Presentation on the topic of pensions. Old age insurance pension. Total amount of insurance pension

BASIC PROVISIONS OF THE DRAFT FEDERAL LAW ON INSURANCE PENSIONS. NEW PENSION FORMULA. DECREE OF THE PRESIDENT OF THE RUSSIAN FEDERATION OF MAY 7, 2012 No. 597 “ON MEASURES FOR THE IMPLEMENTATION OF STATE SOCIAL POLICY and BUDGET MESSAGE OF THE PRESIDENT OF RUSSIA “Budget policy in 2013 - 2015” STRATEGY FOR LONG-TERM DEVELOPMENT ESSIONAL SYSTEM OF THE RUSSIAN FEDERATION (approved by order of the Government Russian Federation dated December 25, 2012 No. 2524-r) Reform objectives: GUARANTEEING A SOCIALLY ACCEPTABLE LEVEL OF PENSION SECURITY ENSURING LONG-TERM FINANCIAL STABILITY OF THE PENSION SYSTEM KEEPING THE INSURANCE LOAD OF THE PENSION SYSTEM AT AN ACCEPTABLE LEVEL ON THE COUNTRY'S ECONOMY PROJECT RUSSIAN FEDERATION FEDERAL LAW ON INSURANCE PENSIONS This Federal Law in accordance with The Constitution of the Russian Federation and the Federal Law “On Compulsory Pension Insurance in the Russian Federation” establish the grounds for the emergence and procedure for exercising the right of citizens of the Russian Federation to insurance pensions. DRAFT RUSSIAN FEDERATION FEDERAL LAW ON INSURANCE PENSIONS Article 5. Types of insurance pensions In accordance with this Federal Law, the following types of insurance pensions are established: 1) insurance pension old age; 2) disability insurance pension; 3) insurance pension in case of loss of a breadwinner. PROJECT RUSSIAN FEDERATION FEDERAL LAW ON INSURANCE PENSIONS Article 7. Conditions for assigning an old-age insurance pension 1. Men who have reached the age of 60 years and women who have reached the age of 55 have the right to an insurance pension. 2. An old-age insurance pension is assigned if you have at least 15 years of insurance experience (5 years in 2015). 3. An old-age insurance pension is assigned if there is an individual pension coefficient of at least 23 (in 2015 – 10). CALCULATION OF OLD-AGE INSURANCE PENSION SP = IPK X SPK SP – amount of insurance pension IPK – individual pension coefficient, is defined as the sum of the employee’s annual individual pension coefficients. The maximum value of the annual individual pension coefficient is 10. SPK - the cost of one pension coefficient in the year the pension was assigned (set annually by the Government of the Russian Federation) SIZE OF INDIVIDUAL PENSION COEFFICIENT IPC = IPK1 + IPK2 + IPK experience IPK1 - the size of the individual pension coefficient for periods before January 1, 2015 – P/SPK - the amount of the insurance part of the old-age labor pension according to the norms of 173-FZ, excluding the FBI and the funded part, divided by the cost of one pension coefficient for 2015 IPK2 - the size of the individual pension coefficient for periods from January 1, 2015 IPK length of service - additional individual pension coefficient for insurance experience (women for service from 30 to 40 years - 1 coefficient for each full year, men for service from 35 to 45 years - 1 coefficient for each full year, in addition, an increase of 5 coefficients for women over 35 years old, men over 40 years old) SIZE OF INDIVIDUAL PENSION COEFFICIENT for periods from January 1, 2015 IPC2 = (amount of IPC year + amount of NP year) amount of IPC year - the sum of individual pension coefficients determined for each calendar year, taking into account the contribution annual contributions from wages AP from January 1, 2015 IPC year = SV year (amount of contributions) / NSV year (normative amount of contributions) * 10 For persons for whom they were not paid insurance premiums on savings part IPC per year – no more than 10; for persons whose rate of contributions to the funded part is 2% - the maximum ratio is 9.1; for persons for whom the rate of contributions to the funded part is 6% - the maximum ratio is 7.27 NP amount year - the sum of the coefficients determined for each calendar year for other (non-insurance) periods acquired starting from January 1, 2015 (periods of military service , caring for a child up to 1.5 years old, receiving unemployment benefits, caring for a disabled person of group 1, a disabled child, an 80-year-old person, etc. (Clause 1 of Article 11 of the draft Law) Insurance pension IPK x SPK Experience 30- 40-g Σ Civil Procedure Code Pension rights until 2015 + 35-45th 35-g 40th SV 2015 NSV +. .+ SV for the year of retirement NSV 10 5 x K(10), K(9.1 ), K(7.27) + NP (other periods) Children Army – 0.85 For the 1st – 0.85 For the 2nd – 1.7 For the 3rd – 2.55 Insurance pension Savings pension Fixed payment IPC x SPK Experience 30-40 years Σ Civil Procedure Code Pension rights until 2015 + 35-45 years 35 years 40 years SV 2015 NSV +..+ SV for the year of retirement NSV 10 5 x K(10) , K(9.1), K(7.27) + NP (other periods) Children Army – 0.85 For the 1st – 0.85 For the 2nd – 1.7 For the 3rd – 2.55 STIMULATING A LATER AGE OF RETIREMENT A COEFFICIENT IS ESTABLISHED FOR THE NUMBER OF FULL MONTHS WORKED OVER 55 YEARS FOR WOMEN AND OVER 60 YEARS FOR MEN The number of months worked after the generally established retirement age(months) Coefficients (K age) K age for fixed payment 12 24 36 48 60 (5 years) 72 84 96 108 120 1.056 1.12 1.19 1.27 1.36 1.46 1.58 1.73 1.90 2.11 K age, SP = K age, BP×Additional increase in SP K age to insurance pension 1.066 1.15 1.24 1.34 1.45 1.59 1.74 1.90 2.09 2 ,32 Example. Calculation of an insurance pension for a woman born in 1992, who has two children (she has been caring for 1.5 years), has 33 years of insurance experience on the date of retirement age, and has not applied for a pension for 5 years. Salary – 20,000 rubles per month. The tariff at which pension savings are formed is 2%. 1. Calculation of the amount of the annual pension coefficient 1) calculate the annual pension coefficient: 20,000 rubles / 61,387 rubles. * 9.1 = 2.96 2) PC amount for length of service: 2.96 * 38 years = 112.48 3) PC for non-insurance periods of child care: 0.85 + (0.85 * 0.5) = 1.275 1.7 + (1.7 * 0.5) = 2.55 3.825 2. PC for experience: 10 – for 41 years of experience (38 + 3 years of child care), 5 – for 35 years of experience Total amount of pension capital : 112.48 + 3.825 + 15 = 131.31 Insurance pension calculation: 131.31 (PC amount) * 57.9 (PC cost) = 7,602.85 * 1.45 (K - for late retirement) = RUB 11,024 RUSSIAN FEDERATION FEDERAL LAW ON INSURANCE PENSIONS draft Article 17. ...Citizens can apply for the appointment and payment of an insurance pension through the employer at the place of their last job. ...The documents necessary for the establishment and payment of an insurance pension, the obligation to submit which is assigned to the applicant, may be submitted by the employer. Article 20. Payment of the insurance pension is suspended in the following cases: ………. 2) In the absence of personal requests from a pensioner for more than one year to carry out transactions on his account to which the pension is credited... Article 24. ... Amounts overpaid due to a calculation error are taken into account for the subsequent payment of the pension in the amount calculated in accordance with the legislation of the Russian Federation, based on a decision of the body providing pension provision. Increasing the required experience for teaching staff to 30 years. Increasing the required experience for medical workers up to 30 years (village), up to 35 years (city).

Current issues in the development of the pension system

In Russian federation

Solutions

1932 - The law established the age for old-age pension: 55 years for women and 60 years for men.

1956 - Law “On State Pensions” - 3 types of pensions, unified grounds for assigning pensions, pensions with special working conditions and in socially significant jobs (doctors, teachers).

1990 - Federal Law No. 340-1 “On state pensions in the Russian Federation” - preferential treatment calculation of length of service, payment of pensions to working pensioners, incl. early, limit the maximum size to 3 minimum.

1996 - 27-FZ “On individual (personalized) accounting in the system compulsory pension insurance" - the foundations have been laid insurance pension system.

2001 - 173-FZ “On Labor Pensions in the Russian Federation” - three-level pension the system includes insurance, state and non-state pension provision.

Basis: insurance premiums paid by employers for employee during his working life. Introduced accumulative Part.

2015 - 400-FZ “On Insurance Pensions” - new rules for registration and calculation pensions, enhances the influence of length of service on the size of the pension and makes it possible increase in pension due to later application.

424-FZ “On funded pension» - in the mandatory system formed at the request of the future pensioner (during the first 5 years your working life).

PENSION SYSTEM IN THE RUSSIAN FEDERATION

- By old age(on a general basis, on preferential terms: for harmfulness, ped. and honey employees, creative workers, flight crews, etc., additional payment for military pensioners)

- For disability

- On the occasion of the loss of a breadwinner

Insurance pensions

Cumulative

pensions

- Mandatory system (including assignees)

- Voluntary system

- Social

- For military personnel (rank and file, old age, disability, SEC)

- Civil servants (by old age, share)

State pensions

Pensions for law enforcement officers

According to individual legislative acts (Moscow Ministry, Ministry of Internal Affairs, FSB, Court, Prosecutor's Office, Federal Penitentiary Service, etc.)

Corporate pensions

Departmental, voluntary approach

Urgent payment

By old age

On the occasion of the loss of a breadwinner

Accumulative pension

By disability

One-time payment

Sources of formation of pension funds

10% with a salary exceeding the maximum contribution base

Source of formation of pension funds

(for self-employed people)

Payment of contributions to compulsory pension insurance is made depending on income (minimum wage in 2016 – 6204 rubles)

If the income is minimum wage * tariff * 12) 6204 *26%*12 = RUB 19,356.48

16% on ILS = 11 RUB 911.68 : 127,360 x 10 = 0.93 points

(796,000 x 16% = 127,360)

If the income is 300 thousand rubles: Minimum wage * tariff * 12 and additionally 1% of the amount exceeding 300 thousand rubles.

