The procedure for calculating pensions: examples of calculation. New procedure for calculating old-age pensions. How to calculate your future pension yourself: length of service, salaries, formula, example

The question of how the pension is calculated is quite important, so a very large number of citizens are concerned. Also important are such moments as its composition and types. Issues related to the advantages and disadvantages of state pension funds, as well as their non-state counterparts, should also be touched upon. In addition to these, you can ask a number of other equally important questions.

General concept

Every citizen has the full right to rest, especially when it comes to a well-deserved retirement. This can be understood as follows: work at a certain enterprise, to which the entire working life of a citizen was given, should guarantee him material support for the period of rest. And here no one talks about the obligations of the enterprise to its former employee in terms of providing such payments. This is done by pension funds, where contributions are made by each employer during the entire working life of the employee. The procedure for the formation, calculation and payment of pensions in the territory of the Russian Federation is carried out in full accordance with the law "On labor pensions".

The composition of the pension

If we consider the question of how a pension is calculated, then it should be mentioned that it consists not only of a mandatory part, but can also be supplemented by a voluntary one, and this indicates the possibility of using savings placed in a non-state pension fund. Mandatory pension has several types, which can be named: classical old-age pension, labor disability pension, as well as payments related to the loss of a breadwinner. The first of them usually includes three components: basic, funded and insurance.

Any enterprise and organization must make payments to the state compulsory insurance fund, and about half of these funds are transferred to the Pension Fund. These funds are not registered, that is, they are only transferred to the fund, where they are usually distributed for current pension payments to existing pensioners. This part just serves as the base, and its size depends entirely on the subsistence minimum at the moment, inflation and budgetary funds. The base part is not affected by seniority, wages, and other parameters. It can be paid even to foreign citizens who are permanent residents on the territory of the Russian Federation.

Insurance part

If we talk about how the pension is calculated, then it is necessary to consider the insurance part. It differs significantly from the basic one in that it is tied to a specific person. Its size is directly dependent on the amount of contributions accumulated at that time, as well as on the period of expected payments. From each employer, deductions are mandatory, the volume of which is 8-14% of the amount taxed for an individual employee. This amount usually includes not only wages, but also other funds that the company spends on each employee individually.

How is the insurance part calculated?

The insurance part of the pension is determined depending on the size of the pension capital accumulated in the personal account of the citizen, and the survival period, that is, the time that is determined by the state as allotted for citizens after retirement. It turns out that the insurance part of the pension is the entire pension capital divided by the survival period in months. This is the size of the monthly payments. After seeing off to retirement, the survival period is 19 years, which is usually quite enough. Such a period is used only to calculate a pension, and if someone lives longer, they will not be left without security. If we talk about how the old-age pension is calculated, then the law establishes that the later a citizen retires after reaching the prescribed age, the shorter the lifespan will be for him, that is, the amount of payments will be larger.

Accumulative part

This part is calculated in much the same way as the insurance part, but in this case the pension capital is replaced by the amount of savings. For each citizen, these savings are indicated in a special part of the personal account. The accumulative line differs in that it is usually placed in different investment instruments, it can be transferred to all kinds of funds for the implementation of management. Very often it is invested in various instruments, among which securities can be distinguished. Every working citizen has the right and opportunity to independently manage his funded part of the pension, thanks to which he can choose which management company or fund he will cooperate with in order to increase his savings.

Participation of non-state funds

The advantages of using non-state funds are quite obvious. Here we should first discuss the possibility of the most efficient investment of financial resources, thanks to which it is possible to ensure the optimal efficiency of pension growth. Usually, government funds work with instruments that are recognized as highly reliable, but this affects their profitability negatively. You can independently choose a management company from the list of those that have passed the competitive selection by the Russian Ministry of Finance. You can choose such a company once a year by filling out a special form.

Knowing how to calculate your future pension is important, as this information will allow you to clearly imagine your financial future after an active working period. At the same time, within the framework of this topic, there are many nuances that are unknown to the average layman.

Basic information

Before studying the calculation algorithm, it makes sense to understand what a labor pension is. One of the simplest explanations will be as follows: this is financial compensation for wages and other payments to those citizens who were insured and, due to various factors, including age, are no longer able to provide for themselves.

There are three types of labor pensions worth knowing about:

TP due to disability;

TP by age (old age);

TP associated with the loss of a breadwinner.

