The minimum labor pension per year. Social benefits and pensions - what will change? What is insurance experience

Maxim Postnikov, Advanced (51), 35 days ago

I did not understand: how will labor pensions change????

10 ANSWERS

Social pension

Vladimir Gabrielyan, Advanced (98), 34 days ago

Also, social pensions for disabled people of the 3rd group increased by 42% (from 2177.70 rubles to 3082.71 rubles). No. Disabled citizens are entitled to a social pension.

From the point of view of banal erudition, it is analyzed here. I advise you to look.

Marla Singer, Student (20), 30 days ago

The accrual of social payments in 2014 is made according to the previous principles. This increase also affected state pensions and other types of material support, which are calculated based on the size of the social pension. Social pension is a kind of cash payments that are provided to persons who have not earned the length of service necessary to receive labor pensions.

What is the minimum pension in Belarus?

Glor, Beginner (4), 30 days ago

An important nuance is that if a disabled person or a deceased breadwinner has at least 1 day of work experience, then a labor pension can be accrued. You can find out its size using the calculation calculator. Registration of pensions is carried out by the territorial departments of the Pension Fund. The set of required documents depends on the type of payment. Its size is set by the state based on the subsistence minimum.

Oksana Golovataya, Oracle (1848), 28 days ago

The calculation of social pensions for citizens living in areas for which a district coefficient is provided is made taking into account it. It should be noted that in 2014 the amount of social pensions is planned to be increased by 15%. This is explained by the fact that a new procedure for calculating the consumer basket will be introduced this year.

From May 1, pensions will increase in Belarus

Yapport Procevis, Oracle (1526), ​​25 days ago

However, such pension cannot be less than the specified minimum amount. The retirement age in Russia is 60 for men and 55 for women. And if a citizen does not have the right to an early pension, then having reached this age, he retires in old age. What is the minimum pension that can be assigned? The minimum amount of a pension that can be paid to a citizen corresponds to the subsistence level of a pensioner.

Mikhail Shakhov, Master (225), 22 days ago

The labor pension consists of two parts: funded and insurance, to calculate the amount of the due pension, you can use the pension calculator. You must have at least five years of uninterrupted work experience, which will be taken to calculate the pension. If there is no such gap in the length of service, and the citizen has reached a certain age (men - 65 years, women - 60 years), the minimum social pension is accrued.

JS, Expert (585), 22 days ago

Disabled people from childhood of the 2nd group, disabled people of the 1st group and children who have lost both parents (or children who have lost a single mother) will also receive a social pension 42% more than before. To receive a decent pension in the future, you need to know the rules for calculating it in the present.

Ivan, Student (10), 19 days ago

Calculated indicators - indicators that, in accordance with the Law on Pensions, are used to calculate the amount of pensions. Pensions for special services to the Republic of Belarus are established for persons who have reached the age of 60 (men) and 55 (women), or, regardless of age, persons with disabilities.

As you know, a disabled person can receive 3 types of pensions - state, social or labor. In some cases, which I will discuss below, it is possible to choose the most advantageous option for yourself. Therefore, first let's talk about the types of these pensions, and then about the size of the social pension in 2019.

Types of pensions and persons who can be assigned one or another type of disability pension

A labor pension is assigned to a disabled person of the 1st, 2nd or 3rd group when he has at least a minimum length of service. Even 1 working day can be considered this experience, provided that the organization paid insurance premiums for the employee. In this case, the disabled person gets the right to choose. If the labor pension seems more attractive to him, then he can apply for its registration. Well, if it seemed unsatisfactory to him, then he can apply for a social or state pension, of course, if he has the right to do so (although the disabled person has the right to a social pension in any case).

This type of pension is accrued to military personnel, participants in the Second World War, persons awarded the badge "Resident of besieged Leningrad" and persons affected by man-made and radiation disasters.

Social pension is assigned to disabled people who have no work experience and have not been insured in the pension insurance system. This category of citizens includes:

• Disabled people of the 1st, 2nd and 3rd groups;
• Disabled since childhood;
• Disabled children.

That is, if you do not belong to the category of citizens eligible for the 1st and 2nd type of pensions, then you will be assigned a social pension.

The amount of social disability pension in 2019

According to Rossiyskaya Gazeta, the social pension will be increased by 15.2% from April 1, 2019, and according to my calculations, its amount will be:

• Disabled children and disabled since childhood of the 1st group - 10 376,86 rub.;
• Disabled people of the 1st group - 8 647,51 rub.;
• Disabled people of the II group - 4 323,74 rub.;
• Disabled people of the III group - 3 675,20 rub.;
• Disabled since childhood II group - 8 647,51 rub.