Restriction: fixed amount + amount from 1% cannot exceed 8 minimum wages

8 x 6204 x 12 x 26% = RUB 154,851.84. Maximum – 8 points

Problem

Legalization of labor relations and salary

Achievement retirement age

(60 years old men, 55 years old women);

Conditions for assigning old-age pensions

Availability insurance experience – 15 years

in 2015 - 6 years

in 2016 - 7 years

in 2017 - 8 years

by 2025 - 15 years(10 year transition period)

Availability individual pension coefficient(IPK) - 30,

in 2015 - 6,6

in 2016 - 9

in 2017 - 11.4

in 2025 - 30

Condition 1 : Age.y

55/60 years – no odds

56/61 years –

1.07 for insurance pension,

1,056 for a fixed payment

60/65 years –

1.45 for insurance pension,

1,36 for a fixed payment

Example:

Male, born in 1955, 60 years old, employed in 2015. Work experience 30 years, average monthly earnings 30,000 rubles.

Condition 1:

Premium rates for later retirement

The size of the pension on the date of appointment (2015) is (as of 01/01/2015) 12000 rub. .

Refusal of pension for 1 year

Increase factor 1.07

Refusal of pension for 5 years

Increase factor 1.45

RP in 2016 (without index.) = 12840 rub. (difference 840 rub.)

RP in 2020 .(without index.) = 17400 rub. (difference 5400 rub.)

Amount of lost pension upon refusal

for 1 year

For 2015 ≈ RUB 144,000 .

in 5 years

For 2015 ≈ RUB 720,000 .

Recovery period for the waived amount

(with each indexation of the pension, the recovery period will be reduced)

more than 14 years

without indexing

more than 11 years

without indexing

Condition 2:

Availability of insurance experience – 15 years.

(in 2015 6 years, 2016 – 7 years, 2017 – 8 years,

from 2024 and subsequent years – 15 years

(10 year transition period)

The insurance period includes:

1. Work experience until 2002 according to the work book and other documents on experience

2. Periods of work for which insurance premiums were calculated and paid

since 2002

3. Periods for which insurance premiums were paid voluntarily

(but not more than half of the required experience required for

establishment of an old-age insurance pension) – from 01/01/2015

4. Other periods (non-insurance):

- The period of military service and equivalent service;

- The period of receiving unemployment benefits;

- Periods of child care up to 1.5 years (no more than 6 years);

- The period of care for a disabled person of group 1 or a person who has reached 80 years of age;

• The period of residence of spouses of military personnel who served military service

under contract, together with their spouses in areas where they could not

find a job, etc. (up to 5 years, subject to actual work

before or after)

Condition 3: Availability of an individual pension

coefficient (IPC) – 30

in 2015 - 6.6, in 2016 - 9, in 2017 -11.4, in 2025 - 30.

Individual pension coefficient (IPC)

(point)

M.A. KSIM. 10 – From 2021 LIMITATION FOR PERSONS WITH NO PENSION SAVINGS IN 2015 – 7,39, IN 2016 - 7.83, IN 2017 – 8.26. FOR PENSIONERS HAVING A CUMULATIVE PENSION IN 2015– 4,62, In 2016 – 4,89, 2017 – 5,16 IN 2014 - 624,000 RUB. IN 2015 – 711,000 RUB. IN 2016 – 796,000 RUB. DEPENDS ON THE FORECASTED AVERAGE SALARY

Dependence of the individual pension coefficient (point) on the salary of the AP in 2016

(points are summed up for each year)

Calculation:

1 option

Option 2

At max salary AP

With average salary

Limit for 2015 – 7,39, for 2016 – 7.83, in 2017 – 8.26

for 2021 and subsequent years – 10

Option 3

In the presence of pension savings, for persons born in 1967

and younger But no more than 4.89

Limit for 2015 – 4,62, for 2016 – 4,89, 2017 – 5,16

for 2021 and subsequent years – 6,25 ,

With minimum salary

PENSION POINTS FOR NON-INSURANCE PERIODS

for each year of parental leave

Example:

24.3 points purchased by a mother of four children, with each of whom she spent 1.5 years on maternity leave.

for each year of conscription military service

for each year of caring for disabled people I groups,

disabled children, people over 80 years old

Fixed payment - is established by law in a fixed norm and depends on the category of recipients.

For some categories, an increased amount is established: for disabled people of group I and persons over 80 years of age - the PV increases by 100%, from February 2015. – 8767.18 rubles, February 2016 – 9117.86 rubles.

by 1519.64 rubles. (RUB 3,039.29),

1 4

FV x PC

Insurance pension

Premium odds

Insurance premiums

Experience, salary

Points

Points

BEFORE 01/01/2002 (INCLUDING VALORIZATION)

Two factors influence

Example:

0.60 x 1.2 x 1671 = 1203.12

5060 rub. 50 kopecks

5060 rub. 50 kopecks : 64,10 = 79 points

1 wallet

Two factors influence

• Year of retirement

Calculation formula

RP = SV / T

Example:

748 800: 228 = RUB 3,284

3284 rub. : 64.10 = 51 points

Where 64.10 is the cost of the pension coefficient.

wallet

From 01/01/2015

is assessed for each year of work and is calculated as the ratio

7,83 4,89 Limit value of the base for calculating insurance premiums

Example: 0 thousand rubles

38400: 113 760 = 0,3 4 x10= 3.4 points

wallet

Fixed payment

RUB 4,383.59

3.4 points

point

79 points

26 , 09 rub. + 4383.59 rub. = 13909,68 rub.

Total amount of insurance pension

79 +51+3.4= 133.4 x 74,27 = 9907.62 rub. + 4558.93 rub. = 14 466,55 rub.

Parameters affecting

pension amount:

- Age of application for an insurance pension.

- Duration length of service and wages until 2002

- Paid insurance premiums from “white” wages since 2002

• Duration of payment of insurance premiums.
• IPC cost (in 2015 – 71 rub. 41 k., in 2016 – 74 rub. 27 k.)
• Limit value of the base for calculating insurance premiums

RECALCULATION OF PENSIONS FOR WORKING PENSIONERS C 1 AUGUST

Until 01/01/2015

The maximum contribution base for all places of work as of December 31, 2014 is taken into account.

The maximum amount of increase is up to 616 rubles for each place of work

After 01/01/2016

No more than 3 points are taken into account (1.875 if there are pension savings) for the period from January 1, 2015 to December 31, 2015.

Maximum increase amount

3 points x cost of the IPC

(2016 – 71 rub. 41 k. x 3 = 214 rub. 23 k.)

INDEXATION OF INSURANCE PENSIONS

Federal Law of December 28, 2013 No. 400-FZ “On Insurance Pensions”

• From February 1, in connection with the establishment of the cost of the pension coefficient (IPC) based on the increase in consumer prices over the past year;
• From April 1, pensions will be indexed, depending on the volume of receipts of insurance contributions for the payment of insurance pensions.

Federal Law No. 385-FZ of December 29, 2015

1. Indexation of pensions is provided only for non-working pensioners;

2. From 01/01/2016 to 01/01/2017, the rule on indexing pensions to the level of inflation is suspended.

3. From 02/01/2016, the indexation of the insurance pension is carried out for non-working pensioners - 4%.

4. Additional indexation based on the results of the first half of 2016, taking into account the situation in the economy and social sphere.

5. Indexation procedure: from February 1, 2016.

after May 1, 2016

Main conclusions

1 . Remaining retirement age (pros and cons)

2 . Pension rights formed before January 1, 2015 are converted into points and are preserved in full, pension amount did not change (remained at the same level)

3 . The minimum level of security for non-working pensioners is not less living wage pensioner in the region

4. Maximum size pension depends on the payment period and the maximum amount of the base for calculating insurance contributions

5. From January 1, 2016 indexing order changed:

- pensions are indexed only for non-working pensioners

- indexation amount – 4% with subsequent additional indexation based on the results of the 1st half a year

6. From August 1, 2016 adjustment of insurance pensions for working pensioners for the period from 01/01/2015 to 12/31/2015 within 3 points (1.875 points for persons forming a funded pension)

7. The procedure and conditions for assigning early pensions remain the same

Groups

1 group

Right

2nd group

Size TO

3 group

For working people

For non-workers 9117.86

For workers 4383.59 rub.

For non-workers 4558.93

For workers 2191.80

For non-workers 2279.47

Size

Right

Size

SOCIAL PENSIONS

Kinds

By old age

Right

Size from 04/01/2016

By disability

Indexing

On the occasion of the loss of a breadwinner

Disabled person 1 gr. -9919.73 rub.

Disabled person 2 gr. – 4959.85 rub.

Disabled person 3 gr. – 4215.90 rub.

Size

THANK YOU FOR YOUR ATTENTION! STAY YOUNG LONGER!

Federal Law of the Russian Federation dated December 28, 2013 No. 424-FZ “On funded pensions”

2 8

DISTRIBUTION OF SV ON HUD (FOR PERSONS BORN 1967 AND YOUNGER)

Since 2014

(freezing Mon)

Until 2014

Insurance pension

Insurance pension

Funded pension

Pension savings increase by % of investment

Pension capital increases by % indexation

Comparison of the level of indexation of the insurance part of the labor pension and investment income of pension savings in 2015.

Indexation – 11.4%

Investing – on Wed. 4.5%

Funded pension

Federal Law dated December 28, 2013 No. 424

Federal Law dated November 30, 2011 No. 360

6% mandatory contributions

Federal Law dated April 30, 2008 No. 56-FZ

from 2008 to 2013 – entry into the program,

from 2 to 12 thousand rubles.

Federal Law dated 05/07/1998 No. 75-FZ participation in non-state pension provision

Federal Law dated December 29, 2006

№ 256-FZ

In 2015 – 453,026 rubles.

Federal Law dated 05/07/1998 No. 75-FZ

Energy, Sberbank, railway, etc.