Funding for pension payments is based on insurance contributions from employers. Women who have reached the age of 55 and men who have overcome the 60-year milestone can count on a pension. These are fairly clear rules that give a simple answer to the question - what is the current retirement age in the Russian Federation. But even if a citizen, so to speak, reworked, this will not go unnoticed.

At the moment, the pension fund uses a fairly complex formula for calculating payments, but this is due to the desire to take into account various factors that may affect the amount of payments. But, in general, when trying to understand how to calculate, you need to take into account the key indicators that are used in the calculation. These are the following elements:

- Warhead (base part). It is established by state authorities, taking into account the presence of dependent family members, restrictions in the labor process and age.

-NC (accumulative part of the old-age labor pension). This part is formed from income from investing pension funds in the Pension Fund of the Russian Federation and voluntary insurance premiums.

- SCH (insurance part of the pension). It directly depends on the pension capital, which, in turn, consists of two parts: this is the amount of insurance premiums after 2002 and the estimated pension capital before this period.

In general, when calculating, two blocks of information about a citizen are used - before the pension reform and after it. And for ordinary people who want to figure out how to calculate a future pension, this fact must be taken into account.

What is important to consider before calculating

Those who are retired and continue to work can count on the fact that payments in their case will not be canceled and, moreover, will gradually increase.

If a citizen is preparing for the end of the labor period and worked a lot before the reform, then his experience and length of service will be recalculated into points without any financial damage.

There are people whose age is already close to retirement, but they have not officially worked for 15 years. This category of citizens, as well as people who have no experience at all, will be able to receive exclusively social pensions.

It is important to know that active work in two jobs will not bring tangible benefits. This is explained by the following fact: the total number of points that will be awarded will actually remain at the level of citizens who receive an official salary from one employer.

When thinking about how to calculate the pension yourself, it is worth remembering that an illiterate distribution of interest between funded and insurance pensions can lead to certain losses. The amount of payments will be higher only if the priority category is accumulation.

Well, it is quite obvious that the so-called salary in an envelope significantly worsens the pension prospects, since it significantly reduces the amount of deductions.

About the points system and key changes

It is important to be aware that it has made some changes to the accrual system, but all of them relate only to old-age payments. In this area, those parts that made up one whole are now independent, separate elements of the calculation. We are talking about insurance and labor pensions. It is the insurance form that is determined by taking into account points. To accumulate the required number of them, you need to make regular contributions to the category of insurance pension. But it is important to take into account the fact that such changes are relevant for citizens whose labor activity was started in 2015. Those who worked actively long before this period may not worry about changes in the system.

But for young people, this will mean that in a process such as calculating a pension, the average salary will not be the only determining factor. In general, in order to understand what kind of pension can be counted on, it is necessary to take into account three components:

length of service;

retirement period;

The amount of deductions.

If for the previous generation it was important to have only deductions in the right amount and at least 5 years of official work experience, for young people a more complex system of requirements is relevant.

First of all, the period of required labor activity has increased, it will grow every year until it reaches the mark of 15 years. That moment should come in 2025.

Now - more specifically about the requirements for those wishing to receive a labor pension:

First of all, you need to reach retirement age. For women, this is 55 years, while men will have to work until 60.

A minimum work experience is required. We are talking about a period of 6 to 15 years.

The final condition is the presence of the required number of points, which is 30 or more.

Points are calculated automatically. In this case, indicators such as the amount of deductions, seniority and the age at which a particular citizen will retire will be taken into account.

A pension calculation formula that is relevant for young people should include all of these indicators. If there are not enough points or the experience is too short, then the exit to a well-deserved rest will be delayed by 5 years. And in this case, the form of pension - social or labor - will not be of key importance.

Those who actually end their careers or are ready to stop their activities due to the approaching retirement age should not worry. Although the indicators will be recalculated, they will either not affect the size of the pension in any way, or they will lead to its increase.

Opportunity to receive bonuses

According to the current legislation, citizens, under certain conditions, will be able to receive additional points. Such bonuses are awarded in the following cases:

When caring for children with disabilities. For each year of such care, 1.8 points are awarded.

When a citizen does military service in the Russian army. Here, too, 1.8 points will be credited for each year of service.

Women on maternity leave can also count on bonuses. In such a situation, the accrual scheme changes slightly. The traditional 1.8 balls brings the first year of the decree. The next 365 days make it possible to get 3.6 points. The third year of parental leave raises the mark to 5.4 points. If the duration of the decree exceeds a three-year period, then for each subsequent year the state will charge 5.4 points.

