2017 was marked by amendments to pension legislation... The adjustments affected, first of all, the amount of payments and the procedure for their appointment for individual citizens. Consider further the new changes in pension legislation.

General information

The first changes in 2017 are related to the suspended provisions related to the indexation of amounts. They started to act again. As the Prime Minister promised, the amount of social and insurance payments will be indexed in full.

Provided changes in pension legislation for military personnel... Payments to these citizens will also be increased, but the exact amount of the increase is unknown.

From January 1, the law establishing the increase retirement age up to 63 years for women and 65 - for men, entered into force. It was assumed that these would affect only officials. However, due to the budget deficit, which is being replenished very slowly, the issue of raising the retirement age for other citizens is being actively discussed. This idea caused a wide resonance in society. The government, however, promises that active action in this direction will not be taken until 2018.

The situation in practice

Key changes in pension legislation since the beginning of 2017, the following can be noted:

• Increasing the minimum length of service.
• Raising pension ratios. They are used to assign retirement benefits old age.

After the reforms carried out in the country in 2015, the procedure for calculating the amounts has changed. Accordingly, pension contributions transferred to insurance part, began to be taken into account in the form of individual coefficients (points). When a citizen retires, they are converted into rubles.

Seniority requirements

According to Article 8 of the Federal Law No. 400, a citizen must have at least 15 years of experience and 30 points.

However, the Government decided to introduce these requirements gradually. So, the value of points from 6.6 will increase annually by 2.4. The required length of service will be increased by a year also annually.

The situation with civil servants

From 01.01.2017, Federal Law No. 143 came into effect. It significantly toughens the requirements for the retirement age. As mentioned above, for women it will be 63, for men - 65 years. At the same time, the length of service in the civil service must be at least 20 years.

These will be implemented gradually. For 2017, for retirement, women must be 55.5 years old and men 60.5 years old. Civil service experience must be 15.5 years.

An increase in the age of retirement is associated with a constant increase in population growth and life expectancy of citizens. Currently, the average life expectancy is 72 years. If the economic situation in the future develops favorably, then this figure will increase even more.

Self-Employed Tariffs

According to changes in pension legislation, contributions for the OPS (compulsory pension insurance) for citizens working "for themselves" are deducted at a fixed rate. It is determined annually based on the minimum wage.

Since July 2016 minimum size earnings amounted to 7500 rubles. Accordingly, notaries, lawyers, other private practitioners, as well as individual entrepreneurs must deduct 23,400 rubles to the PFR. for 2017

The size of the subsistence minimum

Determination of this indicator is necessary to acquire the right to receive social benefits.

As noted by the Ministry of Economic Development, the cost of the consumer basket is expected to decrease. Accordingly, the value of the subsistence minimum will also decrease. It, in turn, is closely related to the amount of pension benefits. Social supplements are intended to bring the amount of the pension in line with the subsistence level.

The law on the budget provided for the size of the subsistence allowance in the amount of 8540 rubles. Meanwhile, in the regions, this indicator varies significantly depending on different conditions, including climatic ones.

It is worth saying that regarding the size of the subsistence minimum, they apply to citizens who began to receive a pension in 2017. For the rest of the population, the payment will be the same (higher).

Lump sum payment

It was introduced due to the lack of sufficient budgetary funds for indexation. Some of the previously adopted provisions have been suspended. At the same time, the Government decided to carry out a partial indexation of pensions - by 4%. Taking into account the inflation rate, such a measure was insufficient. But there were no funds in the budget for recalculation in full.

To compensate for the losses, the Government decided to make a fixed payment in the amount of 5 thousand rubles. This amount was due to all persons who were retirees at 31 December 2016.

Implementation of these changes in the legislation of the Pension Fund was not accompanied by any difficulties. The procedure for receiving additional payments by citizens has been simplified. Pensioners did not need to apply to the FIU with an application. The payments were made on schedule from January 13 to 28. At the same time, in some cases, the issuance of compensation coincided with the receipt of a pension.