PENSION SAVINGS ARE FORMED

FORMATION OF PENSION SAVINGS

The right to a funded pension occurs if the conditions are met :

• availability of the right to an old-age insurance pension, including early, provided for by the Federal Law “On Insurance Pensions”

• availability of pension savings accounted for in a special part of the individual personal account or in the pension account of the insured person’s funded pension

Types of payments from pension savings

One-time payment

Funded pension

(lifetime payment)

Formed from contributions from OPS, DSV, MSC

Urgent

pension payment

(minimum payment period – 10 years)

Formed from contributions from DSV, MSK

Payment to successors

Funded pension amount

Amount of pension savings

incl. investment income

Payment period (T to 2015 . = 228 months)

T in 2016 g. – 234 months. (228+6)

CHOOSING A PENSION OPTION

Funded pension

1. PN funds are inherited

2. Maternity capital

3.You can refuse the NP at any time

4. State guarantee of SV denomination

5. Participation in investing

1. State guarantee of SV denomination only

2. Profitability is usually lower than the inflation rate

3. The period for “earning” points for the right to an insurance pension is increasing

4. Loss of investment income due to early change of insurer

5. Low level of financial literacy of the population

• Choice in favor of NP only until 31.12. 2015

Everyone decides for themselves!

THANK YOU FOR YOUR ATTENTION!

CALCULATION OF INSURANCE PENSION BY OLD AGE IN ACCORDANCE WITH FEDERAL LAW OF 12/28/2013 No. 400-FZ “ABOUT INSURANCE PENSIONS”

Fixed payout x Premium odds

FV x PC

The cost of the pension coefficient is 64.10

Insurance pension

Premium odds

Insurance premiums

Experience, salary

Before 2002 From 2002 to 2014 From 2015

Points

Points

3 9

The amounts of fixed payments are provided for in Art. 16 and 17 of the Federal Law of December 28, 2013 No. 400-FZ and are established simultaneously with the assignment of the insurance pension.

The fixed payment is set at a fixed rate and depends on the category of recipients.

from February 2016 – 9117.86 rubles.

For each disabled family member, the PV increases by 1/3,

by 1519.64 rubles, but no more than for 3 dependents.

BEFORE 01/01/2002 (INCLUDING VALORIZATION)

Two factors influence

• Total work experience: 25 years for men and 20 years for women, length of service coefficient 0.55, (maximum length of service for men 45 years, for women 40 years) length of service coefficient 0.75 (if the length of service is not full, it is considered proportional to the existing experience)
• Salary: taken into account for any 5 consecutive years or for 2000-2001, maximum earnings ratio 1.2.

Pension calculation formula: RP = SK x ZR/ZP x SZP

SC – experience coefficient (from 0.55 to 0.75)

ZR – wages of the insured person

ZP – average monthly salary in the Russian Federation for the same period

SWP - average monthly salary in the Russian Federation as of January 1, 2002 - 1671 rubles.

Example:

male, 30 years of experience, average salary 30 thousand rubles, 10 years of experience until 1991

0.60 x 1.2 x 1671 = 1203.12

Valorization for “Soviet experience” before 01/01/1991 is 10 years, and for the fact of work before 2002 - 843 rubles.

Pension before 01/01/2002: 4217.50 + 843 = 5060 rub. 50 kopecks

5060 rub. 50 kopecks : 64.10 = 79 points

Where 64.10 is the cost of the pension coefficient.

1 wallet

15 1 41

FROM 01/01/2002 TO 01/01/2015

Two factors influence

• The amount of insurance premiums accrued and paid to the Pension Fund
• Year of retirement

Calculation formula

RP = SV / T

SV – amount of accrued insurance premiums

T - number of months of expected payment period

in 2002 - 144, 2003-150, 2004-156, ... since 2013 - 228

Example: male, worked from 2002 to 2015 (13 years of insurance experience), salary 30 thousand rubles.

Amount of insurance premiums for 13 years = 748,800 rubles.

748 800: 228 = RUB 3,284

3284 rub. : 64.10 = 51 points

Where 64.10 is the cost of the pension coefficient.

wallet

From 01/01/2015

Individual pension coefficient (IPC)

is assessed for each year of work and is calculated as the ratio

Restriction for persons who do not have pension savings in 2016 – 7,83 for pensioners with a funded pension – 4,89 Limit value of the base for calculating insurance premiums in 2014 - 624,000 rubles. in 2015 – 711,000 rubles, in 2016 – 796,000 rubles.

Example: man worked 2015 (1 year of insurance experience), salary 2 0 thousand rubles

38400: 113 760 = 0,3 4 x10= 3.4 points

wallet

Total amount of insurance pension

Fixed payment

RUB 4,383.59

Cost of pension coefficient

3.4 points

point

79 points

79 +51+3.4= 133.4 x 71.41 = 95 26 , 09 rub. + 4383.59 rub. = 13909,68 rub.

Total amount of insurance pension

79 +51+3.4= 133.4 x 74.27 = 9907.62 rubles. + 4558.93 rub. = 14 466,55 rub.

INSURANCE PENSION FOR DISABILITY

Groups

1 group

Right

2nd group

It is established regardless of the cause of disability or length of service. The fact of work is enough. In the absence of insurance experience, a social pension is established.

Size (calculated in the same way as old age pension x TO (ratio of standard duration of insurance period)

3 group

Fixed payment from 02/01/2016.

For working people

For non-workers 9117.86

For workers 4383.59 rub.

For non-workers 4558.93

For workers 2191.80

For non-workers 2279.47

Size Disability pensions cannot be lower than the minimum subsistence level for a pensioner established in the region.

INSURANCE PENSION IN THE CASE OF THE LOSS OF A BRIENDSHIP

Right

Established for each disabled family member of the deceased breadwinner who was dependent on him. It is established regardless of the length of the insurance period; the fact of work is sufficient. In the absence of insurance experience, a social pension is established.

Amount (calculated in the same way as the old-age pension x K (the ratio of the standard duration of the insurance period) and depends on the number of dependents

The fixed payment amount is 50% of the fixed old age payment and

from 02/01/2016 for workers is 2191.80 rubles.

For non-workers - 2279.47 rubles.

Size the survivor's pension for each child cannot be lower than the minimum subsistence level for a pensioner established in the region.

SOCIAL PENSIONS (Federal Law of December 15, 2001 No. 166-FZ “ON STATE PENSION SECURITY IN THE RF”)

Kinds

By old age

Right

Size from 04/01/2016

By disability

65 and 60 years old men and women respectively.

Not paid during the period of employment.

Indexing

Disabled people of groups 1, 2, 3, disabled children who are not entitled to an insurance pension.

On the occasion of the loss of a breadwinner

Children under 18 years of age studying until 23 years of age (if the deceased breadwinner has no experience)

Disabled person 1 gr. -9919.73 rub.

Disabled person 2 gr. – 4959.85 rub.

Disabled person 3 gr. – 4215.90 rub.

Disabled since childhood 1 gr., disabled children - 11903.50 rubles.

Every year from April 1, taking into account the growth rate of the cost of living of a pensioner in the Russian Federation over the past year, it has been suspended. From April 1, 2016 by 4%. The indexation coefficient of social pensions is determined by the Government of the Russian Federation.

The second indexation is based on the results of socio-economic development for the 1st half of the year.

4959.85 rub. for each child

Size social pension cannot be lower than the minimum living wage for a pensioner established in the region.

Pension –

guarantee of a dignified old age

Class hour prepared and conducted by a teacher of Russian language and literature, classroom teacher 11 “B” class Melnikova Irina Anatolyevna January, 2016

• 1. Explain the possibilities of forming and managing the funded part of the labor pension.
• 2. Create conditions for the formation of an understanding of everyone’s personal responsibility for their future pension provision.
• 3. Contribute to the formation of a new “pension culture” among young people, based on the principle: “Your future pension depends on you, make it worthy.”

• The first mentions of state provision in the territory modern Russia date back to ancient times. The princes and governors of the Slavic squads cared not only about feeding and arming their subjects, but also about providing for them in case of injury and in old age.

XVII century

• The first cash payments for retired soldiers, “therapeutic” ones, began to be made under Tsar Alexei Romanov in 1663. Their size depended on the severity of the injuries. Basically it was the provision of estates or lands to those already existing.

Story pensions in Russia XVIII century

Since the reign of Peter I, regular pensions were introduced and extended to the highest military class.

The “Charter of the Russian Naval Fleet” of January 13, 1720 is considered to be the first pension law.

XVIII century

• The reign of Catherine II was marked by the holding of the first national pension reform, after which such concepts as length of service (experience) appeared, which should be at least 20 years.

XVIII century

• An increase in pension benefits was noted during the reign of Emperor Paul I. He established a rule according to which military pensioners, when entering the civil service, were entitled to state allowances in such an amount that the maintenance was not less than the pension. The condition is: impeccable service.

century xix

• Further development pension system Russia received in the 1820s, when in the amount of large-scale reform pension legislation The Charter on Pensions and one-time benefits civil servants.
• A centralized pension fund was created, the function of which is to pay pensions and benefits.

century xx (first half)

• In 1917, a decree was issued “On the issuance of percentage bonuses to the pensions of the disabled.
• In 1918 - the resolution “On approval of the Regulations on social security of workers.”
• In 1924, long-service pensions were introduced for scientists and university teachers.
• In 1925, long-service pensions were established for teachers in urban and rural schools.

century xx (first half)

• In 1932, the law set the age for old age pension: 55 years for women and 60 years for men.
• Since then, the retirement age in Russia has not changed even once and today remains one of the lowest in the world.

century xx (second half)

• 1956 – the law “On State Pensions” was adopted (providing for old-age, disability and survivors’ pensions).
• Men retired at age 60, subject to 25 years of experience, women - at 55, subject to 20 years of experience.

century xx (second half)

• By the time of the collapse of the USSR and the emergence of a new state - the Russian Federation - many problems had accumulated in the country's pension system. During the 1990s, the trend towards aging increased. This process developed in the context of a transition economy and a reduction in financial revenues from enterprises to the Pension Fund.

century xxi

• Creation in 1997 of a system of personalized accounting of citizens' pension rights.
• The result of the reforms of the 1990s – 2000s was a three-tier pension system: insurance, state and non-state pension provision.

century xxi

• The transition to a market model of the economy affected the pension system with the introduction of a new element - the funded part of the labor pension.
• In 2012, the Government of the Russian Federation approved an action plan to further improve the pension system.

