Pension for working pensioners per year. Pension for non-working pensioners. Increasing social benefits for pensioners

Along with the pension, employed citizens of advanced age receive a salary. Monthly cash payments are a natural additional income. WITH 2016 to stabilize the economy in the state, it was necessary to cancel the indexation of pension payments. The latest decree of President Vladimir Putin on the amount of pensions for Russians who continue to work suggests that this category of cash payments will differ from the usual one in that it will have a fixed minimum amount, since it is inappropriate to continue to restrain indexation for people who have reached a well-deserved rest. Before 2016 accrual was carried out on a general basis, but a later increase in payments for this category of citizens was cancelled. The termination of the older generation was planned before 2020. However, the government does not exclude the possibility of its renewal, since annual indexation is one of the ways to maintain the well-being of older Russians. The abolition of these accruals does not mean that the pension will not increase.

Latest news on pension increases for working pensioners from July 1

But the latest news from the State Duma is disappointing. With July 1, 2018 not provided. Also, a similar allowance not planned, including on 2019-2020. Therefore, if during this period a person who is on a well-deserved rest is employed, he should not expect an increase in pension.

Recalculation of pension from August 1, 2018

Recalculation conditions

The allowance is individual. Its value will be affected by the level of wages and age. Also, the fact that the citizen receives an official salary and whether the employer paid insurance premiums to the Pension Fund for the past year also affects the ability to receive a bonus. If a citizen works, then, accordingly, his experience continues to grow, and points increase. Increasing pensions for working pensioners 2018 will not exceed three points. Each cost a little more 81 rubles. In the Ministry of Russia, the question of whether there will be an increase and additional payment was decided as follows: the increase in the pension of working pensioners will be 245 rubles. This is nothing more than a recalculation of pensions for working pensioners. There is no mention of any indexing.

Will there be an additional pension supplement for working pensioners?

Changes in the pension system

The annual recalculation does not bring a significant increase, which makes employment unprofitable. Radical changes to 2018 not planned, apart from a forced increase in the retirement age. The question of whether pensions for working pensioners will be canceled in 2018 not on the agenda. The annual supplement, according to the government, is designed to stimulate an increase in the period of employment among citizens of retirement age. But people of the older generation, who decide to continue working, lose a little by refusing to take a well-deserved rest in a timely manner.

Citizens of Russia have been expecting a significant increase in pensions for several years now. The latest news about the indexation of pensions for working pensioners in 2018 raises numerous questions, because pensioners are sincerely worried about their income.

Working pensioners are people who have reached retirement age and continue to work. For the current period, this age is 55 years for women, 60 for men.

These citizens of Russia receive a salary for their labor activity and pension payments, which are laid down at the legislative level. From the salary, insurance premiums are mandatory transferred every month.

According to this scheme, the size of pension savings becomes larger, so regular indexation of pensions should take place. Despite this, the authorities have limited the growth of pension payments for working pensioners.

Pensions for working pensioners

Economic stability leads to the fact that the Russian government has to regularly change the system of pension payments. For this reason, since 2016, the increase has been discontinued.

The supplement becomes possible only for those citizens who have gone on a well-deserved rest and do not receive a salary. This was explained by serious economic problems and the fact that working pensioners can live on the salary they receive.

In addition, some politicians intended to provide the Russians with the opportunity to receive a salary or pension. However, this measure affected only those people who earn more than 1.2 million rubles a year.

However, even these working pensioners in 2018 can count on the renewal of pension payments if the salary decreases significantly or the person quits his job.

Many Russians cannot boast of large salaries, so they are interested in the possibility of receiving pension payments. So, in 2018, Russia will continue to pay pensions to working pensioners. Another question is whether the amount of pension payments will increase.

Opportunities to resume indexing

Deputies of Russia regularly discuss the issue of resuming the indexation of pensions for working pensioners in 2018, but have not been able to reach a consensus. The authorities planned to recalculate pension payments to working pensioners taking into account inflation, but even this bill was rejected by the State Duma.

The main problem lies in the unstable and very shaky economy of Russia. Additional funds cannot be allocated to non-working pensioners. If we try to increase pension payments for working older people, the situation with the economy will become even more critical.

However, politicians are looking for different options for resuming indexation. It was assumed that indexation would be resumed for those pensioners who earn very little.

Sometimes pensioners work part-time and receive minimal amounts. Such older people are simply trying to improve their own financial situation, so they work according to their health and physical capabilities.

It is assumed that the indexation of pensions for low-income Russians would provide good support to citizens with minimal damage to the Russian budget, but even this turned out to be impossible to implement. The only thing that pleases: such a proposal can be considered again.

