How is the future pension formed and calculated. Who is eligible for early retirement? Recalculation of pensions for working pensioners

The issue of increasing the amount of payments is one of the main both for the pensioners themselves and for the government as part of its implementation of the Strategy for the long-term development of the pension system. This issue is becoming especially relevant at the moment due to the growth of the consumer price index, and, consequently, rising inflation and instability in the social sphere.

In the latter option, the sum insured can be increased due to unaccounted payments:

  • when assigning one of the types of insurance payment;
  • when transferring from one to another;
  • or at the previous recalculation.

Recalculation of pensions for working pensioners

For working recipients of pension payments, this is a change in the size of the pension in connection with the continuation of labor activity, and hence the continuation of the transfer of insurance premiums by the employer to the Pension Fund. Such an increase is carried out annually on August 1 on an unannounced basis and, in fact, is an adjustment, since depends on salary particular pensioner.

For the first time recalculation under the new rules of the law "About insurance pensions" was made from August 1, 2016, taking into account insurance premiums for the full previous year.

The amount of the payment is now increased by the value of pension points (PPI). Moreover, the maximum value of the IPC, taken into account in such a recalculation, is established by law:

  • no more than 3.0- for citizens who do not form pension savings in a given year;
  • no more than 1,875 - for citizens transferring funds for a funded pension.

The recalculation of payments to working pensioners is carried out on the basis of Art. 18 law "About insurance pensions". Increase amount and the increased amount of the pension can be determined by the formula:

SP 2 = SP 1 + (IPK x SPK),

  • SP 2- the amount of insurance payment after recalculation,
  • SP 1- the amount of the insurance payment before the increase,
  • IPK- individual coefficient on January 1 of the year in which the increase is made,
  • SPK- the value of the pension coefficient as of the day from which the recalculation is carried out.

Petr Ivanovich receives an old-age insurance pension and continues to work. From August 1, 2018, he is entitled to recalculation, taking into account the accumulated points for 2017. Last year, Petr Ivanovich's average monthly salary was 15,000 rubles. Therefore, the annual salary: 15,000 x 12 = 180,000 rubles.

The contribution rate for the insurance payment is 16%, because funded pension is not formed. Payments for the insurance pension transferred for the year: 180,000 x 0.16 \u003d 28,800 rubles.

To convert this amount into points, it is necessary to divide it by the amount of annual contributions from the maximum salary in 2017 (876,000 x 0.16 \u003d 140,160 rubles):

  • 28800 rubles / 140160 rubles x 10 = 2.055 points.

The cost of 1 point in 2018 is 81 rubles 49 kopecks. Petr Ivanovich's pension at the moment is 10 thousand rubles.

Having all the above data, we calculate the amount of the payment after the future adjustment on August 1, 2018:

  • 10,000 + (2.055 x 81.49) \u003d 10,000 + 167.46 \u003d 10167.46 rubles.

Thus, the size of the increase in the pension of Petr Ivanovich will be 167.46 rubles, and the amount of the payment will be 10,167.46 rubles.

Recalculation of the funded part of the pension

This type of recalculation is carried out on the basis of Art. 8 Laws "About funded pension" August 1st annually in an informal manner for citizens receiving funded or urgent pension payments.

An increase in the amount of payments for this type of pension is possible in the following cases:

  • income from investment pension savings;
  • receipt of payments not included in the appointment this part of the pension (for example, if the citizen continues to participate in the state co-financing program).

In fact, this change in the funded pension payment is an adjustment and is of an individual nature, since it depends on the contributions received to the personal account.

Recalculation of pensions for women for children

After the pension reform, since 2015, when calculating a pension, not only the time of work, but also other periods counted in the insurance period (non-insurance) began to be taken into account. One of them is the child care period, for which 1.8 pension points are awarded for a full year of care.

Before the pension reform, such periods did not affect the size of the pension, but now women have the opportunity to spend, receiving an increase in their pension. Such a recalculation is carried out in a declarative manner, i.e. an application of the established form is submitted to the Pension Fund of the Russian Federation.

However, often in order to obtain the right to account for pension points for periods of childcare, it is necessary to partially waive the previously assigned pension and apply to the FIU with an application for the appointment of a new one, in which the option of such a replacement will be taken into account. At the same time, when recalculating points, the length of service may be reduced.