• The Pension Fund of the Russian Federation (PFR) was formed on December 22, 1990 for the state management of pension finances in the Russian Federation.
• The management of the Pension Fund of the Russian Federation is carried out by the Board headed by the Chairman of the Board. On the part of the Government of the Russian Federation, the work of the Pension Fund is coordinated by the Ministry of Labor and Social Protection.

• Contrary to its name, the Pension Fund of the Russian Federation deals not only with paying pensions to older people. Today, the Pension Fund of Russia is the largest federal system for the provision of state social services in Russia, which accompanies a person from birth.

• A pension is a guaranteed monthly payment to provide financial support for citizens in old age, as well as in the event of their complete or partial disability, loss of a breadwinner, or in connection with achieving an established length of service in certain areas. labor activity.

• Three levels of the pension system:
• 1. Compulsory pension insurance
• 2. State pension provision
• 3.Non-state (voluntary) pension provision (also includes corporate pension provision)

• 1. Everyone is guaranteed social security by age, in case of illness, disability, loss of a breadwinner, for raising children and in other cases established by law.
• 2. State pensions and social benefits are established by the state.
• 3. Voluntary social insurance and the creation of additional forms are encouraged social security and charity.

• SNILS is the insurance number of a citizen’s individual account in the compulsory pension insurance system. SNILS and insurance certificate are issued once for life.

• To form a pension
• To receive government services and benefits
• To receive government services electronically
• To reduce the number of documents when receiving government services

• Insurance (for compulsory pension insurance)
• Social (for state pension provision)
• Voluntary (for state pension provision)
• Cumulative (for compulsory pension insurance)

• A monthly cash payment to compensate persons insured in the compulsory health insurance system for wages and other payments lost due to the onset of incapacity due to old age or disability.
• The general rate of insurance contributions for compulsory pension insurance is 22%. Part of the tariff of insurance premiums for compulsory health insurance, 6% is a solidarity tariff. It is intended to generate nationwide funds necessary for fixed payments to pensioners.
• The rest of the insurance premium rate - 16% - is an individual rate. Funds received under this tariff are reflected in the person’s individual personal account with the Pension Fund.

• Cash payments to citizens who, for various reasons, were unable to earn an insurance pension (a disabled person from childhood or a person, due to various life circumstances, did not acquire insurance experience and pension points).
• The social pension is assigned upon reaching the age of 60 for women and 65 years for men, and for disabled people - from the date of establishment of disability.

• To receive such a pension, the future pensioner must enter into an agreement with a non-state pension fund and make personal contributions for a certain time.

• Formed at the request of the future pensioner.
• The funds that form a funded pension are called pension savings.
• These funds are similar to bank deposit funds. They do not go into the solidarity system, but are transferred by the Russian Pension Fund to a management company or a non-state Pension Fund (at the choice of the future pensioner).

• Option 1:

• Option 2:

Formation of insurance and funded pensions

Formation of an insurance pension

22%salary:

22%salary:

10% +

16% (for the formation of an insurance pension) +

6% (for the formation of a funded pension) +

6%

6% (to finance a fixed payment)

• If the employee’s wage fund is 18,000 rubles per month, the employer will allocate to his pension: 18,000 x 16% = 2,880 rubles.
• Of these, 1,800 rubles (10% of the tariff) will be allocated to the insurance pension, and 1,080 rubles (6% of the tariff) to the funded pension.
• If you decide to form only an insurance pension, then all 2880 rubles will be allocated to it. (16% tariff).

Choosing a pension option

• Remember!

The funded pension is not indexed by the state! When investing pension savings, you can get not only profits, but also losses, which can then affect the amount of the funded pension and the total amount of pension payments.

• How many pension points can a citizen with a monthly salary of 35,000 rubles earn per year?

First of all, let's calculate how many pension contributions will be transferred from such a salary per year.

To convert this amount into pension points, you need to divide it by the amount of contributions that are transferred to the pension from an annual salary of 711,000 rubles (maximum annual salary): 711,000 rubles. x 16% = 113,760 rub.

As a result, we get: 67200 / 113760 = 0.59.

The result obtained must be multiplied by 10. total: 0.59 x 10 = 5.9 points.

This is exactly how many pension points you could earn in 2015 from a salary of 35,000 per month (provided that the funded part was not formed).

An example of calculating pension points for a year

• If a citizen forms both insurance and funded pensions, under the same conditions the calculation looks like this.

Annual salary: 35,000 rub. X 12 months = 420,000 rub.

The total amount of insurance premiums at the 22% rate: 420,000 x 22% = 924,000 rubles.

To convert this amount into pension points, you need to divide it by the amount of contributions that are transferred to the pension from an annual salary of 711,000 rubles. : 711,000 rub. x 16% = 113,760 rub.

As a result, we get: 42000 / 113760 = 0.37.

We multiply the result by 10. Total: 0.37 x 10 = 3.7 points.

Forming a funded pension reduces pension points and your insurance pension!

• 1. Get SNILS and use its capabilities.
• 2. Work only where they pay “white wages”.
• 3. Choose your retirement option.
• 4. Participate in voluntary pension programs.
• 5. Monitor the status of your retirement account.
• 6. Don't rush into retirement.

• The total number of pension recipients under the Russian Pension Fund is 42.7 million people.
• The average old-age insurance pension in Russia in 2015 is about 13,000 rubles.
• Over 17 million children and adolescents in Russia have their own SNILS.
• Every year, 5.6 million people become participants in the Russian compulsory pension insurance system.
• 2 million people monthly visit the website of the Russian Pension Fund and use electronic services for accounting and formation of future pensions.

• 1. Who is the insurer in the compulsory pension insurance system?
• A. Payers of insurance premiums
• B. Management companies and non-state pension funds
• IN. Pension Fund of Russia, non-state pension funds.
• Answer: B .

• 2. What are insurance premiums?
• A. Mandatory social payments states.
• B. Payments to the state after retirement.
• IN. Monthly contributions from employers to the compensatory pension system.
• Answer: V.

• 3. What document confirms a person’s participation in the compulsory pension insurance system?
• A. Pensioner's ID
• B. Insurance certificate
• IN. Insurance contract with a pension fund
• Answer: B.

• 4. What information is not reflected in the individual personal account in the Pension Fund of Russia?
• A. Duration of insurance period
• B. Future pension size
• IN. The amount of insurance premiums paid by employers.
• Answer: B.

• 5. How can you find out how many points are accumulated in your pension account?
• A. From an extract from an individual personal account in the Pension Fund of Russia
• B. From the work book
• IN. In the management company
• G. In the account of the insured person on the Pension Fund website.
• Answer: A, G.

• 6. How does the insurance pension increase?
• A. Tax increases
• B. Investment return of the management company
• IN.
• Answer: V.

• 7. What will mainly determine the size of the pension under the new pension formula?
• A. Insurance experience
• B. Insurance premiums
• IN. Retirement age
• G. That's right
• Answer: G.

• 8. How does the funded pension increase?

• A. Annual state indexation

• B. Investment return of management companies.
• Answer: B.

• 9. Who can receive SNILS?

• A. Only citizens over 14 years old

• B. Persons registered in the OPS system, regardless of age.
• Answer: B.

• 10. Generally established retirement age in the Russian Federation?
• A. 45 years – for women, 55 years – for men.
• B. 55 years – for women, 60 years – for men.
• IN. 65 years for women and men.
• Answer: B.

• 11. For what period is the OPS insurance certificate issued?
• A. For a year
• B. For 15 years
• IN. Forever
• Answer: V.

• 12. What length of insurance coverage is required to assign a social pension?
• A. 1 year
• B. 5 years
• IN. 15 years
• G. Not required
• Answer: G.

• 13. What is the minimum insurance period required to assign an old-age insurance pension, starting in 2024?
• A. 5 years
• B. 10 years
• IN. 15 years
• Answer: V.

• 14. What is the maximum number of pension points a citizen can collect in 1 year?
• A. 1 point
• B. 10 points
• IN. 13.5 points
• Answer: B.

• 15. What is the minimum number of pension points required to assign an old-age insurance pension?
• A. 10 points
• B. 15 points
• IN. 30 points
• Answer: V.

• 16. Which non-insurance periods are not socially significant and are not included in the insurance period (no points are assigned)?
• A. Child care leave up to 1.5 years
• B. Vacation at your own expense
• IN. Period of military service upon conscription
• G. The period of study at the university.
• Answer: B, G.

Youth and youth -

to think about old age.

When establishing and paying pensions, the territorial bodies of the Pension Fund of the Russian Federation are guided by: the Agreement between the USSR and the Czechoslovak Republic on social security (Czech Republic - denunciation of the Treaty, Slovakia - Treaty without changes); Agreement between the USSR and the Romanian People's Republic on cooperation in the field of social security; Agreement between the USSR and the Hungarian People's Republic on cooperation in the field of social security; Agreement between the USSR and the Mongolian People's Republic on cooperation in the field of social security; Agreement on guarantees of the rights of citizens of member states of the Commonwealth of Independent States in the field of pensions, Temporary Agreement between the Government of the Russian Federation and the Government of Ukraine on guarantees of the rights of citizens who worked in the regions of the Far North and in areas equated to regions of the Far North, in the field of pensions from; Agreement between the Russian Federation and the Kingdom of Spain on social security; Agreement between the Government of the Russian Federation and the Government of the Republic of Moldova “On guarantees of the rights of citizens in the field of pension provision”; Agreement between the Government of the Russian Federation and the Government of the Republic of Kazakhstan on guarantees of pension rights of residents of the city of Baikonur of the Republic of Kazakhstan;

Agreement between the Government of the Russian Federation and the Government of Georgia on guarantees of the rights of citizens in the field of pension provision; Agreement between the Government of the Russian Federation and the Government of the Republic of Lithuania on pension provision; Agreement between the Russian Federation and the Republic of Belarus in the field of social security; Agreement between the Russian Federation and the Republic of Bulgaria on social security; Agreement between the Russian Federation and the Republic of Estonia on cooperation in the field of pensions from; Agreement between the Russian Federation and the Republic of Latvia on cooperation in the field of social security dated; Civil Code of the Russian Federation; Labor Code Russian Federation; Law of the Russian Federation “On Employment”; Law of the RSFSR “On the rehabilitation of repressed peoples”; Law of the Russian Federation “On social protection of citizens exposed to radiation as a result of the disaster at the Chernobyl nuclear power plant”; Law of the Russian Federation “On the rehabilitation of victims of political repression”; Law of the Russian Federation “On pension provision for persons who served in military service, service in internal affairs bodies, the State Fire Service, authorities for control of the circulation of narcotic drugs and psychotropic substances, institutions and bodies of the penal system, and their families”;

