Necessary conditions for an old-age insurance pension. Old-age insurance pension calculation and conditions for receiving

Old age insurance benefit is one of the main types of pensions in our country. In accordance with the law " About insurance pensions" No. 400-ФЗ dated December 28, 2013, in order to qualify for it, the requirements must be met regarding age, the minimum amount of experience and the minimum amount of points scored.

For some categories of citizens, a different retirement age has been determined -. These insured persons work in sectors and industries of the economy named in the Lists approved by the Government. In addition to the general rules, such citizens need to develop experience in the relevant types of work.

Labor and insurance pension: what is the difference?

Since the beginning of 2015, a new pension reform has started in Russia. Now, citizens who apply for a payment are issued an insurance pension; Such a concept as a labor pension is now absent from the new legislation.

One of the circumstances affecting the right to receive and the amount of payment is the length of service of the insured person. Previously, when assigning a labor pension, it was taken into account total experience. It includes the total duration of all periods of labor and other generally useful activities until 2002.

All citizens registered in the compulsory pension insurance system received conversion their pension rights as of January 1, 2002. Thus, their rights were converted into calculated pension capital.

• The calculation of length of service for a given period is carried out in calendar order, taking into account the actual duration.
• The only exceptions are certain periods of preferential work, which are counted in an increased amount in accordance with the legislation of the Russian Federation.

Now, when assigning an insurance pension, it is taken into account insurance experience. It includes periods of labor activity, during which insurance contributions to the Pension Fund were calculated and paid, as well as some non-insurance periods (conscription service, caring for a child under one and a half years old, for a disabled person of group I, a disabled child). Such socially significant periods are included in the insurance period, provided that there is direct work time before or after them.

Since 2015 pensions rights are taken into account in pension points, and when the payment is assigned they are converted into rubles.

Conditions for assigning old-age insurance pensions

Pension provision in our country is based on insurance principles, so the majority of our citizens receive insurance payments due to old age. However, for the assignment of such security there is a number of conditions described in Article 8 of the law “About insurance pensions”:

1. Reaching a certain age.
2. The fact of carrying out labor activity during the years established by law.
3. Availability of a minimum number of individual coefficients.

At the moment, the retirement age in Russia remains unchanged and is 55 years for women And 60 years for men. For those who work under preferential working conditions, the retirement age is significantly lower than the given figures and depends on the category of the benefit recipient.

As for length of service, the minimum amount is should be 15 years when making a payment. This requirement will be introduced by 2024. In the meantime, over the course of several years, the required amount of experience will increase by one year from the previous 5 years gradually. In 2017, the required required experience is 8 years.

With the adoption of the new law, citizens are awarded individual coefficients for each working year. Such points by the time the pension is assigned 30 must be accumulated. This requirement will also not be imposed immediately, but by 2025. In 2017, it is necessary to accumulate 11.4 coefficients and every year this figure will gradually increase. It is worth noting that there is also point limit: from 2021, odds above 10 will not be taken into account; at the moment this figure is 8.26.

Right to early pension assignment

• For some categories of citizens (disabled people of group I, citizens who have reached 80 years of age or who have dependents to support them), the value of the PV is set at an increased rate.
• For citizens who worked or lived in the North, “northern” coefficients are applied to this value.

In addition, the state has provided for the possibility additional increase the amount of payment due to bonus coefficients if a citizen decides to retire at a later date. In this case, the values ​​of the IPC and FV will be increased depending on the period for which citizens postponed the registration of their pension benefits.

New calculation formula

Based on the above, you can convert all significant factors into a formula for calculating your pension.

It looks like this:

SP = IPC x SPK + FV,

• JV- amount of insurance payment;
• IPC- accumulated pension points;
• SPK- the cost of one point on the day the pension is established;
• FV- basic amount.

This formula fully applies to those citizens who began their working career in 2015. For those who have little time left before retirement, all accumulated rights will be converted (translated) into coefficients, and then the calculation will be carried out in a new way.

Indicators such as a fixed amount and the cost of a pension point are increased annually by the Government of the Russian Federation at the rate of inflation.

Amount of fixed payment towards pension in 2017

Previously (from February 1, 2016), the base amount was increased by 4% and amounted to 4,558.93 rubles. The annual indexation of this indicator, approved by the state, takes place at a level not lower than inflation for the previous year.

