Material support of disabled and economically unprotected citizens is the basis of the social policy of any developed state. Pensions are different and are paid in connection with the onset of various circumstances. This material will talk about pension payments and their types, in accordance with the law on pensions in the Russian Federation.

Pension fund of the Russian Federation

Pension fund specialists have all the necessary information data and calculate and also assign the following types of pension contributions to payment: insurance and state pensions. Due to the fact that the PFR closely interacts with the registry office, medical institutions and other organizations, it has all the information regarding the presence or absence of grounds for receiving the minimum pension in the Russian Federation and other pension payments.

Briefly about the pension system of the Russian Federation

At the moment, more than 42 million Russian citizens have received pensions in the Russian Federation. Most of them receive an old-age pension based on their work experience. Actually, the pension is called monthly payments assigned to specific individuals. As a rule, there are three main groups of people who receive material support from government agencies. The first group includes citizens who have reached the retirement age, the second includes people with disabilities, and the third includes disabled people who have lost their breadwinner. The last category of citizens is entitled to a social pension in the Russian Federation.

Types of pensions in the Russian Federation

In our country, there are several types of pension payments:

• labor (paid for the length of service);
• in accordance with government support;
• old age (paid upon reaching the standard age);
• due to disability;
• paid after the death of the breadwinner;
• paid for seniority;
• insurance pension(the main type of material payments for disabled persons).

Labor pension: concept, types

Labor pension is payments that a citizen receives every month as compensation for labor earnings. These payments compensate (at least in part) the amount of wages that the pensioner received at the time he was engaged in labor activity. There are three types of retirement pension: for age, for disability and for the loss of a breadwinner. For each group of citizens, their own amount of payments is assigned.

Categories of labor pension payments

Old-age pension payments are assigned to citizens at the onset of a certain age, as well as in the presence of a minimum length of service. Old-age pension is received by women from 55 years of age, and men from 60 years of age. However, there are exceptions here: for workers of some industries and representatives of certain professions, a lower retirement age is assigned, and the value of the minimum work experience is equal to five years. In this case, only the working hours when the insurance payments were made are taken into account. The amount of payments cannot be the same for all people, and therefore the calculation is always made taking into account individual circumstances.

The labor pension consists of two parts: insurance and funded. The state approves a fixed amount, which will be the basis for calculating payments. The size of pensions depends not only on the economic situation in the country, but also on the conditions in which the pensioner worked, on the length of service and the amount of monthly salary. Above we talked about minimum age, from which it is possible to calculate the old-age pension.

Who should retire early?

But some citizens, according to the Federal Law on labor pensions in the Russian Federation, it is allowed to retire early. List of professions and types of work that give the right to receive early retirement, enshrined in the law of the Russian Federation, you can find it on the website of the pension fund of the Russian Federation. Working in such industries or in difficult atmospheric conditions (for example, in the northern part of our country) requires greater physical dedication and responsibility or can negatively affect human health. In such a situation, not only the retirement age is reduced, but also the amount of experience recognized as the minimum.

Special cases of pension payments

In addition to the type of work activity, employees of the pension fund also take into account other circumstances. For example, residents Far north, mothers with many children, the visually impaired and some other categories of citizens enjoy benefits when assigning pensions. When assigning a disability pension, the payment of the insurance part is carried out only if there is a length of service. It is assigned to persons with disabilities of any group, and it does not matter when the disability was received: during the working period or after. Also, the fact of the possibility or impossibility of continuing the work is not taken into account. A citizen receiving a pension has the right to continue working and at the same time receive a pension. To assign a disability pension, a citizen must undergo a medical examination at a state institution, as a result of which he will be assigned a disability group.