Bonuses will also be available to those who care for a relative over 80 years old. Here, accruals remain at the standard level (1.8).

Continuing the theme of balls, you need to once again pay attention to the importance of seniority. As it was written above, according to the old system, it was not a key indicator, where the size of deductions played a big role. Now the situation has changed: in the formation of such a regular monthly benefit as a pension, the additional payment for seniority will be one of the key values. That is, those who have worked for a long time will be credited for their long work activity, which will have a direct impact on the size of the pension.

If we talk about how points are calculated, then you need to pay attention to the following formula:

(IPO in year N/NGO in year N) * 10.

where IPO should be understood as individual contributions of a citizen to a pension fund, while NPO means the standard of contributions, and the letter N is used to designate a specific year.

Calculation scheme

Speaking about future payments to people who are close to retirement age, it is worth using a different scheme than in the case of young people who still have to work hard.

If a citizen of the Russian Federation began his labor activity before January 1, 2002, then the following formula for calculating a pension is relevant for him:

P \u003d FBI + MF1 + SC2 + SW.

The FBI should be understood as a fixed basic pension set by the state.

SC1 is the insurance part of the pension, for the calculation of which the insurance premiums paid by the employer until 2002 are used.

SC2 - the insurance part, consisting of contributions after 2002.

The amount of valorization is determined as the CV and depends on the number of full years of service.

If we describe the calculation algorithm in stages, then the picture of the process will be somewhat complicated.

So, first of all, the length of service coefficient is taken into account, which will have a direct impact on the size of the pension in the end. It is calculated as follows: 0.55 units are assigned to men for 25 years of service before the reform (2002) and to women for a 20-year period. If this limit is exceeded, 0.01 units of the coefficient are added for each year, while this indicator cannot exceed 0.20. So, within the framework of the topic “how to calculate a future pension”, initially you need to pay attention to the length of service.

Next, the ratio of the salary of the future pensioner and the average earnings in the country in 2000-2001 is calculated. Alternatively, data for any 60 months of uninterrupted employment may be used.

In this case, the size of the ratio should not exceed the level of 1.2. If we are talking about residents of the Far North, then this indicator will fluctuate around 1.4-1.9 units. This largely depends on the coefficient to the salary, centrally established in a particular area.

At the next stage, the average earnings received are multiplied by the coefficient and by the amount of 1671 rubles. The last figure is the average monthly salary in the country for the 3rd quarter of 2001, which was approved for calculations. The result is the amount of the pension recalculated in accordance with the new legislation.

Preferential pension

In this case, the question “how to calculate the pension yourself?” is also relevant. But in order for independent calculations to be correct, you need to perform several sequential steps.

To begin with, it is worth getting information regarding your position - whether it belongs to the category of preferential ones. You can get this information on the PF website, which contains a list of professions that allow specialists to go on a well-deserved rest before other citizens.

If the desired profession was found in the list, then further actions will be reduced to determining the specific periods of work that are counted as seniority. At this stage, it is important to pay attention both to the length of service and to the institution in which you had to work, since there is also a list of enterprises related to the preferential category.

And having dealt with the data on the former employer, you need to check whether the information received meets the requirements of the current legislation. Next, you should find out how many points the amount of years worked guarantees, taking into account the rates of pension contributions. This information can also be found in the PF.

The resulting number of points must be multiplied by the pension coefficient, and as a result, the amount of a preferential pension will be obtained.

Use of the electronic service

For those who want to go the easy way, it makes sense to pay attention to the pension calculator, which is located on the official website of the Pension Fund of the Russian Federation. This program will greatly simplify the process of calculating the required indicators.

This service takes into account all relevant inputs that may affect the size of the pension and the time of going on vacation. All you need to do is fill in all the required fields, which is a simple task.

The pension calculator allows you to get the most objective picture. When performing calculations, it takes into account, for example, military service. And although this period is not defined as experience, a citizen of the Russian Federation receives 1.8 points for it.

All years devoted to official work are taken into account. The exception in this case is maternity leave and maternity leave. By the way, points for parental leave are also taken into account.

It is worth noting the fact that a citizen of the Russian Federation can receive a pension supplement of 25% if he has lived in a rural area and worked in the agricultural sector for the past 30 years.