An important innovation since 2016 has been the abolition of indexation of this indicator for working pensioners. The fact of employment is determined on the basis of data provided by policyholders in a monthly simplified report. After termination of work, pension payment is resumed, taking into account indexation. Moreover, when applying for a job, the amount of the insured amount is again will not be reduced.

In 2017, the amount of pension insurance was increased twice: according to inflation in 2016 - 5,4% and additionally up to the value specified by law of 5.8%. Thus, from April 1, 2017, the amount of the fixed payment will be 4823.37 rubles.

Minimum old-age pension in 2017

In accordance with the formula introduced under the new law, in order to become eligible for an insurance pension, it is enough to have 8 years of experience and 11.4 pension points in 2017. If there are such minimum values ​​of these indicators, the insurance payment will be assigned accordingly in the minimum amount.

It is worth noting that for recipients of pension payments, the amount of which is below the subsistence level established in the region of residence of the citizen, a federal social supplement (FSD) will be established.

Based on the above indicators, you can calculate the amount of insurance payment with minimum requirements.

It is known that the minimum requirement for pension points in 2017 is 11.4 pension coefficients. The insurance period is not taken into account when calculating the pension using the formula.

Having data on the cost of a pension point in 2017 and the size of a fixed amount equal to 78.58 rubles and 4823.37 rubles, respectively, we calculate the amount of the minimum pension payment in 2017:

11.4 x 78.58 rub. + 4823.37 rub. = 5719.18 rub.

This amount is significantly lower than the national subsistence level (8,540 rubles), as a result of which, when assigning a pension with minimum requirements, you can count on a federal social supplement to your pension.

Assignment of pension benefits

In this case, the citizen must contact territorial body of the Pension Fund of Russia or to a multifunctional center (MFC) that has entered into an appropriate agreement with the fund.

• Insurance pension established from the date of application after it, but not before the emergence of law. The day of application is considered to be the date of acceptance of the relevant application, or the number indicated on the postmark when transmitting such a document by mail, or the time of its sending via the Internet when using the government services portal.
• An exceptional case from this rule is an application for old-age payment within a month from the date of dismissal from the enterprise. Then the pension will be assigned from the next day after dismissal.

An application for establishing an age-related payment is considered by specialists from the Pension Fund of Russia within 10 working days from the date of admission, after which a decision is made on appointment or refusal. In the latter case, the Pension Fund informs the citizen within five working days about the decision made, indicating the reason and the deadline for appealing it. The period for reviewing documents can be extended beyond 10 days, but only if it is necessary to submit additional certificates. In any case he cannot be longer than three months.

The assignment of an old-age insurance pension is carried out without specifying the expiration date, that is indefinitely.

What documents are needed to apply for an old-age pension?

When applying for an old-age benefit, it is necessary to in order to present the following documents:

1. passport of the insured person who is a citizen of the Russian Federation, or residence permit for foreigners;
2. certificate confirming registration in the compulsory pension insurance system (SNILS);
3. work book and certificates confirming the fact of the citizen’s work, in the absence of an entry in the main document about the length of service;
4. salary certificate for 60 months during consecutive periods of work in the work book.

The last document will be considered in comparison with the result obtained on a citizen’s salary for 2000 - 2001, available to the Pension Fund of Russia. The most profitable option will be selected to calculate the total amount.

To assign a pension, the following may be submitted: other documents, the need for which will be reported by a Pension Fund specialist after a detailed study of all submitted certificates. Documents from other departments of the state and bodies subordinate to it are requested without the participation of the citizen as part of the provision of public services.

Payment of old-age insurance pension

Age payments are calculated and delivered for the current month. Citizens can receive a pension on their own or by issuing a power of attorney to another person. If the validity period of this document exceeds one year, then payment under it will continue subject to confirmation by the pensioner of the fact of registration at the place of receipt of the payment.

When submitting an application for appointment, a citizen is required to indicate a convenient method for delivering the pension. There are several such options:

• through post offices (at home or at the organization’s cash desk);
• through a bank;
• through an organization engaged in delivery of payments (at home or directly in such an institution, selecting it from the list of enterprises that have entered into an appropriate agreement with the Pension Fund of the Russian Federation).