Fixed payments for people with disabilities are in direct proportion to the assigned disability group. This kind retirement benefits established for a certain period (during which the disability is valid). After this period, the citizen must go through a second medical examination and confirm the diagnosis. If a citizen does not appear for a medical and social examination, then payments will be suspended. The assignment of pensions (insurance pension) for the loss of the breadwinner refers to the dependents of the deceased. This category of citizens includes: children who have not reached the age of majority, grandchildren, minor sisters or brothers of the deceased breadwinner, or they are under the age of 23 if they are studying full-time. They are the same, if they have a disability acquired before the age of majority, as well as parents, grandparents or spouses who are disabled or have reached retirement age, dependents, incapable of work. The fixed part of the survivor's benefit does not differ depending on the category. The exceptions are residents of the Far North and orphans. If a person has committed a crime as a result of which the breadwinner died, then such a person is deprived of the right to material support. In our country, there is a fairly large category of payments that are assigned without requirements for work experience.

These are payments for state pensions in the Russian Federation. They can be appointed in the following cases: upon reaching a certain age, for disability, with the loss of a breadwinner, for length of service, and also include social pensions. State support by age is assigned to persons who have suffered as a result of man-made disasters or radiation accidents. Such a pension depends on the age, status of the person, place and duration of residence, the presence of a connection between the disease and the consequences of an accident or disaster, etc. To date, such state support has been assigned to victims of the accident at the Chernobyl nuclear power plant, liquidators of the consequences of this catastrophe, evacuated citizens, persons employed in the exclusion zone, and who have received disabilities as a result of the disaster.

State pension upon the loss of a breadwinner, it is assigned to disabled family members of those killed in the following situations: in the death of a serviceman during conscription service in the army, death of cosmonauts while performing official duties, and in some other cases. The amount of pension payments in in this case differs and depends on the type of relationship, type of activity and causes of death.

Groups of persons who "deserve" additional payments

For the length of service, payments are assigned to four categories of citizens: civil servants with a civil service of 15 years; military personnel, cosmonauts, flight test personnel. The last two groups of citizens must have at least twenty years of service for women and twenty-five for men. If a citizen has left the service due to illness, then this period can be reduced by five years. What does the Law say about military pension in the RF? These payments are not provided for citizens who served on conscription. State support for disability is assigned to the following categories of citizens: victims of man-made or radiation disasters, participants in the Great Patriotic War, blockade soldiers, military personnel, astronauts. Citizens who have been assigned disability payments can engage in work without losing the assigned payments.

When can two pensions be awarded?

Simultaneous assignment of two different types pensions in the Russian Federation are possible for the following categories of citizens: persons with disabilities acquired as a result of hostilities, participants in the Great Patriotic War, residents of the besieged Leningrad, spouses and parents of military personnel who died while performing military service, families of cosmonauts who died in the line of duty ... All these citizens have the right to receive two types of pension provision: labor pension and state pension.

Social supplements

For non-working citizens, the size of this type of pension in the Russian Federation cannot be less than the subsistence minimum established in the country. If this is the case, then the Pension Fund of the Russian Federation assigns social benefits, as a result of which the pension will be equal to the amount living wage... It should be remembered that if a pensioner is working, then he cannot apply for an additional payment.

Pension payments from non-state sources

In addition to state pension payments, Russian citizens are entitled to one more type of pensions in the Russian Federation - placement of the funded part of the pension in non-state pension insurance funds. A funded pension and an insurance pension in the Russian Federation must be distinguished. This method of pension provision helps the citizen to form some part of the payments as another additional pension. In order to receive such payments, you must conclude an agreement with any non-state pension fund and pay contributions within a specified period of time. In this case, the source of funding may be the citizen's personal funds deposited into a personal individual retirement account, as well as in favor of other persons.

Employers can also make contributions for their employees. In addition, such payments are the fund's income from invested funds. A non-state pension can be assigned if a citizen has the right to pay an insurance pension. These payments can be set for an indefinite period, or they can be carried out over several years, it depends on the conditions that are spelled out in the contract. Different funds offer different programs for the formation of the funded part of the pension.

In conclusion, it should be added that minimum pension in the Russian Federation it is guaranteed to almost all categories of citizens.