If the pension was not delivered to the house, a notification was sent to the pensioner, according to which the payment could be received at the territorial post office.

Recent changes in the pension legislation on indexation

Initially, it was established that social and pension payments to the PFR should increase every year due to a decrease in purchasing power due to an increase in the inflation rate. The indexation order is set depending on the payment:

• 1.02 - Insurance pensions are increased by the rate of inflation for the last year.
• 1.04 - social pensions are increased. Indexation depends on the rate of increase in the cost of living over the past year.

Indexation in 2016 was carried out only by 4%, while the inflation rate for 2015 was 12.9%. However, at the end of 2016, the Government promised to restore the procedure for increasing payments. To fulfill the promise, the necessary funds were included in the draft budget.

Increase in old-age pension

The labor (insurance) part of the payment is increased by indexing the cost of one pension point and a fixed payment. As of 02/01/2016, the indicators were as follows:

• Pension coefficient - 74.27 rubles.
• Fixed payment - 4558.93.

According to forecasts of the Ministry of Economic Development and the Ministry of Finance, the inflation rate was to be 5.8%. In this case, the indexation value of the PKI should be 1.058. But, according to the published data of the Federal State Statistics Service, the price index for 2016 was 5.4%.

Taking into account the indicators, he said that the retirement point would be 1.054, the size of the IPK cost - 78.28 rubles, and the fixed payment - 4805.11 rubles.

However, it was noted in the law on the PFR budget that as of April 1, 2017, the point value would be 78.58 rubles. Accordingly, a second indexation of pensions is required. Collectively, the overall increase should be 5.8%. From the first of April, as a result insurance pension increased additionally by 0.38%. The amount of the fixed payment remained the same - 4805.11 rubles.

Changes in military pension legislation

News from the State Duma does not inspire much hope for an increase in pensions for citizens who have completed their service. It should be said that the increase in security for these persons has not been carried out properly for quite some time.

The increase in pensions is due to an increase in salary, a lowering coefficient and indexation of the insurance part by the rate of last year's inflation. This procedure applies to pensioners of the Ministry of Internal Affairs, the Ministry of Emergency Situations, the Federal Penitentiary Service and a number of other departments.

Article 43 of the Federal Law No. 4468-1 provides for DD (monetary allowance) in the amount of 54%. It is applied when calculating a pension and each code must be increased by several percent until it reaches 100%. It was assumed that such a value will be established in 2035. During the last 2 years, therefore, this coefficient was equal to:

• From 1 Jan. 2015 - 62.12%.
• From 1 oct. 2015 - 66.78%.
• From February 1, 2016 - 69.45%.

However, according to Anton Siluanov, the federal budget may not be able to withstand such an increase, therefore, the issue of indexation must be dealt with carefully. Nevertheless, in 2017, military pensions were still increased due to the coefficient, which reached 72.23%.

Dmitry Khudaev, the head of the PFR branch in the Belgorod Region, spoke about how the size of the pension will change in 2016, why working pensioners will not have to go to the Pension Fund of Russia and apply for the indexation of an insurance pension, and how maternity capital will help parents raising children with disabilities.

In 2016, several changes appeared in the pension legislation that affect all participants in the compulsory pension insurance system - current and future pensioners, mothers and employers.

Will the size of the pension grow in 2016?

Yes, in 2016, insurance pensions and state pensions will be indexed by four percent. The monthly cash payment (MAP) and the set of social services will also be indexed - by seven percent (for comparison: in 2015, they were increased by five percent). Perhaps in the second half of the year the second indexation will be carried out, but the decision on this will be made after assessing the financial capabilities of the state.

Will indexation affect all retirees?

Insurance pensions will be indexed only for unemployed pensioners... The pension will be automatically recalculated for those who did not work before September 30, 2015. If a citizen worked and quit after October 1, in order to recalculate his pension, he will need to apply to Pension Fund RF. Moreover, the increase will not be taken away, even if, after indexing, he again gets a job.