Recalculation when a pensioner reaches 80 years

In this case, it happens increase in the amount of the fixed payment. For citizens who are over 80 years old, the increase is carried out in a double amount automatically, taking into account the passport data available in the payment file.

It should be remembered that the right to receive a second basic payment upon reaching the age of 80 can be exercised by only beneficiaries.

  • Citizens receiving a survivor's benefit must switch to an old-age insurance pension in order to acquire the right to a double fixed payment, for which they must submit an appropriate application to the FIU.
  • Retirees receiving are also not eligible for double the base amount.

Pension upon change of disability group

When changing a disability group from one to another, recalculation of the amount of payment is made without application from the date of establishment of another group. The basis for such a recalculation is the certificate of examination sent by the bodies of medical and social expertise to the territorial body of the PFR at the place of registration of the pensioner.

It is worth noting that an increase in a fixed amount when a disability group changes is also related to the insurance payment for old age and disability. For disabled citizens of group I, a fixed payment is made in double size.

Application to the Pension Fund for the recalculation of pension

A citizen receiving a pension payment has the right to apply for a change in the amount paid in the event of a change in circumstances affecting its size.

fixed amount recalculation may be the following cases:

  • change in the number of dependents;
  • change of residence to the Far North or an area equated to it;
  • acquisition of the right to an early retirement in connection with the length of service worked in the Far North;
  • change in the category of the recipient of the insurance payment for the loss of the breadwinner in connection with the loss of the second parent;
  • moving from the countryside to another place of residence.

Grounds for implementation recalculation of insurance pension are:

  • change in the number of points accumulated for the previous year;
  • change in the amount of pension coefficients.

You can apply for the recalculation of a pension in person or through a representative by contacting the PFR department at the location of the pension case, through a multifunctional center, a post office or a personal account on the PFR website.

The application must have the following information:

  • information contained in the citizen's passport;
  • the reason that is the basis for the recalculation;
  • list of attached documents.

To complete the application, you will need: a passport and SNILS, other documents can be requested from the applicant only if they are not available in state bodies. This rule is regulated by the Law on the provision of public services No. 210-FZ of July 27, 2010.

Written appeal is considered within five working days from the date of receipt with all necessary documents, or from the day of receipt of the last missing document.

When does the pension adjustment take place?

Change in the amount of the paid pension in an informal manner takes place annually on August 1st. Such adjustment of pension payments is carried out:

  1. taking into account the received payments for the insurance pension;
  2. taking into account the payments received for the funded pension.

The reason for this change is the increase in the amount of the pension coefficient for the previous year.

Other increases in the amount of cash are carried out:

  • from the 1st day of the next month after a change in circumstances, reducing the amount payments;
  • from the 1st day of the next month after the receipt of the application for recalculation upward payments.

However, there are special cases regarding the date of occurrence of the right to recalculation:

  • at reaching the age of 80- from the date of reaching the specified age;
  • at change of disability group- from the day the disability was established (except in cases of assigning a group that entails a downward recalculation, then the change in the amount will occur from the next month).

Conclusion

The recalculation of the pension payment is due to recipients in Russia. The change in the amount occurs either on the basis of documents already available in the pension file, or in connection with the submission by the citizen of new documents or the emergence of new circumstances.

In contrast to the recalculation is more individual character for a pensioner, since it takes into account the characteristics of each individual at a certain point in time, for example, reaching the age of 80, changing the number of dependents, changing the disability group.

However, there are recalculations made en masse, for example, concerning, to whose personal accounts employers' insurance premiums continue to be received. In addition, additional payments may also be received on, in connection with which a new type of recalculation was introduced relatively recently, taking into account such contributions.

Order of the Ministry of Health and Social Development of the Russian Federation (Ministry of Health and Social Development of Russia) dated March 31, 2011 N 258n Moscow "On approval of the Procedure for confirming periods of work giving the right to early appointment of an old-age labor pension.

Registration N 20777.

In accordance with paragraph 2 of the Decree of the Government of the Russian Federation of July 11, 2002 N 516 "On approval of the Rules for calculating periods of work, giving the right to early appointment of an old-age labor pension in accordance with Articles 27 and 28 of the Federal Law" On labor pensions in the Russian Federation "(Collected Legislation of the Russian Federation, 2002, N 28, Art. 2872; 2006, N 19, Art. 2088; N 42, Art. 4410; 2007, N 26, Art. 3186; 2009, N 22, Art. 2725) I order:

Approve the attached Procedure for confirming periods of work giving the right to early appointment of an old-age labor pension.

