How is the annual pension calculated? Pension calculator online. Pension calculation on the pension fund calculator: how is the calculation done online

Please select your rate.

Please enter your gender.

According to current legislation pension savings are not formed for citizens older than 1966 year of birth.

Please enter another value for your seniority.

Please enter your year of birth.

You must specify the salary above minimum size wages. The minimum salary in the Russian Federation in 2017 is 7,500 rubles.

In accordance with the data you entered, your length of service is, the number of pension points is . From 2025
the minimum total length of service for receiving an old-age pension is 15 years. The minimum number of coefficients earned for assigning a pension is 30. If, when filling out the questionnaire, you indicated less than 15 years of experience or the number of coefficients collected does not reach 30, you will be assigned a social old-age pension: for women at 60 years old, for men at 65 years old. The social old-age pension today is 4959.85 rubles per month. You are also entitled to a social supplement to

In accordance with the data entered for you, your length of service is, the number of pension points is . You are missing
pension coefficients or length of service for assigning an old-age insurance pension. From 2025, the minimum total length of service for receiving an old-age pension is 15 years. The minimum number of earned coefficients for assigning a pension is 30.
If in the answers to the questions you indicated the experience of less than 15 years or the number of earned IPC does not reach 30, then you
a social old-age pension will be assigned: for women at 60 years old, for men at 65 years old. Social old age pension
today - 4959.85 rubles per month. You are also entitled to a social supplement to
pensions up to the subsistence level of a pensioner (the amount depends on the region).

If you would like to receive more high pension, review your life plans so that your experience is 15 years and
more and you eventually managed to earn at least 30 pension coefficients.

Please check that the form is filled out correctly. Number of years of combining activities as self-employed
citizen and time of employment may not exceed the number of years of minimum service specified in each type
activities separately.

For increase pension payments, you should adjust your plans and work out a longer period of time so that your experience is 15 years and
more. In this case, you will be able to earn at least 30 pension coefficients.

Content

A pension is a payment made by the state to citizens who have reached old age. This type of compensation can be received by people with sufficient experience for this, and beneficiaries. For example, they can be received due to disability or loss of a breadwinner. After the reform, the state made changes to the calculation of these payments. Only the calculation of pensions for those born before 1967 remained the same.

How is your pension calculated today?

For citizens over 50 years old, the calculation of pensions for those born before 1967 is carried out in a special way. The amount consists of a mandatory fixed state part and an insurance part. The value will depend on the following factors:

  1. the person's age;
  2. number of years worked, profession;
  3. from the size of the received wages.

The procedure for calculating pensions for those born before 1967 depends on the following factors:

  1. Whether the person is a participant in the co-financing program. Financing is state support in the form of additional accruals to old-age benefits, allowing a citizen to increase personal contributions to his future funded share. Several parties can participate in co-financing: the citizen himself, the state (this is a voluntary matter and is carried out on the basis of an application), the employer (this is not necessary, but many enterprises consider this an additional motivation within the framework of the social package they provide)
  2. Does the citizen make regular payments on account of the funded part of future compensation.

Legal Framework

The calculation of pensions for those born before 1967 is regulated by federal law 400-FZ of December 28, 2013. This law discusses aspects of calculating the insurance part. Provided the following types insurance pensions: old-age insurance, disability insurance, occasional insurance. The regulatory framework also includes federal law 173-FZ “On labor pensions”, in which you can also familiarize yourself with the aspects of pension payments.

General procedure for calculating pension payments

In order for a citizen to be able to count on receiving benefits for the insurance part, the future pensioner must meet the following conditions:

  1. Men can claim compensation at the age of 60, women at the age of 55 (some categories of people may apply for old age compensation before this age).
  2. Insurance experience must be at least 15 years.
  3. Important individual coefficients by which you can calculate the IPC pension. For each period of seniority, a person is awarded a certain point (coefficient). Their sum must be at least 30.

If it is necessary to calculate the pension for those born before 1967, each condition must be considered separately. Old-age labor compensation is assigned to people who have reached the age: for men - 60 years, for women - 55 years. There are certain categories of citizens who can count on early exit, on a well-deserved rest. These include:

  1. citizens who worked in certain conditions (harmful, etc.);
  2. having certain specialties and positions;
  3. having a certain work experience, labor or insurance.