2. The concept and types of retirement benefits.

Pension (from lat. pensio - payment) - this is a regular cash payment (usually it is made once at the beginning of the month), which is carried out in the manner prescribed by law to certain categories of persons from the pension fund or other sources (for example, in the case of military personnel, etc. - from the federal budget) intended for these purposes ...

The grounds for retirement benefits are various legal facts: reaching the appropriate retirement age; the onset of disability; death of the breadwinner (for disabled family members of the breadwinner); long-term performance of a certain professional activity - length of service.

At present, all pensions paid in the Russian Federation can be divided by functional purpose, sources of payment, as well as by the specifics of legal regulation into two main classes:

1) pensions for compulsory pension insurance (paid from the amounts of insurance contributions for compulsory pension insurance accumulated in the Pension Fund of the Russian Federation);

2) pensions for state pensions (financing of these pensions is made from the federal budget).

The main types of compulsory pension insurance pensions are labor and professional pensions. To labor pensions, which are established and paid in accordance with Federal law dated December 17, 2001 No. 173-FZ "On labor pensions in the Russian Federation", include:

Old age pension;

Disability pension;

Survivor's pension.

For state pensions in accordance with the Federal Law of December 15, 2001 No. 166-FZ "On State Pension Provision in the Russian Federation", the following types of pensions can be assigned:

Seniority pension;

Old age pension;

Disability pension;

Social pension;

Survivor's pension. The payment of labor pensions is carried out primarily within the framework of compulsory pension insurance, the organizational, legal and financial foundations of which are established by Federal Law No. 167-FZ of December 15, 2001 "On Compulsory Pension Insurance in the Russian Federation". In addition, compulsory pension insurance is regulated by the Constitution of the Russian Federation, the legislation of the Russian Federation on taxes and fees, as well as federal laws dated July 16, 1999 No. 165-FZ "On the basics of compulsory social insurance", dated December 17, 2001 No. 173-FZ "On labor pensions in Russian Federation"and dated April 1, 1996, No. 27-FZ" On individual (personified) accounting in the compulsory pension insurance system. "

Compulsory pension insurance is a system of legal, economic and organizational measures created by the state aimed at compensating citizens for earnings (payments, benefits in favor of the insured person) received by them before the establishment of compulsory insurance coverage. His subjects are federal government agencies, policyholders, insurers and insured persons.

The only state insurer for all types of labor pensions is Pension fund of the Russian Federation(FIU). By its civil legal status, the PFR is a state institution, and its territorial bodies constitute a single centralized system of bodies for managing compulsory pension insurance funds in the Russian Federation, in which subordinate bodies are fully accountable to higher bodies. At the same time, the state bears subsidiary responsibility for the PFR's obligations to insured persons to provide financial support for the full implementation of the accumulated pension rights of insured persons.

Along with the state insurer - the PFR - insurers for compulsory pension insurance can also be in the cases and in the procedure provided for by federal law (so far only for the formation of the funded part of the labor pension), and non-state pension funds (NPF).

The procedure for the formation of funds in these funds pension savings and their investment, the conditions for the transfer of pension savings from the Pension Fund (and vice versa), the payment of insurance contributions to funded part labor pensions in NPFs, as well as restrictions on the exercise by these funds of their powers as an insurer are established by Federal Law No. 111-FZ of July 24, 2002 "On Investing Funds to Fund the Funded Part of Labor Pension in the Russian Federation" and certain regulations of the Government of the Russian Federation.

However, despite the five-year period of implementation of the pension reform, some regulations required for effective regulation of pension savings have not yet been adopted. This is due to the fact that the legislatively established period for massive payments of pension savings begins no earlier than 2025-2037. For individual age groups For pensioners, the limited period of formation of pension savings (2002-2004) legally makes it possible to form the funded part of the labor pension starting from 2012-2013. At the same time, it should be noted that the right to inherit pension savings is provided by law at the present time.