Minister T. Golikova

Application

The procedure for confirming periods of work giving the right to early appointment of an old-age labor pension

I. General provisions

1. This procedure defines the rules for confirming periods of work that give the right to early appointment of an old-age labor pension in accordance with paragraph 1 of Article 27, Article 27.1 and subparagraphs 2, 6 and 13 of paragraph 1 of Article 28 of the Federal Law of December 17, 2001 N 173-FZ "On labor pensions in the Russian Federation" (Sobraniye zakonodatelstva Rossiyskoy Federatsii, 2001, No. 52, Art. 4920; 2009, No. 1, Art. 27; N 30, Art. 3739) (hereinafter referred to as the Federal Law).

2. In accordance with this procedure, the periods of the following works are subject to confirmation:

1) underground work, work with harmful working conditions and in hot shops;

2) work with difficult working conditions;

3) the work of women as tractor drivers in agriculture and other sectors of the economy, as well as as drivers of construction, road and loading and unloading machines;

4) the work of women in the textile industry at work with increased intensity and severity;

5) work as working locomotive crews and workers of certain categories who directly organize transportation and ensure traffic safety on railway transport and the subway, as well as drivers of trucks directly in the technological process in mines, cuts, in mines or ore quarries for export coal, slate, ore, rocks;

6) work in expeditions, parties, detachments, on sites and in brigades directly on field geological exploration, prospecting, topographic and geodetic, geophysical, hydrographic, hydrological, forest management and survey work;

7) work as workers and foremen (including senior ones) directly at logging and timber rafting, including maintenance of mechanisms and equipment;

8) work as machine operators (docker-machine operators) of integrated teams in loading and unloading operations in ports;

9) work as a seafarer on ships of the sea, river fleet and fishing industry fleet (with the exception of port ships permanently operating in the port waters, auxiliary and crew ships, suburban and intracity ships);

10) work as drivers of buses, trolleybuses and trams on regular urban passenger routes;

11) work in underground and open pit mining (including personnel of mine rescue units) for the extraction of coal, slate, ore and other minerals and in the construction of mines and mines;

12) work on ships of the marine fleet of the fishing industry in the extraction, processing of fish and seafood, the receipt of finished products in the fishery, as well as on certain types of ships of the sea, river fleet and the fleet of the fishing industry;

13) work in the flight crew of civil aviation;

14) work on direct flight control of civil aviation aircraft;

15) work in the engineering and technical staff at work on the direct maintenance of civil aviation aircraft;

16) work as rescuers in professional emergency rescue services, professional emergency rescue units of the Ministry of the Russian Federation for Civil Defense, Emergency Situations and Elimination of Consequences of Natural Disasters and participation in emergency response;

17) work with convicts as workers and employees of institutions executing criminal sentences in the form of deprivation of liberty;

18) work in the positions of the State Fire Service (fire protection, fire fighting and emergency rescue services) of the Ministry of the Russian Federation for Civil Defense, Emergency Situations and Elimination of Consequences of Natural Disasters;

19) implementation of pedagogical activities in institutions for children;

20) implementation of medical and other activities for the protection of public health in healthcare institutions in cities, rural areas and urban-type settlements;

21) implementation of creative activities on stage in theaters or theater and entertainment organizations;

22) work in the regions of the Far North and equivalent areas;

23) work of persons permanently residing in the regions of the Far North and equivalent areas as reindeer herders, fishermen, hunters;

24) work in the flight test staff.

3. Periods of work giving the right to early appointment of an old-age labor pension are confirmed:

before the registration of a citizen as an insured person in accordance with Federal Law No. 27-FZ of April 1, 1996 "On Individual (Personalized) Accounting in the System of Compulsory Pension Insurance" (Sobraniye Zakonodatelstva Rossiyskoy Federatsii, 1996, No. 14, Art. 1401; 2001, N 44, item 4149; 2003, N 1, item 13; 2005, N 19, item 75; 2007, N 30, item 3754; 2008, N 18, item 1942; N 30, item 3616; 2009, N 30; item 3739; N 52, item 6454; 2010, N 31, item 4196; N 49, item 6409; N 50, item 6597) (hereinafter - until the registration of a citizen as an insured persons) - documents issued by employers or relevant state (municipal) bodies; after registration of a citizen as an insured person in accordance with the Federal Law of April 1, 1996 N 27-FZ "On individual (personalized) registration in the system of compulsory pension insurance" (hereinafter - after registration of a citizen as an insured person) - on the basis of information individual (personalized) accounting.

