Changes in the retirement age per year. pension reform. The basic formula for calculating a pension

2017 was marked amendments to the pension legislation. The adjustments affected, first of all, the amount of payments and the procedure for their appointment for individual citizens. Let's take a look at the new changes in pension legislation.

General information

The first changes in 2017 are related to suspended provisions related to the indexation of amounts. They started working again. As the Prime Minister promised, the amount of social and insurance payments will be indexed in full.

Provided changes in pension legislation for military personnel. Payments to these citizens will also be increased, but the exact amount of the increase is unknown.

On January 1, a law establishing an increase in the retirement age to 63 for women and 65 for men came into effect. It was assumed that these would affect only officials. However, due to the presence of a budget deficit, the replenishment of which is extremely slow, the issue of raising the retirement age for other citizens is being actively discussed. This idea caused a wide resonance in society. The government, however, promises that active steps in this direction will not be taken until 2018.

Situation in practice

Among the key changes in pension legislation since the beginning of 2017, the following can be noted:

Increasing the minimum duration seniority.
Increase in pension coefficients. They are used to assign pension provision by old age.

After the reform carried out in the country in 2015, the procedure for calculating the amounts has changed. Accordingly, pension contributions transferred to the insurance part began to be taken into account in the form of individual coefficients (points). When a citizen retires, they are transferred to rubles.

Experience requirements

As Article 8 of the Federal Law No. 400 establishes, a citizen must have at least 15 years of experience and 30 points.

These requirements, however, the Government decided to introduce gradually. Thus, the value of points from 6.6 will increase annually by 2.4. The required seniority will increase by a year also annually.

The situation with civil servants

On January 1, 2017, Federal Law No. 143 came into force. It significantly tightens the requirements for retirement age. As mentioned above, for women it will be 63, for men - 65 years. At the same time, the length of service in the civil service must be at least 20 years.

These will be implemented gradually. For 2017, women must be aged 55.5 and men 60.5 to retire. Civil service experience should be 15.5 years.

Increasing the retirement age is associated with a constant increase in population growth and life expectancy of citizens. Currently, the average life expectancy is 72 years. If the economic situation develops favorably in the future, this indicator will increase even more.

Tariffs for self-employed persons

According to changes in pension legislation, contributions to OPS (mandatory pension insurance) for citizens working "for themselves" are deducted in a fixed amount. It is determined annually based on the value of the minimum wage.

From July 2016 minimum size earnings amounted to 7500 p. Accordingly, notaries, lawyers, other private practitioners, as well as individual entrepreneurs must deduct 23,400 rubles to the FIU. for 2017

Living wage

The definition of this indicator is necessary for acquiring the right to receive social supplements.

As noted by the Ministry of Economic Development, a decrease in the cost of the consumer basket is expected. Accordingly, the value living wage will also decrease. It, in turn, is closely related to the size of the pension provision. Social supplements are designed to bring the amount of the pension in line with the subsistence minimum.

The budget law provided for the amount of PM in the amount of 8540 rubles. Meanwhile, in the regions, this indicator varies significantly depending on different conditions, including climatic ones.

It is worth saying that, regarding the size of the subsistence minimum, they apply to citizens who began to receive a pension in 2017. For other persons, the payment will be the same (higher).

Lump sum payment

It was introduced due to the lack of sufficient budget funds for indexation. Some previously adopted provisions have been suspended. At the same time, the Government decided to carry out a partial indexation of pensions - by 4%. Given the level of inflation, such a measure was insufficient. But there were no funds in the budget for recalculation in full.

To compensate for the losses, the Government decided to make a fixed payment in the amount of 5 thousand rubles. This amount was due to all persons who are pensioners as of December 31, 2016.

Implementation of these changes in the legislation of the Pension Fund was not accompanied by any difficulties. The procedure for receiving additional payments by citizens has been simplified. Pensioners did not need to apply to the FIU with a statement. Payments were made according to the schedule from 13 to 28 January. At the same time, in some cases, the issuance of compensation coincided with the receipt of a pension.

If the pension was not delivered to the house, a notification was sent to the pensioner, according to which the payment could be received at the territorial post office.