3. Formation of pension rights of insured persons in conditions pension reform.

After the pension reform, the conditions for the formation of pension rights have radically changed. For various categories of citizens, these changes have a different focus, and the categories of insured persons themselves have undergone fundamental transformations.

In accordance with Art. 6 of the Federal Law "On Compulsory Pension Insurance in the Russian Federation", the policyholders for compulsory pension insurance are:

1) persons making payments to individuals, including:

Organizations;

Individual entrepreneurs;

Individuals;

2) individual entrepreneurs (including private detectives and notaries in private practice), lawyers.

In cases where the policyholder simultaneously belongs to several categories of policyholders, the calculation and payment of insurance premiums are made by him on each basis.

Insured persons in the FIU- these are persons who, in accordance with the law, are covered by compulsory pension insurance. The insured persons are citizens of the Russian Federation, as well as those living in the territory of the Russian Federation. Foreign citizens and stateless persons:

Those working under an employment contract or under a civil law contract, the subject of which is the performance of work and the provision of services, as well as under an author's and licensing contract;

Self-supporting work (individual entrepreneurs, private detectives, notaries in private practice, lawyers);

Members of peasant (farmer) households;

Those working outside the territory of the Russian Federation in the event of payment of insurance premiums, unless otherwise provided by an international treaty of the Russian Federation;

Members of the tribal, family communities of the small peoples of the North, engaged in traditional economic sectors;

Each insured person acquires the right to open a personalized individual personal account in the PFR personalized accounting database. This personal account accumulates the pension rights of each insured person. The conditions and procedure for the formation of pension rights of insured persons in the state system of personified accounting are strictly regulated by a special package of legislative and normative documents, among which the central place is occupied by the Federal Law "On individual (personified) registration in the compulsory pension insurance system."

In the context of the market pension reform, a transition was made from the regulatory method of accounting for the pension rights of insured persons (based on the length of service and earnings established by the legislation) to the formation of these rights based on the direct amount of insurance premiums received by the Pension Fund of the Russian Federation and timely reflected on the personal account of the insured citizen.

The transition to such a procedure for the formation of pension rights is due to the fact that the pension is now considered as an insurance payment upon the occurrence of an insured (pension) event, which, in accordance with the Law "On Compulsory Pension Insurance in the Russian Federation", is accepted by the onset of old age, loss of a breadwinner or disability. Wherein insured event the occurrence of the following risks was established: old age(men age - 60 years old, women - 55 years old), disabilities(complete or partial disability at any age and at any time, starting from birth and childhood) and loss of breadwinner(for dependents who lose their financial source of existence, also at any age and at any time).

According to Art. 8 of the Federal Law "On Compulsory Pension Insurance in the Russian Federation" insurance risk the loss by the insured person of earnings (payments, benefits in favor of the insured person) or other income in connection with the occurrence of an insured event is recognized.

Insured event the achievement of retirement age, the onset of disability, and the loss of a breadwinner are recognized.

Compulsory insurance coverage for compulsory pension insurance are:

Insurance and funded parts of old-age labor pension;

Unfortunately, over time, a person does not get younger, and sooner or later, everyone faces the question of how to live after the end of their labor activity. In our state, all categories of citizens are provided pension payments... It can be a labor or state pension. Let's talk about the last tutorial in more detail.

Types of pension payments in the Russian Federation

According to Russian legislation, there are two categories of pension payments in our country. It is a labor pension, which is a monthly payment intended to compensate for wages lost due to old age or disability. It also includes payments to minors in the event of the loss of a breadwinner. The funds for them consist of insurance contributions, which a person transferred to the Pension Fund every month, throughout his career.

The second type is state pension provision. Unlike labor pensions, they are financed from the federal budget. It should be noted that in Russia pension payments are not subject to taxation and, according to the reform carried out in 2002, are divided into two parts - funded and insurance.

When are government security pensions awarded?

