Every year the FIU prepares draft indexation documents pension payments... Many are wondering if there will be an increase in the pension fund in 2019.

Indexation of pensions

In the new 2019, a new pension reform will come into force. It takes into account the increase in the retirement age by 5 years. These circumstances contribute to a change in the procedure for the payment of cash benefits to pensioners.

The insurance part will increase every year, while outstripping the inflation rate. Indexation will be carried out from the beginning of the year. The average figure for the increase in pension payments has been determined, approximately it is 1 thousand rubles.

What were alternatives to raising retirement age and why they were rejected you can read.

Only non-working pensioners with an average level of payments of 14,414 rubles for the previous year will receive such an increase. If the amount of the pension is more or less than the specified amount, then funding is adjusted up or down, respectively.

Pensioners who continue to work will not be subject to indexation. When possible and in what order it is carried out according to the law, you can find out at the link.

List of underlying reasons:

1. The economic component. Compliance with the timetable for entering a well-deserved rest determines the receipt of additional funding.
2. Encouraging citizens to stop working in a timely manner.
3. Freeing jobs for new employees.

Will the indexation of pensions for working pensioners be resumed in 2018 - see here:

On increasing the income of pensioners for the next 3 years

The average payments are 14,400 rubles. The increase is expected by 2024 up to 20 thousand rubles.

Over the next three years, it is planned to raise insurance payments:

• in 2019 to increase by 7.05%;
• in 2020 - 6.6%;
• in 2021 - 6.3%.

The increase in the social part of the pension is planned to be made according to the growth index, in 2019 - by 2.4%. The average annual payment has been calculated - 9 thousand 215 rubles, which will exceed the subsistence minimum by 4.2%. You will learn how to create a personal pension fund and save for old age in Russia.

In numerical terms: in 2019 average pension will amount to 15 thousand 400 rubles, in 2024 - 20 thousand rubles.

Are there plans to increase pension payments?

To support pensioners, federal budget expenditures are envisaged in order to regulate the level of living wage... The funds allocated from the fund are directed to social benefits.

- this is a real opportunity to provide yourself with a decent old age, interesting ideas and tips can be found in the article at the link.

An increase in pensions in the near future

The draft budget of the Pension Fund of Russia from 2019 to 2021 has been formed, which takes into account the planning for the indexation of pension payments for the near future.

The increase in pay is carried out in different time for all categories of citizens who are retirees. Thus, the indexation of pensions has been taking place for several years in a row.

But since the beginning of this year, there has been an adjustment and insurance part pensions have been increased since that time, and not since February, as it was previously accepted. As of 2019, this remains in effect, namely:

1. In January, the insurance part of pension payments will increase.
2. Social payments will increase from the beginning of the second quarter.
3. In August, payments will be recalculated for working pensioners.

The new pension reform is aimed at improving the well-being of citizens who are on well-deserved rest.

On the basis of what data and in what order is the indexation of compulsory pension insurance pensions carried out? The basic rules for such an increase in benefits can be found in this article.

Indexation of pensions: what is it in simple words?

Very often, citizens hear the news that the government has decided to index pension contributions, but what does this mean? Indexation of insurance pensions is annual increase in payments due to rising inflation. Thus, the competent state authorities calculate the rate of depreciation of the currency, the level of increase in prices for goods and services of prime importance in order to establish the amount of benefit sufficient for a month's residence. In accordance with the current legislation of the country, the material security of pensioners should not be lower than the established value of the subsistence minimum in a particular region, or in the country as a whole.

Due to the constant rise in prices for essential goods, there is a need for a regular increase in insurance payments to pensioners.
It is also worth noting that the legislation, namely Article 25 of the Federal Law No. 166-FZ, also provides for the indexation of social pensions.

How is it charged in Russia?