Many are interested in the fact how they will take into account the length of service acquired during the Soviet era, and whether it will have any meaning at all. Without this information, it is difficult to understand how to calculate the pension for a woman born in 1961 and other citizens who began their labor activity during the Soviet era.

First of all, it should be noted that the experience that was obtained before 2002, including before the formation of the Russian Federation, is taken into account. If before the reform the number of working years reached 27, then a coefficient will be charged for them. Its size will consist of two parts: 0.55 for 20 years of service until 2002 and 0.01 for each 12 months in excess of the specified norm, which will be 0.07 over a seven-year period. As a result, the coefficient into which the salary will be translated will be 1.2.

But, unfortunately, for many citizens, the Soviet salary is actually not taken into account for calculating pensions. Instead, the average salary in the country in the period from 2000 to 2001, which was equal to 1647 rubles, is taken into account. They deduct the Soviet salary in order to accurately determine the pension capital. These indicators will be supplemented with deductions and length of service recorded after the reform.

On average, a citizen who has worked for 35 years and received a salary of 20,000 rubles. will be able to count on a pension of 35% of its size, that is, a little more than 7,000 rubles. This, perhaps, not entirely rosy example of calculating a pension will be relevant for those citizens who were already actively working during the Soviet era. The only plus is that when working at retirement age, payments are saved.

military personnel

The process of determining the amount of pension for this category of citizens has its own characteristics that must be taken into account. Therefore, when figuring out how to calculate a military pension, you need to know that the pension calculator in this case will take into account the following indicators:

-Years of service. The duration of labor activity has the most direct impact on the amount of payments. Only due to this indicator, the monetary subsidies to the military can be increased by 50%. Moreover, each irregular year brings another 3% surcharge.

- Disability resulting from an illness. In this case, the premium can reach 75%.

- Obtaining a disability while serving in the Russian army. Under such circumstances, the pension can be increased by a maximum of 130%, but what exactly the amount of the allowance will be depends on the group received after the medical examination.

Speaking about how to calculate the pension of the Ministry of Internal Affairs, it is worth noting that it is formed in fact according to the same scheme as that of the military. Here, too, the basis for the calculation is taken. The increase in the level of payments is influenced by factors such as salary for a special rank and position.

How is the IP

To be eligible, you must have at least 15 years of experience. Here it is important to clarify the fact that the length of service is determined by those periods when contributions to the PF were made, and it does not really matter whether active entrepreneurial activity was carried out at that moment or not.

In this case, individual entrepreneurs will be counted in the length of service for the same periods as in the case of other citizens (decree, military service, caring for the disabled, etc.).

As for them, they will need at least 30 to retire.

Results

So, figuring out how to calculate the old-age pension, we can draw the following conclusion: the state is aimed at the objective formation of the amount of payments to different categories of citizens. It is for this that there are so many inputs in the calculation formula. As for self-calculation, the fastest way to complete this task is to use the pension calculator on the PF website.

Today, young people rarely think about such a "distant" future as the retirement age. In addition, economic conditions are such that one has to choose between "life now" and "later." Only wise old people tirelessly repeat: retirement is just around the corner. How to secure a decent financial future for yourself, what payments to expect in old age, and how to deal with pension issues today?

Pension. How it was

Until 01.01.2015, the procedure for calculating an old-age pension in Russia assumed that the following conditions were met:

achievement by a citizen of retirement age;

the fact that a citizen has accumulated funds in the OPS - these are the funds that the employer paid monthly to the fund for the employee.

The funded and insurance parts were the single components of the labor pension, now they are two independent components. The old procedure for calculating pensions did not take into account seniority and thus equalized the pension payments of citizens. The new calculation formula includes more components and covers all the nuances.

Pension. What the worker should know

Since the beginning of 2015, a new procedure for calculating pensions has been introduced.
Citizens who care about their financial situation in old age need to know the following:

The retirement age has not changed. Women can start receiving a pension at the age of 55, men - 60.
The later a worker retires after retirement age, the greater the amount of pension payments.
To receive a pension, work experience is required. Today it is at least 5 years, and for those who will retire from 2024 - 15.
Payments consist of several parts - cumulative and insurance. A citizen has the right to refuse to form a funded part and transfer all his deductions only to the insurance.
The higher the official salary of a working person, the more he will receive a pension.
The pension will be formed in points, then converted into money and paid to pensioners. A citizen retiring in 2015 must accumulate at least 6 points. For those retiring in 2025, the minimum score will be 30.
For working citizens who have managed to earn a seniority and do not retire in 2015, the state guarantees the observance of all pension rights. Since 2014, there has been a conversion into individual pension coefficients (points).