Pension payments to pensioners in 2018

Older people are worried about what the size of the pension for working pensioners will be in 2018. Many retirees carefully study the latest news about indexing and hope for even minimal changes.

In fact, until the summer of 2018, indexation of pension payments will not be carried out. In the next few years, older people will not be able to expect a major increase in their income if they work.

Serious changes to the pension system took place in 2016. Planned indexation of insurance and fixed pensions, which are held annually on February 1st, no longer apply to older working Russians. In order for the recalculation to occur, you will need to quit your job. At the same time, it is supposed to apply to state structures after dismissal from work.

For example, a pensioner stopped working in March. In April, the FIU will receive a report, according to which the pensioner remains a working citizen. However, in May, the FIU will receive reports for April, in which the dismissal will already be recorded.

Pensions in 2018

In June, it will be decided to resume indexing. At the same time, in July, the pensioner will be able to receive the cash difference between the old and new amounts of payments immediately for 3 months.

Thus, older Russians had to prepare for the fact that monetary compensation would be received only 3 months after the dismissal and a certain period of time could be financially stressful. It was according to this scheme before, but now there have been pleasant indulgences and you don’t have to worry about 3 months.

It should be noted that in August 2018, the pension will still be recalculated. Such a recalculation is mandatory and involves an individual increase, since the amount of insurance premiums from the employer for the whole year is taken into account.

The specifics of the recalculation of pensions in 2018

Indexation in 2018 will affect only non-working pensioners. However, people who continue to work can count on an increase in pension payments. The most important thing is to have an official place of work. The pension increase is carried out according to a special scheme.

1. The processing time must be at least one year. If a person has worked less, the additional payment will not be made.
2. The increase is based on accruals that are made by the employer to the individual account of the employee. The amount of the increase depends on the amount of money that has accumulated over the year in the pensioner's account.
3. The amount of the increase may be different, as it is determined on an individual basis. However, the increase cannot be more than 3 points. As a result, even with significant deductions, it will be possible to receive only 244.47 rubles in 2018.

It is important to note that the increased pension will be paid only from August 2018. To receive larger payments, you do not need to write an application.

What you need to know about indexing after the dismissal of a pensioner in 2018

In 2017, a bill was passed that changed the period for recalculating pension payments after the dismissal of elderly Russians. Previously, an increased pension could be received only after 3 months, since it was supposed to gradually solve the following tasks:

• submission of reporting documentation to the FIU for the required month;
• loading the received information into a special software package;
• making a decision on recalculation and carrying out the necessary calculations.

Now the approach has changed to take into account the interests of older people. Now pensioners who decide to quit can receive payments with missed indexes from the next month after the dismissal. At the same time, an elderly citizen should not apply to the Pension Fund, because employers' reporting determines the fact of dismissal.

For citizens who have stopped working, the period for accruing pension payments will be reduced, taking into account the missed indexation during the period of employment. This is made possible thanks to the bill, which entered into force on January 1, 2018.

It is important to note that the additional accrual of missed increases will still be carried out according to the previous scheme and will take several months. Thus, the surcharge will be available only after the specialists of state institutions carry out all the necessary calculations.

Retirement after January 1, 2018 is more affordable, so older Russians can feel financially secure.

What is the difference between pensions for working and non-working pensioners

Pensions are paid to working and non-working pensioners in 2018, but according to a different scheme.

For 2018, the indexation amounted to 3.7 percent. At the same time, the surcharge became available from January, and not from February. Thus, for non-working pensioners, the allowance became available in a timely manner.

Currently, for non-working pensioners, the average amount of payments is 14,329 thousand rubles. Thus, the allowance turned out to be minimal, but it made it possible to stabilize the financial burden on people of retirement age. It is important to note that in the future the situation may improve if a person earns at a decent level. At the same time, during the economic crisis, first of all, the indicator of annual inflation is taken into account, and the growth of pension payments still slowed down.

Working older people are sometimes forced to work in order to survive. For this reason, working pensioners, for whom standard indexation is not carried out, even the slightest increase in pension becomes a boon.

At the same time, the size of the maximum allowance cannot exceed 245 rubles per year. Thus, working pensioners will receive less pension payments than non-working Russians.

It is important to note that in 2017 all elderly Russians received an additional payment of 5,000 rubles. Such payments were made as a necessary support for Russian citizens in an economically unstable situation.

At present, the inflation rate has returned to normal, so there will be no lump-sum payments in 2018. Pensioners can only rely on pension payments and their own income.