The level of care, the degree of social development of the country is reflected in the care of the state about the various strata of society. One of the most important indicators is the care of pensioners. The construction of the pension system of our country began in 2002. This system includes the obligatory presence of conditions for the following types of payments, namely such types of pensions as: labor, non-state, state.

Considering and analyzing the pension system of our country, we can distinguish two types of pensions (basic) that are paid to the corresponding categories of citizens in Russia: labor and social.

The labor variety in Russia is subject to periodic indexation, increase. The amount of indexation and its terms depend on the level of inflation in the country, the size of the average monthly salary (read also:). The increase in the size of the pension takes place on the basis of government decrees.

Average pension in Russia in 2013

Considering the size of the labor pension in the current 2013 in the country, it can be noted that at the beginning of the year its size was eight thousand twenty-eight rubles ninety-one kopecks (i.e. 8028.91 rubles). However, indexation took place during the year, and as a result, the average unearned pensioners, taking into account indexation, at the end of the year will be nine thousand four hundred and ninety-five rubles (i.e. 9495 rubles).

In our country, there are several types of labor pension, among which the following groups are distinguished:

1. Paid to right holders on the occasion of the loss of a breadwinner;
2. paid in case of disability.
3. paid upon reaching a certain age;

The condition for receiving the first type of state payment is the loss of the breadwinner. The law establishes that disabled members of the family of this breadwinner can use the right to receive this assistance.

Thus, in this case, the state is trying to provide a minimum guarantee to these people in a difficult period of their lives.

The right to receive disability payments is for people who are given the first, second, or third group of disability (read also:), they have a restriction on the implementation of labor activities. If this restriction is absent, then they cannot exercise the right to receive this pension. Also, another prerequisite for receiving funds on the specified basis is the presence of at least one day of insurance experience.

So, for women in our country, this bar is set within the framework of fifty-five years, and for men - sixty years. Moreover, in addition to the mandatory achievement of this age limit, a necessary condition for receiving a pension is the presence of insurance experience.

Minimum pension in Russia in 2013 and 2014

When analyzing the pension system, one of the most important components, basic characteristics, is such a definition as the minimum pension. This value represents in its essence a social norm, a minimum guaranteed by the state, a basic standard.

The regions independently determine the size of this social minimum, taking into account legislative restrictions on its size.

So, in the current year in the regions, the amount of the minimum allowable payment amounted to:

• in the Kirov region - five thousand five hundred seventy-four (or 5574) rubles; in 2014 it will increase to 5968 rubles, i.e. by 5.7%
• in the Ivanovo region, the minimum amounted to six thousand seventy-eight (or 6078) rubles;
• in the Republic of Buryatia, it amounted to six thousand two hundred and four (or 6204) rubles.

In general, indexation in 2014 relative to the previous year will be 6-8%.

The size of the minimum pension payment this year in the Ivanovo region amounted to six thousand thirty-eight rubles, which is almost the highest figure compared to other regions of our country.

For a full analysis of the situation with pension payments, it is necessary to consider forecasts for the next year.

Forecast of the average pension in Russia for 2014, 2015 and 2016

According to forecasts, the average labor pension next year will be 11,600 rubles (that is, 11,600). At the same time, indexation of pension payments will take place, it will be carried out as before in several stages. On average, pension payments will be indexed by nine to ten percent.

There is a special offer for visitors to our site - you can get a free consultation from a professional lawyer by simply leaving your question in the form below.

If we consider the forecasts for the period 2015-2016, we can say that it is assumed that the size of the average pension will be in the range of thirteen thousand two hundred rubles. A very important factor is that, according to forecasts, this value will be significantly higher than the planned level of the subsistence minimum.

The procedure for calculating labor pensions has changed many times over the past 15 years: the biggest changes occurred in 2001, when Federal Law No. 173-FZ “On labor pensions in the Russian Federation” was adopted (December 17, 2001). The last amendments to the law were made in December 2012 and have already entered into force on January 1, 2013.

How to calculate a pension? This question worries citizens of all ages: some want to know what kind of pension they can count on, others want to calculate its amount for their parents. In this article, we will tell you how to calculate a pension, taking into account the latest changes.