Subsequently delivery method can be changed, if a citizen submits his expression of will in the form of a written appeal to the Pension Fund.

In accordance with current legislation, the recipient of an old-age insurance payment is obliged to notify the Pension Fund of all matters leading to a change in the amount of the pension, its termination or extension, as well as a change of place of residence on the next working day after the occurrence of such circumstances.

Pensions for compulsory pension insurance (MPI) can be divided into: old age, disability and loss of a breadwinner. The purpose of each of them depends on a number of circumstances, i.e. the onset of a specific insured event.

To establish an old-age insurance pension, it is not enough just to be insured in the compulsory health insurance system and have SNILS; in addition, it is also necessary to reach retirement age, have the necessary length of service and pension coefficients.

For more than 2 years (after the introduction of the law “About insurance pensions”) pension provision for citizens is assigned, which contains a new calculation component - individual pension coefficient, which depends on the amount of contributions made to the Pension Fund.

What is an “insurance pension”: concept and its types

In connection with the onset of disability, citizens insured in the compulsory pension insurance system (OPI) or, in some cases, their relatives are entitled to monthly cash support - this is insurance pension, which is paid to citizens to compensate for wages.

• Since incapacity for work can occur due to old age or disability, payments are divided into old-age or disability pensions, respectively.
• In addition, there is an insurance pension in the event of the loss of a breadwinner, which is provided to disabled relatives of a deceased citizen who was insured in the compulsory pension insurance system.

If the conditions for assigning insurance payments to a citizen are not respected, then he will be assigned a social old-age pension based on state support, but the age for receiving this pension will be increased by 5 years.

Minimum requirements for length of service, age and pension coefficients

In 2017, in order for a citizen to receive an old-age insurance payment, it is necessary that all three conditions:

• reach retirement age, which in Russia is 55 years for women and 60 years for men;
• have at least 8 years of work experience;
• have 11.4 pension points (coefficients) in your individual personal account with the Pension Fund.

It is also necessary to take into account that in accordance with Appendix 3 of Federal Law No. 400-FZ of December 28, 2013, the minimum length of insurance coverage and the minimum number of IPC (points) for assigning an old-age pension will be increase every year.

Years of service requirements will increase every year for one year until 2024 and upon reaching it (and in subsequent years) in order to assign a payment it will be necessary to have 15 years of experience. In the same way, the requirements for the minimum number of pension coefficients are increased annually by 2.4 points, and already in 2025, to retire you will need to have 30 points on your personal account.

Right to early retirement

As you know, in our country a specific age has been determined for men and women, after which they can apply for old-age insurance benefits. However, at the legislative level, some categories of citizens are allowed to retire before the established age. As a rule, this is associated with difficult and dangerous types of work. Depending on their profession, citizens can receive payments five, seven, or even ten years earlier than ordinary employees.

In accordance with Article 30 of Federal Law No. 400-FZ of December 28, 2013, subject to certain conditions, the old-age insurance pension can be established ahead of schedule citizens of the following professions:

1. miners;
2. tractor drivers;
3. workers of locomotive crews;
4. public transport drivers;
5. pilots;
6. fire service workers;
7. teachers;
8. health workers;
9. representatives of creative professions, etc.

In addition, Article 32 of Federal Law No. 400-FZ of December 28, 2013 may grant early pensions to some social criteria of persons, i.e. the assignment is not related to the type of work performed:

1. women who gave birth and raised five or more children before the age of 8;
2. women who have insurance experience in difficult climatic conditions if they have two children;
3. disabled people due to military trauma and visually impaired people of the first group;
4. midgets and disproportionate dwarfs;
5. northerners.

If certain conditions are met, then these citizens do not have to wait until they reach the generally established age; they have the right to retire earlier.

Where to apply for an appointment?

After a citizen has reached retirement age, and his insurance record and the amount of pension points are not less than established by the state, he can apply for an old-age insurance payment:

• to the territorial body of the Pension Fund of Russia;
• to the Multifunctional Center.