How is indexing done? Increase in size retirement benefits citizens is carried out on the basis of indicators of profitability of material resources to the budget of the country (for last year), the value of the subsistence minimum, which is set annually and depends on the pricing policy for products from the consumer basket. In cases provided by law, benefits may be indexed at a higher percentage than provided by law. After assessing the level of inflation in the country, the government of the Russian Federation sets the coefficient for increasing the fixed payment. So, annually from January 1, the amount of money that is summed up to the main part of the insurance benefit is subject to indexation.

In accordance with the Federal Law of December 28, 2017 No. 420-FZ, for the current year the amount of the fixed payment is:

• 4982.90 rubles when registering charges for old age and disability (2 groups);
• 9965.80 rubles when assigning an insurance pension due to complete disability (group 1). In addition, this amount is paid to citizens who have reached the age of 80;
• 2491,45 rubles when calculating payments to persons of the 3rd disability group, as well as when forming charges.

From April 1 of each year, the Government of the Russian Federation has the right to make a decision on additional indexation of cash charges. It is also worth noting that Federal Law No. 400 also provides for an increase in the fixed payment to pensioners if minors and disabled family members are dependent on them (full financial support): 30% of 4,982.90 rubles for each dependent (but no more than three) ...

Price of one retirement point (IPC), like the statutory payment amount, is subject to annual indexation. The surcharge is calculated based on the level of economic development in the country, the order of formation of consumer prices, etc. So, for 2018, the value of this indicator is 81.49 rubles. In April of this year, social pensions paid to persons who have not earned a sufficient number of years of service and individual coefficients were indexed by 2.9%. In monetary terms, this amount is 9062 rubles.

Order

Pension payments that have been indexed for the current year are assigned to pensioners automatically. In other words, citizens do not need to apply to the local FIU to calculate the increased benefits.

How to calculate percentage and amount?

How is the indexation value calculated? The percentage of increase in insurance benefits for compulsory pension insurance is calculated based on the inflation rate for the previous calendar year... So, according to official statistics, in 2017 the level of price increases for essential goods and services was 2.5%, and the percentage of increase in insurance charges was 3.7. So, according to these indicators, the size of the fixed payment for the previous year was equal to 4805.11 rubles, and for the current year - 4,982.9 rubles.

Indexation of pensions for working pensioners

How is the pension for working pensioners indexed? In accordance with Federal Law No. 400, pension accruals working citizens are subject to annual indexation. But, by law No. 385-FZ, the main normative legal act in the field of registration, calculation and payment of benefits was suspended. The adoption of such a decision is justified by the difficult economic situation in the state. Thus, from 2016 to 2020, pensioners who have not said goodbye to their place of work will be charged insurance pension excluding the percentage increase.

How to get a working pensioner?

According to Federal Law No. 385-FZ, working pensioners after dismissal have the right to accrue insurance benefits, taking into account all the increases made. For the appointment of this kind of indexed monetary amounts, a citizen has the right to apply to the local divisions of the PFR with an application for termination of employment. Clarification of the fact of dismissal is checked by an employee of a public authority on the basis of personalized accounting data.

The decision on the payment of the recalculated benefit is made by the PFR body in the next (after the establishment of the fact of termination of employment) month. The actual supplement to the received amounts of the pensioner's accruals is made 3 months after the date of dismissal.

Clause 11 of Article 26.1 of the Federal Law No. 400 it is also said that pensions for persons working outside the territory of the Russian Federation are not subject to indexation. Only after providing information proving the termination of labor relations with the employer, this category of the population can claim to recalculate benefits.
Receiving an indexed pension is not an obstacle to re-employment, and the amount of accruals received is not subject to change.

Useful video

Is the fixed payment indexed for working pensioners? This video will help you understand this issue:

The topic is actively being discussed that pensions will no longer be indexed, and that working pensioners will be canceled altogether in old age. Let us clarify right away that the overwhelming majority of these speculations are unfounded. Yes, the pension reform did not meet with support among the population, and about 90% of Russians oppose the adoption of this bill. However, the government is trying to soften the reformation process as much as possible, so no one will definitely cancel the indexation of pensions.