Have the conditions for granting a pension changed?

To obtain the right to an insurance pension in 2016, you will need to have at least seven years of work experience and nine pension points ( retirement points are awarded for each year of work, for non-insurance periods (conscription military service, parental leave, etc.) and for deferred retirement - approx. ed.).

The retirement age remained unchanged - 55 years for women and 60 years for men (certain categories of citizens have the right to receive a pension early).

To assign a maximum pension, it is recommended to apply to the Pension Fund one month before the onset of retirement age.

Should employers expect any changes in 2016?

For employers, from the second quarter of 2016, additional monthly simplified reporting will be introduced for working pensioners. This should save employees from going to the Pension Fund and applying for the indexation of insurance pension. The FIU will receive this information immediately from employers. If they give incorrect information, then they will have to pay a fine of 500 rubles for each insured person.

They say that a moratorium on pension savings and a "freeze" of pensions are one and the same thing. Is it so?

No, this is not true. On January 1, 2016, a law came into force that extended the moratorium on the formation of pension savings. It should be understood that this is not a "freeze on pensions" and not a "withdrawal of pension savings."

There is a mixed pension system... Most of the insurance premiums of citizens go to pay pensions to current pensioners. The insurance premium rate for compulsory pension insurance is 22 percent, and earlier six percent of them went to the formation of the funded part of the pension. Now these funds will be directed to the formation of an insurance pension. So, in any case, all insurance premiums that the employer pays for his employee will go to the formation of his future pension.

Have the rules for the payment of maternity capital changed?

Payout program maternity capital extended for two years. They can be used by those who give birth or adopt a child before December 31, 2018. At the same time, obtaining a certificate and disposing of its funds are not limited in time.

Previously, maternity capital could be spent on improving housing conditions, educating children, or the funded part of a mother's pension. Since 2016, this list has increased by one point. Now the money can be used to purchase goods and pay for services for social adaptation and integration of disabled children into society. It is worth noting that in this case, you can use the funds of the mother capital at any time after the birth or adoption of the child. Acceptance of applications and supporting documents will begin immediately after the approval by the Government of the Russian Federation of the list of goods and services, as well as the rules for channeling maternity capital funds for their purchase.

Since 2016, amendments to the pension legislation have come into force, which this year have caused quite a stir in the ranks of pensioners. In particular, a number of unpopular reforms will begin to take effect, which will save budget money on the accounts of the Pension Fund, whose reserves have been severely depleted with the continuation of the protracted crisis, falling oil prices, hostilities in eastern Ukraine and Syria, and a number of other troubles. Today we'll talk about what changes await pensioners from 2019, and what senior citizens of our country should prepare for.

New procedure for calculating pensions

Since 2016, the pension legislation provides for a new procedure for calculating pensions. Several important amendments have been made that need to be familiar to people first. pre-retirement age working last years, and will soon complete their labor activity. In particular, you should pay attention to the following changes:

• from 2016, an amendment comes into force, according to which the amount of payments upon reaching the appropriate age is determined by the number of contributions to the Social Insurance Fund. From now on, the larger the amounts will be transferred in social insurance, the larger size will have a final pension;
• From January 1, only interest calculated on the official salary of each employee will be taken into account as contributions to the Pension Fund. Thus, if the employee's accruals cannot be documented, in accordance with the new procedure, they will not be calculated. The same will apply to other types of deductions, in particular: bonuses, financial incentives, bonuses, etc .;
• an important change also applies to working pensioners. Seniority remains the most important factor in calculating subsequent payments, and it will continue to be taken into account even if the employee continues to work after the official retirement age. Moreover, his pension will be increased in accordance with special coefficients;
• the introduction from 2016 of personal calculation coefficients for the accumulation of additional funds. If for some reason you are not employed, you can still count on an increase in your personal pension savings. This primarily applies to conscripts in the Armed Forces, women on parental leave, and relatives of people with disabilities caring for them. However, it should be remembered that the coefficients will only work if the person who has the basis for obtaining them is officially registered.