These include:

  • persons who worked in underground structures or in workshops with elevated temperatures, with particularly difficult working conditions;
  • women who worked at high intensity or operated heavy machinery;
  • railroad workers;
  • geologists, prospectors;
  • working sea and river vessels;
  • miners;
  • aviation industry workers;
  • rescuers;
  • teachers;
  • physicians working with the public.
  • mothers of many children with five children, or two or more;
  • visually impaired or injured as a result of hostilities.

Early compensation includes a preferential type of pension, which can be received by the following groups of citizens:

  1. If their activities were associated with heavy physical labor or work in adverse conditions.
  2. If the work was carried out in the conditions of the Far North or in an area equated to the same.
  3. If the working conditions included a certain deadline, after which, regardless of age, it was time to go on a well-deserved rest.

Individuals who raise children alone can count on the insurance share. If the sole breadwinner had a certain period of work, then the insurance share is also charged. To apply for any type of old-age benefit, you must confirm that the breadwinner is absent or deceased by providing a death certificate or a court decision declaring missing.

Seniority

The second condition for receiving insurance benefits is the length of service. These are periods of time during which a person made contributions to the Pension Fund. There are two types of insurance experience:

  1. ordinary- this is a type of experience when contributions to the PF are made by citizens working for normal conditions labor;
  2. special- unlike the usual, this experience characterizes the type of work in special (for example, harmful or dangerous) conditions.

Work experience until January 1, 2002

The length of service until January 01, 2002 is calculated in calendar order according to the actual duration of each period. Personal storage papers will become confirmation of the fact of work, military service or the period of child care, and for calculating the insurance part. What should a person submit to the fund:

  1. work book;
  2. employment contracts;
  3. salary certificates for five consecutive years of work until 01.01.2002;
  4. military ID;
  5. birth certificate of the child;
  6. Marriage certificate.

Only if the fund has these documents, he can count on the timely appointment of a pension in the prescribed amount. To account for hours worked since 2002, an individual personal account with a permanent insurance number must be opened in the Pension Fund for each insured citizen. In it, civil servants are required to reflect:

  • data on the periods of labor activity;
  • information on wages up to 01.01.2002;
  • amounts accrued and paid by the employer or personally insured person of insurance premiums.

Accounting for hours worked since 2002

Information about the periods of work and salary until 2002 in the Pension Fund is provided by the employer in 2003-2004. If during these periods a person did not work or the employer provided incomplete or inaccurate information, then the fund will not have the necessary information. If the insured person doubts that all the information has been provided, then you can always apply and provide the missing information about the length of service and salary until 2002. The following periods are taken into work experience:

  1. army, service in the police department;
  2. service in the bodies and institutions of the criminal correctional system;
  3. receiving social benefits for temporary disability (decree);
  4. caring for a child up to 1.5 years;
  5. registration for unemployment;
  6. redirection of a civil servant for employment in another locality;
  7. participation in public works;
  8. exile or stay in prison or colony;
  9. caring for a disabled person;
  10. from the attainment of a citizen of 80 years.

What periods are included in the length of service

Based on the law, the minimum insurance period increases every month. In 2015 it was 6 years, in 2019 it will be 9 years, and in 2025 it will be 15 years. If, upon reaching old age, the minimum number of years has not been worked out, then the insurance compensation for old age will not be accrued. The insurance period is determined by entries in the work book showing the period of official employment of the employee.

If the employee’s work book is lost or some records are missing, then the following documents will confirm the experience:

  1. employment contracts;
  2. certificates issued to the employee at previous places of work;
  3. extracts from orders (for example, orders for admission and dismissal);
  4. personal accounts of the employee;
  5. pay slips.

Since 2019, innovations have come into effect for calculating pensions for those born before 1967 using new formulas. By law, people who have worked for 35 years are eligible for additional pay. And for those who have worked (officially) for more than forty years (40 years for women, 45 for men), upon entering a well-deserved rest, the state will pay an even larger bonus.

The third condition for receiving insurance benefits is individual coefficients. This is the number of points earned for 12 months or those periods that are included in the length of service. These coefficients are calculated depending on the salary of a person, subject to his official employment. The higher the salary, the higher the rates. The main condition is that before entering a well-deserved rest, the coefficients should not be less than 30.