In addition to this Federal Law, the pension system is regulated by many other regulations, and several formulas and dozens of coefficients are used to calculate the labor pension, which are constantly changing and being revised. This makes it very difficult to independently accurately calculate the pension in 2014, but you can still determine approximately how much you can count on. It should be noted that for people who will have to retire not in 2014-2015, the result obtained may differ significantly from the real one. It is impossible to predict what the level of inflation will be, whether your salary will change, whether the ongoing indexation will compensate for losses from inflation, what will be the profitability from investing the funded part of the pension by authorized organizations, etc.

I would also like to emphasize that the pension system in Russia is far from ideal, therefore, when calculating pensions in 2014, think about it: perhaps you need to start accumulating additional funds right now in order to secure a decent old age for yourself, and for your children a future? We have described several ways that will help you get additional income in the article “Where to invest money to earn money?”.

How to calculate a pension: basic concepts

A labor pension is a monthly compensation to insured persons for wages and other payments that a person cannot receive due to old age, disability or other factors. Depending on the reason for the appointment, the pension is divided into:

The payment of pensions is financed by insurance premiums paid by employers for their employees. Further, answering the question “How to calculate a pension?”, We will rely on the formulas and rules applicable to the most common type of labor pension - old-age pension.

Women who have reached the age of 55 and men who have reached the age of 60 have the right to an old-age labor pension. In this case, the insurance experience of the insured person must be at least 5 years. Some categories of citizens specified in the Federal Law are entitled to early appointment of a labor pension.

The labor pension consists of two parts - insurance and funded. Until January 1, 2010, in addition to these parts, there was also a base part (its size was about 600 rubles), but in connection with the abolition of the single social tax, this part was combined with the insurance part of the pension.

Since the old-age labor pension is the sum of the insurance and funded parts, we will consider how to calculate each of its components.

Calculation of the insurance part of the old-age labor pension

The amount of the insurance part of the old-age labor pension is determined by the formula:

From 01.04. 2013, the basic fixed amount of the insurance part of the pension (with the exception of persons aged 80 years and older or disabled people of group I) is 3610 rubles. 31 kopecks. The basic fixed sizes of the insurance part for other categories of citizens can be found in the table Here.

Pension capital calculation

The pension capital is determined by the formula:

PK = PK1 + SV + PK2, where

PK1 is calculated using the formula:

Calculation of the estimated amount of labor pension

RR - the estimated amount of the labor pension, can be determined at the choice of the insured person in three ways:

RR = StK*ZS/ZP*ZSP, where

StK - seniority coefficient:

• 0.55 - for men, whose total experience is at least 25 years, and for women, whose experience is more than 20 years. For each additional whole year it rises by 0.01, but in general by no more than 0.2.
• 0.55 - for persons engaged in work involving the early appointment of a labor pension, after accumulating a length of service sufficient for this type of activity. For each additional whole year it rises by 0.01, but in general by no more than 0.2.

ZS - the average monthly earnings of the insured for 2000 - 2001 according to personalized accounting in the compulsory pension insurance system, or for any 60 months of work on the basis of documents issued by the employer.

ZP is the average monthly salary in Russia for the same period.

ZSP is the average monthly salary for the period from July 1 to September 30, 2001 for calculating and increasing the size of pensions, approved by the Government (1,671 rubles).

The ratio of the average monthly earnings of a person for whom a pension is calculated in 2014 to the average monthly wage in Russia (ZS / ZP) is taken into account in an amount no higher than 1.2.

StK and ZS are identical to the meanings and definitions given in formula 1.

3. For insured persons who, as of December 31, 2001, were assigned a labor pension, the RR is the sum of one fixed pension, taking into account the compensation payment, and increases due to the increase in the cost of living in Russia, using the appropriate regional coefficient.

If you are interested in the question “How to calculate a pension”, and you want to try to independently determine the amount of social assistance that will be assigned to you, then do not forget that the estimated pension capital and the amount of the insurance part of the pension are subject to periodic indexation in accordance with the current level of price growth and the average monthly wages.

We also note that the established fixed basic amount of the insurance part of the pension for each whole year of the insurance period exceeding 25 years for women and 30 years for men, on the day the insurance part of the pension is assigned for the first time, increases by 6 percent.

Calculation of the funded part of labor pension

The calculation of the pension in 2014 is impossible without determining one of its components - the funded part. It, like insurance, is formed by accumulating part of the contributions transferred from the salary by the employer, and increases due to income from investing these funds by the state or non-state funds.