Pensions in 2019: what's new

Let's try to understand the issue of indexation of pensions in the coming year for employed and unemployed pensioners... These categories of citizens have already earned the right to retire and receive social benefits. However, the income of some pensioners consists exclusively of the monetary allowance assigned by the state, while for others, wages are added to the prescribed pension. Quite naturally, this puts pensioners in an unequal position, and therefore the indexation of pensions is carried out in different ways.

What 2019 is preparing for pensioners

Let's start with the basics. So, starting from January 1, 2019, the life of pensioners of Russia and citizens pre-retirement age will change as follows:

1. The retirement age is increasing. Now men will retire at 65, and women at 60. Note that the age will rise gradually, and this principle will be fully established by 20028. In addition, the appointment procedure will be revised preferential pensions and going on a well-deserved rest with a long work experience;
2. The age of granting social pensions is increasing. Such payments are due to citizens who have not been able to earn the required number of points to receive an insurance pension. Taking into account the general increase, you can apply for the appointment of such payments only after celebrating your 70th birthday for men and 65 years for women.

In general, such innovations are conceived in order to gradually equate the pension with the size of the average salary in the country. By raising the age, the government reduces the burden on the budget, and equalizes the ratio of working citizens and retirees.

Do you need on this issue? and our lawyers will contact you shortly.

What awaits retirees who continue to work

Directly in 2019, pension payments to employed citizens will be carried out unchanged. Note that the indexation of pensions does not affect working pensioners. This procedure was approved in 2016, and in the foreseeable future, the government is not going to change anything in this matter.

For the sake of fairness, it is necessary to clarify that when a pensioner ceases to carry out labor or commercial activities, he will be recalculated the salary, taking into account all indexations made during this time.

How the indexing will be carried out

Let's start with a little explanation. Indexation of pensions is a regular increase in the size of social benefits. This is done in order to neutralize the depreciation of the purchasing power of money due to inflation. Let us add that the size of the indexation is determined by the increase in prices for certain categories of goods.

Here you need to understand that the indexation invariably affects the salaries of public sector employees, student scholarships, other social benefits and payments.

Indexing steps

Consider how pensions will increase in 2019. It will look like this:

1. Insurance pension. An increase in this type of payments will take place as early as January 1, 2019, and the pension will increase by 7.05%. On the basis of this increase, an increase in pension of 1,000 rubles was promised. Let us clarify that such an allowance is not a fixed amount, and the real amount will depend on the amount of the pension received. For example, if a person receives 8,500 rubles, they will add 595 rubles;
2. Social payments. This category includes benefits, lump sum payments and other subsidies. Indexation was carried out on February 1, 2019, and the growth of this type of income will be 4.3%;
3. Social pension. As mentioned above, such pensions are received by citizens who have not managed to earn the required number of pension points and insurance experience... The indexation of this type of pension content took place on April 1, the growth was 2%.

Let's clarify that after indexing, the average size insurance pension in the country will be 15,430 rubles... Note that starting in January, the value of the retirement point will also rise to 87.24 rubles.

Indexation of pensions for working pensioners

As noted above, the indexation of pensions for this category of citizens is not envisaged to increase the size of the pension allowance. The President of the country has repeatedly stated that this issue is under consideration, but so far the moratorium, introduced in 2016, continues to operate.

As the grounds for the refusal, the head of the Ministry of Finance announced the following reasons:

1. Stable increase in the level of income of the working part of the population;
2. Regular increase in the level of wages, which generally exceeds the ongoing indexation of pensions;
3. Guaranteed recalculation after the termination of employment.

Note that, despite the lack of indexation, working pensioners fit into the general government's concept of increasing the well-being of older people. After all, the income of these citizens grows along with the increase in wages.

How will the pension for working pensioners be recalculated?

