account all increases that took place during the work.
The adopted restrictions do not apply to pensions (including social ones), regardless of whether the pensioner works or not.
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 indexing 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. |
---|---|---|
| 4959,85 | 5034,25 |
| 11903,51 | 12082,06 |
| 9919,73 | 10068,53 |
disabled people of 3 groups | 4215,90 | 4279,14 |
In accordance with pension legislation Russian Federation in 2018 (as well as in previous years) to every person living in the territory Russian Federation, upon reaching them of a certain age old age pension is provided. This type maintenance is established for the purpose of financial support for citizens who, due to their age, are limited in their former ability to work or, having reached age parameters, cannot work for other reasons.
To receive at least a minimum pension benefit in addition to achieving retirement age, the recipient must comply with other minimum requirements established by law:
Depending on the pension recipient’s compliance with the conditions specified by law, he may be assigned one of the following types of old-age pension:
The old-age insurance pension is assigned in our country more often than other pension payments. The vast majority of pensioners (about 83%) are its recipients. this type of payment is regulated Federal law dated December 28, 2013 N 400-FZ “About insurance pensions”, according to which the right to appoint it is acquired by its recipient if there is:
The above parameters by quantity insurance period and IPC are set for 2018 and, according to the law, increase annually. The experience requirement increases by 1 year until he eventually reaches 15 years, and IPC by 2.4 to the size 30 .
For people who worked in difficult climatic conditions, as well as in jobs with harmful, particularly difficult or hazardous conditions for health, access to old-age insurance pension benefits is possible earlier than the generally established retirement age, that is. Conditions of appointment early retirement, as well as the list of professions and persons entitled to it, are established by the same law “About insurance pensions”.
There are cases when a person, for some reason, did not have the opportunity to work at all or only had temporary official earnings. In a word, by the time he reached retirement age, he was unable to earn the length of service that would give him the right to insurance pension. And for this category of citizens, pension support is provided by the state.
If the citizen’s insurance record and individual industrial complex do not reach the minimum size required to establish an old-age insurance pension, or none at all, this category of recipients is assigned a pension.
However, to receive this financial support there are conditions that are provided for by the Federal Law “ On state pension provision in the Russian Federation» dated December 15, 2001 N 166-FZ, in accordance with which social old-age pension benefits are assigned disabled persons:
Concept "minimum pension" in itself is very subjective, since in different regions of our country both wages and prices differ significantly from each other, and in some areas, such as Far North and other localities, apply to wages regional coefficients. The size of pension payments depends on many circumstances and different regions residence it may vary.
If the recipient meets the minimum conditions, provided by law, the old-age pension in 2018 was established in the following amounts:
Social pension payments are established for their recipients in a fixed form, while insurance benefit for old age: IPC multiplied by its cost plus a fixed payment.
Depending on the region of residence of the pensioner minimum size The pension payment received may differ due to the different cost of living in the constituent entities of the Russian Federation. This occurs due to the appointment of one of the measures social support pensioners - additional payments to pension.
Annual pension payments. The law provides for an increase in pension benefits at the level of actual inflation of the previous year. Now the Government has provided for the indexation of pensions in 2018 by half a percentage point more than inflation in 2017 - by 3.7%(according to calculations, inflation in 2017 was 3.2%):
Thus, given that from January 1, 2018, the conditions for assigning an insurance pension change (you will already need to have 13.8 pension points), then the minimum old-age insurance pension will be:
13.8 x 81.49 + 4982.9 = 6107.46 rubles.
As for social pensions, the Government of the Russian Federation (in particular, the forecast of the Ministry of Economic Development) reports that it will be indexed by only 4.1%, then in 2018 the social old-age pension benefit will be 5163.2 rubles.
Minimum pension amount idle by law, a pensioner should not be below the subsistence level determined by the state for such citizens, while the total income takes into account not only the pension itself, but also additional monthly payments, allowances and compensation.
If the pension recipient’s monthly income is below the pensioner’s subsistence level (PLS), then his pension is set.
Depending on what level (in Russia or in the region of residence) the pensioner’s maintenance does not reach, social supplement he is assigned:
Accordingly, for its appointment, you must contact the territorial branch of the pension fund or territorial body social protection population.
In 2017, the size of the PMP, which determines the right to receive a federal social supplement, decreased (relative to 2016). The Federal Law on the Budget of the Russian Federation included the minimum subsistence level for a pensioner (in the country as a whole) to determine the social supplement to the pension at the federal level in the amount of 8,540 rubles. This event was aimed at reducing budget costs for the payment of social supplements to pensions.
However, in 2018, the budget included an increased cost of living for a pensioner - 8,726 rubles.
Here it should be taken into account that the social supplement is set to the level of the regional primary medical care, and in many regions it differs in one way or another from federal significance(maybe up or down). For example, in Moscow in 2018, a PM was established for receiving social benefits for pensions of 11,561 rubles, and in the Khabarovsk Territory - 10,895 rubles.
Maximum size pension benefit It is difficult to accurately determine in old age, since it also depends on many components. For example:
As an incentive for citizens to retire later, the state sets their pension provision by increasing it and depending on how many months later the citizen applied for a pension payment from the date he became entitled to it.
In accordance with Federal Law dated December 28, 2013 N 400-FZ “About insurance pensions”(Appendix 1) such a coefficient is provided in the calculation from 1 year up to 10 years deferments and maximum its value is equal 2,32 .