RR The size of the accumulative part is determined by the formula:

• PN - the amount of pension savings of the insured person, accounted for in the special part of his individual personal account
• T is the number of months of the expected pension payment period used to calculate the insurance part of the pension. In 2014 is 20 years, or 240 months.

Starting from 2014, the payment of mandatory pension insurance contributions will be made without division into the insurance and funded parts of the labor pension. At the same time, from January 1, the maximum amount of the annual wage fund for calculating insurance premiums is 624 thousand rubles for each employee. The rate of insurance premiums will remain at the level of 2013 and will be 22% or 22% + 10% if the annual wage fund exceeds 624 thousand rubles. (a single common tariff for all payers was introduced from 01.01.2014).

Citizens born in 1967 and younger people, in 2013 and 2014, are given the opportunity to choose the rate of the insurance premium for the funded part of the labor pension. You can either leave 6%, or completely refuse the funded contribution, thereby increasing the rate for the formation of the insurance part of the pension up to 16%. This right is regulated by the Law of December 3, 2012 "On Amendments to Certain Legislative Acts of the Russian Federation on Compulsory Pension Insurance" No. 243-FZ. You can learn more about all the changes and fundamental differences between the insurance and funded parts in the article "Cumulative and insurance part of the pension, what is it?".

If a citizen wants 6% to be allocated to the funded part of the pension in 2015, as before, he should apply for the choice of the investment portfolio of the management company (including Vnesheconombank) or a non-state pension fund. When transferring savings to a non-state fund, you will have to conclude an agreement on compulsory pension insurance with this institution.

If a citizen refuses to submit an application, the funded part will not be formed, and the insurance part will be 16%. If earlier a citizen has already applied for the choice of a management company (including Vnesheconombank), then 6% will continue to go to the funded part and 10% to the insurance part.

A written application for the choice of an insurer under the compulsory pension insurance program, as before, can be submitted by the territorial body of the Pension Fund.

WHAT YOU NEED TO KNOW ABOUT THE NEW PENSION BILL

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April 10, 2015

Naryan-Mar, April 10, 2015. On January 1, 2015, a new procedure for the formation of citizens' pension rights and the calculation of pensions in the system of compulsory pension insurance came into force - the so-called "new pension formula". The labor pension is transformed into an insurance pension and a funded one.

To calculate the insurance pension according to the new rules, for the first time, the concept of " individual pension coefficient”(pension score), which is evaluated every year of the citizen's labor activity. To qualify for an old-age insurance pension, you must have 30 or more retirement points, however, this requirement will come into full effect from 2025, and in 2015 it will be enough for a citizen to dial 6.6 points.

Also change and minimum service requirements to qualify for a pension old age. From 5 years, the requirements for seniority increase to 15 years. However, as in the case of pension points, there is a transition period: in 2015 the required minimum experience will be 6 years and will be within 10 years step by step increase - by 1 year from year to year.

It should be noted that in the new pension formula, in addition to periods of employment, points will also be awarded for socially significant periods of a person’s life, such as conscription military service, parental leave, the period of caring for a disabled child, a citizen over 80 years old and others

Since January 1, 2015, the cost of a pension point has been 64 rubles. 10 kopecks, the amount of a fixed payment to the insurance pension - 3935 rubles. But already from February 1, 2015, on the basis of Decrees of the Government of the Russian Federation of January 23, 2015 No. 39 “On approval of the consumer price growth index for 2014 to establish the value of one pension coefficient from February 1, 2015.” and dated January 23, 2015 No. 40 “On approval of the indexation coefficient from February 1, 2015 of the amount of the fixed payment to the insurance pension” the cost of one pension coefficient and the amount of the fixed payment to the insurance pension were increased by 11.4%.

Thus, from February 1, 2015, the cost of one pension coefficient (pension point) is 71 rubles. 41 kopecks.

Let us give an example of calculating the insurance pension according to the pension formula effective from January 1, 2015.

The woman received an old-age pension in 2013.

As of December 31, 2014, the amount of the insurance part of the old-age labor pension, excluding the fixed base amount, is 8615 rubles. 36 kop.

The size of the individual pension coefficient as of December 31, 2014 will be: 8615.36: 64.10 = 134.405.

From February 1, 2015: 134.405 x (64.10 x 1.114) = 9597.86 + (3935 / fixed payment to the insurance pension x 1.114) = 13,981.45 rubles.