Contacting government agencies must be at the place of registration(including temporary). But if the insured person lives at an address that is not confirmed by registration, then an appeal is possible at the place of actual residence. However, Russians who have moved from the Russian Federation abroad for permanent residence and do not have registration in our country must contact directly the Pension Fund of Russia, which is located at the address: Moscow, Shabolovka Street, building 4.

Registration procedure and required documents

In order to apply for old-age insurance, you need to submit to the government agency the documents necessary to establish the payment. These are:

1. statement on the appointment of an old-age insurance pension;
2. passport(or residence permit - for foreign citizens);
3. SNILS(“green card” confirming registration in the compulsory pension insurance system);
4. documents confirming duration of insurance period(work book or its copy certified by the employer, etc.);
5. a certificate of average monthly income for 60 consecutive months during the period of employment (until 01/01/2002) or information on average monthly earnings in the period from 2000 to 2001.

For reference

Above are the main documents required to process the payment. In some cases (to confirm additional circumstances), additional documents may be required:

• about changing the name, surname or patronymic;
• about disabled relatives, etc.

Application for a pension

It is necessary to submit documents and an application for the assignment of security to the Pension Fund of the Russian Federation or the MFC. You can do this:

• in person by contacting the territorial authority;
• through a legal representative (by power of attorney).

Submission of documents is also provided by mail. In this case, the date of the citizen’s application for payment is considered to be the date of the postmark at the place of departure. In addition, the application can be sent through “Personal account of the insured person” on the official website of the Pension Fund (you can download the form there). The document must be in electronic format.

As a rule, the day of applying for the establishment of security is considered day of application acceptance. However, this applies to citizens who, on the day of filing the application:

• submitted all necessary documents;
• They did not submit all the documents, but within three months they provided the missing ones.

The Russian Pension Fund has the right to accept an application from a citizen for the establishment of an insurance pension no earlier than one month before the retirement age giving the right to payments.

Deadlines for appointment and payment of pensions

After the Pension Fund has accepted all the necessary documents, the application is considered within 10 working days:

• from the day of admission, if all documents were submitted on time;
• from the date of submission of the missing documents (if they were submitted within three months).

If all documents are true, and the citizen fully meets the three conditions for assigning insurance payments, then the pension provision is established from the day the citizen applies. Also, payment can be established earlier if within 30 days After leaving his job, the citizen applied for her. In any case, this type of pension is granted for an indefinite period.

Old-age insurance replaces a citizen's salary and is paid monthly. In this case, the pensioner has the right to choose a more convenient delivery method Money:

• to your home (via Russian Post, delivery organization);
• at the cash desk (via a bank, delivery organization or Russian Post).

To select the appropriate delivery method, you need to write application to the Pension Fund. This can be done either by contacting the territorial body in person, by email or on the Pension Fund website.

For reference

The pension fund has the right refuse the application, if the information contained in the submitted documents is not true. In this case, the Pension Fund will notify the citizen within five working days from the date of the decision, indicating the reason for the refusal, and will also return all submitted documents to him.

The amount of old age pension in 2017

After the pension reform of 2015, old-age insurance pension payments are calculated using the following formula:

SP = IPC × SIPC + FV,

• JV- old age insurance pension;
• IPC- individual pension coefficient (sum of points);
• SIPC- cost of one point (IPC);
• FV- fixed payment.

Since 2016, the cost of the individual pension coefficient from February 1st was 74.27 rubles, and the fixed payment was equal to 4558.93 rubles.

In February 2017, it is planned to index the value of the pension point and the fixed payment for inflation in 2016, which is planned to be about 5.8%.

As a result, their values ​​will be:

• SIPC - 78.58 rubles;
• FV - 4823.35 rubles.

In accordance with these data, substituting them into the general formula, you can obtain the procedure for calculating old-age pensions in 2017:

SP = IPK × 78.58 + 4823.35 rubles.

To calculate this formula, all that remains is to substitute the sum of your own points(IPK).

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

1. 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.
2. 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.

Attention: non-insurance periods are taken into account in the calculation of accruals only for citizens who were employed before or immediately after them. 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 most common payment in favor of citizens from the Pension Fund budget for 2019 is an insurance pension.

This is due to the fact that the funded system was frozen by the government. The Central Bank of the Russian Federation has been instructed to carry out measures to verify and record non-state pension funds that plan to work with citizens’ deposits.