Who and when can receive a pension

For more than a year, under the close attention of the whole country, the procedure for calculating pensions. A lot of talk is connected with this topic, people cannot understand and get used to innovations. Today in Russia there are the following insurance pensions: for old age, loss of a breadwinner and disability.

Citizens retiring in 2015 will be the first to experience the reform. It is these people who will receive pensions according to the new calculations.

In 2025, all planned changes should be introduced and the procedure for calculating and paying pensions should be established.

Every Russian citizen who has reached retirement age, has seniority and has made the necessary contributions to the Pension Fund, is entitled to a labor pension.

If a Russian retiring did not have time to accumulate the required amount of work experience, accumulate the minimum number of points or “put together” a funded part for himself, he can only count on a social pension. It is impossible to receive social and labor (old-age) pensions at the same time. The social pension has a fixed amount, which is set by the state. By the way, in 2015 the amount of this pension benefit amounted to 4,769.08 rubles.

The structure of the labor pension

In order to understand what kind of pension you will receive, you need to know what it consists of. The procedure for calculating old-age pensions has undergone a major reform, and the Russians have not yet fully understood it. Let's try to clarify the question of what will be included in pension payments to citizens:

Insurance old age pension. How to calculate your insurance pension is described in detail below.
Fixed payout. The amount established by the state, subject to indexation and increases due to various factors (clause 1, article 16 of the Federal Law). Today, the amount of the monthly fixed payment is 3,935 rubles.
Accumulative part. A detailed description of the cumulative part is below.

These are the three components of the pension of working citizens. How to influence the size of each, except for a fixed payment, is explained by the legislation of the Russian Federation and this article.

Learning how to save for a pension. Accumulative part

Everyone remembers how there were calls from TV and radio screens to decide on the future procedure for the formation of their own pensions. State and private funds were fighting for deductions from citizens. Let's brush up on this issue, as it is included in the calculation of the old age pension.

The procedure for calculating pensions provides for two independent parts: funded and insurance. The total amount of pension payments will depend on their size.

The funded part of the pension of today's hard workers is under their control. Every citizen who has not yet turned 48 in 2015 must decide what to do with the funded part of his pension. It can be left as part of the insurance pension in the department of the state pension fund or transferred to a non-state fund (NPF). The essence of a funded pension is that a citizen makes contributions to the account, and they increase (or not, as lucky) thanks to the chosen NPF. It is very important to choose a reliable fund so that the funds are protected and the person is guaranteed not to suffer losses.

The funded part will be paid monthly and is not a barrier to obtaining other social benefits, such as a special pension for civil servants.

Having formed the funded part, old-age pensions will also be available to citizens whose work experience has not reached the minimum bar. Deductions for the funded part are made by the employer from the 22% of the salary that he makes. Of these, only 16% goes to a citizen's pension, where 6% will be deducted for the funded part and 10% for insurance. Some large companies offer corporate pension plans to their employees. Their deductions are also summed up in the funded part. Plus, if a citizen has taken advantage of voluntary pension insurance, his funded part will be expanded. Women can transfer their maternity capital to the funded part.

It will be possible to transfer funds from the funded part from the NPF to the state fund.

In order to form his funded part, a citizen must submit an application to the FIU before December 31, 2015.

In order to receive payments under the funded part, you must contact the fund where it was formed all this time, submit an application and attach the necessary package of documents to it.

Accumulative part calculations

It is not difficult to calculate how many people will receive monthly from the funded part. For this, the entire amount of funds accumulated by him at the time of application is taken and divided by the “survival period”. It is revised by the government based on statistical data. Today, the survival period is 228 months, although the later you apply for a pension, the less it will be, and the monthly amount of payments is greater.

Example. The citizen celebrated his sixtieth birthday and applied for a pension. By this time, he managed to gain more than 20 years of experience and save 350 thousand in the NPF. When calculating the pension, his length of service will not be taken into account. Interest will be added to the accumulated funds (if any) and the resulting amount will be divided by 228, the person will receive the result as a plus to his social pension.

The accumulative part can be inherited if its owner did not have time to use it during his lifetime or did not live to see it at all.