If you use the terminology of the legislation of the Russian Federation, the right to state. pension arises in the following cases:

• if a person has been in the public service for a long time, which, in turn, is divided into the federal civil service and the civil service of the subjects of the federation;
• these payments are due to servicemen serving in the armed forces of the Russian Federation, employees of law enforcement services and fire safety authorities;
• people who have suffered in radiation and man-made disasters;
• disabled family members of the above categories of citizens, in the event of their death.

Like labor pensions, state pensions are assigned in several cases:

1. Pension paid for seniority.
2. Old age state pension.
3. Pension for the loss of a breadwinner.
4. Social pension.

State pension for seniority

Civil servants with at least 15 years of civil service experience or having held a federal position for at least 1 year are eligible for this allowance. A civil servant's pension can be assigned in the following cases:

1. When staff downsize federal civil servants in federal (local) government bodies or during the liquidation of government bodies formed in accordance with the Constitution of the Russian Federation.
2. Upon dismissal from positions approved by law.
3. Upon reaching the age limit allowing to fill the position of state. service.
4. If the position is found to be inconsistent, for health reasons that prevent the further continuation of the service.
5. Upon dismissal of their own accord in connection with retirement to the state pension.

The pension paid for seniority is set at 45% of the average monthly salary of a civil servant, excluding the insurance and basic parts of the labor pension. It is established and paid together with the labor pension. If the length of service in the civil service exceeds 15 years, then for each year worked in excess of this, an increase of 3% is charged, but the total amount cannot be higher than 75% of the average monthly earnings. A citizen does not receive this type of pension during the period when he holds a position in the civil service.

Accrual of pensions for military personnel

The state seniority pension is assigned to persons who have completed military service in the army of the Russian Federation or the CIS, as well as served in the internal affairs bodies, fire safety, drug control bodies, and the penal system. To calculate the pension, you must have at least 20 years of service at the time of dismissal. In this case, the pension will be 50% of the monetary allowance corresponding to the monetary allowance of the rank from which the soldier left the service. For each year over twenty years, an increase of 3% is imposed, but total amount should not exceed 85% of the monetary allowance.

Also the right to state. persons who have reached the age of forty-five, whose total length of service is more than 25 years, and at the same time not less than 12.5 is occupied by service in the above organizations. In this case, the pension will be 50% of the monetary allowance corresponding to their rank. For each year of service over 25 years, 1% of the specified allowance is charged.

Disability pension

A disability pension is accrued to citizens who served on conscription as privates, sergeants and foremen, if received during service or no later than three months after the citizen quit military service, but the disability was recognized as a consequence of a shell shock. injury or illness resulting from the service.

Pension supplements

According to the law, servicemen who have received disabilities as a result of an injury sustained during hostilities, the seniority pension can be increased within the following limits:

• disabled people of the first group - by 300% of the amount of the pension;
• disabled people of the second group - by 250%;
• disabled persons of the third group - by 175%.

If the disability is due to work, general illness or other reasons, as well as to participants in the Great Patriotic War included in the categories listed in the Federal Law "On Veterans", the pension is increased:

• disabled persons of the first group - by 250% of the estimated pension;
• disabled people of the second group - by 200%;
• disabled persons of the third group - by 150%.

In addition, an increase of 100% of the amount of the pension is due to disabled persons of group I who have reached the age of eighty years, and non-working pensioners who are dependent on disabled persons. In this case, the allowance will be 32, 64 and 100%, respectively, for one, two and three or more family members.

Old age pension

The law on state pensions includes both people who took part in the elimination of the results of the Chernobyl disaster within the exclusion zone and those who were relocated from it or left for a new place of residence voluntarily to citizens eligible for an old-age pension. The allowance is assigned after women reach 55 years of age and 60 - for men, provided that they have a work experience of at least 5 years and taking into account the reduction in the retirement age provided for by Russian legislation, depending on the length of work or residence in the above zones.