1. 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:
2. Availability of confirmation of transfers of contributions to the Pension Fund budget for a strictly defined period or more.
3. Presence in the pension file of information on the minimum number of individual coefficients.

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Specific Condition Parameters

These three rules are mandatory and sufficient to receive permanent old-age benefits. Indicators are currently subject to change.

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.

For reference: until 2015, pensions were awarded to citizens whose work experience exceeded 5 years.

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:

1. 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.
2. 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:

1. 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).
2. The contribution amount is transferred to individual coefficients (IPC) and is taken into account in your personal file.
3. The number of points directly depends on:
   • the amount of the contribution (i.e. salary);
   • duration of payments.

Attention: the principle of the new calculation is based on the interest of workers in increasing pension payments in old age. The more a person works, the higher his salary.

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.

Attention: to encourage later application for an old-age pension, increasing coefficients have been introduced. They apply to both components of payments.

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.

Attention: fixed indicators from the formula (BV and SOB) are established by the government of the Russian Federation and are subject to indexing annually.

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:

1. 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);
2. 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;
3. A justified refusal is sent to the applicant’s address within five days;
   • the letter must indicate the terms and conditions for appealing it.

Important: the insurance pension is assigned in connection with reaching the working age limit for an indefinite period, that is, the decision does not contain data on the end of transfers.

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.

Important: the amount of the final payment will be calculated based on the income certificate. Therefore, the applicant is allowed to independently choose the most profitable period.

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).

Attention: In some cases, a salary certificate will not be required. Thus, if there is an amount of insurance premiums for 2000-2001 on a citizen’s personal account of 44,000 or more, the maximum ratio of wages to the required indicator is established. Important: often other papers are required to assign a payment. The PFR specialist informs the applicant about this. Information stored in government agencies is obtained by the latter independently.

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.

Attention: the application must contain accurate and reliable information about the relevant details of the recipient.

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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According to the legislation, since 2015, the insurance part of pension savings has been transformed into a separate type - an insurance pension. Since there are several types of pensions, not everyone understands what they are and what they are formed from. What an insurance pension is will be discussed in this article.

Concept

Insurance pension - what is it? A similar question is asked by citizens who encounter this term. From the name itself it is clear that this pension is formed on the principle of insurance. That is, during the entire period when the employer pays mandatory insurance contributions for his employee, the employee receives an insurance pension. Its size directly depends on the salary. Upon the occurrence of an insured event, that is, reaching retirement age and no longer being able to work, the citizen begins to receive monthly government payments.

Why is this necessary?

Since a new type of payment will be used instead of a labor pension, you should understand what their differences are and what they are needed for. There is no need to panic and do as our citizens are accustomed to when faced with something unknown and new. In fact, everything is very simple, and the main thing to understand is: the higher a person’s salary, the higher the insurance contributions and, accordingly, the larger the pension. If previously a citizen could only receive a certain amount of pension payments, today he has the right to determine the size of his pension in the future. Thus, we can conclude that the more an employee earns, the higher his insurance pension payments will be, which in the future can determine the amount of his income.

How is it formed

As mentioned above, the insurance pension is formed from the compulsory insurance payments of the employer for its employee. The total contribution amount is 22% for compulsory pension insurance. These percentages are divided into a joint tariff, which is equal to 6%, and an individual tariff, equal to 16%. The solidarity tariff is intended to finance fixed payments. Citizens are offered two pension options to choose from. Depending on his individual decision, he can choose what part of the interest will go towards the formation of an insurance pension. For example, an individual tariff of 16% of contributions can be used entirely to accumulate the insurance portion of pension contributions. Or, as in another option, 6% can go to a funded pension, and 10% can form an insurance pension. Thus, it becomes clear why changes were introduced to the legislation on insurance pensions and how it is formed.

Labor insurance pension

This type of pension is of interest to almost the entire working population of the country. It is this that is fundamental for calculating pension savings and the final amount of total income. It is formed from two parts - a funded and an insurance pension. What this concept is will be discussed a little below. The main thing you should know is that it is very problematic to independently calculate the amount of this pension; several coefficients and formulas are used for this. Moreover, when a citizen reaches retirement age, a lot can change.