Periods of work giving the right to early appointment of an old-age labor pension in the territory of the Russian Federation before the registration of a citizen as an insured person can be confirmed by witness testimony. The nature of the work is not confirmed by the testimony of witnesses.

II. Features of confirmation of individual periods of work, giving the right to early appointment of an old-age labor pension, before registering a citizen

4. In cases where data is needed on the nature of work and other factors (indicators) that determine the right to early assignment of an old-age labor pension, established for certain types of work (activity), for example, employment in underground work, on the performance of work in a certain way, about work with hazardous substances of certain hazard classes, on the performance of work in a certain place (area) or structural unit, on the status of a settlement, on the fulfillment of the norm of working hours (pedagogical or educational load), etc., certificates are accepted to confirm the periods of work, as well as other documents issued by employers or relevant state (municipal) bodies.

Certificates are issued on the basis of documents of the relevant period of time when the work was performed, from which it is possible to establish the period of work in a particular profession and position and (or) in specific jobs (under conditions) that give the right to early assignment of an old-age labor pension.

5. In certificates issued by employers or relevant state (municipal) bodies, in cases provided for by law, the following information is indicated:

About periods of work during the full navigation period and during the full season in organizations of seasonal industries;

About the periods of geological exploration, prospecting, topographic and geodetic, geophysical, hydrographic, hydrological, forest management and survey work in expeditions, parties, detachments, on sites and in brigades directly in the field;

On periods of work on a rotational basis, including in the regions of the Far North and equivalent areas;

On periods of paid involuntary absenteeism in case of illegal dismissal or transfer to another job and subsequent reinstatement in the previous job, giving the right to early appointment of an old-age labor pension;

On periods of initial vocational training or retraining (on the job) at workplaces in accordance with a student agreement, which are included in the length of service in the relevant types of work in the manner prescribed by paragraph 11 of the Rules for calculating periods of work that gives the right to early appointment of an old-age labor pension in accordance with Articles 27 and 28 of the Federal Law "On labor pensions in the Russian Federation", approved by the Decree of the Government of the Russian Federation of July 11, 2002 N 516 , article 2088; N 42, article 4410; 2007, N 26, article 3186; 2009, N 22, article 2725) (hereinafter - the Rules of July 11, 2002);

On periods of work that does not give the right to early assignment of an old-age labor pension, if such work was performed in connection with a transfer to it from a job that gives the right to early assignment of an old-age labor pension, in the same organization due to production necessity for a period of not more than one month;

On the periods of probation for employment, giving the right to early appointment of an old-age labor pension;

On the periods of work performed by a pregnant woman, excluding the impact of adverse production factors, when she is transferred in accordance with a medical report upon her application from a job that gives the right to early appointment of an old-age labor pension;

On periods of work giving the right to early appointment of an old-age labor pension, which was carried out in the mode of a part-time working week, but full-time due to a reduction in production volumes (with the exception of work giving the right to early appointment of an old-age labor pension in accordance with subparagraphs 13 and 19-21 of paragraph 1 of Article 27 of the Federal Law), on the periods of work, which, in accordance with paragraph 6 of the Rules of July 11, 2002, are calculated according to the time actually worked, as well as on the number of working days during which the employee was constantly at during a full working day, he is employed in jobs that give the right to early appointment of an old-age labor pension;

On periods of downtime (both through the fault of the employer and the fault of the employee), as well as periods of suspension from work (non-admission to work) for the reasons listed in paragraph 9 of the Rules of July 11, 2002.

6. The results of attestation of workplaces in terms of working conditions, the conclusions of the bodies of state expertise of working conditions can be used, along with other documents, as confirmation of employment at work if they contain data on those factors (indicators) that determine the right to early appointment of an old-age labor pension.