Based on the law "On Insurance Pensions", increasing requirements for the minimum pension coefficient have been established. If from January 1, 2015, old-age insurance compensation is assigned if there is a coefficient of at least 6.6, then with a subsequent increase in the coefficient annually by 2.4 by 2025. maximum size it will be 30.

All periods will be included in the length of service if they had labor activity lasting at least one working day, during which deductions to the Pension Fund took place. Coefficient increase scheme in the table:

year of retirement

Minimum coefficient

from 2025 and later

Pension for those born before 1967

The Government of the Russian Federation in 2019 is actively pursuing pension reform. The calculation of the pension for those born before 1967 consists of three shares. It:

  1. base share;
  2. Cumulative share;
  3. insurance.

Basic part

Basic is a fixed compensation that every person who has reached old age receives, regardless of the length of service. Effective January 1, 2002, the final base rate was set at 450 rubles per month. This amount is due to all citizens who have reached old age and have a work experience of more than 5 years. Its size is affected by the age of the person.

Accumulative part of pension provision

This share is available only to those citizens who were born before 1967 and are members of the TSO. It is formed if in the period from 2002 to 2004. paid monthly by the employer insurance premiums on the accumulative share of labor activity in the amount of 6% of wages. It is formed on a voluntary basis for the participants of the Program state co-financing pensions and persons who directed funds from maternity (family) capital to. The total amount going to the funded share should not exceed 463,000 rubles per year.

On the basis of the federal decree, paragraph 11 of Art. 31 "On investing funds to finance the funded part of the labor payment in Russian Federation» insured persons born before 1967, who entered into an agreement on compulsory pension insurance and applied for transfer to a non-state fund (NPF), submit an application for refusal to finance the funded part and send the insurance part for financing in the amount of 6 percent of the individual part insurance premium rate.

Citizens can find out about their savings in the Pension Fund of the Russian Federation by writing an application in the prescribed form. State security payments, in accordance with paragraph 2 of Art. 217 of the Tax Code of the Russian Federation, are not subject to taxation, are not taken into account in the calculation of personal income tax, with the exception of payments if an individual has voluntary insurance of the funded part.

insurance pension

It includes the entire length of service accumulated by 2002, the amount of wages and a special coefficient. Let us analyze the methodology for calculating the insurance share, which should be calculated according to the following algorithm:

  • SP \u003d PB * CB * PC1 + FV * PC2, where:
    • SP is the amount of funds calculated for the payment of an insurance payment;
    • PB - points accumulated over time;
    • Central bank - the price for 1 point established at the time of calculations;
    • PC1 and PC2 are increasing premium coefficients for entering a well-deserved rest at a later period;
    • PV - fixed amount

The procedure for applying for a pension

Learn about the procedure, how to apply for a pension, where to apply, and what papers are needed for this. It is recommended to start making payments in advance in order to have time to fully prepare the papers. With a full package, you must contact the authorized body for the calculation and payment of benefits. Exists step-by-step instruction to calculate the payment and provide documents to the FIU. The full list of documents is given below.

Document submission deadlines

The second step is to submit documents to the Pension Fund of the Russian Federation. After the collection, at any time after reaching old age (for women, the age should be 55, for men - 60 years or more), you must contact the Pension Fund of your region to assign and calculate the amount of payments. Then the calculation of the payment for those born before 1967 starts from the date of submission of the application with a full set of documents.

Where to apply

If the Pension Fund requests the provision of additional information, then the specialist accepting the documents does not have the right to refuse to submit the application. The applicant must submit the missing information within 3 months. If the deadlines are met, then compensation will be accrued from the date of application. If the deadline is missed, then it will be necessary to submit the full package of documents again, and the date for applying for the purpose of payment has been changed. The application to the fund must be considered within 10 days from the date of submission of the full package of papers.

After calculating the payment, the moment of its receipt is important. If all the documents are executed correctly and submitted on time, the amount will be calculated and issued on the 10th day. If the pensioner submitted the details of a bank card or account, then the payment is made to it, on the 10th day, and there is no need to apply anywhere. When receiving money by mail, there may be delays of 1-3 days required for the processing of a new application by the postal service. If the amount is less living wage(it is 10-11 thousand rubles), contact the Pension Fund.