In the event of a disability, radiation injury or other diseases caused by radiation factors during the elimination of the consequences of the explosion of the Chernobyl nuclear power plant, members of their families are paid pensions for the loss of a breadwinner, regardless of their length of service.

Survivor's pension

As mentioned above, disabled persons of families of military personnel, citizens who suffered during the liquidation of the consequences of radiation disasters, as well as man-made disasters, and citizens who are astronauts have the right to receive a state pension in the event of the loss of a breadwinner.

In this case, disabled family members include:

• Children, sisters, brothers, grandchildren who are under the age of 18, provided that they are trained in educational institutions, including foreign ones located outside the Russian Federation, in full-time form, excluding institutions providing additional education... The pension is paid until they reach the age of 23, if they do not have able-bodied parents.
• A spouse or one of the parents, brother, sister, grandfather or grandmother who is unemployed, provided that he is caring for the children of the deceased who are under 14 years of age.
• One of the parents or spouse of the deceased retirement age or in the event that they are disabled. The exceptions are parents of military personnel who died during the service or as a result of a military injury.
• The grandfather or grandmother of the deceased, if their age is 60 or 55 years, or they are disabled, provided that they do not have relatives who are obliged to support them.
• Parents of servicemen who died during the service, whose age reached 55 and 60 for women and men, respectively.

State co-financing

Since 2008, a program of state co-financing of pensions has been launched in Russia. According to her, all those who applied before the end of 2014 and contributed from two thousand rubles (minimum contribution) to 01/31/2015 will double the amount of the contribution. The maximum amount for replenishing a pension account is twelve thousand rubles per year. The contributions made will be doubled at the expense of the state within ten years. It is also necessary to remember that the state provides a thirteen percent tax deduction for the entire amount deposited.

Pension provision is a state system of legal, economic, organizational and administrative measures to support and protect individuals from material insecurity due to old age, disability or loss of a breadwinner.

Pension is a guaranteed monthly cash payment to provide citizens upon reaching the age specified by the law, as well as in the event of disability, loss of a breadwinner and other cases provided for by law.

In all civilized countries, where the tradition of social responsibility of the state to the elderly has developed, the search for an effective model of pension provision is constantly being conducted. Currently, there are three such models in the world.

• 1. The distributive (solidarity) model is based on the principle of solidarity between generations, when the working population finances the payment of pensions to the non-working population, i.e. the collected insurance premiums paid by employers and citizens are entirely spent on the payment of pensions in the current period of time. The solidarity of generations, on the one hand, ensures the relative ease of managing the financial resources of the pension system, but, on the other hand, increases the dependence of this model on other socio-economic factors, mainly demographic ones. Under this model, the level of well-being of pensioners depends entirely on the economic well-being of the generation, which they cannot influence in any way. For a long time in the USSR, and then in the Russian Federation, it was the pay-as-you-go pension model that operated.
• 2. The accumulative (savings) model is based on insurance principles, when old-age pension provision is a long-term investment process, where contributions are initially paid and pension capital is built up through the return on pension investments in the economy, and only then the accumulated funds are paid in the form of pensions. With this model, the size of pensions directly depends on contributions to the respective funds for the period of employment and income from their investment. The funded system differs from the pay-as-you-go system in that it is less sensitive to the problems of population aging. Each person forms his own pension. His contributions go not to pay another's pension, but to an individual personal account.
• 3. Distribution-cumulative (mixed) model is based on a combination of distribution and accumulation components. Similar systems exist in most countries of the world.

Pension provision in Russia is based on a pay-as-you-go model and is provided through the Pension Fund of the Russian Federation.

The Pension Fund of the Russian Federation (PF RF) is a centralized fund for providing pensions to the population, created in 1990 to manage the finances of providing pensions to citizens.