The calculation of pensions from 2016 will now be based on the availability of funded and insurance parts. The first one is charged quite simply: it is enough only to divide the data on the amount that are stored in the accounts by the amount of time worked. But with the insurance part of the matter, the situation is somewhat different, and the amount to be paid depends on the monetary amounts of citizens for a certain period of activity, in which the corresponding savings are allowed. In general, the new pension system requires knowledge of some facts, in particular, the following changes came into force in 2016:

• a pensioner must have a minimum insurance experience of 15 years, and it will gradually increase;
• since 2016, a point-based pension accumulation system has been in operation. It is planned that the amount of points will increase in proportion to inflation so that the elderly do not feel the depreciation of the currency;
• in accordance with the government decree, the savings of each pensioner will increase, thanks to which the elderly can be sure of receiving a decent amount of payments upon reaching retirement age.

In addition, it should be mentioned that the new rules for calculating pensions will not affect all residents of our country. Thus, the above changes will not be relevant for such categories of citizens as:

• disabled people of group I;
• persons living in settlements of the Far North;
• pensioners, whose age at the time of the entry into force of the law, exceeded the mark of 80 years.

However, there is one more important question that worries employees of many structures: will the new rules for raising the retirement age be affected? Let's figure it out further.

Will the retirement age rise?

At the end of November, a bill was introduced to the State Duma, according to which a gradual increase in the retirement age for certain categories of workers began in 2016. According to it, it is assumed that men and women will be able to retire at 65, instead of the current 60 and 55, respectively. First of all, such amendments will affect:

1. Civil servants.
2. Interior Ministry workers.
3. Military personnel.

The author of this bill is the Prime Minister of the Russian Federation Dmitry Medvedev. The reasons for this are quite simple - the decline in the birth rate in the 90s, which is why today there is a strong aging of the population. Therefore, raising the retirement age is a forced measure that will save the PFR funds. So in Russia, almost the lowest bar of termination of labor activity remains, the countries of Europe have long since switched to the practice of raising it.

In addition, the same bill provides for a gradual increase in insurance experience, which we talked about above. Since 2016, it has been at least 15 years, and by 2020 it is planned to increase it to 20 years.

Unlike maternity capital, changes in pension legislation from January 1, 2016 in Russia are quite significant. The population was explained: where will it go? accumulative part pensions and what kind of "freeze" appears on the Internet, what indexation will be pension payments and how the pension is calculated different categories pensioners.

On pensions for 2016: indexation, points and "freeze"

This year, pensions will be indexed only for officially non-working pensioners. The increase will be 4% from February 1 and will affect both insurance and permanent payments to it.

Thus, fixed payment in 2016 there will be 4.5 thousand rubles. And one retirement point will rise in price by almost 3 rubles - up to 74.27 rubles. By the way, the maximum number of points that can be accumulated this year is 7.83.

With all the indexations, the average annual old-age pension will be 13 thousand rubles.

Pensions, which are paid regardless of the pensioner's employment, will rise in price from April 1 this year by 4% as well. So, social pension the average annual will be 8.5 thousand rubles.

As in previous years, in 2016 there will also be a double indexation of pensions, but at the moment it is not reported what the percentage of indexation will be in the second half of the year. The government refers to the fact that the financial capabilities of the state are not yet known.

The pension fund claims that there will be no pensioners in the country who receive a pension less than living wage in the region. Those whose insurance pension does not reach the minimum level will receive social benefits.

Also, the pension fund will continue to pay a monthly cash payment, which will increase by 7% from February. This is the most common payment to the FIU... In addition, the size will increase. social assistance(the so-called set of social services), which is issued both in cash and in kind.

To receive a pension this year by new formula calculation, you must have at least 9 points and 7 years of experience. Official, of course.