7. Periods of work in the professions of workers, unified during the revision of the releases of the Unified Tariff and Qualification Directory of Works and Professions of Workers (ETKS) in the professions provided for by the lists of jobs, professions, positions, specialties and institutions (organizations), taking into account which the old-age labor pension is assigned ahead of schedule in in accordance with subparagraphs 1, 2, 4, 5 and 7 of paragraph 1 of Article 27 of the Federal Law, the identity of which was established by the Decree of the Ministry of Labor and Social Development of the Russian Federation of April 1, 2003 N 15 "On the establishment of the identity of the professions of workers, work in which gives the right for the early appointment of an old-age labor pension in accordance with subparagraphs 1,2,4,5 and 7 of paragraph 1 of Article 27 of the Federal Law "On labor pensions in the Russian Federation" (registered by the Ministry of Justice of Russia on April 18, 2003 N 4431) are confirmed by documents of employers or relevant state (municipal) bodies, while the unification of such professions is confirmed by extracts from the ETKS or a relevant act.

8. The periods of work giving the right to early appointment of an old-age labor pension as divers and other workers engaged in underwater work are confirmed by a diving book or other documents (in the absence of a diving book) that contain data on the number of hours spent underwater.

9. The periods of work, giving the right to early appointment of an old-age labor pension, for certain categories of aviation workers are confirmed:

For flight personnel - a work book and on the basis of a flight (parachute) book. In the absence of a flight (parachute) book or insufficient information contained in it, flight hours can be confirmed by extracts from orders, certificates and other documents issued by employers in the prescribed manner;

For employees involved in air traffic control - a work book, as well as on the basis of a certificate of a traffic service dispatcher (flight director) with notes on admission to direct air traffic control at specific control points; certificates of the employer indicating orders for the appointment of a specialist for a position related to the direct control of air traffic;

For employees of the engineering and technical staff of aviation - a work book, as well as on the basis of certificates issued by employers confirming direct full-time employment in operational and periodic (warranty) aerodrome maintenance of aircraft and other aircraft.

10. The periods of work giving the right to early appointment of an old-age labor pension (participation in emergency response) for rescuers of emergency rescue services and formations of the Ministry of the Russian Federation for Civil Defense, Emergencies and Disaster Relief is confirmed by a rescuer’s book or (in the absence of rescuer's books) other documents that reflect the participation of the rescuer in the work to eliminate emergency situations.

11. Periods of work, giving the right to early appointment of an old-age labor pension, for some categories of theater artists and other theatrical and entertainment organizations are confirmed by a work book and other documents containing the necessary information about the name of the profession (position), genre affiliation, the nature of the work performed or the status of the organization, in which the work proceeded (posters, programs, qualification characteristics, billing data, etc.).

III. Confirmation of periods of work, giving the right to early appointment of an old-age labor pension, before registering a citizen as an insured person on the basis of witness testimony

12. Periods of work giving the right to early assignment of an old-age labor pension, in a certain profession, position or in production, where the right to early assignment of an old-age labor pension is established regardless of the nature of work, on the territory of the Russian Federation before the registration of a citizen as an insured person may be established on the basis of witness testimony, if documents on work are lost due to natural disasters (earthquake, flood, hurricane, fire, etc.), in the manner prescribed by section V of the Rules for calculating and confirming the insurance period for establishing labor pensions, approved by a Government decree of the Russian Federation of July 24, 2002 N 555 (Sobraniye zakonodatelstva Rossiyskoy Federatsii, 2002, N 31, Art. 3110; 2003, N 33, Art. 3269; 2009, N 43, Art. 5067).

The nature of the work and other factors (indicators) provided for by law and determining the right to early appointment of an old-age labor pension are not supported by witness testimony.

IV. Confirmation of periods of work giving the right to early appointment of an old-age labor pension,

after registration of a citizenas an insured person

13. Periods of work giving the right to early appointment of an old-age labor pension, after the registration of a citizen as an insured person, are confirmed by an extract from the individual personal account of the insured person, formed on the basis of information from (individual) personalized records.

An old-age labor pension in Russia is a monthly cash payment to persons who have reached retirement age (for men it is 60 years, for women - 55) with at least 5 years of insurance experience.

The following citizens of the Russian Federation, foreign citizens and stateless persons permanently residing in the territory of the Russian Federation have the right to an old-age pension:

  • working under a labor, license or author's contract;
  • self-employed (individual entrepreneurs, notaries, lawyers, members of peasant farms, private detectives);
  • who are members of the communities of the small peoples of the North, engaged in traditional sectors of management;
  • other citizens who have compulsory pension insurance relations in accordance with Law No. 167-FZ “On Compulsory Pension Insurance in the Russian Federation”.