So, a funded pension is the money that a citizen sets aside for himself, plus the fund's interest for using the funds. These funds are returned to the pensioner in monthly installments. If a citizen set out to form a funded part, but he did not succeed (for various reasons), and the amount of the funded part does not exceed five percent of the insurance pension, then the funded part is paid as a lump sum.

insurance pension

The insurance pension receives the lion's share of the employee's contributions - 10% or all 16% if the citizen refused to independently form the funded part.

The main thing you need to know about the insurance pension:

contributions to the insurance pension are made by the employer at the choice of the citizen in the amount of 10% or 16%;
this pension is controlled by the state, due to which it is considered more stable; investments will not be invested, but will be annually indexed not lower than inflation;
the pension will be calculated in points, after which it will be converted into cash and issued to pensioners;
in order to receive an insurance pension, it is necessary to have an established minimum length of service;
this pension is not inherited.

Now let's take a closer look at the most difficult issues: points and pension calculation.

Points. Is work for the ticks coming back?

The procedure for calculating pensions in Russia has changed significantly since January 2015. A new concept is introduced - the "annual pension coefficient" (APC). This thesis will be used when evaluating each “working” year of a Russian.

To calculate the CPC or points, the ratio of the annual salary of a citizen, with which he paid contributions to the fund, and the maximum salary, with which employers make contributions to the OPS, is taken.

It is important to note that a citizen can make contributions to the insurance part in the amount of 10 or 16% of the salary, depending on which formation procedure he chooses.

Only the “white” salary before the deduction of 13% tax is taken into account in the calculation of the CPC.

It is very difficult to figure out the scores on your own. For the convenience of citizens, a calculator is installed on the official website of the PFR, which instantly calculates the annual score.

It is noteworthy that the new procedure for calculating labor pensions includes the years of life of citizens devoted to:

service in the armed forces of the country;
caring for children up to one and a half years;
care for the disabled and citizens over the age of eighty.

The cost of one point (GPC) is indexed annually and set by the government. In 2015, the cost of one point is 71.41 rubles. The maximum annual number of points, which is taken into account in the future, is 10.

Calculation of the insurance pension

To calculate the insurance pension, you must perform the following operations:

If a citizen continues to work after reaching retirement age, his pension payments increase.

For example: citizen Ivanova retires at 55, while her work experience is 15 years, and the number of points is 140. We multiply 140 by 71.41 rubles and add 4,383.59. Today, Ivanova's pension would be 14,380.4 rubles.

Other social pensions

Social pensions include such a subspecies as a disability and survivor's pension. The procedure for calculating a disability pension depends on whether a citizen has work experience. The grounds for assigning a pension for disability and loss of a breadwinner have not changed.

The procedure for calculating the military pension

Previously, the pension for military personnel was accrued after 20 years of service and amounted to 50% of the salary, including additional payments.

In 2015, the procedure for calculating pensions for military personnel has changed. Now pension payments will be indexed annually by 2%.

Until the beginning of 2015, the appointment, execution and procedure for paying labor pensions to Russians was regulated by the articles of Law No. 173-FZ. Today, it has only some rules that regulate the determination of the size of the labor insurance pension, and do not contradict the new version of the law.

The new law No. 400-FZ "On insurance pensions" entered into force at the beginning of this year, and some articles (14, 15, 17) - only next year.

New provisions of the law

Articles 1 to 7 describe the general provisions for the appointment of labor pensions, their types, possible recipients, retirement. Articles regulate the following issues:

As a protection for Russians of retirement age, the state provides for the appointment and corresponding payment of pensions (the Constitution and Law No. 167-FZ).
In the field of insurance pensions, the norms of Russian and international legislation apply.
Article 3 deciphers the concepts of insurance experience, pension, pension coefficient and others.
The persons who can apply for a pension and the types of payments are also indicated.

The conditions for the payment of a pension are determined by articles 8-10 (2nd chapter). All three types of payment are described - for old age, loss of a breadwinner or after receiving a disability. The entire 3rd chapter is devoted to length of service: the time of work, which may be included in its composition, periods outside of work, which are also taken into account in the length of service, the method of determination and confirmation.

The fourth chapter normalizes the determination of the size of the pension and reveals the concept of a fixed payment. So, in addition to the actual calculation scheme, there are options for increasing the fixed part, recalculating the size. Separately, articles 19-20 describe the concept of the share of the old-age insurance pension for special categories of recipients: civil servants and flight test personnel.