Recent changes in pension legislation on indexation

Initially, it was determined that the PFR's social and pension payments should increase every year due to the decrease in purchasing power caused by rising inflation. The indexation procedure is set depending on the payment:

1.02 - insurance pensions are increased by the rate of inflation for the previous year.
1.04 - social pensions are increased. Indexation depends on the rate of increase in the living wage over the past year.

Indexation in 2016 was carried out only by 4%, while the inflation rate for 2015 was 12.9%. However, at the end of 2016, the Government promised to restore the procedure for increasing payments. To implement the promise, the necessary funds were included in the draft budget.

Increase in old age pension

The labor (insurance) part of the payment is increased by indexing the cost of one pension point and a fixed payment. As of February 1, 2016, the figures were as follows:

Pension coefficient - 74.27 rubles.
Fixed payment - 4558.93.

According to the forecasts of the Ministry of Economic Development and the Ministry of Finance, the inflation rate was to be 5.8%. In this case, the IPC indexation value should be 1.058. But, according to the published data of the Federal State Statistics Service, the price index for 2016 was 5.4%.

Taking into account the indicators, he said that the pension point would be 1.054, the value of the IPC - 78.28 rubles, and the fixed payment - 4805.11 rubles.

The law on the PFR budget noted, however, that on 04/01/2017 the cost of a point will be 78.58 rubles. Accordingly, a second indexation of pensions is necessary. In aggregate, the overall increase should be 5.8%. Since April 1, as a result, the insurance pension has been additionally increased by 0.38%. The size of the fixed payment remained the same - 4805.11 rubles.

Changes in military pension legislation

News from the State Duma does not inspire much hope for an increase in pensions for citizens who have completed their service. It is worth saying that the increase in security for these persons was not carried out properly for a long time.

The increase in pensions is due to an increase in salary, a reduction coefficient and indexation of the insurance part to last year's inflation rate. This procedure is valid for pensioners of the Ministry of Internal Affairs, the Ministry of Emergency Situations, the Federal Penitentiary Service and a number of other departments.

Article 43 of Federal Law No. 4468-1 provides for DD (cash allowance) in the amount of 54%. It is used when calculating a pension and each code must increase by several percent until reaching 100%. It was assumed that such a value would be established in 2035. During the last 2 years, therefore, this coefficient was equal to:

From 1 Jan. 2015 - 62.12%.
From 1 Oct. 2015 - 66.78%.
Since February 1, 2016 - 69.45%.

However, according to Anton Siluanov, the federal budget may not be able to withstand such an increase, therefore, the issue of indexation must be addressed carefully. Nevertheless, in 2017, military pensions were nevertheless increased due to the coefficient, which reached 72.23%.

Since 2016, changes in pension legislation have come into force, which this year made a lot of noise in the ranks of pensioners. In particular, a series of unpopular reforms will take effect that will save budgetary money on the accounts of the FIU, whose reserves have been severely depleted with the continuation of the protracted crisis, falling oil prices, fighting in eastern Ukraine and Syria, and a number of other troubles. Today we will talk about what changes await pensioners from 2019, and what the elderly citizens of our country should prepare for.

New procedure for calculating pensions

Since 2016, the pension legislation provides for a new procedure for calculating pensions. Several important amendments have been made, which should be familiarized primarily with people of pre-retirement age who have been working in recent years, and will soon be completed labor activity. In particular, you should pay attention to the following changes:

from 2016, an amendment comes into force, according to which the amount of payments upon reaching the appropriate age is determined by the number of contributions to the Social Insurance Fund. From now on, the larger amounts will be transferred to social insurance, the larger size will have a final pension;
From January 1, only interest calculated from the official wages of each employee will be taken into account as contributions to the Pension Fund. Thus, if the accruals of the employee cannot be documented, in accordance with the new procedure, they will not be calculated. The same will apply to other types of deductions, in particular: bonuses, financial incentives, bonuses, etc.;
An important change also applies to working pensioners. Seniority remains the most important factor in the calculation of subsequent benefits and will continue to be taken into account even if the employee continues to work after the official retirement age. Moreover, his pension will increase according to special coefficients;
introduction from 2016 of personal calculation coefficients for the accumulation of additional funds. If for some reason you are not working, you can still count on an increase in personal pension savings. First of all, this applies to persons serving in the Armed Forces, women on parental leave, as well as relatives of disabled people who care for them. However, it should be remembered that the coefficients will only work if the person who has the basis for receiving them is officially registered.

