Topics are being actively discussed that pensions will no longer be indexed, and that working pensioners will generally be canceled their old-age allowance. Let's just clarify that the vast majority of these speculations are unfounded. Yes, 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 reform 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 non-working 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 allowance appointed by the state, while others have due pension wages are added. Quite naturally, this puts pensioners in an unequal position, and therefore the indexation of pensions is carried out in different ways.

What 2019 has in store for retirees

Let's start with the fundamentals. So, starting from January 1, 2019, the life of Russian pensioners and citizens before 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 increase gradually, and this principle will be fully established by 20028. In addition, the order of appointment will be reviewed preferential pensions and access to a well-deserved rest with a long working experience;
2. The age of social pensions is being raised. Such payments are due to citizens who could not 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 to 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 pensioners.

Do you need on the subject? 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 without changes. Note that the indexation of pensions does not affect working pensioners. This order was approved in 2016, and in the foreseeable future, the government is not going to change anything in this matter.

In fairness, it should be clarified that when a pensioner ceases to carry out labor or commercial activities, he will be recalculated with regard to all indexations made during this time.

How will the indexing be done?

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

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

Indexing steps

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

1. Insurance pension. The increase in this type of payment will take place on January 1, 2019, and the pension will increase by 7.05%. On the basis of this increase, an increase in the 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, 595 rubles will be added to him;
2. Social payments. Allowances, lump-sum cash payments and other subsidies can be included in this category. Indexation was made 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. Indexation of this type of pension maintenance took place on April 1, the growth was 2%.

Let us clarify that after indexing, the average size insurance pension in the country will be 15,430 rubles. It should be noted that starting from January, the cost of a pension point will increase to 87.24 rubles.

Indexation of pensions for working pensioners

As noted above, the indexation of pensions for this category of citizens does not provide for an increase in the size of the pension content. 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 grounds for 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 termination of employment.

It should be noted that, despite the lack of indexation, working pensioners fit into the general concept of the government to increase the well-being of older people. After all, the incomes of these citizens are growing along with the increase in wages.

How to calculate the pension for working pensioners

Citizens of retirement age will receive an increase in their pension by increasing the cost of the IPC - a personal pension coefficient. The recalculation will be carried out on a non-declared basis, 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 the pension increase, and a maximum of 3 pension points will be taken into account for the calculation. Note that such an increase will mainly affect those citizens who retired in 2018. For the rest of the pensioners, there is a moratorium that keeps the amount of the IPC at the level that was in effect at the time of entering a well-deserved rest.

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

Dear readers!

We describe typical ways to resolve legal issues, but each case is unique and requires individual legal assistance.

For a prompt resolution of your problem, we recommend contacting qualified lawyers of our site.

Last changes

In March 2019, the issue of changing the procedure for indexing the insurance pension was resolved. Now, when indexing, the pensioner's subsistence level (PMP) in the region will be taken into account. For those whose pension was below the PMP, it will be recalculated according to the new rules - the increase will be in excess of this minimum.

The recalculation will be made on a non-declared basis and will affect about 40 million non-working pensioners. Payments will be made from 01.05.2019 to 01.07.2019.

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

Bookmark the site and subscribe to our updates!

Watch a video about minimum pension since 2019

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

7/02/2017

Unexpected changes in the indexation of pensions for working pensioners occurred due to the introduction of new calculation mechanisms for various categories of citizens 2 years ago. It was then that Law No. 385-FZ for the first time made changes to the payment rules familiar to us and partially suspended the increase in payments for some citizens.

Until that moment, the increase in pensions was carried out annually by the PFR for everyone, regardless of their category. In 2019, indexation is based on the consumer price growth index set by the Government of the Russian Federation and only for a certain category.

Each year, such an increase varies within 5 percent and indeed, until recently, every pensioner was entitled to it.

What types of pensions are not indexed

The new rules do not affect everyone. Restriction in effect only for insurance and fixed payment To her. And besides, only for the category of workers, i.e. there will be no indexation for those who continue their labor activity, having gone on a well-deserved rest. Therefore, all working pensioners today cannot qualify for an annual increase in payments.