The calculation of the amount of the insurance pension for disability and for the loss of a breadwinner is carried out in a similar way.

An example of calculating the old-age pension in 2014



Our online calculator for calculating pensions in 2013, 2014 years has become very popular with users. The number of requests and visitors to pages with a calculator and with materials on retirement topics has increased hundreds of times. Apparently, this is due to the fact that the Government announced plans for the transition to a new formula for calculating pensions, and the calculator proposed by the Ministry of Labor of the Russian Federation calculates pensions using the current formula with large errors and gives results that do not correspond to reality.

45-90 began to receive a large number of questions about the details and principles of calculating pensions in the period up to 2015. To answer these requests and in addition to the already existing materials, we open a special section - All about pension calculation, which contains and will be constantly updated reference and other materials necessary for calculations. In addition, we publish a detailed algorithm for calculating pensions, which is the basis of our pension calculator, with the necessary explanations and a description of important details.

The algorithm is designed for a wide range of users and allows everyone, if desired, to adequately and accurately assess the size of their future pension. It differs from the official one in a more accessible and intelligible presentation, and also explains the meaning of the formulas used and the basic principles of calculations.

In order for the terms and definitions used in the algorithm to be more understandable, we recommend that you first read the article Structure and principles of formation of pensions

Algorithm for calculating pensions in 2013 and 2014

The right to a labor pension is men over the age of 60, And women over the age of 55. An old-age labor pension is granted if there is at least five years of insurance experience.

Note . Insurance experience is the total duration of work and (or) other activities, during which insurance contributions to the Pension Fund were paid Russian Federation (PFR), as well as other periods counted in the length of service.

The current pension calculation formula (for those who were born before 1967 and do not have a funded part of the pension) is as follows:

P = PC / T + B (1)

P- the monthly amount of the assigned pension (officially it is called the insurance part of the pension);

PC- pension capital "earned" by a person during the period of his labor activity (formed from deductions from wages and depends on its size);

T– survival period (in 2013 and 2014 T= 228 months - 19 years) - established and approved by decisions of the Government;

B- fixed basic pension (from 01.04.2014 to B= 3910 rubles 34 kopecks) - annually adjusted, established and approved by decisions of the Government.

This formula is relevant today, and will remain so until at least 2015, and most likely beyond, for calculating and converting acquired pension rights into the new formula.

In other words, today the monthly amount of the assigned pension is calculated by dividing the pension capital "earned" by a person during the period of his labor activity by the period of payment of the pension - the age of survival, measured in months, plus a fixed supplement - the so-called fixed basic pension.

The pension capital itself ( PC), "earned" for the entire period of employment, is formed from three parts:

PC = PC1 + SV + PC2,

PC1– pension capital earned before 2002;

SW– the amount of valorization (one-time increase in pension capital PC1);

PC2– pension capital earned after 2002

Taking into account the structure of pension capital, formula (1) will look like this

P \u003d PC / T + B \u003d (PC1 + CB + PC2) / T + B

Dividing now each of the terms - pension capital PC1, PC2 and the amount of valorization SW for the duration of life T, we obtain a formula that is easy to understand, which we will further use for calculations



If we translate it into "Russian", then the formula means that the old-age labor pension ( P) consists of four parts:

1. pension earned before 2002 – P before 2002= PK1 / T;

2. valorization (one-time increase) of pensions earned before 2002. – VP = SW / T;

3. pensions earned after 2002. – P after 2002 = (PC2 / T);

4. Fixed base part – B.

Thus, the old-age labor pension:

P = P before 2002+ VP + P after 2002 + B.



Information that is required to calculate the amount of your old-age pension — what you need to know:

• Stage 02 - length of service until 2002 (years);
• Stag 91 - length of service until 1991 (years);
• ZR- your average monthly earnings either for 2000-2001, or for any 60 months of work (for 5 years) in a row in the period up to 01/01/2002 - whichever is more profitable is chosen;
• RFP- the average monthly salary in the Russian Federation for the same period (for 2000-2001. ZP=1494 rub. 50 kopecks.); and for the period up to 01/01/2002, the average wages can be found in the table ( see reference materials);
• FFP- the average monthly salary in the Russian Federation for the period from July 1 to September 30, 2001 (this is a constant value, it is fixed and is taken equal to: SZP=1671 rub.);
• index- , taking into account inflation for the period from 2002 to the present (required for the "transfer", "recalculation" of money in 2002 into the money of the current period). Index is annually adjusted and approved by decrees of the Government of the Russian Federation, depending on the level of real inflation (the rate of depreciation of money). For 2014, the index value used in the calculations is 5.6148: index = 5.6148;
• PC2- the amount of insurance premiums and other receipts in the Pension Fund of the Russian Federation, accumulated by you on an individual personal account in the Pension Fund of the Russian Federation, starting from January 1, 2002 until the moment of registration of the pension.

