The branch of the PFR in the Saratov region was formed by the order of the Executive Committee of the Regional Council of People's Deputies No. 177-r of March 14, 1991 in accordance with the Resolution of the Board of the Pension Fund of the RSFSR of February 28, 1991.

As of January 1, 2019 16 Interdistrict departments OPFR in the Saratov region serve 767501 pensioners, 256093 citizens make social payments (EDV - 175225 people, DEMO - 4019 people, FSD - 76849 people).

PENSIONERS

The number of pensioners in the Saratov region as of January 1, 2019 is 767501 people, including 14,584 servicemen who have an old-age insurance pension; 145903 pensioners continue to work.

Recipients of insurance pensions - 723751 people, (14,584 of them are military pensioners), including 665,400 people for old age, 25,512 people for disability, and 32,839 people for loss of a breadwinner.

Recipients of state pension provision - 43,750 people, including: pensioners-military personnel and members of their families - 616 people, pensioners affected by radiation or man-made disasters - 1043 people, pensioners-civil servants - 1061 people, recipients of social pensions - 41008 people, pensions of test pilots - 19 people, pensioners - former people's deputies of the Russian Federation 1990-1995 and their assistants - 3 people.

The average pension in the Saratov region as of January 1, 2019 is 12,895.90 rubles.

The average size of the old-age insurance pension (the most common type of pension) -13505,80 rub.

MATERNITY (FAMILY) CAPITAL

Total for the duration of the state support program (since 2007) 136442 families received a certificate for maternity family capital regions in which at least a second child was born.

86,553 certificate holders applied for disposal of maternity (family) capital. Home improvement continues to be the top spender maternity capital. 93,500 people used it for this direction. in the amount of 36.5 billion rubles. 5,763 people sent funds to pay for educational services for children. on the total amount 337.2 million rubles. For receiving monthly payment 589 people applied from MSC funds in connection with the birth (adoption) of a second child in 2018. in the amount of 41.7 million rubles.

The size of the maternity family capital in 2019 - 453,026 rubles.

INSURED

As of January 1, 2019, the PFR Department is registered with 114382 policyholders, including 56,845 employers and 57,537 payers who pay insurance premiums for themselves.

The basic rate of insurance premiums for mandatory pension insurance in 2019 remains at the level of 22%. The maximum value of the base for calculating insurance premiums for compulsory pension insurance was 1,150,000 rubles.

The minimum pension payment in Russia is formed the same for all citizens. The main criterion in determining the amount of benefits is the subsistence minimum established in a particular region.

So in the Saratov region, the formation of pensions is carried out taking into account the district coefficient.

Who is supposed to

In accordance with current legislation, all citizens of the Russian Federation who meet the requirements can apply for a pension. Among the candidates:

• 60 summer men and 55 summer women who retired or continued to work;
• categories of workers who retired early due to difficult working conditions;
• military personnel, state federal employees;
• victims of catastrophes, man-made and radiation, as well as their relatives;
• people recognized as disabled;
• those who lost their breadwinners, orphans;
• other categories of disabled citizens;
• not having seniority throughout life.

For all citizens, pension accruals are calculated depending on the category and the length of service.

Kinds

Lifelong workers who have official confirmation of this fact can apply for an insurance pension when they go on vacation.

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While a person was busy at work, monthly or quarterly, his employer sent insurance premiums to the Pension Fund of Russia to a personal account.

Among the insurance payments:

• age;
• by disability;
• in case of loss of a breadwinner.

accrual pension payments from the state budget is made in several directions:

• reaching the age of 65 for men and 60 for women;
• military and civil servants;
• social.

How is formed

The formation of an insurance-type pension comes from the deductions by the employer to the employee's pension account of 22% of his wages. At the same time, the funds are not calculated from the salary funds, but additionally, from the budget of the organization.

From 2002 to 2013 inclusive, pension accruals could be divided at the request of their holder into insurance and funded parts of 16 and 6 percent, respectively.

The holder could transfer the funded part to non-state PF, and make a profit annually, as from a contribution. Since 2014, this opportunity has been suspended, but all savings have been saved.

Payments to pensioners from the state budget are calculated on the basis of the social pension.

For citizens who have no work experience, as well as disabled for health reasons or with restrictions, minors, a social pension is assigned.

The amount of pension payments is established by law, based on the current level of the subsistence minimum.

The size of the minimum pension in the Saratov region in 2019 from January 1

The basis for calculating the pension is living wage set for the current year. In the Saratov region, there is a tendency to underestimate this indicator in relation to the all-Russian one, which means that pension payments will be lower than the national average.