So, the concept of a labor insurance pension means that a person has at least six years of insurance experience, for which the state guarantees him monthly payments upon the occurrence of an insured event. In this case, it will be reaching retirement age.

How to calculate the amount of labor insurance pension

As mentioned above, to calculate the amount of this pension, you need to use special formulas and coefficients. The calculations are based on two parts of the pension - insurance and funded. The insurance pension - what it is and how to calculate it, was described above, but how to find out the size of the funded pension will now be described. The funded part of the pension is formed at the request of the citizen, that is, he has the right to choose only one type of pension provision. Thus, you can create a funded pension at your own discretion. Its size will correspond to 6% of monthly mandatory contributions.

To find out the size of your retirement pension based on insurance contributions, you need to add up the insurance and savings parts. To calculate the insurance part, you need to use the following formula: SC=PC/T+B. Here the MF is the insurance part itself; PC - the amount of capital that determines the value at the time of assigning pension contributions by age; T - the period in which payments due to age are expected; B is the basic component of the labor pension, it is fixed, its size can be found out from your pension fund manager.

The law on insurance pensions states that its size is subject to annual indexation depending on the increase in consumer prices. Calculation of the size of the labor pension will depend on changes in several factors affecting the standard of living and pricing of the food basket.

Who can count on pension benefits

Insurance is paid to citizens who have reached retirement age. For women it is 55 years old, for men - 60. Since 2015, in order to receive an old-age insurance pension, you must have made contributions for at least six years.

Persons who pay a monthly insurance contribution to the Pension Fund can count on pension payments upon reaching the required age, if the value is at least 30.

How to take care of your pension

The old pension system, which smoothly transitioned from Soviet times to modern economic realities, has shown its incapacity. That is why a reform took place that changed the general approach and view of mandatory monthly contributions of citizens. Today, every person can independently take care of their future pension. It is enough to approach this issue competently so as not to act surprised and say: “Insurance pension - what is it?” As mentioned above, monthly contributions can affect the amount of future income when you are no longer able to work. Thus, you should not hide your salary so as not to end up with minimal income in the future. You can independently make payments to the savings part and in this way increase the amount of future income.

What is early retirement?

Some citizens may receive pension payments earlier than the required period, that is, men - before they turn sixty years old, and women - until fifty-five, respectively. Persons who work, for example, in difficult conditions have the right to receive an early pension. Depending on the location, three lists can be distinguished. Which of them an individual belongs to must be clarified with the Russian Pension Fund.

Early retirement has many nuances when applying, so a citizen working in difficult working conditions must collect all the necessary documents confirming his length of service. It would not be amiss to include certificates from your workplace in the list of documents, since a work book is not enough.

Structure of the pension system in Russia

Currently, the Pension Fund of the Russian Federation is responsible for the following types of pensions, for which it has the authority to form, assign and pay to disabled sections of the population:

• state pension provision;
• labor;
• non-state.

Depending on their wishes, every citizen has the right to form a pension at their own discretion. This applies to the working population whose working experience has not yet reached a certain level. For example, you can contribute interest from your income to both state pension funds and non-state pension funds (NPF). If the investor has made a choice in favor of non-state pension funds, then from the moment the agreement is signed, the two parties become responsible. The citizen undertakes to contribute a monthly percentage of his salary, and the fund undertakes to pay him monthly contributions from the moment of loss of ability to work.

The old-age insurance pension can also be paid through non-state pension funds. Since the beginning of 2015, with the introduction of several reforms regarding payments to unemployed citizens, the following feature has appeared: if a citizen’s working experience is less than the established one and the accumulated points are insufficient, then he can receive payments only after five years. Thus, the insurance period for a pension significantly depends on the well-being of each person living in the Russian Federation.

Recently, namely with the introduction in 2015, the state has taken responsibility for only one type of mandatory payments - the insurance pension. Therefore, a person who decides to make contributions to the savings system fully assumes such obligations independently. In any case, the size of the insurance pension will depend on each citizen. The state can only pay a basic benefit and only in certain cases.

For people holding positions in agriculture, the government has made small additions to pension points. For example, for employees with more than thirty years of experience and permanently residing in rural areas, an increase in pension is provided.

Mothers of many children will also receive additional points for calculating mandatory state payments.