Since 2015, the Decree of the Government of the Russian Federation annually approves the coefficient for increasing the size of the fixed payment.

For the insurance pension, which, as we now know, is taken into account in pension points, the concept of the cost of one pension coefficient is applied. It is also annually approved by the Government of the Russian Federation.
You should know that indexed fixed payment , and herself insurance pension corrected by increasing the cost of one pension coefficient (point).

But this does not mean that the pensioner will not be able to receive the due amounts now and will lose the past indexations forever. After dismissal, he quit his job, he is entitled to payments, taking into account all the missed annual pay increase ratios.

Another thing is that such a recovery will occur not right away, and not even from the next month after the dismissal. Payments after dismissal, taking into account the new indexed amounts, are provided only three months after leaving work.

Fixed payment indexation and insurance pension adjustment

For convenience, we provide a complete table of indexation of pensions, taking into account the new approved indices for several years ahead.

Year of indexation	Fixed payment amount	Indexing percentage	Retirement point value	Adjustment factor
January 2015	3935,00	0,063%	64,10	0,0000
February 2015	4383,59	11,40%	71,41	1,1140
February 2016	4558,93	4,00%	74,27	1,0401
February 2017	4805,11	5,40%	78,28	1,0540
April 2017	4805,11	0,00%	78,58	1,0038
January 2018	4982,90	3,70%	81,49	1,0370
January 2019	5334,19	7,06%	87,24	1,0706
January 2020	5686,25	6,60%	93,00	1,0660
January 2021	6044,48	6,30%	98,86	1,0630
January 2022	6401,10	5,90%	104,69	1,0590
January 2023	6759,56	5,60%	110,55	1,0560
January 2024	7131,34	5,50%	116,63	1,0550

The amount of the fixed payment from January 2019 will increase to 5334.19 rubles. Also, Federal Law No. 350-FZ approved the cost of one pension coefficient in the amount of 87 rubles 24 kopecks for insurance pensions.

As a comparison of payments with and without work, consider an example. In the first table, an example where indexation by years is calculated for non-working pensioner after retirement. For the calculation, we took 120 pension points.

Pension indexation table


How is the pension indexed?

As can be seen from the example, the amount of the pension is indexed every year by the approved percentage, because this pensioner does not work. For a pensioner with such a score, the increase in pension from January 2019 will be about 1,000 rubles. Further, the annual surcharge will also remain within one thousand rubles.

The second table shows an example of how the amounts are calculated for working pensioner. On it, we see the cessation of indexation in connection with the introduction of the Law of December 29, 2015 No. 385-FZ. Thus, with continuous work, the pensioner receives his monthly payment at the same level.

According to the calculations, it can be seen that by 2024, for a pensioner who continues to work, the pension will be almost 2 times lower than possible.

How to determine if a pensioner is working

If the considered period of time is counted in the insurance period of the pensioner, then he is working. That is, officially employed persons, individual entrepreneurs, lawyers, clergymen, etc.

In other words, these are insured persons for whom insurance premiums are paid and reports are submitted in accordance with established forms.
Insured persons:
- working under an employment contract, under an author's order agreement, as well as authors of works receiving payments and other remuneration under agreements on the alienation of the exclusive right to works of science, literature, art, publishing license agreements, license agreements on granting the right to use a work of science, literature, arts;
— independently providing themselves with work (individual entrepreneurs, lawyers, arbitration managers, notaries engaged in private practice, and other persons engaged in private practice and not being individual entrepreneurs);
- who are members of peasant (farmer) households;
- working outside the territory Russian Federation in case of payment of insurance premiums;
- who are members of family (tribal) communities of the small peoples of the North, Siberia and the Far East of the Russian Federation, engaged in traditional economic sectors;
- clergy.

(Law of December 15, 2001 N 167-FZ)

Rules and terms for indexation of insurance pensions after dismissal

After dismissal from work, the Pension Fund will recalculate payments, taking into account the missed indices during its work. The restoration of the payment of a full (indexed) pension, taking into account the missed indexations, will not occur immediately, but only three months after the pensioner's dismissal.