The amount of the minimum possible payments for each category of citizens is calculated differently.

old age

If the length of service and accumulated points are not enough to form benefits, then the citizen is still entitled to receive payments. For this, the base (minimum) size is set.

In the whole country, it will amount to 8726 rubles, but for residents of Saratov and the region, the obligatory part will be 736 rubles less - 7990.

For the missing funds, the state organizes additional payments, until the end of the life of the recipient as social allowances at the expense of federal funds

Citizens who have reached retirement age, but continuing to work, cannot count on any allowances.

In old age, a social pension can also be accrued. If a woman at the age of 60 or a man of 65 did not have a work experience in their entire life, then they can count on 5034.25 rubles a month.

Social

This type of security applies to certain categories of citizens:

• disabled I, II, Group III, disabled children;
• those who have lost their breadwinners (children, disabled spouses and parents, grandfathers, grandmothers, minor relatives who do not have other sources of support);
• children whose parents are unknown from birth.

The minimum social payment is also taken as a basis in the percentage established for each category of people unable to work or having restrictions.

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The pension system in the Russian Federation does not stand still, but is constantly being improved, becoming more stable and understandable. Along with this, new prospects are opening up in our country for citizens to form pension rights.

Types of pension provision

The current pension system in Russia is three levels:

• (OPS);

OPS is formed at the expense of employers' insurance premiums(insured) for themselves and their employees in the FIU. Within the framework of the OPS, several types of insurance pensions:

We can say that the OPS pension is a part of earnings deferred for the future and upon the onset of insured event.

the main insurer in the OPS system is RF Pension Fund(FIU). As for, here non-state pension funds (NPF) or management companies (MC) act as insurers. This type of pension payment is formed by the decision of the insured person.

But not all citizens, for one reason or another, can earn the right to. Such persons are assigned within the framework of state provision and support. The payment of such pension funds is carried out from the state budget.

Non-state pension provision(NGO) provides citizens with the opportunity to voluntarily form another additional pension, which is appointed on the grounds specified in the NGO agreements.

Compulsory pension insurance system

The right to a pension payment arises in the event of an insured event:

• (65 years for men and 60 years for women);

Citizens who work and pay insurance premiums to the FIU are insured persons. - This the main type of pension payments in Russia.

Annually government insurance payments. However, since 2016, indexation has been carried out only for non-working pensioners(Article 26.1 of Law No. 400 - FZ "About insurance pensions").

The OPS system also provides for measures to support people whose payment is below the subsistence level. Such a measure is intended only for non-working pensioners by establishing.

Individual (personalized) pension accounting

Since 2002, personalized accounting of pension rights has been carried out, in which all data on citizens are contained on its individual personal account.

It is to this account that the employer transfers every month insurance payments. It also contains information about the length of service, earnings and voluntary deductions of a citizen. Thus, pension rights are formed - the basis of future pension payments.

Citizens insured in the OPS system have the right to receive an extract from their personal account in order to control its condition.

Individual account number is unique and belongs to only one citizen. The document on the assignment of such a number is an insurance certificate - SNILS. It is issued once and for life.

With the help of SNILS opens several possibilities:

• receive a state benefit;
• receive a public service in electronic form;
• reduce the number of documents when receiving public services.

An insurance certificate is also required for formation of the register of citizens who have the right to receive state social services and benefits.

State pensions

Funding for pension payments state security, in contrast to the OPS, is carried out from the federal budget.

Such pensions are established for citizens to compensate them for their earnings. lost in connection with the termination of civil service upon reaching the required length of service, or to compensate for harm caused to the health of citizens during military service, as a result of exposure to radiation, in case of disability or loss of a breadwinner, as well as in a number of other cases.

A state pension payment is assigned at any time after the right to it arises. Also, for some, payment is due 2 pensions at the same time.

Types of state pensions

There are several types of state pension payments:

• For years of service. It is established, and subject to certain conditions, namely the presence of the necessary length of service in the relevant positions.
• By old age. assigned to citizens. The conditions for the emergence of the right to it depend on the category of the recipient, the nature of the work performed by him, the place and duration of his stay in the contaminated territory.
• By disability. This state pension is established in the event of disability of citizens from among, astronauts, as well as those injured at the Chernobyl nuclear power plant and awarded the badge "Inhabitant of besieged Leningrad".
• On the occasion of the loss of a breadwinner. Such a pension payment, established by the state in the event of the loss of a breadwinner, namely, a conscript, citizens exposed to radiation, astronauts and candidates for them, is assigned to disabled members of their families.
• Social pension. Paid in accordance with the norms of Law No. 166-FZ of December 15, 2001. "On State Pension Provision in the Russian Federation" if the insured person does not have the necessary insurance experience. also divided into the following types:

Non-state (additional) pension provision

As well as government measures formation of pension payments, citizens can take part yourself in increasing your future pension.