Articles in Chapter 5 describe the procedure for appointment, terms of appointment / recalculation, methods of payment or delivery, possible deductions from the pension. Article 27 of the new law on labor pensions describes the procedure for paying citizens who retain their rights to preferential pensions.

Chapter 6 describes the nuances of assigning preferential (early) pensions for flight personnel, persons who have worked for a certain number of years in the Far North or hazardous industries, as well as transitional provisions. The final 7th chapter contains a list of transitional provisions and the entry into force of this law.

Major changes

In addition to Law No. 400-FZ, another important document came into force - Law No. 424-FZ on the funded part of the pension. The articles of these two laws introduced some changes in the procedure for calculating the labor pension of Russians. The main one is the abolition of the actual term "labor pension". From the current year, the pension will be divided into 2 parts, absolutely independent - funded and insurance.

Changes in 2015:

Increasing the minimum insurance period required to process the payment. If earlier it was enough to have an experience of 5 years (insurance), now this figure has increased to 6 years. Moreover, the minimum will increase annually by 12 months until it reaches the bar of 15 years by 2025. Article 3 of the new law speaks about the need to increase the length of service in order to receive an old-age pension.
There have been changes in terms of pension coefficients. So, from January 1, an old-age pension can only be issued if the individual score of the recipient is 6.6 (with an increase of 2.4 every year). IPC (individual coefficient) is an innovation of this year. The formula for calculating it is not simple, but the size will always be directly dependent on the salary of the future pensioner, the length of service and the date of vacation.
Now the period during which a pension is issued is not included in the length of service.
There is news for families with many children - Article 12 establishes their right to offset the length of service during the inspection period for a child for one and a half years and no more than 6 (and earlier 4 years) for all children.

The retirement age has remained the same - 60/55 years, with the exception of preferential pensions. For example, the rights of health workers remain the same: they can take early vacation if they meet the requirements: 30 (25) years of experience in the field of medicine, a coefficient of at least 30.

The retirement age is set by Article 27 of the federal law on labor pensions:

hot or underground experience involves the early appointment of payments from the age of a citizen 50/45 (men / women);
difficult working conditions - 55/50 years, if the special experience exceeds or equals 12.6/10 years;
50 years for women - work in the textile industry for 20 years or in some jobs in agriculture for 15 years and so on.

Article 28 of the Law on Labor Pensions defines other categories of pensioners who can count on early payment:

women with 5 or more children, and raising each of them at least up to 8 years;
disabled people after a military injury - 55/50 years;
employees of the Far North (at least 15 years of experience) - 55/50 years;
visually impaired (first group) - 50/40 years (experience - 15/10 years).

The new procedure for assigning payments is designed to reduce the “equalization” in the process of processing payments. Now, a larger pension will be received by those workers who, during the period of employment, received “white” wages, have a long service (instead of the previous 5 minimum years).

Starting from the new year, 4 main factors will affect the size of the pension: the amount of salary, the amount of contributions paid, the time of going on vacation and the availability of general and special experience.

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In connection with the latest changes in Russian legislation regarding retirement, many older people are increasingly asking themselves the question - what years are taken into account? The question of the procedure for recalculation and the years that will be taken for such a procedure remains not fully clarified. There are a lot of nuances and details in the process of recalculation. This is due to a large number of legal acts. It is difficult for an elderly person to independently figure out what the old-age pension will be calculated in 2018.

Below we will take a closer look at what years officials can take to calculate social benefits. We will also answer the question of what changes await pensioners this year in connection with changes in the current legislation.

What years are taken to calculate the pension

Previously, according to the law of the Russian Federation, the calculation of the potential accrued was made on the basis of the average salary of a pensioner for the period of his official employment.

The accrual of funds was determined on the basis of the following indicators:

the average salary of an elderly person during his working life (for calculation, you need to take any 60 months; such information can be provided by the pensioner himself or the official responsible for accruals);
average earnings within the borders of the former member countries of the Soviet Union or the Russian Federation (the citizen chooses the period of time independently).

The maximum coefficient can be 1.2. This is regulated by Article 30 of Federal Law No. 173 (dated 2001).

How is pension calculated?

The last law that came into force regarding changes in pension provision refers to 2015. It became a replacement for the above normative act. Some clauses of the previous law on the calculation of labor social benefits have not lost their relevance to this day. For example, such items include the principle for calculating accruals and periods for calculating the coefficient for paying a pension. The new law applies exclusively to citizens of the Russian Federation who have labor rights after 2015. Also, this normative act applies to citizens who previously entered into labor relations before the established time.