To apply for an old-age labor pension, a citizen must apply to the Pension Fund authority at their place of residence. You must have a passport and a work book (or any other document confirming the length of service) with you.

In some cases, additional documents may be required to apply for an old-age pension:

  • Certificate of average monthly earnings for 60 consecutive months up to 01/01/2002;
  • Documents confirming that a citizen has disabled family members;
  • Certificate stating that disabled family members are dependent on a citizen;
  • Document on the place of residence, stay or actual residence in the territory of the Russian Federation;
  • A document confirming the place of permanent residence of a citizen of the Russian Federation outside the territory of the Russian Federation;
  • Documents on changing the last name, first name or patronymic;
  • Certificate of disability and the degree of limitation of the ability to work.

An application for an old-age labor pension is considered within 10 days from the date of receipt of this application. Please note that a labor pension is assigned to a citizen from the date of application, but not earlier than the day the right to a pension arises.

However, the legislation allows the appointment of a labor pension earlier than the day of application in some cases. Let's consider each of these cases in more detail.

In the first case, an old-age labor pension can be assigned the next day after dismissal from work, if a citizen applied for a pension within 30 days from the date of dismissal. In the second case, an old-age labor pension is paid to a citizen who already receives a labor disability pension and has an insurance record of at least five years. In this case, the old-age labor pension is assigned on the day of reaching the retirement age; an application is not required for this.
You can receive an old-age pension in one of three ways, choosing the most optimal for yourself:

  1. A citizen can receive a pension with home delivery;
  2. A citizen can receive a pension independently at the cash desk of the delivery organization (post office, credit institution, etc.;
  3. The pension can be credited to the account of a citizen in a credit institution.

To receive a pension, it is mandatory to present a passport or other identity document. If a citizen cannot independently receive a pension, a trustee can do this for him.

It is the most common type of material support for the elderly in our country. Men and women who have crossed the threshold of 60 and 55 years of age, respectively, have the opportunity to receive it. At the same time, the length of service must not be less than that established by law and the number of pension points must not be less than the minimum amount. However, a separate group of citizens may be paid an old-age pension ahead of schedule. The list of jobs, professions, industries, positions, specialties and organizations, taking into account which this benefit is assigned, is approved by order of the Government of the Russian Federation.

What is early retirement?

The conditions for receiving a pension are regulated. In accordance with it, certain groups of citizens have the right to early old age.

Previously, in the pension legislation, such provision was called preferential. It was received by doctors, teachers, artists, etc. Now, if a pension is assigned before the established age, then it is correct to call it early.

It is issued five years before the achievement of the required old-age pension, unless otherwise noted.

Conditions for registration

Early retirement pension for medical workers

For employees of budgetary organizations, the state provides all possible benefits. If the following requirements are met, employees of healthcare institutions, regardless of age, are entitled to an early medical old-age pension:

  • The duration of professional activity must be at least thirty years. If the length of service was formed only at work in rural areas and urban settlements, then more than twenty-five years.
  • For the period counted in the length of service, insurance payments must be made to the Pension Fund.

An old-age pension can be issued ahead of schedule to citizens if the position and name of the institutions in which they worked are included in a special list developed by the government of our country, since it is on this data that the employees of the Pension Fund of the Russian Federation rely when making a decision.

It should be noted that employees of private medical organizations have the same right to early registration as employees of state and municipal institutions.

Work experience is equally taken into account both with a normal schedule and with a reduced working time. As a rule, the offset of periods is made in calendar order. That is, one year of labor activity is taken as one year of experience. There are exceptions to this rule:

  • if during his professional activity a person, in addition to the city, worked both in urban settlements and in rural areas, then one year of his work in rural areas should be counted as one year and three months of experience;
  • one year of work in the city counts as one and a half years of experience for the following categories of medical workers: surgeons, anesthesiologists, resuscitators, pathologists, forensic experts;
  • when these persons work in urban settlements or rural areas, the year of their work activity is counted as one year and nine months.

The duty of medical workers, on the basis of the law of our country, is to improve their qualifications. Therefore, these periods should be included in the length of service for which an early pension is assigned.