Federal Law from the Federal Law “On the social protection of citizens of the Russian Federation exposed to radiation as a result of the accident in 1957 at the Mayak production association and the discharge of radioactive waste into the Techa River”; Federal Law from the Federal Law “On additional social security for members of flight crews of aircraft” civil aviation"; Federal Law No. -FZ “On State Pension Provision in the Russian Federation”; Federal Law from the Federal Law “On Compulsory Pension Insurance in the Russian Federation”; Federal Law from the Federal Law “On Labor Pensions in the Russian Federation”; Federal Law “On additional monthly material support for citizens of the Russian Federation for outstanding achievements and special services to the Russian Federation” from the Federal Law; Federal Law “On the procedure for financing payments from pension savings” dated 360-FZ; Resolution “On approval of the Rules for one-time payments by the Pension Fund of the Russian Federation of pension savings of insured persons”; Order No. “On approval of the procedure for providing the Pension Fund of the Russian Federation to non-state Pension Funds with information necessary for non-state Pension Funds to assign a low-income labor pension, as well as other payments from pension savings funds”; Federal Law from the Federal Law “On Electronic Digital Signature”; Federal Law from the Federal Law “On social guarantees for citizens exposed to radiation as a result of nuclear tests at the Semipalatinsk test site”;

Federal Law from the Federal Law “On individual (personalized) registration in the compulsory pension insurance system”; Federal Law from the Federal Law “On Citizenship of the Russian Federation”; Federal Law from the Federal Law “On federal budget funds allocated to the Pension Fund of the Russian Federation for reimbursement of expenses for the payment of the insurance part of the old-age labor pension, disability labor pension and survivor’s labor pension to certain categories of citizens”; Federal Law from the Federal Law “On the Legal Status of Foreign Citizens in the Russian Federation”; Federal Law from the Federal Law “On Personal Data”; Federal Law from the Federal Law “On Information, Information Technologies and Information Protection”; Federal Law from the Federal Law “On Enforcement Proceedings”; Federal Law of the Federal Law “On Amendments to Certain Legislative Acts of the Russian Federation and Recognition of Invalidity of Certain Legislative Acts (Provisions of Legislative Acts) of the Russian Federation in Connection with the Adoption of the Federal Law “On Insurance Contributions to the Pension Fund of the Russian Federation, the Social Insurance Fund of the Russian Federation, Federal Compulsory Medical Insurance Fund and territorial compulsory medical insurance funds"; Federal Law from the Federal Law “On additional social security for certain categories of employees of coal industry organizations”; other federal laws and other regulatory legal acts.

Old-age labor pension In accordance with Article 3 of Law 173-FZ dated the following are entitled to an old-age labor pension: - Citizens of the Russian Federation insured in accordance with the Federal Law on Compulsory Pension Insurance in the Russian Federation dated 167-FZ, - Foreign citizens - Stateless persons Citizens of the Russian Federation are assigned a pension regardless of whether they have registration at their place of residence or not. Citizens submit an application for a pension to the territorial office of the Pension Fund at their place of residence. Citizens of the Russian Federation who do not have a place of residence confirmed by registration on the territory of the Russian Federation submit an application for a pension to the territorial body of the Pension Fund of the Russian Federation at their place of residence. Citizens of the Russian Federation who do not have a place of residence and place of stay confirmed by registration submit an application for a pension to the territorial body of the Pension Fund of the Russian Federation at the place of their actual residence. Citizens of the Russian Federation who have left for permanent residence outside the Russian Federation submit an application for a pension to the Pension Fund of the Russian Federation at the place of registration (permanent or temporary), or, in the absence of registration on the territory of the Russian Federation, to the Pension Fund of the Russian Federation. Foreign citizens and stateless persons permanently residing on the territory of the Russian Federation on an equal basis with citizens of the Russian Federation, except for cases established by Federal Law or an international treaty of the Russian Federation. Citizens of the republics of the former USSR who arrived for permanent residence in the Russian Federation are assigned a pension if they have permanent registration on the territory of the Russian Federation (based on the Agreement on Guarantees of the Rights of Citizens of Member States of the Commonwealth of Independent States in the field of pension provision from the city, bilateral agreements in the field of pension provision with the Republic of Moldova from , with the Lithuanian Republic from , with Georgia from )

Conditions for assigning an old-age labor pension 5 years of insurance experience 55 years old woman 60 years old man OLD AGE art. 7 IN OLD AGE one hundred years old woman birth of 5 children raising up to 8 years 15 years of insurance experience IN OLD AGE one hundred years old women 55 years old men child ID upbringing up to 8 years 15/20 years of insurance experience one of the parents guardians of the ID

The conditions for assigning an old-age labor pension are defined in Article 7. One of the conditions for the emergence of the right to an old-age labor pension on a general basis is the insured person reaching the generally established retirement age. This age is determined for men - 60 years, for women - 55 years. The second condition is that you have at least 5 years of insurance experience. Articles 27 and 28 define the conditions for granting an early retirement pension in old age, that is, before reaching the age established by Article 7 of the Law, while it is required to have an insurance period longer than 5 years and, in some cases, experience in certain types of work. Clause 1, clause 1 of Article 28 have the right to early assignment of a pension to: - women who gave birth to five or more children and raised them until the age of 8, upon reaching the age of 50, if they have at least 15 years of insurance experience. That is, the basis for early assignment of a pension is the birth of 5 children in combination with raising these children up to a certain age - one of the parents of the ID, who raised them until they reach the age of 8 years: m-55 years at insurance experience 20 years and f-50 years with an insurance period of 15 years. Since the legislator does not provide other conditions, the age of the child at which he is recognized as an ID and the period during which the child was ID, as well as that by the time the parents reach retirement age, the child is no longer disabled or has died, when determining the right to early retirement doesn't matter. Based on the provisions of the article, the recipient of an early pension can be one of the parents of an ID child, that is, the father will have the right if the mother did not take advantage of this right, or switched from an early pension for an ID child to another type of pension, or there is more than one in the family child ID, or pension terminated due to the death of the mother.

Early old-age pension for guardians of ID 15 / 20 years of insurance experience child ID up to 8 years of age 50 years old women 55 years old men The age provided for in Article 7 (55/60 years) is reduced by 1 year for every 1 year and 6 months of guardianship, but for no more than 5 years in total, guardianship over the child was established until the age of 8; the child was an ID at the time of guardianship

About ID's caregivers or persons who were ID's guardians and raised him until he reached the age of 8 years. The right to early pension provision upon reaching a certain age (years) and in the presence of appropriate work experience (15-20 years) is conditioned by the education of IDs until they reach the age of 8 years. An early old-age pension is assigned to the guardian of an individual with a reduction in the age provided for in Article 7 by 1 year for every 1 year. and 6 months guardianship, but not more than 5 years in total. When calculating the duration of the period of guardianship to determine the right to reduce the retirement age, it is important that guardianship of the child is established until he reaches the age of 8 years and during which time the child was recognized as an ID. If guardianship is established after the age of 8, then the condition of the law - raising a child until the age of 8 - is not met. Law 77-FZ amended subparagraph 1 of paragraph 1 of Article 28. Before the changes, the right to early retirement was given to the ID’s mother, who raised him until he was 8 years old (at age 50 with 15 years of insurance coverage). This norm is valid from the date of entry into force of the law. Adopted children are also taken into account when determining eligibility. Unlike adoptive parents adoptive parents do not have the right to early establishment of a pension, since they are not expressly provided for by the legislator.

In addition, in accordance with the Law of the Russian Federation of April 19, 1991 On Employment in the Russian Federation, unemployed citizens have the right to an early retirement pension in old age at the proposal of the state employment service. This pension is established only if the insurance period is at least years. In contrast to the old-age labor pension, on the basis of the law of 173-FZ, the early old-age labor pension, at the proposal of the employment service, is established for a period until reaching retirement age.

Insurance experience (Articles 10-13) According to Article 2 of the Law, insurance experience is understood as the total duration of periods of work and other activities taken into account when determining the right to a labor pension, during which insurance contributions were paid to the Pension Fund of the Russian Federation, as well as other periods counted in insurance experience. Article 10 (clause 1) provides for the mandatory payment of contributions to the Pension Fund. At the same time, by Resolution No. 9-P of the Constitutional Court of the Russian Federation, the provisions of paragraph 1 of Article 10 of Law 173-FZ regarding the non-inclusion of periods of work in the insurance period in case of non-payment of contributions were recognized as inconsistent with the Constitution of the Russian Federation. Thus, taking into account the Resolution of the Constitutional Court of the Russian Federation of the year when assigning a labor pension, the right to a pension is determined regardless of the payment by the employer-insurer of insurance premiums for periods of work included in the insurance period under paragraph 1 of Article 10 of Law 173-FZ.