Changes in pension legislation from January 1, 2016 in Russia did not affect the methods of applying for a pension. As in the previous year, it can be submitted both personally and through the fund's portal (personal account).

But working pensioners will receive pensions without indexation. You can go for a little trick. Quit your job, apply for reindexing, and then go back to work. As the government promises, the size of the pension will not suffer from such manipulations.

By the way, from April this year there will be no need to notify the PF about the termination of employment. This year, a simplified system for sending information to the pension fund will be introduced for employers. All data on working citizens (not only pensioners) will be updated automatically.

The Pension Fund explained to concerned citizens the so-called "freeze" of pensions. This concept has come into use since light hand journalists who had one thing in mind, but their readers understood something completely different. Meanwhile, there is no freezing. There is a moratorium on the transfer of funds to the funded part of the pension. Instead, this 6% will go to the insurance part. By the way, as noted in the Pension Fund, this method is more profitable and safer than investing pension savings in bank deposits. One cannot but agree - the speed with which cans have burst in recent years is amazing.

Changes in Russian pension legislation in 2016 did not affect the rate of contributions. It remained at 22% of wages.

In 2019 began new stage pension reform in Russia, the retirement age has been raised (up to 60 and 65 years for women and men), new rules have been introduced for calculating pension benefits, and the size of pension payments has been indexed. Any reforms worried about a huge number of Russians, some of the residents of Russia, but the pension reform will affect almost the entire population, let's figure out what awaits pensioners and those who have yet to retire, what to prepare for, what to pay attention to.

Back in 2013, the President signed a law that approved a special system of guaranteed pension savings, but this law is just a small part of a whole package of government initiatives on pension reform. Going deeper into the law, it becomes clear that in Russian Federation a two-tier system of guaranteeing the rights of insured citizens is being formed. In other words, the system consists of two components - this is compulsory pension provision + voluntary pension savings. How can these voluntary pension savings be formed? It was planned that the following sources would be involved for these purposes: various non-state pension funds and contributions from the state Pension Fund. However, the Government decided to "freeze" the funded part of the pension with the aim of transferring it to the pay-as-you-go system until 2021. In practice, it looks like this: the majority of Russian citizens had the funded part of their pension in the Pension Fund, on which interest was accrued, and since 2014 this mechanism has ceased to function.

The very concept of “ labor pension"Is gradually" erased "and remains in the past, and today" insurance pension "is used instead of this term, and the size of the old-age insurance pension depends on how many points the pensioner" earned "during his work experience. Each year these retirement points will be adjusted for inflation.

Another important aspect of the pension reform is the inclusion in the insurance experience of the period of caring for a child only up to 1.5 years, but in total no more than 6 years in total, if the woman had several children.

How will pension reform affect working pensioners?

Since 1998, there has been no legislative framework, which establishes restrictions on receiving pensions for those retirees who continue to work, having already crossed the retirement age mark and retired to a well-deserved retirement. But the government considered that these "indulgences" lead to ineffective spending of the Pension Fund and additional spending from the federal budget.

Since 2015, the government has decided to introduce certain restrictions for working citizens who receive an old-age insurance pension, plus to change the algorithm of the point system (which for many already remained incomprehensible).

1. When the accumulative part of the future pension is not formed for a pensioner who works, then when recalculating, he will be able to receive the maximum number of points no more than 3.
2. In the case of the formation of the funded part of the pension, when recalculating, the number of points will be no more than 1.875.

At a press conference at the Russian Investment Forum in Sochi in February 2019, the head of the Russian Pension Fund (PFR) Anton Drozdov told reporters that, according to his data, more than half of Russians (56%) show high level pension literacy, but young people (under 40) show an extremely low understanding of the principles and mechanisms for calculating pension points.