Additional pension provision is provided on a voluntary basis by concluding a depositor agreement with any non-state pension fund (NPF). List of funds that this moment carry out their activities (have a license), is given on the official website of the Central Bank.

According to such a document, within a certain period of time, a citizen will transfer the agreed amounts to his personal account.

As a rule, these contracts are concluded for pension provision such categories of citizens who are engaged in hard or dangerous work so that after retirement, payments can compensate for their work (a list of such positions is given in subparagraphs 1-18, paragraph 1, article 30 of law No. 400 "About insurance pensions").

Contracts can be concluded for such citizens early non-state pension provision, which determine the pension scheme, the procedure and conditions for the payment of non-state pensions (paragraph 2 of article 3 of the law of 07.05.1998 N 75-FZ "On non-state pension funds".

pension reform

The rules in force since the beginning of 2015 removed the funded part of the pension from the insurance and made it. Such a payment can be established both by the PFR and by non-state pension funds, if a citizen decides to form his savings in one of them.

rises the importance of insurance experience at . Also plays an important role wage level, with which insurance premiums are transferred to the FIU. The longer the length of service and the higher the salary, the greater the amount of the pension payment.

Until the end of 2015, citizens born in 1967 and younger had, namely, to form an insurance and funded pension or. For citizens who first started their labor activity after 2015, this right of choice will be granted during the first five years.

Another opportunity to increase the size of the future pension is more late exit . For each year of delayed retirement, there will be accrued multipliers for insurance and fixed payments.

Insurance and funded pension

The basis of the future insurance pension payment are those transferred by employers to the Pension Fund for their employees to their individual accounts. The rate of insurance contributions is 22% of wages. The government approves the maximum level of the contribution base every year (in 2019 - 1,150,000 rubles).

• When forming the tariff will be distributed on individual in the amount of 16%(and all donations go to insurance pension) and solidary in the amount of 6%(for financing fixed payment current retirees).
• Citizens of a certain age, namely born in 1967 and younger, can (could) choose a different way to form their future pension by deciding to deduct part of the funds for. Then the individual tariff will consist of 10% for the insurance pension and 6% for the funded pension, while the solidarity tariff will remain unchanged.

New pension formula for calculating pensions

It is important to remember that all pension rights formed before 2015 will be preserved, fixed and. If the final amount of the pension is lower than the established one, then it is left at the same level.

Individual pension coefficient (IPC)

The individual coefficient is the basis for the formation of pension rights citizens according to the new point system. Its value is different for each citizen, since the IPC is equal to the ratio of the salary of an individual person to the maximum salary from which employers pay payments to the Pension Fund.

IPC \u003d (SV / MV) × 10,

• IPK- annual individual pension coefficient;
• SW- the amount of insurance premiums for a citizen at a rate of 16% or, when forming funded pension, 10%;
• MV- the amount of contributions from the maximum taxable salary (in 2019 it is 1,015,000 rubles).

Accordingly, the higher the salary, the higher the pension coefficient. With an equal level of income, the IPC will be higher for the citizen who refused to form a funded pension.

All individual odds will be summed up. It is especially worth noting that the ICP is charged, including for some non-insurance periods, for example, conscription military service, parental leave (Article 12 of Law No. 400 "About insurance pensions").

In addition, the law establishes the maximum value of the IPC, equal to 10, but this limit will be set gradually from 7.39 in 2015 to 10 in 2021 (9.13 in 2019).

Analysis of the Russian pension system

A set of measures to reform the existing pension system since the beginning of 2015 has affected all participants. However, there was no instant solution to the accumulated problems:

• pensioners are still dissatisfied with the payment received;
• insurers - high contributions to the PFR;
• the state - by the fact that the indignation of citizens is growing, and it is becoming more and more difficult for the Pension Fund itself to collect the necessary funds to fulfill its obligations.

Citizens are somewhat bewildered when their insurance premiums are transferred by points, and the state independently sets their cost.

In addition, the economic and demographic situation in the country complicate the status quo. The number of recipients of pension payments is growing and the number of employees is decreasing, and, consequently, the number of contributors. Thus, the balance of the main principle of the current pension system, the principle of generational solidarity, is disturbed. In addition, a decrease in the income of the population adversely affects contributions to the Pension Fund.