Citizens of retirement age will receive an increase in their pension by increasing the cost of the PKI - personal pension coefficient. The recalculation will be carried out without a declaration, so there is no need to contact the Pension Fund about this. This will happen in August 2019, however, the recalculation procedure itself has a number of limitations.

In particular, only the IPC earned in 2018 will become the basis for increasing the pension, and a maximum of 3 pension points will be taken into account for the calculation. Note that such an increase will affect mainly those citizens who retired in 2018. For the rest of the pensioners, a moratorium is in effect, which keeps the size of the PKI at the level that was in effect at the time of retirement.

If we talk about specific figures, the size of the increase will be 244 rubles at the maximum value.

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Last changes

In March 2019, the issue of changing the procedure for indexing the insurance pension was resolved. Now, when indexing, they will take into account the subsistence minimum of a pensioner (PMP) in the region. Those who had their pension below the PMP will be recalculated according to the new rules - the increase will be in excess of this minimum.

The recalculation will be made without a declaration and will affect about 40 million non-working pensioners. Payments will be made from 05/01/2019 to 07/01/2019.

Our experts monitor all changes in legislation in order to provide you with reliable information.

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Watch the video about minimum pension since 2019

16 January 2019, 01:10 Apr 10, 2019 12:59

One of the issues that worries many Russians on the eve of the new year is the upcoming indexation of pensions. The bill concerning the growth of their size is often discussed in the government and in the press. They also remember that a couple of years ago, indexing was not carried out in full, and earlier the amounts were increased slightly, which, of course, did not suit people. What can we expect in 2018? What is pension indexation? To whom and how much will the pensions be increased in the coming year? Let's take a closer look at this article.

Indexation of pensions, many will ask: what is it? On simple language it is an increase in payment in order to compensate for the rise in inflation.

The ministry has opened the veil of secrecy regarding the indexing of pension benefits in the coming period. The Minister of Labor Topilin, when communicating with the correspondent, said that during the planning of the budget of the Russian Federation, it was decided that the percentage of indexing in 2018 would be 3.7.

At first glance, the increase in pensions is insignificant, but, according to the Government, this figure exceeds the forecasted inflation rate of 3.2%. One IPK will be valued at almost 82 rubles.

Another great news for Russians is that pensions will be indexed from January 1, a month earlier than usual. This change will provide a noticeable increase in the level of insurance payments in a year.

The increase in the fixed part of insurance benefits will be 1.03%. Now it will be 4982 rubles 90 kopecks. Thanks to this, the average annual value of payments will grow to 14 thousand rubles. And this is one and a half times higher than the PM.

Social Pensions Increase News

Recipients of social compensation will be pleased with the fact that on April 1 there will be an increase. The increase in the size of the pension will affect everyone, regardless of employment. The indexing will be made adjusted for the PM growth index for past year... According to preliminary data, the percentage of indexing social benefits will be 4.1.

Individual pension coefficient

The calculation will be made according to the following formula:

SV = (IPK * SK) + EF

Where SV is insurance benefits, IPC is the pension coefficient calculated in points earned, SC is the cost of the coefficient, and FV is a fixed payment.

The PKI concept was introduced in 2015. The number of PKI points depends on the amount of contributions that the employer made for the employee to the FIU. And the increase in the size of the pension depends on this coefficient.

Like the fixed part, this ratio has been increasing since the beginning of January. The cost of one IPC point will be 81 rubles. 49 kopecks, that is, it will grow by 3.7%. Social aid that is already being paid is subject to recalculation against the new indicators.

Pension of working pensioners with an example of calculation

Will there be an indexation of the labor pension for people who have been officially employed so far? According to the representative office of the Ministry of Social. protection, an increase in the size of pensions for working Russians, which was suspended two years ago, is unlikely to resume earlier than 2019. In two years without increases, the amount received was almost ten percent lower than that of those who were not employed.