The last step applies to those citizens who, after taking a well-deserved rest, continue to work. For them there is a recalculation of payments. It is necessary to submit to the Pension Fund a certificate from the place of work on the accrued wages for the year and the insurance compensation paid, fill out and submit the corresponding application to the fund employee. It will be reviewed within 10 days. Each person chooses for himself whether to work or immediately after the onset of old age to go on a well-deserved rest.

What documents need to be provided

The first step is the preparation of documents. There is the following list of papers:

  1. a passport for citizens of Russia or a residence permit for citizens of foreign countries;
  2. all forms about study and education;
  3. in the original and copies - a work book;
  4. if necessary, certificates from the employer may be required;
  5. insurance certificate (SNILS);
  6. marriage certificate;
  7. a certificate confirming the place of residence and the existing composition of the family;
  8. copies of documents confirming the identity of dependents;
  9. certificate of the average salary of the employee at the last place of work;
  10. details of the banking institution that will deliver the payments;
  11. application to the Pension Fund;
  12. certificate of average monthly salary until 01.01.2002 for 60 consecutive months;
  13. a certificate stating that no other type of payment has been assigned to the person.

How to calculate your pension

Each person who goes on a well-deserved rest can calculate the pension on his own, knowing the formulas and parameters for calculating it. It is possible to make an online calculation, there are also calculators. If you yourself cannot make the calculation, you can contact the Pension Fund to learn how to calculate or request information about future income.

General formula

The formula for the calculation will look like this:

  • P \u003d FV + LF + MF, where
    • PV - fixed share (basic);
    • LF - cumulative share;
    • SC - insurance share.

The procedure for determining the insurance part

The fixed share is set by the state. Each citizen has his own savings share. Therefore, we need to know how the insurance share is calculated. There is a calculation principle for this:

From this formula, we do not know the value of the pension capital, which must be calculated in a new way. The capital is made up of the values ​​of conditional pension capital (CPC) and estimated payment (RP). Calculated according to the formula:

  • RP \u003d SK * ZR / ZP * SZP, where:
    • SC is the coefficient for the worked experience. It is equal to 0.55 (for men, whose experience is 25 years, for women - experience of 20 years). For each year worked in excess of the length of service, 0.01 is charged, although this indicator should not be more than 0.75.
    • ZR / ZP is the ratio of wages to the average earnings in the country. Its level should not be more than 1.2.
    • SZP - the average wage is calculated by the Pension Fund in the amount of 1671 rubles.

After calculating the estimated payment, you can find out the amount of conditional capital:

  • CPC \u003d RP - BC / T, where RP is the estimated compensation, BC is the base part, T is the estimated time of payment, measured in months.

To calculate the insurance part, we only need to know the value of PC1, which can only be found in the Pension Fund of the Russian Federation (PFR). When you know all the data, you can calculate the insurance share, and as a result, calculate what benefits you can count on when you go on a well-deserved rest. Every year the state raises pensions. This is affected by indexation and inflation. Indexation is an increase in the amount of payments that is made annually.

Calculation example

Citizen Sidorov Ivan Sergeevich, born in 1956, can retire in 2016. The work experience of a citizen is 29 years. His monthly salary was 1700 rubles. It is necessary to consider step by step the calculation of the pension:

  1. First you need to calculate the coefficient of experience. For 25 years of experience, the coefficient is 0.55, for each next year goes by increase 0.01. The final rate of a citizen will be 0.59 points.
  2. Divide the salary by the average salary, i.e. 1700:1671 = 1.02.
  3. Substitute these figures into the formula (see above) and find the pension capital ratio: 1.02 x 1671 x 0.60 - 450 (fixed payment in 2002) x 228 (approximate number of months of compensation) = 130564.66. This is how the capital for 2002 is calculated.
  4. Every year the government indexes pensions, because of this it is necessary to multiply the resulting number by the total coefficient: 130564.66 x 5.6148 \u003d 733094.45 - this is the amount of Ivan Sergeevich's pension capital by 2019.
  5. A small allowance is made for the post-Soviet period of work from 1991 to 2002, it is equal to 0.1 of the amount of capital and amounts to 73309.45.
  6. To all these allowances, you must add the amount of compensation collected on your personal account, which the employer has paid since 2002. According to the Pension Fund, they amount to 856,342.10 rubles. Calculation principle: add up all these numbers: 733094.45 + 73309.45 + 856342.10 = 1662746.00.
  7. Divide the amount received by the approximate period of benefit payment, so you will determine the benefit (228 months): 1662746.00: 228 = 7292.75.
  8. Multiply the individual pension coefficient (for contributions it was 106.393) and the value of the point (in 2019 it is 78.28). You will receive an additional insurance part: 8328.44 rubles.