Citizens engaged in pedagogical activities

Features of the appointment of pensions are regulated by law. Early retirement pensions are granted to teachers regardless of their age. The main thing is that the experience of professional activity should be more than twenty-five years.

When working in an organization whose name is not included in the list of pedagogical positions and institutions, this period of professional activity is not included in the length of service for assigning a pension.

Professional activity carried out in the period before September 1, 2000 is counted in the length of service, regardless of the conditions for fulfilling the norm of working time at that time. After this date - subject to the general fulfillment of the norm of working hours at the main and other places of work, established as the wage rate.

The length of service includes the time of work, periods of time for receiving payments for temporary disability, as well as annual paid holidays, including additional ones. At the same time, periods not related to the learning process (participation in conferences and seminars, advanced training courses, study holidays, unpaid leave, unauthorized absenteeism, parental leave, etc.) are not counted there. The exception is leave to care for a child under three years old, taken before October 6, 1992.

Early retirement pension for the unemployed

This status is acquired by citizens who are able to work, but do not have work and earnings, registered at the employment center in order to find a suitable job for them. Such people, subject to the necessary requirements, are entitled to an early appointment of an old-age pension.

Terms of appointment:

  • a person must have the official status of unemployed and the inability to get a job with the employment service;
  • the age of a citizen should not be younger than two years before the retirement age established for all;
  • the basis for the dismissal of a person from a previous job should be either the liquidation of the organization or the termination of activities, or the reduction in the number of staff of these employers;
  • it is necessary to have a length of service that allows you to apply for an old-age labor pension, in accordance with the Federal Law “On Labor Pensions”.

Peculiarities:

  • transfers of assigned unemployment benefits will be made until the moment of pension assignment;
  • a person has the right to choose whether or not to transfer to the early retirement plan offered to him;
  • early insurance old-age pensions can be issued simultaneously with fixed payments for length of service in accordance with the law;
  • the transfer of a pension is terminated in the event of a person going to work or when he resumes any work activity that is counted in the insurance period;
  • if the local authority of the Pension Fund refuses to apply for an early pension, the employment center is obliged to renew the official status of the unemployed and continue to search for work for the citizen.

The calculation of early old-age pension for the officially unemployed is carried out in the same way as the calculation of generally established pension payments.

Periods counted in seniority

When applying for an early pension, along with periods of work, the length of service includes:

  • the time at which payments for temporary disability were made;
  • annual paid holidays;
  • maternity leave.

Payments from pension savings funds are assigned and paid in the form of either a pension payment or.

The pension rights of citizens are formed in individual pension coefficients. All previously formed pension rights were converted without reduction into pension coefficients and are taken into account when assigning an insurance pension.

The conditions for the emergence of the right to an old-age insurance pension under general conditions are:

  • reaching the age of 65 years - for men, 60 years - for women (taking into account the transitional provisions provided for in Appendix 6 to Law No. 400-FZ). Certain categories of citizens are entitled to the appointment of an old-age insurance pension ahead of schedule;
  • for persons holding public positions of the Russian Federation and permanently occupied public positions of the constituent entities of the Russian Federation, permanently occupied municipal positions, positions of the state civil service of the Russian Federation and positions of the municipal service - the age specified in Appendix 5 to Law No. 400-FZ . Already in 2017, the process of raising the retirement age for civil servants began six months a year to 65 years (men) and 63 years (women). From January 1, 2021, the step of raising the retirement age will increase - one year per year. Thus, the retirement age for civil servants is brought into line with the proposal on the rate of increase in the generally established age for all.

    Moreover, if such persons have an insurance record of at least 42 and 37 years (men and women, respectively), the old-age insurance pension can be assigned to them 24 months earlier than reaching the specified age, but not earlier than reaching the age of 60 and 55 years (respectively, men and women ).

    • Citizens who are specified in part 1 of article 8, paragraphs 19-21 of part 1 of article 30, paragraph 6 of part 1 of article 32 of the Law N 400-FZ "On insurance pensions" and who in the period from January 1, 2019 to December 31, 2020 have reached of the age that gives the right to an old-age insurance pension (including its early appointment) in accordance with the legislation of the Russian Federation that was in force before January 1, 2019, or acquire the length of service in the relevant types of work required for early assignment of a pension, an old-age insurance pension may be appointed earlier than reaching the age or the onset of the terms provided for, respectively, in Annexes 6 and 7 to the said Federal Law, but not more than six months before reaching such an age or the onset of such terms.