This fact is always fiercely discussed in the government, many consider the abolition of the indexation of pensions infringing on the rights of working pensioners. People continue to work because they are not satisfied with the amount received, but this again negatively affects the amount of aid from the state.

At the government level, there are serious discussions about defrosting indexing for at least some categories of citizens. For example, for persons serving in budgetary organizations and the poor.

Despite the lack of indexing, the increase in pensions for working older people is subject to recalculation, which takes place on August 1 and takes into account the points accumulated by the person for last year... The recalculation is carried out according to the following formula:

P2016 + (B2016 * SB) = P2017

Where P2016 is the amount received at the moment, B2016 is the points received in 2016. SB is the value of the point, it is 74 rubles. 27 kopecks if the person continues to work, and 78 rubles. 58 kopecks if he stopped working before June 1. And P2017 is the actual amount after recalculation.

The recalculation and indexation of pensions in 2017 increased pension payments by an amount of 74 rubles or more. 27 kopecks up to 235 rubles. 74 kopecks As soon as the employee stops working, the level of social. aid increases with missed indexes.

Improving the system will allow elderly Russians in 2018 to start receiving the recalculated amount in the month following the month of dismissal. Whereas earlier it took up to 3 months.

Example:

After retiring, the person continued to work and receives a salary of 17,600 rubles, therefore, in 2017 he earned an IPC equal to 2.41 points.

The increase for him is calculated as follows: 2.41 * 78.58 = 189.38 rubles. The increase in the size of the pension will take effect from 1.08.18.

Pension of non-working pensioners with an example of calculation

Whether there will be an increase in pensions in 2018 is a question that has a clear answer. According to Federal Law No. 385, payments to unemployed elderly people are required to increase every year in proportion to inflation from the beginning of February. However, in 2018, the indexation of insurance pensions will happen in January, its percentage for unemployed will be 3.7. Actually, we will analyze how to calculate the increase in pension using a specific example.

Example:

The amount paid to the pensioner was 7835 rubles. This amount is below the subsistence level, so she is entitled to social services. additional payment, with which the pension becomes 8540 rubles.

The indexed amount is calculated using the formula: 7835 * 1.037 = 8124.9 rubles. This payment is also below the subsistence level, therefore pension amount will remain the same, and will be - 8 thousand 540 rubles.

Recalculation of insurance pension

With the planned index, the average will increase to 14,200 rubles. In addition, the value of the IPC will grow to about 81 rubles. 50 kopecks, as well as the value of the fixed payment, it will be 5241 rubles. The data are still approximate, the final figures will be known after the indexation in January next year. Insurance pensions will be indexed in the usual manner.

Social pension with an example of calculation

Supporting vulnerable groups of the population through social payments is one of the main tasks of the FIU. Benefits are established for children and adults with disabilities, for citizens belonging to the small peoples of the North, for people over 65, and for people who have lost their breadwinner.

One of the important news is the assignment of social benefits to children whose parents are not identified. Until then to achieve social support, representatives of such children had to participate in court hearings. Under the new amendments to the law, all children without parental care are now equal, regardless of whether information about parents is included in the birth certificate or not.

An urgent question: how much will the social pension be added? According to available data, this type of assistance to the population will increase by 4.1% since the beginning of April 2018. According to analytical agencies social payment may well turn out to be below the PM, and the government will not be able to fix this problem until the next indexing.

Example:

The citizen is paid social compensation for the loss of the breadwinner, after the death of her father, who never officially worked. Compensation received - 5034 rubles. 25 kopecks

The new social assistance indicator will be calculated as follows:

5034.25 * 1.041 = 5240.65 rubles.

That is, the amount will increase by more than 200 rubles.