    9. How to bring down the temperature in an adult

Since 2015, the calculation of pensions in the Russian Federation has been carried out in a new way. Now the amount of pension provision and the right to it depends on the number of points. Let's consider in more detail.

What does the pension consist of?

The insurance pension (formerly called labor pension) is calculated by the formula:

number of points * value of one point.

The cost changes annually and is approved by the Government Decree. Right to pension provision have those citizens who have earned at least thirty points during their working lives. Overall size pensions include an insurance part and a fixed payment (formerly the basic part). The amount of the fixed payment is also approved at the state level.

That is, you need to calculate only points. And their number depends on the salary.



Conversion of pension rights acquired before 2002

  • experience until 2002;
  • average monthly earnings (taken from 2000-2001 or any 60 months before 2002);
  • experience until 1991

The first indicator is taken into account in the form of a seniority coefficient. It cannot exceed 0.75.

  1. The man began his career in January 1976. General experience- 26 years. The seniority coefficient is 0.55 + 0.01 * (26-25), or 0.56.
  2. For a woman under the same conditions, the calculation looks like this: 0.55 + 0.01 * (26-20), or 0.61.
  3. If the length of service is less than 20 years (for women) or 25 years (for men), then the length of service coefficient is 0.55.

The calculation of the average earnings for a pension is made through the "earnings ratio". This is the ratio of the average monthly salary of a citizen to the average monthly salary in the state for the same time period.

The citizen submitted to the Pension Fund a certificate of salary for 60 months from 05/01/1986 to 04/30/1991.

The average earnings when calculating a pension is calculated by the formula:


The average monthly salary in the country is 230.1.

Earnings ratio: 1.2. The law set the maximum threshold for this coefficient: 1.2. Therefore, when assessing pension rights, not 1.38, but 1.2 is taken into account.

How to determine the amount of pension from average earnings (earnings ratio):

  1. The estimated pension for citizens with a service coefficient of more than 0.55 is calculated as the product of the service coefficient, the coefficient of the average monthly salary and 1671 rubles. If the value obtained is less than 660 rubles, then 450 rubles must be subtracted. The amount of 1671 rubles is the SZP - the average monthly salary in Russia for the period 01.07.01-30.09.01 (constant value);
  2. If the length of service coefficient is 0.55, then a formula of the form is applied: (0.55 * coefficient of the average monthly salary * 1671 - 450) * (length of service until 2002 / 25). This is for men. For women, the second multiplier is (experience until 2002/20). If the calculated value turns out to be less than 660 rubles, then for men - 210 * (experience until 2002/25), for women - 210 * (experience until 2002/20).

The woman retired in 2015. Total experience - 35 years. Until 2002 - 22. This is more than twenty years. So, the formula for calculating the seniority coefficient is as follows:

Assume that the earnings ratio is 1.2. Since the seniority coefficient is greater than 0.55, the formula for the calculated pension looks like this:


The woman got a job in 1980. Therefore, she has experience until 1991. When taking into account valorization, it will be necessary to add 10% to the estimated pension and 1% for each full year of employment until 1991.

She worked for 11 years from 1980 to 1991.

The pension capital is indexed annually. As of December 31, 2014, the index value is 5.6148. Let's find the pension rights in ruble form for the period up to 2002, taking into account the premium and indexation:

Let's convert to points. To do this, divide by 64.1.

This is part of the pension rights of a citizen until 2002. When calculating a pension, the number of points will be multiplied by the value of 1 point, accepted on the date of calculation.

Calculation of IPC for the period from 2002 to 2015

  1. It is necessary to find the amount of the transferred insurance premiums for the given period.
  2. The insurance part of the labor pension is calculated as of December 31, 2014: the amount of contributions / 228 (survival period).
  3. We find the IPK: the insurance part / 64.1.