Every year in Russia indexation of pension payments is carried out. Unfortunately, due to the negative consequences of the financial crisis in our country, since 2015, indexation of pensions for working citizens has not been carried out. As compensation, the state authorities established for them a one-time payment of 5,000 rubles. Will such a sum of money be paid next year, or, taking into account the improvement of the country's economy, will they be able to hope for the resumption of indexation?

Will there be indexation of pensions for working pensioners from January 1, 2018? Latest news from the State Duma.

Since the law on indexation is valid until 2019 inclusive, working pensioners cannot count on such a procedure today and next year. This information was confirmed by Maxim Topilin, head of the country's Ministry of Labor. At the same time, the Ministry does not finally forget about working citizens who have acquired the right to a pension. Specialists of the department are working on the issue of the possibility of indexing in relation to this category of citizens. At the beginning of 2017, 9.6 million officially employed pensioners were registered. To index their payments, the state will need about 200 billion annually. As soon as there are tendencies towards stabilization in the state economy, the State Duma may come up with the initiative to carry out indexation in relation to working pensioners.

What awaits working pensioners?

Definitely, even if indexation is not resumed, such citizens will receive some kind of financial assistance. It can be expressed:

It should be noted that as soon as a pensioner breaks official relations with his employer, he can apply for indexation of his allowance. Recall that indexation is carried out every year for inflation.

Summing up

What are the plans of the state authorities regarding the increase in payments to working pensioners is not yet completely known. At the same time, it is absurd to think that working pensioners will not receive a pension. No one intends to introduce a radically new pension legislation. Since working citizens have the right to well-deserved pensions, they will continue to receive them. In addition, if indexation is not carried out for them next year, then any assistance from the state will be provided unambiguously:

• pay;
• recalculation.

To obtain reliable information on this topic, it is necessary to periodically visit official websites: the Government, the State Duma, Rossiyskaya Gazeta.
We invite you to watch the following video

In 2018, there will be a number of uncharacteristic changes regarding the provision of pensions to citizens:

• despite the projected inflation in 2017 of 3.2% and the legislatively established date for indexing the insurance pension on February 1, it is proposed to increase them January 1 by 3.7%;
• the monetary allowance of servicemen, which has not increased for 5 years, is planned to be indexed as early as January 1, while leave the reduction factor unchanged to military pension - 72.23%.

The order of indexation of social pensions and payments made by the Pension Fund of the Russian Federation will remain the same: the former will be increased by the corresponding forecast level of price growth, presumably by 4.1%, and the latter - from February 1 by last year's actual inflation (3.2%).

In addition, there will be a number of changes regarding the conditions for the appointment of an insurance pension, an increase in the living wage for a pensioner to establish a social supplement, as well as a change in the amount of the insurance premium for the self-employed population.

It should be noted that no increase in the retirement age in 2018 despite repeated mention of the need for this measure.

Will there be an increase in pensions in 2018 and by how much?

On September 18, at a government meeting, Minister of Labor and Social Protection Maxim Topilin announced the government's intention to submit to the State Duma a bill on changing the procedure for indexing pension payments for 2018.

According to the provisions of the law No. 400-FZ of December 28, 2013, citizens must be indexed to the inflation rate of the previous year annually February 1st.

• At the beginning of the year, the Central Bank predicted inflation at 4% until 2020, but already in the 3rd quarter of 2017 at the end of the year, its value was adjusted to 3.5-3.8%.
• In September, the Ministry of Economic Development lowered inflation forecast in Russia for 2017 up to 3.2%, and in fact it fell to 2.5%.

Due to the threat of reducing the size of pensions in real terms when it is indexed in accordance with the usual procedure, as well as when planning the country's budget, taking into account inflation of 3.7%, the government decided to increase the insurance pension.

“Due to the fact that our forecast has changed - inflation will be 2.5% this year, the Government decided to index pensions by 3.7% from January 1 next year.”

Minister of Labor and Social Protection of the Russian Federation Maxim Topilin

Thanks to this decision, already in 2018 a more significant increase in real . The corresponding law was adopted by the State Duma along with the law on the budget of the Pension Fund of the Russian Federation and signed by the President of the Russian Federation on December 28.

Retirement Point Value (PPV) and Fixed Benefit Amount

After the pension reform, which began in 2015, the increase in the insurance (labor) pension is due to indexation (SIPC).

• From February 1, 2017, the value of one point is 78.58 rubles.
• After indexation on January 1, 2018 by 3.7%, it will be 81.49 rubles.