Pension of military pensioners with an example of calculation

The increase in the size of the pension of military pensioners largely depends on the monetary allowance of military personnel. Military retirees include not only the military armed forces of the Russian Federation, but also citizens who served in the National Guard, the Ministry of Internal Affairs, the Ministry of Emergency Situations, as well as the anti-drug department and employees of the judicial executive system.

the federal law No. 306 assumes an increase in monetary allowances from October 1, however, since 2013, the law has been frozen. Indexing military pension in old age, at the same time, it ceased to occur. Reliable information about the lifting of the ban on promotion labor pensions the military at the moment is not.

Military benefits only rise due to the reduction factor. From 2012 to the present, they have grown by about a third, while inflation has increased by 40 percent over the same period, and benefits do not cover it.

According to the latest data, the reduction factor will rise and the military benefits will increase by 4%. At the same time, low inflation is predicted, so this increase can be considered sufficient.

Another piece of news regarding military pensioners is a possible increase in the term of service to 25 years. Servicemen who receive payments and continue to work can qualify for and increase the old-age insurance pension. To do this, they must reach retirement age, accumulate the required IPC points and have sufficient work experience.

When a retired military man receives an old-age pension, he is not paid a guaranteed part of it, but it is indexed or recalculated, depending on whether the person works or not.

Example:

A military pensioner receives a payment of 22 thousand 150 rubles. But the reduction factor reduces its value to 15,998 rubles. If the PC increases by 4%, then the recalculation will take place according to the following formula:

22 150 * 76.25% = 16 889 rubles. 38 kopecks

Fixed payment indexation

Many retirees are wondering how much the fixed portion of pension payments will increase. Its amount is established by law and it is added to all types of deductions, except for military ones.

In January, 3.7% will be added to the PV, and its value will be 4982 rubles. 9 kopecks for old-age pensioners, disabled persons of group II and orphans. But this amount has different meanings for other categories of citizens. So, for example, people over 80 years old and disabled people of group I can count on a PV in the amount of 9,965 rubles. 8 kopecks And the disabled III group and those who have lost their breadwinner will receive a fixed share equal to 2491 rubles. 45 kopecks It is possible to index a fixed share of the pension only one item at a time.

EF is also used in the formula used to calculate the payment for the elderly dependent. One third of the amount is used for the calculation, i.e. for one person 1660 rubles, and for three 4982 rubles.

Lump-sum payment to retirees

Pensions, which were indexed with the changes in 2016, turned out to be lower than inflation by 8.9%. Since the planned additional indexation was not carried out, the ministry decided at the beginning of 2017 to pay all pensioners a one-time compensation in the amount of 5,000 rubles. The supplement was transferred to the military, working and non-working Russians along with the main payment.

As for the next year, the law does not provide for such payment. The necessary funds have been reserved in the state budget to carry out a full-fledged indexing in the new period.

Increase in the minimum wage and the size of insurance premiums in the Pension Fund

At the moment, the minimum wage established by labor legislation reaches 7.8 thousand rubles. This amount is 30% less than the PM. Therefore, at the beginning of autumn, a law was submitted for consideration to increase wages to PM, but so far the final decision has not been made. If the law is nevertheless adopted, then the minimum wage will be almost nine and a half thousand.

In addition to employee salaries, the minimum wage affects the growth of social benefits and compensations, for example, payments for sick leave... The growth of the minimum wage means that the indexation of benefits and labor pensions, which are calculated taking into account it, will occur in proportion to it.

The amount of insurance pension contributions by the organization to the Pension Fund of the Russian Federation is currently equal to 22% of income. In 2018, this indicator will remain the same, as will the contributions for medical and social services, they amount to 5.1% and 2.9%, respectively. The general rate will remain constant at 30% until at least 2020.

The maximum amount of insurance compensation will also increase to 1 million 21 thousand rubles. rubles for insurance, and up to 815 thousand rubles. with temporary disability.

After the 2015 reform, fixed payments appeared. They replaced the basic pension that was paid to the elderly. The state has undertaken to pay certain funds to pensioners on a monthly basis. depends on the decision of the government.