Thus, accrual will occur on the basis of the specified document. Which years are taken into account is independently determined by the elderly person or the employee responsible for the process of calculating social benefits.

In the period from 2002 until today, employees responsible for calculating social benefits will only take into account insurance and insurance premiums for pensioners. For this reason, the labor activity of the elderly person is used to calculate the amount of the labor pension.

old age pension

Calculation scheme

Let's take a closer look at how pensions are calculated. The amounts that were received are divided by the cost of one. The point value is indexed annually. This is due to the change in the consumer price growth index for the previous year. The procedure is carried out on the shoulders of the Government of the Russian Federation. As soon as the indicator is determined, the recalculation is turned on and the amount of the social payment is determined.

Retirement Formula

Please note that any 60 months of employment can be selected from the moment of official employment until 2002. In this case, it does not matter whether there was official work during the period of the Soviet Union or whether it exists today in the Russian Federation. In the same way, the coefficient is calculated in order to calculate the amount of the pension payment.

It is possible that another one will take place this year. It can make adjustments to existing processes. This is due to the economic situation in the country and the increase in life expectancy in the world. Below we will analyze the latest news, and dwell on what changes await potential Russian pensioners after the adoption of new regulations.

Changes for pensioners in 2018

It is possible that in 2018 another reform in the field of pension law will take place. This statement was made by the head of the Ministry of Finance of the Russian Federation Anton Siluanov. Based on the information provided, the experts identified several important features:

The threshold for receiving a pension payment will be gradually increased to 65 years. In 2024, both men and women will leave for a well-deserved rest in this year.
With each time, the required period for calculating a pension will increase. Most of all, this will affect public sector workers, as teachers and doctors retire early.
On the basis of average earnings, a single social insurance tariff will be established.
will be an exception in the new law. A citizen will have the right to make an independent decision about it, including its presence or absence.
The indexation of pension payments will be reduced. Exact figures will be announced shortly.
Pensioners provided with work will be deprived of part of the payments.
In the future, hazardous workers will no longer be eligible for early retirement.

Therefore, when answering the question of what years are taken into account, and how the old-age pension is calculated in 2018, you need to wait for information about changes in Russian legislation in the field of pension law.

Let's take a closer look at what changes Russian pensioners can expect in the near future.

Pension indexation

Adjustments in pension law

First of all, the mandatory will be canceled. The employee will make independent decisions on how exactly his payments will be distributed. The amount of payments transferred monthly by the employer is not yet subject to change. It will still be 22%. To create pension capital, the Ministry of Finance of the Russian Federation plans to use deductions directed to Pension Funds outside the budget.

A citizen of the Russian Federation has the right to choose the rate in the field of the funded part of the social payment. The amount is set in the range from 1 to 6% of the deductions. If you refuse this opportunity, all 22% will be transferred to the account of the insurance part of the pension. Such funds are not subject to taxation.

For citizens with high incomes, a slightly different system has been developed for accruing funds. Such persons must take care of their savings on their own. The Russian state applies the Austrian experience. As part of it, people with high incomes make contributions in the form of 8% of their earnings to special funds. When accumulating more than 1 thousand dollars a year, the Pension Fund of the Russian Federation has the right to add another half of the accumulated funds. It is currently unclear how such a law could be implemented in the Russian Federation.

Social payments will be indexed in 2018

To understand how the old-age pension will be calculated in 2018, you need to familiarize yourself with the new law. It will necessarily contain items on which years are taken into account for future social benefits.

The necessity of carrying out is connected with the lack of funds in the budget of the Russian Federation. The fact is that due to the fall in oil prices and domestic economic factors, the country's government decided to reduce the amount of social benefits. At the same time, such actions may have a negative impact on the standard of living of various categories of citizens, including the elderly. Therefore, officials are developing a new law in which measures will be taken to increase the retirement age and new calculations will appear.

Without fail, social payments must pass. This is an annual process associated with an increase in prices for products, goods and services. This year, according to preliminary estimates of experts, indexation can reach up to 4%.

The calculation of the old-age pension in 2018 is still taking place according to the old scheme. When answering the question of what years are taken into account, it is necessary to study previously adopted regulations.

In any case, the Russian government takes care of the elderly, so the amendments to Russian legislation will be adopted exclusively in their favor.