The calculation of pensions from 2016 will now be based on the availability of the funded and insurance parts. The first is calculated quite simply: it is enough just to divide the data on the amount that is stored in the accounts by the amount of time worked. But with the insurance part, things are somewhat different, and the amount payable depends on the sums of money of citizens for a certain period of activity, in which the corresponding savings are allowed. In general, new pension system requires knowledge of some facts, in particular, since 2016 the following changes have come into force:

a pensioner must have a minimum insurance period of 15 years, and it will gradually increase;
Since 2016, a point system for accumulating pensions has been in operation. It is planned that the amount of points will increase in proportion to inflation so that the elderly do not feel the depreciation of the currency;
in accordance with the government decree, the savings of each pensioner will increase, thanks to which the elderly can be sure of receiving a decent amount of payments upon reaching retirement age.

In addition, it should be mentioned that the new rules for calculating pensions will not affect all residents of our country. Thus, the above changes will not be relevant for such categories of citizens as:

disabled people of group I;
persons living in settlements Far North;
pensioners, whose age by the time the law came into force, exceeded the mark of 80 years.

However, there remains one more important question that worries employees of many structures: will the new rules affect the increase in the retirement age? Let's figure it out further.

Will the retirement age rise?

At the end of November, a draft law was submitted to the State Duma, according to which, starting from 2016, a gradual increase in the retirement age for certain categories of workers began. In accordance with it, it is assumed that men and women will be able to retire at 65, instead of the current 60 and 55, respectively. First of all, such amendments will affect:

civil servants.
Employees of the Ministry of Internal Affairs.
Military personnel.

The author of this bill is Prime Minister Dmitry Medvedev. The reasons for this are quite simple - the decline in the birth rate in the 90s, which is why today there is a strong aging of the population. Therefore, raising the retirement age is a forced measure that will save PFR funds. In Russia, there remains perhaps the lowest level of termination of employment, the countries of Europe have long since switched to the practice of raising it.

In addition, the same bill provides for a gradual increase insurance experience, which we talked about above. Since 2016, it has been at least 15 years, and by 2020 it is planned to increase it to 20 years.

Manager FIU department in the Belgorod region, Dmitry Khudaev spoke about how the size of the pension will change in 2016, why working pensioners will not have to go to the Pension Fund and apply for indexation of the insurance pension, and how maternity capital will help parents raising children with disabilities.

In 2016, several changes appeared in the pension legislation that apply to all participants in the mandatory pension insurance system - current and future pensioners, mothers and employers.

Will the pension increase in 2016?

Yes, in 2016 insurance and state pensions will be indexed by four percent. Monthly cash payment (CSS) and a set of social services will also be indexed - by seven percent (for comparison: in 2015 they were increased by five percent). It is possible that a second indexation will be carried out in the second half of the year, but a decision on this will be made after assessing the financial capabilities of the state.

Will indexation affect all pensioners?

Insurance pensions will be indexed only for non-working pensioners. The pension will be automatically recalculated for those who did not work before September 30, 2015. If a citizen worked and quit after October 1, in order to recalculate the pension, he will need to apply to the Pension Fund of the Russian Federation with an application. Moreover, the increase will not be taken away, even if after indexing he gets a job again.

Have the conditions for granting a pension changed?

To be eligible for an insurance pension in 2016, you will need to have at least seven years of service and nine pension points ( pension points are awarded for each year of work, for non-insurance periods (conscription military service, parental leave, etc.) and for delayed retirement - approx. ed.).

The retirement age has remained unchanged - 55 years for women and 60 years for men (certain categories of citizens have the right to receive a pension ahead of schedule).

For appointment maximum size it is recommended to apply to the Pension Fund a month before the retirement age.

Should employers expect any changes in 2016?

For employers, from the second quarter of 2016, additional monthly simplified reporting will be introduced in relation to working pensioners. This should save employees from going to the Pension Fund and filing an application for indexation of the insurance pension. The FIU will receive this information immediately from employers. If they give incorrect information, they will have to pay a fine of 500 rubles for each insured person.