In another way: the insurance part of a labor pension is a pension calculated according to the “old” rules “minus” the funded part and a fixed supplement (established by the state).

Retirement points since 2015

Calculated for each year of service. For the calculation, the salary is taken, on which insurance premiums are calculated. Deductions to the FS - 22%. 16% go to the formation of the insurance (10%) and funded (6%) part of the old-age labor pension. Suppose that a citizen does not want to form the funded part separately.

To find the number of points earned in 2015, you need to:


IPK for different periods are added together and multiplied by the point value accepted at the retirement date.

This is a simplified calculation without taking into account increasing coefficients, interrupted service, etc.

In short, the pension will depend on three factors: a white salary, length of service and the age when a person goes on a well-deserved rest. The more each of these components, the higher the future pension.

The most important change is that the insurance part of the pension will be calculated not in absolute figures (that is, in accumulated rubles), but in points. Upon retirement, the number of accumulated points will be multiplied by their value. The latter is approved by the government and will be indexed to inflation every year.

For example, in 2019, the cost of a point will be fixed at the level of 87.24 rubles. However, in order to rely on insurance pension, you need to earn some required number of points. For those who will go on a well-deserved rest in 2019, this is 16.2 points. But this figure will grow every year. And by 2025 it should be 30 points.

Minimum experience 15 years

The minimum experience requirement will increase. Now, to be eligible for a labor pension, it is enough to work only 10 years. Officials considered that this was not enough, and raised the qualification to 15 years. Nevertheless, this qualification will increase gradually - until 2024. For example, in 2019, 10 years of service is enough to qualify for an insurance pension.

official salary

An important role is played by the size of your official pay. If your employer pays large contributions to the Pension Fund for you, you will have better pension rights in the future. Therefore, the higher the salary, the better. The main thing is that it should be official.

However, there is some limitation. Full insurance premiums are paid for those employees who receive no more than 710 thousand rubles a year (almost 60 thousand rubles a month). Based on this amount, the number of points that you can earn in a year is also calculated. Now the maximum figure is 7.9 points (by 2021 it will grow to 10 points). They can be obtained if you worked all year and received the maximum salary (60 thousand rubles or more). If the salary is less, then you will be awarded fewer points.

Surplus factors

The government has raised retirement age. Nominally, women will be able to retire at 60, and men at 65, this will happen gradually by 2028. Plus, there will be benefits for those who work in hazardous industries. Nevertheless, we will be encouraged to work longer. There are additional factors in the formula. For example, if a person postpones his well-deserved rest for five years, then the pension will be about one and a half times more. If for 10 years - more than doubled.

New Retirement Benefits

There are various incentives. For example, for large families. Prior to this, only the period of caring for a maximum of two children - 1.5 years for each, that is, three years in general, went into the experience for young mothers. According to the new bill, when calculating the length of service, 4.5 years will be taken into account - 1.5 years of care for each of the three children. Plus, service in the army will also be counted in the experience.

What do we get paid for?

Recall that all working Russians pay 30% of insurance premiums from their official salaries. Part of the funds goes to free healthcare and other social projects. Only 16% of those 30% are set aside for old age. And now this money is divided into two parts.

Insurance - 10% - is directed to payments to current pensioners. And the Pension Fund records what contribution each employee has made to this common pool, and the size of the pension will depend on this in the future. And the accumulative part - 6% - is transferred to individual accounts. This money is invested in securities through management companies - state and private, as well as through non-state pension funds (NPFs). funded pension is formed only for those citizens who were born in 1967 and later.

However, in 2018 and 2019, contributions to the funded part are not made. All the money goes to the insurance part, that is, to payments to current pensioners. Plus, the Ministry of Labor recently stated that almost 20% of Russians are not in the pension insurance system. That is, they receive a salary in envelopes. This means only one thing - these people will receive social pension, which is extremely small.

Pension calculator on the website of the pension fund

At the end of last year, the Pension Fund of Russia created a single database of all future pensioners. Each Russian now has his own personal account, where you can see how many points he has already earned. There are four simple steps to checking if your employer paid your contributions and looking at your retirement future.

✔ Register on the Gosuslugi portal (gosuslugi.ru). If you are already there, go straight to the next step.

✔ Go to the website of the Pension Fund, find the button "Personal account of the insured person", enter your username and password (exactly the same as on the "Gosuslugi").