1. Calculation of the part of the pension “earned” before 2002 (P until 2002).

Step 1. WITH sales coefficient - SC.



First, the so-called seniority coefficient is calculated,

- for men, whose work experience before 2002 exceeds 25 years ( stag02 > 25):

SC = 0.55+0.01*(stag02-25);

— for men, whose work experience before 2002 was less than 25 years (stag02 20):

SC = 0.55+0.01*(Stag02 – 20),

- for women, whose work experience before 2002 was less than 20 years ( stag02 0.55 ( men, whose work experience before 2002 was 25 years or more and women, whose work experience before 2002 was 20 years or more), the monthly amount of the estimated pension in rubles is calculated by the formula:

RP \u003d SK * KSZ * 1671 - 450,

• For those with seniority coefficient SK

RP \u003d SC * KSZ * 1671 - 450 * (SC / 0.55)

• If the estimated pension is less than 210 rubles, then it is accepted (considered) equal to 210 rubles:

What do the numbers mean 1671 And 450 in formulas?

First — 1671 (rub) is the average monthly salary ( FFP) in the Russian Federation for the period from July 1 to September 30, 2001 (constant value fixed in the calculations).

The second digit is 450 (RUB) is the amount of the fixed basic part of the pension in that period.

Note. In our algorithm, the term "estimated pension" is slightly different in meaning from the same term used in the law. This is done intentionally for a better understanding of the meaning of the calculations. The difference is as follows.

In the law and instructions, the calculated pension is called the amount

RP = SK * KSZ * 1671.

In our algorithm, we called the calculated pension the value

RP \u003d SK * KSZ * 1671 - 450,

Step 4. Calculation of the amount of pension earned before 2002. – P until 2002

To determine the first part of the assigned pension - the pension "earned" before 2002 - P until 2002 it is necessary to convert (convert) the estimated pension of the Republic of Poland, calculated on the basis of the amounts and salaries of that period, into modern money, taking into account inflation (depreciation of money) for the past period. Indeed, a thousand rubles in 2002 and today are completely different money in terms of their purchasing power. Such a "translation" is made by multiplying RP on indexation coefficient of calculated pension capital (index), taking into account inflation for the period from 2002 to the present:

P before 2002 = RP * index.

Since today (in 2014) the value of the indexation coefficient is 5.6148, to calculate the first part of the monthly pension assigned in 2014 you can use the formula:

P before 2002 = RP * 5.6148.

This is the first part of the assigned pension - "earned" by you for the period before 2002.

2 . Calculation of the pension valorization amount, earned before 2002 (VP).



Valorization is a monetary revaluation of the pension rights of all citizens with seniority before 2002. From January 1, 2010, the estimated pension capital formed by employees before 2002 was increased by 10% and an additional 1% for each year of their work experience until 1991. Valorization was carried out for everyone on the basis of documents available to the Pension Fund of the Russian Federation. To determine the percentage increase in pension capital for periods before January 1, 1991, the length of service that a citizen had on the indicated date was taken into account.

The amount of valorization (a one-time increase in the estimated pension) is 10% of the amount RP and in addition 1% of the estimated pension RP, for every full year the total length of service acquired before January 1, 1991. The formula for calculating this "additive" is as follows.

SW RP = RP * (0.1 + 0.01 * stage91)

It is also indexed, so the second part of the assigned pension, which we called the valorization of the pension earned before 2002 ( VP):

VP = SV RP * index

VP can be calculated directly from the formula

VP \u003d RP * (0.1 + 0.01 * stage91) * index.

IN 2014 year index= 5,6148 , so those who go to apply for a pension in 2014 can use the formula:

VP \u003d RP * (0.1 + 0.01 *stage91) * 5,6148 .

If the calculation will be carried out in subsequent years, then you should first clarify the value of the indexation coefficient of the calculated pension capital for the current year ( see reference materials ).