MILITARY SERVICE RECEIPT OF UNEMPLOYMENT BENEFITS CARE OF ONE OF THE PARENTS FOR A CHILD UP TO 1.5 YEARS OLD (but not more than 3 years) RECEIPT OF COMPULSORY SOCIAL INSURANCE BENEFITS KEEPING IN DETENTION OF PERSONS UNREASONABLY DETECTED TO CRIMINAL LIABILITY CARE PROVIDED BY AN WORKABLE PERSON , FOR ID, INV. 1 gr., PERSON OVER 80 YEARS OF AGE RESIDENCE OF SPOUSES OF MILITARY SERVERS SERVING UNDER CONTRACT WITH THEIR SPOUSES IN AREAS WHERE THEY ARE NOT ABLE TO WORK DUE TO LACK OF EMPLOYMENT OPPORTUNITIES (no more than 5 years) RESIDENCE ABROAD OF SPOUSES OF EMPLOYEES SENT TO DIPLOMATIC, CONSULAR POSTS OF THE RF, REPRESENTATIONS OF THE RF IN FOREIGN STATES (no more than 5 years) OTHER PERIODS (Article 11)

Article 11, paragraph 1. Along with periods of work, the insurance period includes other periods provided for in paragraph 1 of Article 11. Read from the slide. Subparagraphs 7 and 8 of Article 11 have been supplemented in accordance with Federal Law No. 146-FZ. Article 11, paragraph 2 All other periods specified in paragraph 1 of Article 11 are counted towards the insurance period if they were preceded or followed by periods of work or other activity, regardless of their duration, specified in Article 10 of the Law. In order to protect the interests of citizens who earned pension rights before the changes were made, measures were taken to protect rights - the Resolution of the Constitutional Court from P. When determining the right to a retirement pension, the insurance period and the assessment of pension rights can be determined: according to the norms of the Federal Law from the Federal Law with the application of the provisions Resolutions of the Ministry of Labor and Social Development of the Russian Federation dated, taking into account the Resolution of the Constitutional Court of the Russian Federation dated P. From January 1, 2010, Federal Law dated 213-FZ in Art. 30 of Federal Law 173-FZ introduced the norms of the law dated 11. Calculation of the insurance period required to acquire the right to a retirement pension, in accordance with Article 12 of the Law, is carried out in calendar order. If several periods coincide in time, provided for in Articles 10 and 11, which are discussed above, when calculating the insurance period, one of them is taken into account at the choice of the person applying for a pension.

Rules for calculating SS article 13 Rules for calculating SS article 13 Documents issued by employers or state (municipal) bodies Information about individual personalized accounting Procedure for confirming SS BEFORE REGISTRATION in the PU system AFTER REGISTRATION in the PU system RF GOVERNMENT DECREE dated 555

Article 13 This article of Law 173-FZ stipulates the calculation rules and the procedure for confirming insurance experience. When calculating the insurance period, the periods of work and other activities that are provided for in Articles 10 and 11 of the Law, before registering a citizen as an insured person in accordance with the Federal Law on Individual (Personalized) Registration in the Compulsory Pension Insurance System, are confirmed by documents issued in the prescribed manner by employers or relevant state (municipal) bodies. When calculating the insurance period, the periods of work provided for in Articles 10 and 11 of this Law, after registering a citizen as an insured person in accordance with the Federal Law on Individual (Personalized) Accounting in the Compulsory Pension Insurance System, are confirmed on the basis of individual (personalized) accounting information. According to paragraph 3 of Article 13 of the Law, when calculating the insurance period, periods of work on the territory of the Russian Federation before registering a citizen as an insured person in accordance with the Federal Law on Individual (Personalized) Registration in the Compulsory Pension Insurance System can be established on the basis of the testimony of two or more witnesses, if the documents about work lost due to natural disaster(earthquake, flood, hurricane, fire, and similar reasons) and it is impossible to restore them. In some cases, it is possible to establish length of service based on the testimony of two or more witnesses in case of loss of documents and for other reasons (due to careless storage, intentional destruction and similar reasons) not through the fault of the employee. The rules for calculating and confirming the insurance period for establishing labor pensions were approved by the Decree of the Government of the Russian Federation of July 24, 2002. 555.

Structure and Amount of old-age labor pensions The Federal Law of 213-FZ amended Article 5: the old-age labor pension can consist of 2 parts P = SC + LF SC – insurance part LF - the accumulative part of the Word may consist of meaning that the AP can refuse the MF of the labor pension or in the absence of insurance contributions in the special part of the LS, accordingly there will be no LF. The size of the labor pension is determined on the basis of the relevant data available to the body providing pensions as of the day on which this body makes a decision on the assignment of a labor pension, and in accordance with the regulatory legal acts in force on that day (clause 1 of Article 17).

FIXED BASIC SIZE OF INSURANCE PART FOR PERSONS OF PENSION AGE DISABLED INDIVIDUALS OF 2nd GROUP PERSONS WHO HAVE REACHED 80 YEARS OF AGE DISABLED INDIVIDUALS OF 1ST GROUP IF THERE IS A DEPENDENT OF 1 DISABLED FAMILY MEMBER (but no more than 3) IF THERE IS 15 L ET EXPERIENCE IN RKS AND 20/25 YEARS INSURANCE EXPERIENCE * 1.5 * 1.3 IF THERE ARE 20 YEARS OF EXPERIENCE IN IPS AND 20/25 YEARS OF INSURANCE EXPERIENCE

The fixed basic amount of the insurance portion (FBI) of the FBI old-age pension is determined in accordance with paragraphs 1-4 of Article 14, depending on the category of the pensioner. The warhead size can be set to increased size for northerners, the FBR can be recalculated on the grounds provided for in paragraph 2 of Article 17: - the pensioner reaches the age of 80 years - a change in the degree of limitation of the ability to work, - a change in the number of disabled family members In accordance with paragraph 6 of Article 17, the amount of the FBR is indexed as part of pensions taking into account the rate of price growth. The indexation coefficient and its frequency are determined by the Government of the Russian Federation. Starting from the year, when establishing a fixed base size of the average old-age labor pension for each full year of insurance experience exceeding 30 years for a man and 25 years for a woman on the day of assignment of the insurance part of the old-age labor pension for the first time and for citizens entitled to early assignment of a labor pension for old age in accordance with Articles 27-28, on the day of reaching the age provided for in Article 7, increases by 6%. Periods of work (Article 10) and other periods specified in Article 11, paragraph 1, paragraph 1 are included in the insurance period. 1 (military service by conscription), 3,6,7,8, and the calculation is carried out on a calendar basis. If the insurance period does not reach 30 years for men and 25 years for women (with the exception of citizens entitled to early assignment of a labor pension in accordance with Articles 27-28), the fixed basic amount of the insurance portion is reduced by 3% for each full year missing until age 30 or 25. The insurance period includes periods of work under Article 10 and other periods under Article 11.

TABLE OF THE EXPECTED PENSION PAYMENT PERIOD (Article 32, paragraph 1)…. 228 year of appointment payment period Period of expected pension payment In accordance with Article 32 of Law 173-FZ, the expected payment period T when determining the size of the insurance part of the labor pension from the year is set at 12 years (144 months) and increases annually by 6 months until the age of 16 and then increases by one year each year until age 19 (228 months). When assigning an old-age labor pension in more than late age than provided for in Article 7 of Law 173-FZ, T is reduced by 1 year for the full year that has elapsed from the date of reaching the specified age, but not less than 14 years (168 months).

ESTIMATED PENSION CAPITAL Art. 30 AMOUNT OF INSURANCE PREMIUMS AMOUNT OF COMPENSATION FOR NON-INSURANCE PERIODS AMOUNT OF VALORIZATION art. PENSION CAPITAL art. 29.1

EXAMPLE 1 EXAMPLE 1 WORK EXPERIENCE up to years 5 months. 4 days WORK EXPERIENCE up to 1 year 11 months. 28 days WHAT PERCENTAGE WILL BE APPLIED WHEN CALCULATING THE AMOUNT OF VALORIZATION? EXAMPLE 2 EXAMPLE 2 CHILD born DISABILITY - from year GUARDIANESS - from year to year WILL THE GUARDIAN HAVE THE RIGHT TO REDUCE THE AGE AND FOR HOW MANY YEARS?

Pension capital PC = RPK for the year x K indexation coefficient + SV valorization amount + amount of contributions to the LP on the date of pension assignment + SVN amount of compensation for non-insurance periods RPK is formed by converting the pension rights acquired by the AP for the year in the manner prescribed by Article 30, with In this case, the indexation coefficients preceding the date of establishment of the pension are applied to the calculated amount of the pension (more about the calculation of PC - Gerasimenko) SV - the amount of valorization, Article 30.1 stipulates that the amount of the RPC, calculated in accordance with Article 30, is subject to valorization, that is, increase. The amount of valorization is 10% of the RPC value as of the year and, in addition, 1% of the RPC value for each year of total work experience acquired before January 1, 1991. In order to valorize the PKK, the total length of service includes periods of work and other socially useful activities that were included in the total length of service for the purpose of assessing pension rights in accordance with Article 30. The inclusion of the relevant periods of work activity in the total length of service is carried out in the same manner as was applied when determining the RPC. At the same time, the duration of the total length of service taken into account for the purposes of valorization is not subject to limitation.

The PC is formed by recording insurance premiums on the individual's personal data sheet from the year to the day from which this person is assigned a minimum labor pension. The procedure for accounting for insurance premiums is determined by the Rules for accounting for insurance premiums included in the RPK, approved by the Decree of the Government of the Russian Federation dated 18. According to the above Rules, the amounts of insurance premiums are included in the RP in the period in which they were actually received. However, by decision of the Constitutional Court of the Russian Federation dated No. 9-P, it was determined that in the event of non-payment or incomplete payment by the policyholder (employer) of insurance premiums for certain periods of labor activity of the insured person working under an employment contract, the calculation of PC should be made taking into account the received (paid) insurance premiums , and unpaid insurance premiums. The amount of insurance contributions is indicated in the extract from the personal account of the individual and is taken into account as of the day from which the minimum labor pension is established for the specified person. Insurance contributions received by the Pension Fund to finance the insurance part of labor pensions are taken into account in the PC for each year on an accrual basis during the entire period preceding the assignment of the pension. Insurance premiums are indexed in accordance with the Decree of the Government of the Russian Federation. SVN - the amount of compensation for non-insurance periods In accordance with Federal Law No. 18-FZ, non-insurance periods provided for in paragraphs 1 and 3 of paragraph 1 of Article 11 and included in the insurance period are subject to compensation. This is the period of military service under conscription and other equivalent service and the period of child care up to 1.5 years.

This law came into force on April 3, 2005. The specified periods are subject to compensation only if they are not taken into account in the length of service coefficient when calculating the estimated pension amount as of the year. The amount of compensation for non-insurance periods is included in the amount pension capital, used in determining the size of the average labor pension. Federal Law 146-FZ dated 2009 introduced additions and changes to federal laws dated 173-FZ and 18-FZ. Non-insurance periods have been added to paragraph 1 of Article 11 of Law 173-FZ (clauses 6,7,8): - the period of care provided by an able-bodied person for a disabled person of group 1, disabled child or for a person who has reached the age of 80 years; - the period of residence of spouses of military personnel performing military service under a contract, together with their spouses, in areas where they could not work due to lack of employment opportunities, but not more than 5 years in total; - the period of residence abroad of spouses of employees sent to diplomatic missions and consular offices of the Russian Federation, permanent missions of the Russian Federation to international organizations, trade missions of the Russian Federation in foreign countries, representative offices of federal executive authorities or as representatives of these bodies abroad, as well as to representative offices of state institutions of the Russian Federation (USSR) abroad and international organizations, the list of which is approved by the Government of the Russian Federation, but not more than five years in total. From. Other periods included in the insurance period on the basis of Article 11 are subject to compensation only if the length of service coefficient does not exceed 0.75.