Indexing order

How is it calculated fixed portion of insurance pension? For this, experts have divided the elderly into several groups. There are 3 types of pension payments subject to indexation:

1. Most older people receive an old-age pension.
2. Financial assistance can be used by people who have lost their ability to work.
3. Payments can be assigned to families who find themselves in a difficult situation. The reason for granting benefits is the loss of the breadwinner. Their size is regularly indexed taking into account the inflation rate.

When the state of health improves, a person is assigned a different category of disability. In this case, you do not need to fill out an application to change the amount of payments. Before pension reform the disability benefit was divided into 2 parts: basic and variable. In 2017, when calculating benefits, specialists use a fixed amount that is paid to all users. If a person received a very low salary before the injury, then it makes sense to apply for a social pension. This will be a more profitable option, since when calculating payments, the amount of income that a person received is taken into account.

Grounds for increasing the pension

What parameters depend on fixed payment to insurance pension? When determining the amounts included in the budget, inflation and the level of economic development of the country are taken into account. The government has identified groups of citizens who can exercise the right to receive an increased pension:

1. Increase minimum size payments are made for employees who have northern experience not less than 15 years. The state-guaranteed part of the pension is increased by 50%.
2. Pensioners who have lived to be 80 years old can expect a more substantial increase in pensions. After recalculation, the amount of payments is doubled.
3. The allowance for people raising dependents is increased by 30%.

What determines the amount of state-guaranteed payments?

The government has established the minimum amount that a pensioner is entitled to receive (4805.11 rubles). The amount of payments for disabled people who were assigned the 1st disability group reached 9610.22 rubles. The guaranteed amount for the disabled of the 2nd group was 4,805.11 rubles. If there is 1 dependent, an elderly person is charged 6406.81 rubles (part 3, article 17 of Law No. 400-FZ).

The calculation of the pension for people with 2 dependents is made at a different rate. For this group of people, they amount to 8008.51 rubles. The amount paid to disabled persons with group 3 of disability is 2,402.56 rubles. Families receive the same amount if they lose their only breadwinner.

The amount guaranteed by the state for families with 3 dependents reaches 9610.21 rubles. When calculating pensions, experts take into account the age of the elderly person. For people aged 80, payments are increased to 9610.22 rubles. paid in an increased amount to persons who live on The far north.

Fixed pension insurance in 2017 year depends entirely on the amounts that business owners are required to pay. The state pays such employees 7207.67 rubles monthly. Moreover, the state makes high demands on applicants. Work experience in regions belonging to the Far North must not be less than 15 years. The amount of pensions for people who have worked in the territories equated to the conditions of the Far North, at least 20 years, reaches 6246.64 rubles. Older people are interested in factors that affect fixed amount of insurance pension.

What documents need to be submitted to the Pension Fund

First you need to fill out an application according to the sample, which can be downloaded from the website. Employees The Pension Fund must make a decision within 10 days. The applicant must make a copy of the passport in advance. The pensioner himself chooses the method of delivery of funds that is convenient for him. Money can be sent not only by mail, but also to a bank account. An elderly person has the right to issue a power of attorney for another person who will receive a pension.

The power of attorney will be valid for a year. After this period, the pensioner must confirm the fact of registration at the place of receipt of payments. There is Federal Law No. 400-FZ of 28.1213, which specifies the mechanism for calculating the amount of payments. Recipients of funds must meet the following criteria:

1. Special requirements are also imposed on seniority. The candidate must have worked for 8 years.
2. The basis for calculating a pension is reaching the appropriate age.

Insurance pension with the establishment of a fixed benefit paid at the onset of the appropriate age. People with disabilities can count on support from the state.

Why, when calculating pensions, some categories of citizens do not have a fixed part?

A separate group can be attributed to elderly people, for whom contributions to the Pension Fund were made by the state (military personnel, employees of federal departments). This category of people can receive government payments. When calculating a pension, it is necessary to take into account the conditions in which a person's service took place. The peculiarity of the military pension is that it is paid from the funds of the defense department.