  • insurance experience of at least15 years (since 2024) subject to the transitional provisions of art. 35 of the Law of December 28, 2013 No. 400-FZ;
  • the presence of a minimum amount of pension coefficients -at least 30 (since 2025) subject to the transitional provisions of Art. 35 of the Law of December 28, 2013 No. 400-FZ.

The number of pension coefficients depends on the accrued and paid insurance contributions to the mandatory pension insurance system and the length of the insurance (work) experience.

For each year of labor activity of a citizen, subject to the accrual by employers or by him personally paid insurance premiums for compulsory pension insurance, he has pension rights in the form of pensions.

The maximum number of pension coefficients per year from 2021 is 10, in 2019 - 9.13.

How many pension coefficients
can be credited to you for 2019?

Enter your monthly
wages before income tax:

Error! Enter a salary higher than the minimum wage in the Russian Federation in 2019 - 11,280 rubles.

Calculation results

Number of pension points
per year: 7.83

The option of pension provision in the system of compulsory pension insurance affects the calculation of annual pension coefficients. When forming only an insurance pension, the maximum number of annual pension coefficients is 10, since all insurance premiums are directed to the formation of an insurance pension. When choosing the formation of both insurance and funded pensions at the same time, the maximum number of annual pension coefficients is 6.25.

Citizens born in 1967 and younger who have made a choice before December 31, 2015 in favor of forming an insurance and funded pension in the MPI system, may at any time refuse to form a funded pension and direct 6% of insurance premiums to form only an insurance pension.

Also, citizens born in 1967 and younger, in favor of whom insurance premiums for compulsory pension insurance will begin to be accrued by the employer for the first time after January 1, 2014, are given the opportunity to choose the option of pension provision (to form only an insurance pension or to form both an insurance pension and a funded one) within five years from the date of the first accrual of insurance premiums. If a citizen has not reached the age of 23 years, the specified period is extended until the end of the year in which he turns 23 years old.

When choosing a pension option, it should be borne in mind that the insurance pension is guaranteed to be increased by the state due to annual indexation. The funds of the funded pension are invested in the financial market by the NPF or management company chosen by the citizen. The profitability of pension savings depends on the results of their investment, that is, there may be a loss from their investment. In this case, only the amount of paid insurance premiums is guaranteed to be paid. Retirement savings are not indexed.

For all citizens born in 1966 and older, the option of providing pensions is the formation of only an insurance pension.

Eligibility for an insurance pension depends on the year in which the insurance pension was granted.

Minimum insurance period

Minimum amount of individual pension coefficients

The maximum value of the annual individual pension coefficient

in case of refusal to form a funded pension

when forming a funded pension

2025 and later

*From 2015 to 2020, regardless of the choice of the pension option in the MPI system, all citizens have pension rights only. In this regard, the maximum value of the annual individual pension coefficient is the same for any option for forming a pension.

The old-age insurance pension is calculated according to the formula:

INSURANCE PENSION = SUM OF YOUR PENSION COEFFICIENTS* PENSION COEFFICIENT VALUE on the date of the pension award + FIXED PAYMENT

SP \u003d IPK * SIPC + FV , Where:

  • joint venture - insurance pension
  • IPK - this is the sum of all pension coefficients accrued on the date of assigning an insurance pension to a citizen
  • SIPC - the value of the pension coefficient as of the date of awarding the insurance pension.

When assigning a pension from 01/01/2019 = 87.24 rubles. Indexed annually by the state.

  • FV - Fixed payment.

Thus, the calculation of the insurance pension in 2019 is carried out according to the formula:

SP \u003d IPC * 87.24 + 5334.19

Also, the amount of your pension coefficients (IPK) significantly increases the application for the appointment of an old-age insurance pension for the first time (including ahead of schedule) after the emergence of the right to it. For each year of later application for a pension, the insurance pension will increase by the corresponding premium coefficients.

For example, if you apply for a pension 5 years after reaching retirement age, then the fixed payment will increase by 36%, and the amount of your individual pension coefficients by 45%; and if in 10 years, then the fixed payment will increase by 2.11 times, and the sum of your individual pension coefficients by 2.32 times.