Clause 20 of Article 14 The amount of the insurance part of the old-age labor pension of the insured person who was the recipient of the disability labor pension, when establishing, in accordance with paragraph 4.1 of Article 19, the SC of the old-age labor pension upon reaching retirement age and the size of the old-age labor pension of the person who was the recipient of the old-age pension disability for a total of at least 10 years, cannot be less than the amount of the labor disability pension that was established for the specified persons as of the day from which the payment of the specified disability pension was stopped. Recalculation of the size of labor pensions The current pension legislation provides for several grounds for recalculating the average labor pension. Paragraph 3 of Article 17 of the Law determines the recalculation of the amount of the minimum labor pension at the request of a person carrying out work or other activities provided for in Article 10 of the Law, no less than for 12 full months from the date of assignment of the insurance part of the labor pension, or from the date of the previous recalculation (adjustment) the amount of the specified part of the labor pension. Carrying out work for at least 12 full months means a period of time from the date of appointment or previous recalculation of at least 12 full months. Consequently, in the specified period, the duration of the periods of actual work may be less than 12 months. Law 213-FZ introduced an addition to paragraph 3 of Article 17 regarding the recalculation period, namely 12 months from the date of pension assignment, from the date of recalculation (adjustment). The amount of the insurance part of the old-age (disability) labor pension is recalculated using the formula SCh = SChp + PKp / (T * K)

SCh - the amount of the insurance part of the old-age labor pension SChp - the established amount of the insurance part of the old-age labor pension as of the day from which the corresponding recalculation is made PKp - the amount of the estimated pension capital as of the day from which the corresponding recalculation is made Addition to 213-FZ : when determining the IPC amount for recalculation, insurance premiums taken into account during the adjustment are not taken into account. T – the number of months of expected payment of old-age pension as of the day immediately preceding the day of recalculation, while in accordance with clause 7 of Art. 14 when recalculating the average labor pension for old age, T is reduced by 1 year for each full year that has elapsed from the date of assignment of the pension, K is the coefficient for calculating the amount of labor pension for old age = 1 and for disability = the ratio of the standard duration of the disabled person’s insurance period as of the day , from which recalculation is made to 180 months. The provisions of paragraph 4 of Article 17 of the Law establish the rules according to which, in the event of a pensioner’s refusal to receive the insurance part of the old-age labor pension established for him (in full or in the part determined by him), for at least 12 full months from the date of assignment of the insurance part of the old-age labor pension or from the date of the previous recalculation of the amount of this part of the specified pension, carried out in accordance with this paragraph, upon his application, the insurance part of the old-age labor pension is recalculated. In this case, the amounts of the insurance part of the old-age labor pension not received by the pensioner for the specified period are subject to crediting to his individual personal account. The amount of the insurance part of the old-age labor pension is recalculated according to the formula specified in paragraph 3 of Article 17 above.

Adjustment of the size of labor pensions Clause 5 of Article 17 of the Law provided that the size of the insurance part of the labor pension is subject to adjustment taking into account the clarification, according to individual (personalized) registration in the compulsory pension insurance system, of information previously provided by the policyholder on the amount of insurance contributions paid by him to the Pension Fund of the Russian Federation. Federation taken into account when determining the amount of the estimated pension capital for calculating the size of this part of the specified pension. Such an adjustment was made from July 1 of the year following the year in which the assignment of a labor pension or recalculation of the amount of a labor pension occurs, in accordance with paragraphs 3 and 4 of Article 17 of the Law. The adjustment, unlike recalculation, was made not at the request of the pensioner, but at the initiative of the territorial body of the Pension Fund. In fact, the adjustment was the responsibility of the pension authority, arising in the event of discrepancies between the information on the amount of insurance contributions taken into account when determining the amount of the insurance part of the labor pension of this person, and data from individual (personalized) accounting in the compulsory pension insurance system about the amount of insurance contributions actually received for it. In contrast to the recalculation under clause 3 of Article 17, no additional payment is made from the date of establishment of the minimum labor pension, and there is also no deduction of overpaid amounts. Amendments to 213-FZ - adjustments to the size of the labor pension for old age (disability) are made from August 1 of each year according to individual personal account data based on information about the amount of insurance contributions received by the Pension Fund budget, which were not taken into account when determining the RPC when assigning a pension, or during a previous recalculation and adjustment. A pensioner may refuse to adjust the NAV by submitting an appropriate application. The size of the average labor pension under the SPC is subject to adjustment from August 1 of the year following the year in which the pension was assigned. SCh = SChp + PKr / (T * K) / KN, where KN is the number of disabled family members as of August 1 of the year in which the adjustment is made

The procedure for assigning and recalculating the size of pensions is stipulated in Article 18. In accordance with paragraph 1 of Article 18 of the Law, the assignment and recalculation of labor pensions is carried out by the body providing pension provision at the place of residence of the person applying for a labor pension. The list of documents required to establish a labor pension, the rules for applying for said pension, its assignment and recalculation, including for persons who do not have a permanent place of residence on the territory of the Russian Federation, transfer from one type of pension to another, is established in the manner determined by the Government of the Russian Federation Federation. The rules for applying for a pension, assigning a pension and recalculating the amount of a pension and recalculating the amount of a pension, transferring from one pension to another are a normative legal act regulating the procedure for applying for a labor pension, the procedure for consideration by the body providing pensions of applications and documents submitted in confirmation of entitlement for a pension, the procedure for assigning a pension, recalculating the amount of a pension, switching from one type of pension to another. The territorial body of the Pension Fund of the Russian Federation has the right to check the validity and reliability of the issuance of the submitted documents, their compliance with individual (personalized) accounting information, to require legal entities and individuals to provide documents necessary for assigning a pension, recalculating its amount, transferring from one pension to another. The Rules establish the possibility of applying for an old-age pension in advance, that is, before reaching retirement age, but not earlier than a month before the right to this pension arises. The application of a citizen applying for a pension is accepted by the body providing pensions and registered in a special journal, the form of which is established in accordance with the rules for maintaining pension documentation. Registration of an application is a procedural action that is associated with certain legal consequences. First of all, the date of registration by the territorial body of the Pension Fund of the Russian Federation of the application submitted by the citizen is of procedural significance. The day the application was received, recorded by the territorial body in a special journal, is important in determining the timing of the pension.

The individual (personalized) accounting information required for assigning a pension in the state pension insurance system, including missing information, is provided by the relevant service of the territorial body of the Pension Fund of the Russian Federation in addition to the documents submitted to the applicants. Law 213 made changes to the part of the individual income tax, since the individual income tax cannot be a missing document, and therefore the amount of the pension is calculated based on the documents submitted by the applicant and on the basis of the information available on the citizen’s personal account. Recalculation of the pension amount is carried out on the basis of the pensioner’s application, with the exception of cases expressly provided for by law, when the recalculation depends on the time of occurrence of circumstances leading to a reduction in the amount of the pension. Thus, when recalculating the amount of the pension, it is proposed to distinguish between the procedure for recalculating the amount of the pension downward and the procedure for recalculating the amount pensions are increasing. The recalculation of the pension amount downwards is carried out on the initiative of the territorial body of the Pension Fund of the Russian Federation, since the time frame from which it is carried out is not linked to the date of submission of the corresponding application by the pensioner. To recalculate the amount of the established pension upward, the will of the pensioner is required, which, according to the Rules, in the interests of the pensioner can be formalized at different stages of the pension process. Such consent should be formalized by filling out a special line in the application for a pension (for example, during the initial application). If the application is completed in the above order, then the corresponding recalculation of the pension amount will be made by the territorial body of the Pension Fund automatically. The date of application for recalculation of the pension amount, transfer from one pension to another, restoration of a previously assigned pension is considered the day the application is received with all necessary documents body providing pensions.

Information about the individual (personalized) accounting of the insured person, necessary for the recalculation of the labor pension, is provided by the individual (personalized) accounting service in the form of an extract from the individual personal account of the insured person, certified by a seal and signature. This extract is a necessary document and is not one of the documents that the applicant himself must submit. In this regard, the PU service is obliged to issue an extract from the individual personal account to the pension service within the procedural time frame provided for consideration of the application for recalculation of the pension amount. An application for recalculation of the amount of a labor pension is considered no later than 5 days from the date of receipt of the application with all the necessary documents. In contrast to the procedure for applying for a labor pension, an application for recalculation of the amount of a labor pension is accepted subject to the simultaneous submission by the pensioner of all necessary documents. There is no grace period for additional submission of documents when applying for recalculation of the amount of the labor pension. Recalculation of the amount of the labor pension cannot be carried out if the submitted extract from the individual personal account of the insured person contains incomplete information or if the extract is not submitted within the established five-day period. Considering that an extension of the period for consideration of an application for recalculation of the amount of the labor pension for the submission of missing documents is not allowed, the territorial body of the Pension Fund of the Russian Federation is obliged to make a decision to refuse to recalculate the amount of the labor pension. However, if the required extract is submitted after the order has been issued to refuse to recalculate the amount of the labor pension, that is, later than the established five-day period, then the territorial body of the Pension Fund of the Russian Federation must cancel this order as made without sufficient grounds. Instead, an order should be issued to recalculate the amount of the pension from the 1st day of the month following the month in which the corresponding application of the pensioner was previously accepted.