The functions of the RF Pension Fund include:

accounting of insurance funds received under compulsory pension insurance;

assignment and payment of pensions;

purpose and implementation social payments certain categories of citizens: veterans, disabled people, disabled people due to military trauma, Heroes of the Soviet Union, Heroes of the Russian Federation, etc.

personalized registration of participants in the compulsory pension insurance system;

interaction with employers - payers of insurance pension contributions, collection of arrears;

issuance of certificates for obtaining maternity (family) capital;

payment of maternity capital funds;

management of funds of the pension system, incl. funded labor pension, which is carried out through state and private management companies.

Funding for payments of pensions comes from insurance contributions paid by employers. The insurance premium rate consists of a joint and several parts. Only the individual part of the tariff is reflected on the accounts of insured persons, and the joint part is used for fixed payments and for other purposes.

The basis for calculating the insurance rate for all insured persons is the annual salary before payment. For amounts over the maximum base, an insurance rate of 10% is charged, directed in full to the solidary portion.

Rice. 7.1 The structure of the insurance premium rate for persons 1966 and older and those who refused funded pension

Rice. 7.2 The structure of the insurance premium rate for persons of 1967 and younger, while maintaining the funded pension

Retirement pension is a monthly cash payment in order to compensate insured persons for wages and other payments and benefits they have lost in connection with the onset of incapacity for work due to old age or disability, and for disabled family members of insured persons - wages and other payments and remuneration of breadwinners lost in connections with the death of these insured persons.

Types of labor pensions:

• - by old age;
• - for disability;
• - on the occasion of the loss of a breadwinner.

On January 1, 2015, Russia introduced a new procedure for the formation of citizens' pension rights and pension accrual in the compulsory pension insurance system. The reform of the pension system is planned to be completed in 2025.

It was established that the rights to an insurance pension will be taken into account in pension coefficients (points), based on the level of wages (insurance premiums paid from it), length of service and retirement age.

The conditions for the emergence of the right to an old-age insurance pension are reaching the age of 60 years for men, 55 years for women, having insurance experience(i.e., the minimum length of service for paying insurance premiums) at least 15 years, the presence of an individual pension coefficient (points) of at least 30.

In 2025, the minimum total length of service for receiving an old-age pension will reach 15 years. From 6 years in 2015, it will gradually increase over 10 years - 1 year per year. Those who have less than 15 years of general experience by 2025 have the right to apply to the Pension Fund for a social pension (women at 60, men at 65).

From January 1, 2015, the minimum value of the individual pension coefficient, at which the right to an insurance pension arises, was set at 6.6, with a subsequent annual increase by 2.4 until reaching 30 in 2025.

The cost of the pension coefficient will be determined annually by federal law.

Table 7.1

Conditions for the emergence of the right to an old-age insurance pension for the period of reform

Annual individual pension coefficient = H 10

Citizens have the right to choose a pension option: with or without a funded pension. At the same time, it is important to know that having made a decision on the formation of a funded pension, a citizen reduces his pension rights to the formation of an insurance pension, and vice versa.

The new rules for calculating pensions include such socially significant periods of a person's life as military service, caring for a child, a disabled child or a citizen over 80 years old. For these so-called "non-insurance periods", special annual pension coefficients are assigned if the citizen did not work during these periods.

The formula for calculating the insurance pension is as follows:

SP = (FV Ch KPV) + (IPK Ch KPV Ch SPK), where:

SP - insurance pension in the year of granting the pension;

FV - fixed payment;

IPK - an individual pension coefficient equal to the sum of all annual pension coefficients of a citizen;

SPK - the cost of one pension coefficient in the year of granting the pension;

CPV - premium coefficients for retirement later than the generally established retirement age.

Thus, under the new rules, it will be beneficial to retire later. For each year of later applying for a pension, the insurance pension will increase by the corresponding premium coefficients.

Table 7.2

Coefficients for calculating an insurance pension with a delay in applying for its appointment after reaching retirement age

Citizens who, for whatever reason, do not have the right to a labor pension, are established social pension.

The legislation provides for the following types of social pensions: social old-age pension (for men over 65 and women over 60), social disability pension, social pension for the loss of a breadwinner.