3. Calculation of the part of the pension earned after 2002 (P after 2002).



To determine the size of the part of the pension “earned” during the period of employment after 2002, it is necessary to know the amount of insurance premiums and other receipts to the Pension Fund starting from January 1, 2002 - or, in other words, your pension capital PC2. Size PC2 can be calculated using our special calculator, having previously learned (requested) on the website of the State Services "notification of the state of your personal account".

The calculation of this part of the pension is the simplest - the amount of savings PC2, fixed on an individual personal account in the FIU, must be divided by the age of survival - T, measured in months:

P after 2002 = PC2 / T.

In 2013 and 2014, the survival age is: T \u003d 19 * 12 \u003d 228 months.

4. Fixed basic pension (B).



The full name of this part of the pension is “fixed basic amount of the insurance part of the old-age labor pension”.

The fixed basic amount of the old-age labor pension is a fixed amount. It is annually adjusted and approved by government decrees.

For the bulk of citizens retiring in 2014, after indexing on April 1, its value

B \u003d 3910 rubles 34 kopecks.

For some categories, the fixed basic amount may be increased depending on the type of pension, disability group, age of the pensioner and the number of disabled family members dependent on him ( see reference materials ).

5. Old-age labor pension (P).



After all four components are found, it remains to add them up and determine the size of your retirement pension:

P = P before 2002+ VP + P after 2002 + B.

If pension P will be less than the so-called. " living wage pensioner“, established in the region, it will be raised to this level.

Pension online calculator (calculate your own pension)

Useful articles:

How to calculate the old age pension?

The information provided in the article is current at the time of publication.

An example of calculating a pension

In May 2015, a 55-year-old woman applied to the Pension Fund for an old-age insurance pension.

30 years of work experience, the average salary from which contributions to the Pension Fund were calculated is 30,000 rubles. At the same time, in 2001-2002, the average salary was 3,000 rubles.

She has two children, with each of whom she was on parental leave for 1.5 years. (What to do with children instead of a computer?)

Before proceeding with the calculation, we recall that entitlement to an insurance pension in old age, women who have reached the age of 55 have an insurance period that is set for at least 6 years in 2015 and an individual pension coefficient. At the same time, periods of labor activity on the territory of the Russian Federation are included in the insurance period, provided that insurance premiums were accrued and paid to the Pension Fund for these periods, and other periods. (See New in pension provision since 2015)

For persons who acquire the right to an insurance pension in 2015, its calculation is carried out in accordance with the Federal Law on labor pensions dated December 17, 2001 No. 173-FZ with the recalculation of the calculated pension capital into individual coefficients (points) (see paragraphs 1, 9 of Art. .15 Federal Law No. 400-FZ dated December 28, 2013).

1). We determine the estimated amount of the pension as of 01.01.2002.

1. The estimated amount of pension (RP) is calculated according to the formula (clause 3 of article 30 of the Law of December 17, 2001 No. 173-F W):

RP \u003d SK x ZR / ZP x SZP,

where SC is the seniority coefficient, for women with at least 20 years of experience is 0.55. If the length of service is longer, then the coefficient increases by 0.01 for each full year worked, but not more than 0.2.

ZR - the average monthly earnings of a future pensioner for 2000 - 2001. or for any 60 consecutive months up to 2002 (data from a certificate of earnings or an extract from an individual personal account);

ZP - the average monthly salary in the Russian Federation for 2000 - 2001, equal to 1494.5 rubles;

SZP - the average monthly wage in the Russian Federation for the period from July 1 to September 30, 2001, equal to 1671 rubles.

The SC for men with a total work experience of at least 25 years and for women with a work experience of at least 20 years is 0.55. If the length of service is longer, then the coefficient increases by 0.01 for each full year worked, but not more than 0.2.

The ratio of the average monthly earnings of the insured person to the average monthly salary in the Russian Federation (ZR / ZP) is taken into account in the amount of not more than 1.2.