The terms of assignment and recalculation of the labor pension are specified in Article 19. The old-age labor pension (part of the labor pension) in accordance with paragraph 1 of Article 19 of the Law is assigned from the day of application for the specified pension or part thereof, with the exception of the cases provided for in paragraph 4 of Article 19, namely from the day , following the day of dismissal from work, if the application for the specified pension or part of this pension followed no later than 30 days from the date of dismissal from work. The day of application for a labor pension or part of it is considered the day the body providing pension provision receives the corresponding application with all the necessary documents. If the specified application is sent by mail and all the necessary documents are attached to it, then the day of application for a labor pension or part of it is considered the date indicated on the postmark of the federal postal service organization at the place of departure of this application. In the event that not all necessary documents are attached to the application, the body providing pension provision gives the person applying for a labor pension an explanation of what additional documents he must submit. If such documents are submitted no later than 3 months from the date of receipt of the corresponding clarification, the day of application for a labor pension or part thereof is considered to be the day of receipt of the application for assignment of a labor pension, its part or the date indicated on the postmark of the federal postal organization at the place of departure of this statement (clause 3 of Article 19). An old-age labor pension is assigned earlier than the day of application for a labor pension in the event that the application for said pension follows no later than 30 days from the date of dismissal from work. In this case, the pension is established from the day following the day of dismissal. In accordance with paragraph 5 of Article 19, an application for the assignment of a labor pension or part of a labor pension, an application for transfer from one type of pension to another is considered no later than 10 days from the date of receipt of this application or from the date of submission of additional documents. In case of refusal to satisfy the specified application, the body providing pension provision, no later than 5 days after the relevant decision is made, notifies the applicant about this, indicating the reasons for the refusal and the procedure for appealing it, and at the same time returns all documents.

In accordance with paragraph 7 of Article 19, a transfer from one type of labor pension to another, as well as from another pension established in accordance with the legislation of the Russian Federation, to a labor pension is made from the 1st day of the month following the month in which the pensioner filed an application for transfer from one type of labor pension to another, or from another pension to a labor pension with all the necessary documents, but not earlier than the day the right to a labor pension is acquired. According to paragraph 1 of Article 20 of the Law, recalculation of the amount of the labor pension or part of the labor pension in accordance with paragraphs 2-4 of Article 17, except for the cases provided for in paragraph 3 of Article 20, is carried out: - from the 1st day of the month following the month in which the circumstances occurred , entailing a recalculation of the size of the labor pension downwards; - from the 1st day of the month following the month in which the pensioner’s application to recalculate the amount of the labor pension or part of it upward was accepted. According to paragraph 3 of Article 20 of the Law, the recalculation of the basic part of the old-age labor pension in connection with a change in the degree of limitation of the ability to work is carried out in the following order: - if a higher degree of limitation of the ability to work is established - from the date the body of the State Service of Medical and Social Expertise issues appropriate decision; - in connection with the pensioner reaching the age of 80 years - from the day the pensioner reaches the specified age; - when a lower degree of limitation of the ability to work is established - from the 1st day of the month following the month in which the previous degree of limitation of the ability to work was established. As defined by paragraph 4 of Article 20 of the Law, a pensioner’s application for recalculation of the amount of the labor pension must be considered no later than 5 days from the date of receipt of the said application with all the necessary documents. In case of refusal to satisfy this application, the body providing pension provision, no later than 5 days from the date of the relevant decision, notifies the applicant about this, indicating the reasons for the refusal and the procedure for appealing and at the same time returns all documents.

Documents required to establish a labor pension Documents required to establish an old-age labor pension are specified in the List of documents required to establish a labor pension and state pension in accordance with the Federal Laws On Labor Pensions in the Russian Federation and On State Pensions in the Russian Federation , approved by the Resolution of the Ministry of Labor of Russia and the Pension Fund of the Russian Federation dated 16/19 p.b. Order of the Ministry of Health and Social Development of the Russian Federation dated 1521n approved the “Administrative Regulations for the provision of public services for the acceptance and registration of applications from citizens for the establishment of pensions in accordance with the Federal Laws “On Labor Pensions in the Russian Federation” and “On State Pensions in the Russian Federation”. The administrative regulations provide for the documents necessary to establish an old-age pension.

Memo on the list of documents required for an old-age (disability) pension: a citizen must submit documents: - identification, age, place of residence, citizenship; - in the absence of permanent registration - a document about the place of stay or actual residence in the territory of the Russian Federation; - about insurance experience (work book; certificates of periods of work not included in the work book); - about periods of military service; -about education; about the birth of children. If necessary, documents must be submitted: - on average monthly earnings for 60 consecutive months before January 1, 2002. To assess the expected earnings, a table of the average monthly salary in the country by year is provided on the back of the Memo. If you choose to calculate wages for the year, you do not need to submit a certificate; the authorities of the Pension Fund of the Russian Federation have information about the specified earnings; - about changing the surname, name, patronymic; - for persons over 18 years of age - a certificate of full-time study; - on confirmation of the fact that disabled family members over 18 years of age are dependent (copy of the personal account from the place of residence of cohabitation, income certificates of all family members, other documents containing the necessary information); - on the right to raises and supplements to pensions established by the legislation of the Russian Federation for certain categories of citizens as of the city.

Documents that can be submitted by a citizen on his own initiative (otherwise they will be requested by the Pension Fund specialist independently): - about disability; to confirm other periods counted in the insurance period: - about the periods of receiving unemployment benefits; - on confirmation of periods of residence of spouses of military personnel undergoing military service together with their spouses, where they could not work due to lack of employment opportunities; - from the tax authorities on declared income, certificate of payment of a single tax (for individual entrepreneurs).

Description of the presentation by individual slides:

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Pension system of Russia (round table lesson) Prepared by: Bezrukova Galina Sergeevna, teacher of history and social studies MAOU "Secondary School No. 17", Gubkin, Belgorod region

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To increase the pension and social literacy of students, their interest in the formation of a future pension; -continue to form a new “retirement culture” among young people; -increase students’ confidence in the reliability of state social and pension provision; -to form an understanding of everyone’s personal responsibility for future pension provision; -stimulate personal initiatives to increase pensions through the formation of additional pension savings; Lesson objectives:

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Inform students about the pension rights of Russian citizens, rights to social benefits and benefits; -give basic knowledge in the field, the history of pensions in Russia, pension legislation; -to form an adequate understanding of the place, functions and powers of the Pension Fund in the country’s pension and social security system; -tell us about ways to increase your future pension: about the Program state co-financing pension savings, methods of investing pension savings. Lesson Objectives

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1. History of pension provision in Russia 2. Pension Fund of the Russian Federation. Three levels of pension benefits 3. How to increase your future pension 4.Helpful tips Lesson plan:

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996 - Grand Duke Vladimir the Holy issued a Charter, according to which social charity was given under the patronage of the church 1663 - (under Alexei Mikhailovich) - pension for crippled, wounded, elderly soldiers in the form of an estate or land plot. The end of the 18th century (under Catherine the Great) - a monetary form of pension payments. Tue floor. 19th century - pension for private enterprise (form - funded and insurance, deductions from salary) 1917, 1918, 1924, 1925 - pensions for various categories of citizens (the amount depended on salary, working conditions and family composition) 2002 - new pension system History

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1. Everyone is guaranteed social security by age, in case of illness, disability, loss of a breadwinner, for raising children and in other cases established by law. 2. State pensions and social benefits are established by law. Voluntary insurance, the creation of additional forms of social security and charity are encouraged. Constitution of the Russian Federation, art. 39:

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Federal Law “On Labor Pensions in the Russian Federation” Federal Law “On State Pension Insurance 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 “ About non-state pension funds" Federal laws Russian Federation on pensions

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A pension is a regular cash benefit paid to persons who: have reached retirement age (old-age pension), are disabled, or have lost their breadwinner. What is a pension? By old age By disability By loss of a breadwinner

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INSURER - the Pension Fund of Russia (PFR) keeps records of the pension rights of citizens and non-state pension funds PARTICIPANTS OF PENSION INSURANCE INSURED - employer, individual entrepreneur The policyholder submits information to the Pension Fund of Russia, transfers insurance premiums, both within the framework of compulsory pension insurance, and additional insurance premiums at the request of the employee. INSURED PERSON

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The insurance certificate is presented: When applying for a job; Upon conclusion employment contract; When contacting the pension authorities on any issue, including the assignment (recalculation) of a pension. The insurance certificate is subject to exchange in the event of: Change of last name, first name, patronymic, date or place of birth; Determining inaccuracy of information; Unsuitability for use Insurance certificate of compulsory pension insurance

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SNILS is the insurance number of a citizen’s individual personal account in the compulsory pension insurance system. More than 17 million children and teenagers have already received their SNILS SNILS is the key to electronic Russia. SNILS is used for identification when a citizen receives state and municipal services, including electronically through the Internet portal www.gosuslugi.ru. Why do adults and children need SNILS?

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Components of a labor pension Depend on your income before retirement. You can dispose of it as you wish. Only Russian citizens born in 1967 have a funded part of their pension. PENSION SIZE = BC + MF + LF

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Types of labor pensions Labor pensions For old age For disability For the loss of a breadwinner

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Passport (residence permit) of a citizen of the Russian Federation; - insurance certificate of compulsory pension insurance; - birth certificate of children; -work book(script); - military ID (for men). When applying for an old-age labor pension, you must submit the following documents:

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WHAT IS IMPORTANT FOR A LABOR PENSION? PENSION HAVE A LARGE AMOUNT OF INSURANCE PREMIUMS PAID TO THE PFR BE INSURED IN THE PU SYSTEM AND KNOW YOUR RIGHTS AND OBLIGATIONS KNOW THE CONDITION OF THE ILS AND CONTROL THE PAYMENT OF INSURANCE PREMIUMS TO THE PFR FROM THE BEGINNING OF YOUR EMPLOYMENT PERFORMANCE BE ABLE TO EVALUATE AND SELECT MANAGEMENT MANAGEMENT, NPF FOR INVESTING PENSION SAVINGS BE ABLE TO OPTIMALLY USE NOTICES Pension Fund

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Within 5 years after starting work, you must submit an application to the Pension Fund to choose Management company or a Non-State Pension Fund to form the insurance and savings part of one’s pension. Non-state pension funds are non-profit social security organizations created specifically for the provision of pensions to citizens. The main activities of NPFs are voluntary (non-state) pension provision and professional pension insurance. The activities of NPFs are strictly controlled by the state. Non-state pension funds (NPF) and management companies