Slightly more than half of Russians (56%) show a high level of pension literacy. This was announced by the head of the Russian Pension Fund (PFR) Anton Drozdov at the Russian Investment Forum in Sochi. Therefore, the head of the PFR proposes to introduce into the school curriculum the study of aspects of the pension system in Russia: “We would like all educational programs the element of pension insurance has been introduced so that it is more clearly explained, this will increase interest in this product, and young people who go to work will immediately ask the right questions. "

What are "retirement points" and how does it work?

Since 2015, the reform of the Russian pension system has introduced an old-age insurance pension, which is formed using points (individual pension coefficients), which are accrued to a future pensioner for each year of his work (official). The basis for calculating the number of pension points per year is the insurance contributions that the employer officially pays for his employee for compulsory pension insurance.

The retirement score is assessed by everyone calendar year labor activity of a citizen, taking into account the annual deductions of insurance contributions to the Pension Fund of the Russian Federation. The annual pension coefficient is equal to the ratio of the amount of insurance contributions paid by the employer for the formation of the insurance part of the pension at a rate of 16% to the amount of insurance premiums with the maximum contribution-taxable wages paid by the employer at a rate of 16%, multiplied by 10.

The number of points per year is limited. For example, at the very beginning of the reform, which introduced points, the maximum value of points in 2015 when insurance contributions were sent only to the formation of an insurance pension was 7.39.

Non-insurance periods are also involved in the calculation and formation of the future pension, that is, the time when a person was forced to not work - for each such non-insurance year, a certain number of pension points are awarded:

• the period of military service on conscription - 1.8 points;
• periods of care of one of the parents for children until they reach the age of one and a half years, but not more than 6 years in total: for the first child - 1.8 points, for the second - 3.6, for the third or fourth - 5.4;
• the period of care carried out by an able-bodied citizen for a disabled person of group I, a disabled child or a person who has reached the age of 80 years - 1.8 points;
• the period of residence of the spouses of military personnel doing military service under the contract, together with the spouses in areas where they could not work due to the lack of employment opportunities, but no more than 5 years in total - 1.8 points;
• period of residence abroad of spouses of diplomats, consuls, employees of representative offices of the executive bodies of the Russian Federation, employees of trade missions and state institutions of the Russian Federation located abroad, and employees of some international organizations (the list of which is approved by the government of the Russian Federation), but not more than 5 years in total - 1 , 8 points.

If a citizen worked with the deduction of insurance contributions in one of such periods, then when assigning him an insurance pension for old age, he will have the right to choose which points to use in calculating it: for the period of work, or for the non-insurance period.

Important! Any unemployed citizen can voluntarily pay insurance contributions to the Pension Fund for himself, or any other person (not necessarily a relative or spouse) can pay such contributions for him. Such a norm was introduced by the pension reform so that citizens who do not have official employment, but who have money, could secure the right to an old-age insurance pension. However, it is possible to "buy" only half of the insurance experience required for the appointment of an old-age insurance pension.

The main disadvantages of the 2019 pension reform:

• Raising the retirement age to 60 for women and 65 for men.
• The most complicated formula for calculating a pension, almost incomprehensible even for initial stages to a common man in the street.
• Freezing the funded part of the pension.

In general, the pension reform in Russia is met in society with negative assessments, people do not fully understand the meanings and goals of reforming the pension system, and the increase in the retirement age also causes discontent, although this is a worldwide practice. We can note the unsatisfactory work of the press service and the leadership of the PFR in explaining to the population the principles and goals of pension reform.

Summing up, it can be noted that the pension system is reforming not because of a good life, but for a number of reasons, this is the demographic failure of the 90s, this is an increase in the ratio of the number of workers (and those who deduct pension contributions) to the number of pensioners. The essence of the pension reform today is that in order to receive a decent pension, you will have to work for a long time and with high official pension contributions. If, when applying for a job, you are offered a salary in an envelope, or a part-time job (to get away from taxes and pension contributions in full), you should find a more honest employer. Only a white salary, and it is necessary to check whether your employer makes contributions to the pension fund regularly! To do this, you can use your personal account on the official website of the PFR, or your personal account on the website of the State Services.