From January 1, 2010, in order to bring the material security of the pensioner to the value of his living wage, it is envisaged to establish social supplements to the pension.

Problems (aging of society), many states are currently reviewing their pension policies.

Depending on the organization paying the pension, they divide state pension provision and private.

According to Article 2 of Federal Law No. 173-FZ of 17.02.2001 "On Labor Pensions in the Russian Federation" or the disabled family members of the insured persons have lost their labor pension due to the death of these persons, the right to which is determined in accordance with the conditions and norms established by this Federal Law. "

The concept of "State pension" in accordance with Article 2 of the Federal Law of December 15, 2001 No. 166-FZ "On State Pension Provision in the Russian Federation" is a monthly state monetary payment, the right to receive which is determined in accordance with the conditions and norms established by this Federal the law, and which is provided to citizens in order to compensate them for the earnings (income) lost in connection with the termination of the civil service upon reaching the length of service established by law when retiring to an old-age labor pension (disability); or in order to compensate for the harm caused to the health of citizens during military service, [...].

see also

Links

Official documents

• Federal Law of December 17, 2001 No. 173-FZ "On Labor Pensions in the Russian Federation"
• Federal Law of December 15, 2001 No. 166-FZ "On State Pension Provision in the Russian Federation"
• Federal Law of December 15, 2001 No. 167-FZ "On Compulsory Pension Insurance in the Russian Federation"
• Federal Law of 01.04.1996, No. 27-FZ "On individual (personified) accounting in the compulsory pension insurance system"
• Federal Law of 07.05.1998 No. 75-FZ "On Non-State Pension Funds"

Non-state legal system

• Federal Law "On the Budget of the Pension Fund of the Russian Federation for 2007"
• Federal Law "On Labor Pensions in the Russian Federation"
• Federal Law "On State Pension Provision in the Russian Federation"
• Federal Law "On Compulsory Pension Insurance in the Russian Federation"
• Federal Law "On individual (personified) accounting in the compulsory pension insurance system"
• Federal Law "On Non-State Pension Funds"

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See what "Pension security" is in other dictionaries:

In the Russian Federation, the provision of income by society for the elderly, disabled people and families who have lost their breadwinner, in the manner prescribed by federal legislation. See also: Social Security Pensions Financial Dictionary Finam ... Financial vocabulary

Legal Dictionary

PENSION PROVISION Legal encyclopedia

- (lat. pensio payment, payment) a type of social security, which is a system (in the USSR state) of monetary support of citizens for old age, disability, as well as in case of loss of a breadwinner ... Comprehensive Medical Dictionary

The form of material (monetary) security of citizens from the state or other entities in cases established by law. The grounds for P. o. on Russian law are: reaching the appropriate retirement age, the onset of ... ... Encyclopedic Dictionary of Economics and Law

pension provision- the form of material (monetary) provision of citizens from the state or other entities in cases established by law. The grounds for P. o. according to the law of the Russian Federation are: appropriate age, disability, death of the breadwinner (for ... Big Law Dictionary

PENSION PROVISION- POST RETIREMENT BENEFITS These are benefits offered by the employer to employees, including pensions, life insurance, health care costs, kindergartens, training, housing subsidies, etc. Fixed P.O. systems ... ... Encyclopedia of Banking and Finance

- (occupational pension scheme) A pension scheme covering employees of a particular industry, profession or a particular firm. Her pension funds can be either insured or self-governing, If ... ... Financial vocabulary

workplace pension- A pension system that covers workers in a particular industry, profession, or a particular firm. Its pension funds can be either insured or self-governing. If the fund is insured, payments from ... ... Technical translator's guide

This article should be wikified. Please fill it out according to the rules of article formatting. Pension system Russia is a set of legal, economic and organizational institutions and norms created in the Russian Federation ... Wikipedia

Books

• Pension security. A textbook for an academic bachelor's degree, Orlovsky Yu.P.