They say that a moratorium on pension savings and a "freeze" of pensions are one and the same. Is it so?

No, this is incorrect. On January 1, 2016, a law came into force that extended the moratorium on the formation of pension savings. It must be understood that this is not a "freeze of pensions" and not a "withdrawal of pension savings."

Russia has a mixed pension system. Most of the insurance contributions of citizens go to the payment of pensions to current pensioners. The insurance contribution rate for compulsory pension insurance is 22 percent, and earlier six percent of them were used to form the funded part of the pension. Now these funds will be directed to the formation of an insurance pension. So anyway everything insurance premiums, which the employer will pay for his employee, will go to the formation of his future pension.

Have the rules for paying maternity capital changed?

Payment program maternity capital extended for two years. They can be used by those who give birth or adopt a child before December 31, 2018. At the same time, obtaining a certificate and disposing of its funds are not limited by time.

Previously, maternity capital could be spent on improving housing conditions, educating children or funded part mom's pension. Since 2016, this list has increased by one item. Now the money can be used to buy goods and pay for services for social adaptation and integration into society of children with disabilities. It is worth noting that in this case, you can use the funds of mother capital at any time after the birth or adoption of a child. Acceptance of applications and supporting documents will begin immediately after the Government of the Russian Federation approves the list of goods and services, as well as the rules for channeling maternity capital funds for their purchase.

The new pension reform, which came into force at the beginning of 2016, radically changes the system of pension accrual that was previously in force in Russia.

In fact, the pension system began to work in 2015, and is calculated until 2025. The full launch of the reform took place on January 1, 2016.

What years fall

Citizens who got a job after January 1, 2015 fell under it. Those who worked before the specified period do not lose their achievements, they are recalculated and fit into the new framework.

If, as a result of the recalculations new version the amount will be less than it was before the recalculation, then the reduction will not occur, the amount that is greater will be left.

The essence of the new pension reform - the main directions

The changes that the Russian pension system is undergoing can be called global. It was divided into insurance and savings. The insurance fund, based on the Pension Fund, will continue to be replenished by deductions from wages and other obligatory payments.

The right to a pension is now expressed in points, or in, and citizens who:

have reached retirement age, 55 for women and 60 for men;
have at least a minimum insurance period, this is 15 years from 2024 and 7 years in 2016 ;
have sufficient IPC, in 2025 it is 30, in 2016 - 9.

Sources of points are:

The salary with which a citizen pays taxes and for which points will be awarded (about what it is).
The working period during which the employee earned seniority.
Non-working periods during which additional points can be earned.
The age of retirement depends on the presence of additional points or their absence.

For a year of work experience, an employee is awarded points, which give him the right to claim a pension, subject to payment of contributions.

For those who worked before 2015, the pension capital is converted into PC. This is done using a simple formula:

PC = Insurance part(without baseline) / Point value

GIPC is an annual IPK, that is, the sum of points earned for the year is calculated as follows:

GIPC= The sum of all insurance premiums / The maximum possible amount of premiums x 10.

The amount of insurance premiums directly depends on the annual salary: this is 16% of it if only the insurance pension option is chosen, or 10% if the insurance and funded option is selected.

The maximum number of points that can be awarded per year will be 10 in 2021 and 7.83 in 2016.

They will be accrued depending on which pension option was chosen.

The insurance pension is regularly indexed by the state, while the funded pension is not indexed. For it, there are other sources of growth - the financial market and investment.

The basic formula for calculating a pension

Insurance old-age pension (StrP) for one year =

Total Retirement Points (PIPC) x Current Year Point Value (SPB) + Fixed Benefit (FC)

IN short form: StrP = GIPC X St. Petersburg + FV

GIPC is the sum of points for the year;

St. Petersburg- the cost in rubles of one pension point in the current year is set by the state and indexed annually.

FV is a fixed payment dated 28.12.2013, art.16.

For 2016 insurance pension is defined as follows: StrP \u003d IPK x 74.27 + 4558.93 rubles.

Since January 1, 2016, the 2% bonus has been canceled, and pensions for the military will be accrued for length of service. But since that moment, pensions for them and the Ministry of Internal Affairs have been growing by 7.5%.