The amount of pension content largely depends on the number of individual pension points earned by a person during the period of his working activity and formed by converting the insurance contributions paid for this period, and their pension payment established at the time of appointment. However, in accordance with Appendix 4 to the above law, their maximum value behind calendar year you can dial no more than 10. In 2018, this figure is 8.70 points.
With the onset of retirement age, when people find themselves supported by the state, for many of them such benefits are the only source of income and, accordingly, means of subsistence. This becomes especially relevant in today's conditions.
Significant changes in the procedure for calculating pensions occurred in 2015, when changes to the legislation were adopted. Currently, old-age pensions can be obtained by men and women who have reached the ages of 60 and 55 years. Accurate maximum size It is almost impossible to calculate pensions in advance. It depends on the following factors:
Early accrual of pensions in the Russian Federation is possible for disability, as well as for mothers of large families and other individual categories citizens. In this case, a coefficient is used, which is individual in each individual case, and also depends on the pensioner’s affiliation with Moscow or certain regions of the country, for example, in the Far North.
All these circumstances are decisive in determining the size of the pension.
In accordance with the Federal Law “On Insurance Pensions,” which introduced revolutionary changes to the procedure for calculating such benefits, the age of citizens was no longer taken into account.
The reason for this was the government's desire to save money from the Pension Fund. However, applicants also had the opportunity to receive additional income, which became a reality if they continued to work. In particular, if a man who has reached the so-called retirement age of 60 years does not express a desire to retire and decides to continue his working activity, he will receive a significant increase in the accrued benefit. The size will be proportional to the time he could have spent on a well-deserved rest. The situation is similar for women who have reached the age of 55 years.
Thus, we can draw the obvious conclusion that the state encourages people to continue working after retirement age. At the same time, citizens are also interested in continuing to work, because this is how they can achieve the maximum pension available to them under all the above conditions. However, it is worth noting that the introduction of such a procedure has been postponed by the government until 2019.
Current Russian legislation determines the minimum and maximum pension amounts. On minimum pension Russian citizens who lack the necessary seniority. When determining the minimum pension amount, the established subsistence minimum is used.
In 2019, the approximate size of the insurance pension is expected to be 13.8 thousand Russian rubles. This amount includes the so-called “fixed payments” in the amount of 4,823.35 rubles.
To understand how the process of determining the size of pensions occurs in Russia, it is necessary to understand a special formula that takes into account the number of pension points accumulated during the work process, as well as the established amount of a fixed payment. However, citizens should not delve into such legal and economic intricacies, and in order to determine specific figures, there is pension calculator, which throughout recent years available on the websites of the Ministry of Labor and the Pension Fund of the Russian Federation.
As is known, the state in the Russian Federation must guarantee its citizens, in addition to direct pension provision, whole line other benefits that are available upon reaching retirement age. This is especially true given the fact that a significant part of today’s pensioners do not work, and the amount of payments is hardly enough to cover the most necessary expenses, defining the minimum level of conditions for human life. In this situation, the government has developed a set of measures on benefits and allowances for elderly citizens.
What ordinary Russians who have reached retirement age can count on:
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The specific amount that the pension cannot exceed is not indicated anywhere.
Theoretically, whatever we earned, that’s what we’ll get.
But there are still some nuances that can limit it in size or, on the contrary, make it larger.
What your pension will be depends on several factors:
In addition to the factors mentioned above, the amount of the pension is reflected in the management scheme chosen during the period of its accumulation.
If a person sent all contributions to an insurance pension, then he will accumulate more points and his pension (in the insurance part) will be higher than that of those who reserved the right to form its funded part.
However, if invested wisely, it will become a noticeable increase in the insurance part of the pension, which can lead to the fact that the total amount of pension benefits of those who formed savings part will be higher than those who decided not to do this.
Accurate forecast no one can provide this account; each citizen must independently monitor the profitability of investing their savings if they decide to continue their formation.
After retirement, those who formed funded pension will be able to independently choose the period for which they want to “stretch it out.” You can withdraw everything at once and spend it at your discretion, or you can divide it over several years or for the rest of your life.
It is difficult to provide a specific list of such specialists. We can definitely say that those specialists who had the highest salaries during their work will also be better off in retirement than others.
Some of the highest paid specialists currently are notaries and judges.
They have a good income, but this is more a matter of the place of work, rather than the specialty, however, as in most professions.
Employees of internal affairs bodies can boast of relatively decent pensions, scientists retired doctors (not to be confused with nurses).
The standard of living of former cosmonauts and test pilots is also under state control.
Private practitioners and entrepreneurs form their own pensions, and therefore their size can be either negligibly small or quite high by average standards.
It turns out that a good specialty is not the key to a high salary and pension, the main thing is to successfully find a job.
Collateral decent pension is competent management of your finances during the period of its formation, as well as employment with law-abiding, generous and honest employers. If the salary is not high enough or is hidden from the eyes of the state, then the pension will be modest.
Controversial issue is the possibility of increasing the pension by delaying its registration. The size of the pension will be larger, but if you calculate how much money a potential pensioner will not receive by postponing his pension until later, this increase doesn't seem like such a worthy reward. But no one knows how long he will live; he may never have time to be a pensioner.