✔ See data about your seniority and accumulated pension points. If you worked for a certain period, and the employer did not accrue and pay insurance premiums, then you will immediately find this out. In this case, you should immediately file a claim with the employer. If he does not meet halfway, then you should complain to the labor inspectorate. If you solve the problem in hot pursuit, you can quickly restore your rights.

✔ Use the calculator to find out how much pension you can earn by your old age.

A pension is a regular state allowance issued monthly. It is intended for citizens who are already in old age and have a certain length of service. Other cases of pension accrual: in case of disability, in case of loss of a breadwinner in the family.

Pension accrual

This state allowance is provided for citizens of the Russian Federation who have reached old age. It is also paid to those who continue to work further. The process of paying pensions began in 1932, and has not undergone significant changes since then. How the old-age pension is calculated: for women this threshold is at 55 years old, for the male population - at 60 full years. In the State Duma, there are persistent debates on this issue. It is quite possible that in 2-3 years the retirement age in Russia will increase, just as it is increasing in the CIS countries.

To calculate the allowance, work experience is required, which must be at least 20 years for women, and 25 years for men.

It is paid monthly by state social security funds. All issues are regulated by state bodies of the Russian Federation, in accordance with the law on pensions.

This allowance has three main types: for old age, for disability and for the loss of a breadwinner in the family. But there are a number of other coefficients that are charged additionally.

old age pension

To receive it, a person must be in old age. How is the old age pension calculated? There are three main parts that make up the total amount of the payment: basic, insurance and funded.

When a citizen reaches the age of 80, if he is not disabled and has no dependents, then the base part increases significantly. The calculation of the pension capital is divided by the survival period. Since 2013, his official figure is 19 years.

Pension calculation

How is the pension calculated? Its calculation is made on the basis of legislation. This takes into account not only age, but also contributions to the pension fund, pension capital and a number of other indicators. How the insurance part is calculated: the length of service until 2002 is taken, the average salary plus a special coefficient. It is already calculated by dividing the salary throughout the country for that period. Accumulative part is calculated in almost the same way as insurance, and the base is a constant value established by law, while it is indexed every year depending on inflation.

What is the pension capital?

Simply put, it consists of the amounts paid by the employer. This is the account of a citizen at the time when the pension reform in 2002. Since 2010, the capital has been increased by 10%. At the same time, it continues to rise by 1% annually for those who worked before 1991. To calculate the amount of accruals, there are a number of correction factors.

How is the old-age pension calculated: calculation

For this, a special formula is used SK x SZP x ZR / ZP, in which:

  • SC is the insurance coefficient of the accumulated experience. It is equal for men and women who have worked minimum experience– 55% of salary. For each additional year, 1% is added. But it should be borne in mind that the coefficient will not be more than 75% of the salary.
  • SZP - the average monthly earnings, which is set from July 1 to September 30, 2001.
  • ZR - the average salary for any five years, or for the period from 2000 to 2001.
  • ZP - the average monthly salary in Russia for the same period.

The above formula is the answer to the question of how the pension is calculated.

What documents are required for registration?

Their list is established in the decree of the Ministry of Labor and Social Development. It is this that prescribes the issuance required documents special bodies, with certification by seals and signatures.

We already know how labor pensions are calculated, now let's talk about the list of documents for its registration. First you need to write an application to the Pension Fund. Next, you need to provide the following documents:

  • passport, which must indicate the place of residence, age and citizenship;
  • personalized account card;
  • certificate of average income for 2000-2001, or for any five years before 2002;
  • birth certificates of children (for women);
  • military ID (for men);
  • documents confirming the experience (work book).

Instead of the latter, other documents (employment contracts, etc.) may be provided. If they are lost, the seniority is confirmed by the testimony of at least two witnesses who worked with the applicant at that time.

Charges for working pensioners

How are pensions calculated for working pensioners? The base rate is charged to them in the same way as to those who went on a well-deserved rest. In any case, the employer must transfer contributions to the Pension Fund, whether they are from wages or other remuneration.

Such people are also subject to pension insurance. The sums insured are paid by the 15th of every month. In case of delay, penalties are set, and in case of partial or complete non-payment, a fine of 20% of all amounts unpaid by the employer. At the request of the pensioner, the manager is obliged to provide the Pension Fund with full information about the contributions transferred. Based on these data, the PFR recalculates benefits for working pensioners.