In our case, the calculated amount of the pension will be equal to:

1 671*(0,55+10*0,0 1)*1, 2 = 1 303,38

2). We determine the part of the calculated pension capital as of 01.01.2002.

where RP is the estimated amount of the pension;

450 rub. — the size of the basic part of the labor pension as of 01.01.2002;

T - 228 months, survival period

In our case, the estimated amount of the pension capital will be equal to:

194 570.64 x 1.307 x 1.177 x 1.114 x 1.127 x 1.16 x 1.204 x 1.269 x 1.1427 x 1.088 x 1.1065 x 1.101 x 1.083 =1 092 478,45

4). Determine the amount of valorization

This is 10 percent of the value of the indexed pension capital plus 1 percent for each full year of the total work experience acquired before 01/01/1991

1 092 478,45*10% +1 092 478,45*6* 1%= 174 796,55

5). We determine the total value of the estimated pension capital, taking into account which the size of the old-age labor pension is calculated.

where PC1 is a part of the estimated pension capital of the future pensioner, calculated as of 01.01.2002, taking into account indexation;

SV - the amount of valorization;

PC2 - the amount of insurance premiums and other receipts to the Pension Fund for the future pensioner starting from January 1, 2002 (determined only on the basis of an extract from the individual personal account of the insured person ). Suppose, from 01/01/2002 to according to an extract from an individual personal account received from the territorial Pension Fund (at the place of residence, according to personalized records), the amount of insurance premiums received for the period from 2001 to 2014 from 12/31/2014, it amounted to 496,000 rub.

In our case, the estimated amount of pension capital will be equal to.

1 092 478,45+158 761,63+496 000 = 1 763 275,00

6). Calculate the insurance part of the old-age labor pension as of December 31, 2015

The insurance part of the pension = PC / T + B,

where PC is the amount of the estimated pension capital of the future pensioner;

T is the number of months of the expected period for the payment of an old-age labor pension (228 in 2014);

B - fixed basic amount of the insurance part of the labor pension as of 01/01/2015 - 3935 rubles.

In our case, the estimated amount of pension capital will be equal to

7). We calculate individual points for the previous period, taking into account that the cost of 1 point as of 01/01/2015 is 64.10 rubles.

11 668,66/64,10= 182,04

7). Calculate individual scores for 2015, taking into account retirement in the current year

The average salary is 30,000 rubles.

From her deductions to the PFR 30,000 * 22% = 26,400, including the insurance part - 26,400 * 16% = 6 957

The maximum salary from which insurance premiums to the Pension Fund are calculated: 733,000 / 12 * 4 * 16% \u003d 39 093

Individual pension score for 2015 from length of service, salary and insurance premiums:

6 957/39 093*10= 1,8

Individual pension point for non-insurable periods of life (maternity leave for 2 children)

Total old-age pension, taking into account the value of 1 pension point from 01.02.2015 71.41

Taking into account the established limit for individual points in 2015 in the amount of 7.39 (according to our calculation, we got 1.8 + 8.1 = 9.9)

(182.04+7.39)*71.41+3935=17462.20 rub.

Please note: individuals are not consulted on the calculation of pensions. In case of disagreement with the pension fund regarding the calculation of the old-age pension, we recommend that you send inquiries directly to the Pension Fund.

Bradypus, Expert (578), 80 days ago

How much is the social pension?

5 ANSWERS:

What is the minimum pension in 2014 in Moscow?

Alexis, Advanced (37), 77 days ago

According to the Ministry of Labor, the average social pension in 2014 will be 6.9 thousand rubles, and in 2016 - 8.1 thousand rubles. In 2013, the minimum pension remained at the same level. The minimum pension for Moscow pensioners is 12,000 rubles so far.

Try searching here. Generally a good site.

Nataly, Beginner (5), 65 days ago

Allowances for pensions of the Moscow region are given here in the forum for pensioners. Based on what is meant, how much will a pensioner in Moscow receive minimum in pension payments with all the supplements? And for them, the norm is 8502 rubles (MPM) in Moscow. The increase in the pension will be phased, in general, the pension will increase by about 8.8%. The increase will take place on February 1st and then on April 1st.

KuKofficialidioten, Student (29), 61 days ago

From the first of February it will be indexed for the first time, and from the first of April it will be indexed again. The size of the minimum pension in 2014 will increase by more than 11 percent. But it is known for sure that the minimum pension for Moscow is 12,000 rubles. As the mayor of the city S. Sobyanin said, “We have reached a new level of the minimum wage, which from July 1, 2013 will amount to 12.2 thousand rubles.

Dead_horse, Advanced (73), 58 days ago

Social pensions of Russians in 2014 will grow by more than 15%, to almost 7 thousand rubles, Minister of Labor and Social Protection Maxim Topilin told reporters on Thursday at a briefing. The overwhelming majority of Russians did not know that they had to make a choice in 2013 between the funded or pay-as-you-go part of the pension.

Friends said it was written there. But I'm not sure, look if you really need it.