A sufficiently long period of time has been set aside by legislators to confirm and process data on the fact of work on simplified forms of SZV-M from insurers, followed by the issuance of appropriate decisions on payment pension fund. And here you can not do without an example.

Consider the dismissal and indexation of a working pensioner on April 3, 2019:
1. The insured submits monthly information in the form of SZV-M (Resolution of the PFR Board dated February 1, 2016 No. 83p).
Not later than the 15th day of the month following the reporting period - month, submits about each insured person working for him, with whom contracts have been concluded, continue to operate or terminated in the reporting period (labor, civil law, copyright, etc.)

In our situation, a pensioner in April is considered to be working, despite the fact that he was fired at the beginning of the month. And for him, the employer until May 15 is still obliged to provide information about the work. A idle for the Pension Fund, it will be considered from May.

2. According to Part 6 of Article 26.1 of Law No. 400-FZ, a decision on the payment of indexed amounts is made in the month following the month in which the PFR authority received data on work.

In July (following June, in which information about the fact of work for May will be received), the Pension Fund is obliged to calculate and make a decision on the payment of amounts, taking into account the increase due.

3. The calculated amounts of the insurance pension will be paid from the month following the month in which the decision was made (Part 7 of Article 26.1 of Law No. 400-FZ).

In this way, only from August 2019 a person who retired in April will be able to receive a full pension payment taking into account the restored indices.
If, after the restoration of indexed payments, the retired pensioner gets a job again, then its size will not be reduced (part 8 of article 26.1 No. 400-FZ).

Additional payment to the pensioner for the past time after dismissal from work

Indexation of pensions for working pensioners in 2019 will not be carried out as before. But from January 1, 2018, amendments for employees came into force. Article 26.1 federal law No. 400-FZ was supplemented with new provisions for those who quit. You can check out the details.


In accordance with Law No. 134-FZ, upon termination of work, the pensioner will receive a full payment, taking into account the indexation of the fixed payment and the adjustment of the insurance pension, and also the difference between the old and new amounts for the period from the first day of the next month after the termination of work.

When is it profitable for a retiree to retire?

Let's now look at examples when it is beneficial for a pensioner to quit in order to fall under the new Law with an additional payment for the past time from 2019. To begin with, let's recall why all the same, new amounts are paid 3 months after the dismissal.

In accordance with Part 6 of Article 26.1 of Law No. 400-FZ, the decision to pay a full pension is made by the PFR in the month following the month in which information about the fact of work was received (or not received).

If a pensioner, for example, leaves in September 2018, then he will be considered unemployed for a full month only from October (the 1st month after the termination of work). Accordingly, in November (the 2nd month after the cessation of work), the PFR will not receive information about its work for October (information on the SZV-M form is submitted only for working pensioners).

In December (the 3rd month after the termination of work), the pension fund decides that from January 2019 it will be paid an indexed fixed payment and an insurance pension, taking into account the current value of the pension point.

In the considered example, the pensioner will receive new amounts from January. He will also receive an additional payment from November (the month from which he is considered unemployed).

In practice, this means that September is considered the most profitable month for dismissal of a working pensioner. After all, the increase in points is now provided from January 2019. But even if you were late with your dismissal and left your job only in October, your pension will also be indexed, but a month later.

Why is the pension not indexed after dismissal?

If, after the expiration of the period determined for making a decision on indexation, the amount has not increased, then one of the main possible causes there may be an untimely submission by the employer of monthly reports on the fact of work. Of course, the pensioner is not to blame in this case, and the law is completely on his side.

If the employer fails to provide information about the fact of work on time, or provides false information that affect the increase in pension, the size is reviewed by the Pension Fund and for the past (part 9 of article 26.1 No. 400-FZ). This means that in the event of an error in reporting, in which the increased amounts were not paid, an additional payment is also due for the elapsed time from the moment of right.