Disability accruals

This allowance is established in connection with permanent or long-term disability. How is disability pension calculated? The amount of the benefit directly depends on a number of factors: the nature of the work and the reasons for which the disability occurred. At the same time, the circumstances of the incapacity of a citizen are also considered. This may be an injury at work, due to which labor activity becomes impossible in the future. In this case, the pension will be calculated regardless of the length of service. In case of disability due to illness, supporting documents are required.

The allowance is established for citizens who have the 1st, 2nd or 3rd group, the recognition and appointment of which is determined by a special examination. It is carried out by a medical commission. At least a minimum work experience is required for the appointment of a pension. When passing military service soldiers-conscripts allowance in the event of incapacity is accrued regardless of the length of service.

The amount of the allowance for disabled citizens

How is disability pension calculated? It really depends on the group. For the first, it is assigned in the amount of 100% of the rate, for the second - 90%, for the third - 50%. Disabled citizens of the 2nd group can apply for an old-age pension, taking into account the length of service. In this case, it plays a role when the first disability was assigned.

Unemployed citizens who have the 2nd group, or who are recognized as disabled after reaching old age, as well as all persons who have the 3rd group (if they have a confirmed work experience), can receive a pension in the amount of an age allowance.

northern accruals

Starting from 2007, pensioners receive additional pension supplements. They are set for those who worked in the conditions of the Far North, as well as in places that are officially equated to it. Thanks to this bill, the basic part of the pension is increased if the length of service has been completed in full, or the old-age benefit has been received ahead of schedule. This also applies to disability benefits.

How the northern pension is calculated: those people who have dependents (disabled family members) have the right to receive this supplement. In this case, the increase is calculated depending on the number of such citizens in the family (no more than three people). Those who have 15 years of experience in the Far North and at least 20 years in equated areas are entitled to receive an additional northern coefficient.

Law Enforcement Handbook

How the pension is calculated for police officers: payments for them are made at the rate of 54% of the salary. At the same time, rank and length of service play a significant role. The indexation of monetary allowance is also taken into account. In accordance with the law, all accruals, due to amendments to the Law of the Russian Federation, are recalculated, regardless of the date of dismissal.

The maximum amount of payments, taking into account the length of service, can reach up to 85% of the monetary allowance. How is a pension calculated in Russia for police officers? Payments are calculated according to the formula: salary + rank, plus a percentage of the length of service. Further, the result is multiplied by 0.54 (monetary allowance). The monthly allowance is set depending on the length of service:

  • 2-5 years - 10%;
  • 5-10 years - 15%;
  • 10-15 years - 20%;
  • 20-25 years old - 30%;
  • over 25 - 40% (maximum).

What is the pension for an individual entrepreneur?

Since individual entrepreneurs are their own employers, they pay pension contributions on their own. How the pension is calculated for an individual entrepreneur: in addition to the basic part, on the basis of the contributions transferred, the allowance is accrued in the future. Such amounts paid ensure the right of the individual entrepreneur to receive a pension, which will be equivalent to the total number of payments that are on personal accounts.

An individual entrepreneur can count on receiving old-age benefits from the state.

At the same time, all periods when contributions were paid to the PFR are included in the calculation of the length of service.

The list of documents that must be submitted to receive benefits depends on the taxation system. The latter, in turn, often changes, so this issue needs to be clarified directly when applying.

A single tax is also equated to insurance pension contributions. For those individual entrepreneurs who worked until 1991, renting premises, the period must be confirmed by financial authorities or archival certificates of payment of the necessary payments. All periods in which payments were made must be confirmed.

New pension calculation

In Russia, a pension reform has been going on for a long time, it ends on January 1, 2015. New rules for calculating benefits to citizens will come into force. How the pension is calculated now is understandable. And what will happen from 2015? If earlier it was possible to calculate the amount of the allowance on your own, then in the future it will not be so easy to do. come into force pension points, and accruals will depend not only on the length of service, but also directly on the “white” salary from which payments are made to the Pension Fund.

Life moves forward, and everything changes and improves regularly. What will happen in the future is not yet very clear, but the state will take care of its citizens anyway. Therefore, pensioners have no reason to worry.

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