One of the ways out of the current situation was for 5 years (that is, up to 60 and 65 years). A gradual transition to the new retirement age standards will be carried out from 2019 to 2023 with an annual increase of 1 year.

Conclusion

The laws that have been in force in our country since 2015 have brought many changes to the pension system. The main difference between the existing procedure for the formation of pension rights is their calculation in conventional units- individual coefficients. An important innovation was the indexation of pension payments only for , as well as an increase in the retirement age for insurance and social pensions.

• The current system of pension provision in Russia is three-tiered. The main share is guaranteed by the state.
• is the main type of pension in Russia. The pension rights of citizens are formed on their individual personal accounts. Each citizen is assigned a unique number, reflected in.
• Citizens who have made a choice before the end of 2015 in favor can increase the amount of their future payment by voluntarily transferring part of the funds to management company or non-state pension fund. However, in 2018 extended moratorium on the formation pension savings , that is, these funds will be directed to the insurance pension (such a measure will also be valid in 2019-2020). But in any case, all payments transferred by the employer will participate in the calculation of the amount of the future pension payment.

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Even before November 1, 2017, the Minister of Labor, Employment and Migration of the region, Natalya Sokolova, informed the population of the Saratov region that, according to the Federal Law of July 17, 1999 No. social assistance”, the leadership of the Saratov region, established the PMP (living wage for a pensioner).

According to the established subsistence minimum, the figures of which almost always become the amount of payments of the minimum pension, from January 1, 2018, the subsistence minimum in the region increased by 290 rubles, that is, according to the kind explanation of the Minister of Labour, Employment and Migration, by 3.75% .

Actions to designate the amount of minimum payments that pensioners will receive directly from the budget of the region, unlike other federal subjects, were regulated not by a separate annual resolution, but by the Law of the Saratov Region adopted on December 22, 2004. "On the procedure for establishing the subsistence minimum in the Saratov region."

On the amounts of payments and categories of citizens

According to statistical studies, and the amount of the consumer basket of a low-income pensioner taken as a basis, the PMP of the region amounted to 7990 rubles. This is for 736 p. lower than the minimum pension established in the country as a whole, so that an additional payment to the level legally established from January 1, 2018, this amount will be paid to pensioners in the Saratov region, from the federal funds allocated for this.

Federal surcharges are made in those regions where the volume of the consumer basket is an amount less than the national one established by the relevant legislative act.

Pensioner income indicators

In the Saratov region, since 2010, the level of minimum payments has been steadily set lower than the federal one.

The government paid Saratov pensioners:

• in 2015 - 961 rubles;
• in 2016 - 1571 rubles;
• in 2017–840 rubles

So, against the background of an additional payment of 736 rubles. Since January 1, 2018, in the Saratov region, there has been a certain tendency to equalize the minimum pension in the region in relation to the same indicator in general for Russian Federation. 741,689 people in the region have a legally confirmed right to receive a pension, and this figure is annually taken into account in the budget planning of the Saratov region.

Due to the fact that the minimum level is reviewed annually, according to federal laws and regional approved legislative acts, the amount of additional payments that will be made in relation to low-income segments of the population is also adjusted.

These include citizens who cannot provide for themselves upon reaching a certain age (old age), or due to objective reasons, documented.

In the Saratov region, after the calculations of the PMP, which include all the expenses necessary for a pensioner to live, the regional subsistence minimum is indicated by the amount of 7990 rubles. In general, in the Russian Federation, such a minimum amounted to 8726.

Addresses and numbers of the PFR in the Saratov region

For several years now, the difference between the federal and regional indicators has been paid by the central government, if the amount in the region is lower, and by local authorities, if the PMP determined by them is higher than in Russia as a whole.

Only non-working citizens who have no other income than a pension, and there is no way to receive additional funds by working at an enterprise or in other industries, have the right to receive such a pension.

In addition to non-working pensioners, social benefits are also received by people with disabilities who have lost their only breadwinner and some other categories (for example, foreigners who have lived in the Russian Federation for more than 15 years and have documented this).

Only non-working citizens are entitled to receive such an additional payment.

On the prospects for minimum pay recipients

The government of the Russian Federation took into account the numerous complaints of pensioners in the regions who are dissatisfied with the fact that their living wage is lower than a certain minimum in the country and began to pay extra to the federal level from the PFR (Pension Fund of Russia).