How Pension Fund specialists determine the amount of pension

To determine the insurance pension, the following formula is used:

SP = IPK x SIPK x K + FV x K, where:

• PV - the amount of the fixed payment to the insurance pension;
• SIPK - the cost of the pension ball, approved by the government;
• IPK - the total number of points earned by a pensioner;
• K is the coefficient that is used when calculating fixed payments.

Important! After the reform of 2105, retirement points appeared, which began to affect the amount of benefits. The amount of payments that will receive depends on their number. old man... It is most convenient to apply for a pension in a multifunctional center located at the place of residence. is charged taking into account a special coefficient. It is intended to provide material incentives for later paperwork.

Late retirement ratio calculation

People's distrust of the existing pension system remains for enough high level... They fear that the rules for the formation of payments may change at any time. Most older people use the opportunity to receive funds from the budget immediately. To obtain the bonus coefficient, you need to postpone the submission of documents for at least 1 year. Fixed payment to insurance pension depends on the moment when the elderly person decided to apply for a pension. Applicants who have received a pension 10 years after the onset of the appropriate age can count on the maximum value of the bonus coefficient.

Assess the benefits late exit retirement can be done using the table.

How many years did a person not apply for a pension after reaching the appropriate age	The value of the coefficient used to calculate the fixed payments
1	1,056
2	1,12
3	1,19
4	1,27
5	1,36
6	1,46
7	1,58
8	1,73
9	1,9
10	2,11

How to independently calculate an insurance pension taking into account fixed payments

First, you need to determine the number of points received by the elderly person. This value depends on the level of his salary. Then we multiply the number of retirement points by their value. We add the fixed payment multiplied by the bonus coefficient to the calculated amount.

For example, the applicant's work experience was 35 years. With a monthly salary of 30 thousand rubles, the total amount of points will be:

(30,000x12x0.16) / 876,000x0.16) x10 = 4.10.

This formula contains the following indicators:

• 12 - the number of months in a year;
• 0.16 - the interest rate used to form the insurance pension;
• 876,000 is the maximum amount that is taxed.

After that, we multiply 4.10 by 35 years (total work experience) and we get 143.5 points.

Then we multiply the PKI by the point value (143.5x78.28 = 11 233.18 rubles).

To calculate the amount of pension, we add to 11,233.18 the part of payments guaranteed by the state (4805.11 rubles).

The final amount that the pensioner will receive monthly is RUB 16,038.29 If you are not sure if your pension is calculated correctly, use.

Grounds for recalculation of pension payments

In which cases fixed payment to old-age insurance pension can be increased or decreased?

There are several good reasons to know when calculating the payout amount:

• there has been a change in the number of dependents;
• the family has lost the only breadwinner;
• the increased pension is paid to pensioners who have turned 80 years old;
• the person was assigned a different disability group;
• an employee who worked in the High North moved to another area.

In certain situations, a decrease in the amount of the fixed payments may occur. This does not require an application. To achieve an increase in pension, a person must prepare a package of documents. Employees of the Pension Fund have the right to consider information received from the applicant within 3 months. If the decision is positive, the payments are recalculated.

Important! The pensioner can receive the adjusted amount starting from the 1st day of the next month. The state guarantees that the minimum amount will be paid to the elderly person. The adjustment to the fixed payments takes place on February 1st. When approving their size, the indicators of growth in the cost of the consumer basket are taken into account.

Will the state-guaranteed part of the pension for people who continue to work be indexed?

The difficult economic situation led the government to abandon the increase in the insurance pension for working pensioners. The amount of funds that the state pays out is not enough for the majority of elderly people. To improve their financial situation, they take jobs. But at the same time, fixed payments are not indexed. It is possible to compensate for the lost funds only after dismissal. In this case, employees of the Pension Fund recalculate.

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