A situation may occur when incorrectly submitted information about the work affect pension increase. Employer did not submit (or did not submit on time) for a working pensioner, information about the fact of his work and the PFR, on the basis of these data, indexed the employee's pension, considering him unemployed. In this case, the Law is on the side of the pensioner, and if an error is detected, the size will be adjusted from the next month after the error is discovered, and all responsibility in this situation lies solely with the employer.

In this case, the policyholder will be responsible for the overpaid amounts of the pension, incl. subject to penalties in the amount of 500 rubles for each insured person.

Increase in pensions for working pensioners in August 2019

For working pensioners, the next recalculation will be carried out from August 2019. increase to insurance pension will be calculated on the basis of unaccounted points for 2018, which are formed from the funds deducted by the insured for their employees. Such a recalculation is non-declarative and for its implementation no need to apply to the pension fund.

Results

The new algorithm for indexing pensions after dismissal is quite confusing. Summarizing all the rules, we can say that in 2019:

1. Indexed pension amounts will still not be paid to working pensioners;
2. New amounts will be paid only three months after the dismissal;
3. Now the pensioner will receive an additional payment for the “lost” months that were not paid before;
4. The total amount of the payment upon dismissal will be indexed by as many indices as they were skipped during the work.

Save the article to your bookmarks on your page:

The new pension reform will significantly increase the size of pensions from 1 October.

Moreover, she equalize their size for all citizens who have the same insurance experience and salaries, but at the same time they completed their labor activity in different years(because of this, these people lost in the amount of payments).

Explanation from the Cabinet of Ministers:

"Now the size of pensions, if the years of insurance experience and earnings are equal, can differ by 2.5 times. Since the average salary that is used in calculating pensions has grown, and the pensions themselves have not been revised. The government proposes to correct this."

If the reform is adopted from October 1, 2017pensions will increase for 9 out of 12 million Ukrainians.Of these, according to the Prime Minister, more than 1.1 million Ukrainians will receive salaries by almost UAH 1,000 more, and another 1.3 million will receive an increase of an average of UAH 200. The rest of the mass, on average, will receive an increase in the range from 200 to 1000 UAH.

Commentary by the Prime Minister of Ukraine Volodymyr Groysman:

"We are close to making an important decision on a new pension system in Ukraine. This reform, this change is fair, and voting for it will make it possible to raise pensions for 9 million out of 12 Ukrainians from October 1."

The last time the imbalance was corrected was in 2012. But, since then, the average salary has more than doubled. Exactly because of this reasonmost Ukrainians receive a lower pension living wage(1544 UAH).

Who will not receive a pension increase

The Institute of Demography and Social Research of the National Academy of Sciences of Ukraine says that those citizens who worked for low wage rates in agriculture, at industrial facilities, in particular those where preferential service was not accrued, will not receive an increase in wages. It will also affect those who had a salary 1.5-2 times higher than average level across Ukraine.

Most likely, the lion's share of female pensioners will not receive an increasedue to less work experience, and lower salaries than men.

"Pension Formula"

Now the amount of the pension proportionally depends on the duration of the insurance period and earnings, that is, it is determined by the formula. In fact, it is calculated like this:average salarythree years before retirementmultiplied by two factors (work experience) and (the ratio of wages to the national average).

In the event that the amount is below the subsistence minimum, but you have 30 years of insurance experience (35 for men), the pension will be set at the subsistence level.

If the reform is adopted, then pensions will be increased taking into account the higher average salary. However, in this case, the insurance period coefficient will be reduced from 1.35 to 1. In such a situation, if earlier the pensioner received a salary at the level of the national average, then after the reform enters into force, it may even be below the subsistence level.

Who will get the biggest pension increase?

Most Ukrainian pensioners have at least 40 years of insurance experience, but the biggest gains will be received by those who retired before 2012 and received a high salary. It is these people who will be able to count on an increase of 600, 700 and even 1000 UAH. Under such conditions by the end of 2017, the average pension should be over UAH 2,000.

It is not yet clear whether the reform will be voted on, but Ukrainian pensioners would like to hope for more. Moreover, this scandalous increase in pensions is going to coincide with international day older people, which is celebrated all over the world on October 1st.

Dmitry Samolyuk