This measure led to the fact that some regions began to stubbornly receive subsidies for each non-working citizen with a minimum income level, which in general is a significant amount from the budget.

Despite this, social pensions will be indexed by 4.1% in 2018, although the indicated inflation rate was a smaller amount. After indexation, which will take place from April 1, 2018 (recall, recipients of insurance pensions have already taken such a financial measure, and not in February, as usual, but in January, without waiting for official calculations by the State Statistics Committee), it will increase and overlap last year's price growth .

Social pension

The state provides the necessary additional payments until the end of the life of the recipient, but only if he does not work anywhere and does not have other sources of income. To receive the minimum pension, the necessary package of documents is provided, which can be submitted for calculating a pension a month before the age of 60 for women and 65 for men, if they do not have the necessary work experience to receive an insurance pension.

At the request of the recipient Pension Fund Russian Federation will charge minimum pension to a bank card or pay through post offices of the Russian Post.

By Russian laws people are required to work until a certain age. Then the state takes care of their material support, taking into account the contribution to the development of society. In addition, it provides for those who are deprived of income due to disability.

So, a pension in Saratov in 2019 is due to citizens on the following grounds:

• in connection with the achievement of the age limit for compulsory participation in labor activity;
• due to disability;
• with the loss of a breadwinner.

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General issues of pension legislation

Payments are made in accordance with federal law. The pension itself is divided into several parts:

1. Basic. It is the same for all recipients and at the beginning of 2018 (before the next indexing) was 4,805.11 rubles.
2. . This part depends on the contribution of the worker to the development of society. Calculated individually.
3. . This is only available to people born after 1966. They should conclude an agreement on the redistribution of part of the contributions to savings.

In addition, applicants need to know the types of pension subsidies. They are like this:

• insurance (mainly);
• social;
• for state security (appointed to military personnel and equated specialists).

Clue: social benefit applies to the following persons:

1. disabled people who did not have official work experience;
2. who have lost their breadwinner;
3. who do not have the necessary indicators for seniority and points on an individual account from age:
   • 60 years - women;
   • 65 - men;
   • otherwise, if there are preferential grounds.

Charges in Saratov and the region

Local authorities constantly monitor information about the income of citizens, including beneficiaries. The following important indicators are monitored:

Hint: a pensioner cannot receive less than the amount of the PM.

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About surcharges in the Saratov region

Calculated by a special formula pension benefit has a small size. This caused, on the one hand, the dissatisfaction of the population, on the other hand, the need to amend the legislation. According to the Decree of the President of the Russian Federation, additional payments to the allowance from the budget are established for beneficiaries. The rules for calculating it are as follows:

• provided at the initiative of a citizen;
• size is calculated from the size of the PM:
  • by region;
  • around the country;
  • chosen by the recipient.

PM in Saratov is less than in Russia as a whole. Naturally, pensioners write an application for the appointment of an additional payment to the PM in the country. Yes, and the Fund's experts recommend choosing a large value.

For information: due to the fact that the PM indicator is set annually, the amounts payable are also reviewed.

Conditions for receiving pension benefits

To assign a subsidy from the Fund's budget, it is necessary to fall under certain conditions. They are:

1. Insurance is assigned to people:
   • certain age:
     • after the 55th anniversary of women;
     • 60th anniversary - for men;
     • otherwise, if there are preferential grounds (for example, work experience in difficult conditions);
   • disabled people;
   • having the following indicators on the individual insurance account:
     • - more than 9 years;
     • on points - more than 13.8.
2. Social - for other applicants who do not meet the criteria for experience and points:
   • after reaching the legal age (described above);
   • disabled in case of loss of a breadwinner (including children);
   • disabled people.

Hint: Pensions in Russia are also available to insured foreigners.

Application algorithm

Applicants need to collect a package of documents and submit an application to the nearest branch. The list of securities depends on the preferential right. You need to select the following documents:

1. applicant's passport;
2. SNILS;
3. testimonies of children about the birth;
4. documents of dependents (if any);
5. copy and original of the work book;
6. contracts with employers (if there is no record of this employment in the Labor Code);
7. information about earnings for 60 consecutive months;
8. preferential certificate (relevant for Chernobyl victims).

Hint: papers are allowed to be filed a month before the due date. It is advisable to consult with the specialists of the department in order to get recommendations on the selection of additional documents.

The application form is completed on the spot under the guidance of a branch worker. In it you need to specify the desired method of transferring money:

• by mail;
• to a bank card (an official confirmation of details should be provided).

List of branches of the PFR Saratov

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