If, after the end of the service, pensioners are engaged in civil work, then they will go to the usual pension experience. All allowances will go to social needs. This is the equalization of civilian and military pension payments quite appropriate in times of crisis.

Pension reform 2016 for judges of the Russian Federation

Judges are employees of state structures and, although they are not formally employees, they belong to professions whose work is paid from the budget. When the judge is about to retire, It opens up 3 possibilities.

If his work as a judge lasted less than 10 years, he can receive a pension on a general basis, determined in accordance with the Federal Law No. 400 of 12/28/2013, as well as the Federal Law No. 126 of 06/04/2011.
If the required length of service is available, then it is drawn up according to the length of service.
If the work as a judge lasted at least 20 years and other conditions are satisfied, then you can receive a lifetime allowance (80% of salary), which is not taxed.

Education workers are anxious about the new pension reform. The main concern is about the right to early retirement according to the length of service that has so far taken place.

Until any changes are made to Federal Law No. 400 of December 29, 2013, the right to a reduced service pension for teachers remains.

However, only under certain conditions:

having 25 years of experience;
at least the minimum IPC (in 2016 - 9, in 2017 - 11.4);
compliance of the position with certain lists of professions, which is stipulated by regulations and legislative acts;
employment at full time.

If a working teacher refuses early retirement, then Federal Law No. 400, paragraph 15 of article 15 and paragraph 5 of article 16 come into force. That is, the teacher earns increased scores. At any time he has the right to apply for a pension.

Pension reform for physicians

Physicians also have length of service and early retirement, as well as the concept of a preferential pension.

A necessary condition for obtaining it is experience, 30 years for an urban doctor, and 25 years for a doctor from a rural area. Previously, the accrual of such a pension was carried out according to other methods, and the new reform gives a completely different result.

The length of service, gradually increasing, will eventually become the same for both categories - 27.5 years. Therefore, the factors that keep doctors in the villages will lose their significance, which will provoke their relocation to the city, where there are many private clinics and the pay is higher. Concern for the retention of personnel in rural areas hospitals the government is completely absent.

According to the new procedure for paying pensions, a working pensioner can quit his job and notify Pension Fund, after which his pension will begin to be indexed. If, after waiting for the increase, he goes to work again, then the size of the pension will remain increased.

Innovations in 2016 - the pros and cons of the new pension reform

The usual system of calculating pensions has changed dramatically, and will continue to undergo further changes. But something is already visible today.

pros

The advantages include the opportunity for citizens to more actively influence their future pension in particular, try to work legally.

Basic values for pensions are indexed.

It became possible to add military service and care work to the pension experience.

Here are the points that citizens additionally receive in non-insurance periods:

1.8 for 1 year of military service;
1.8 care for the elderly and disabled;
1.8 for 1 year of parental leave, first;
3.6 for 1 year - for the second;
5.4 for 1 year - for the third and fourth.

The retirement age and most of the benefits have been preserved, and pensions have been increased for many categories of pensioners.

Minuses

Many citizens may also face the disadvantages of pension reform, primarily those who work unofficially: they will not be able to receive a full pension.

No luck for pensioners who were working at the time of the launch of the new system. In order to increase their pension, they will have to quit and get a job again.

The minimum length of service will increase and triple, though not immediately, but over 15 years.

Pension reform 2020

We are talking about the pension head of the famous "Strategies 2020", it was developed by the liberal wing of the government of the Russian Federation and is focused on providing high pensions for the middle class.

Since in the conditions of a long crisis around the world it is precisely middle class, it is unlikely that this topic will remain relevant by 2020.

Nevertheless, the creators of the pension reform 2020 offer such ways to solve the problem.

Raise minimum seniority for an employment pension.
Reducing the list of dangerous jobs and early retirement.
Pension for low-income workers, social and basic.
For the middle class - the sum of the basic, solidary and funded.
Rich - as well as for the middle class, plus everything else.
Raising the retirement age to 63 years (by 2030), accompanied by an increase in the length of service standards.

Pension reform in Russia has successfully started. Her path will be difficult, various proposals, improvements and clarifications are constantly appearing, which can nullify all the efforts of past years. So the Ministry of Finance came up with proposals that stirred up the whole country.

It remains to be hoped that the government will be able to stick to the set course and not lose momentum.