In the original version of the draft law on the budget of the Pension Fund for 2018, article 8 included the cost of one pension point from April 1 at 81.96 rubles, as a result of which () there was the possibility of additional indexation (81.96 / 81.49 = 1.0058, i.e. by 0.58%). However, when considering the project by the State Duma, this measure was abolished.

The amount of social pension in 2018

In accordance with part 2 of article 43 of the above-mentioned law, the specified reduction coefficient must increase annually (usually on February 1) by at least 2% until it reaches 100%, while taking into account the inflation rate, it can increase even more than 2 percent. However, the effect of the second part of this article temporarily suspended and in 2018.

The Decree of the Government of the Russian Federation provides for the introduction of amendments to the legislation, once again suspending the operation of Article 43, while leaving the reduction factor at the same level - 73.23%. Therefore, from February 1, 2018, an increase in pensions for military personnel due to a reduction factor will not take place.

As for the salaries of military personnel, their increase has been postponed for 5 years. However, the head of the Ministry of Finance, Anton Siluanov, said that the budget provides for the indexation of the monetary allowance of the military, according to the text of the document "with a projected inflation rate of 4 percent from January 1, 2018".

Other changes to pensions in 2018

In addition to increasing the amount of pensions for citizens, a number of traditional changes are also expected in 2018:

1. From January 1, increase for appointment - this is the availability 13.8 retirement points(IPK) and 9 years of official work experience.

   Recall that after the 2015 year, pensions transferred by employers (insurers) to the Pension Fund began to be transferred to, while the requirement for seniority also increased. It was decided to introduce such requirements gradually, increasing the amount of pension points by 2.4 and the requirement for service by 1 year annually.

   As a result, according to article 8 of the law of December 28, 2013 N 400-FZ, in order to assign an old-age pension, it will be necessary to have 15 years of experience and 30 IPC, however, such requirements will be established only by 2025.

2. Living wage determined to establish (FSD) for retirement, the self-employed population will increased to 24336 rubles- this is due to the increase on July 1, 2017 of the minimum wage to 7800 rubles.

   The amount of a fixed insurance contribution for this category of the population is calculated as 26% of the minimum wage multiplied by 12. “Self-employed citizens” pay contributions for themselves in the current year for the previous one, therefore, the minimum wage value of the previous year is taken into account.

Summer has come, which means that working pensioners do not have long to wait for their increase. And although its maximum size is not so large, nevertheless, pensioners are waiting for it.

The increase in the pension of working pensioners will be carried out due to the annual recalculation of the amount of the pension, taking into account the increase in pension points earned over the past (2017) year.

Many pensioners are interested in whether it is necessary to write any application or come to the FIU (or MFC) in order for this recalculation to take place. But pensioners do not need to worry, since such an increase occurs in an automatic format.

In the PFR, on your individual pension account, all information about the transfer of insurance premiums by the employer is stored, which means that the amount of newly earned points in the PFR is also there.

By August 1, 2018, the Pension Fund will calculate the amount of your increase, and from that date your pension will increase by the number of pension points earned, but not more than the maximum figure of 245 rubles.

In August 2018, working pensioners will start receiving an increased pension as a result of an adjustment made by the Pension Fund of the Russian Federation. Unlike traditional indexation of labor pensions, when their size increases by a certain percentage, this increase in pension is purely individual in nature, its size depends not only on the level of wages of a working pensioner, but also on his age.

That is, the longer a citizen is retired, the less the number of years for which the amount of contributions paid for him will be divided, as a result of which the increase in pension will be greater. “Recipients of labor pensions for old age, for disability, for which their employers accrued and paid insurance premiums last year and / or in the first quarter of 2017, are entitled to an unclaimed recalculation of the insurance part of the labor pension,” the Pension Fund added. Since 2010, there is no need for working pensioners to come to the territorial bodies of the PFR every year.

The increase in the size of the insurance part of their labor pension, taking into account the amounts of insurance premiums paid by their employers in 2017 and in the first quarter of 2018, is made annually in July without application, the fund recalled. As explained in the Pension Fund, after the upcoming recalculation in August 2018, the pension of working pensioners will not rise by more than three pension points. The cost of each in 2017 was a little over 81 rubles, which means that the maximum increase that can be counted on will be about 244 rubles.
Recently, there have been many reports in the information space that from August 1, 2018, the pensions of working pensioners will change upwards.

There was no limit to the surprise of such pensioners, since they did not at all count on the growth of their pensions after the decision of 2016 to suspend the indexation of their pension payments

Soon the details came to light, from which it became clear that in this case we are not talking about the indexation of pensions, but the recalculation. It is regularly held once a year. This year should not be an exception in this regard, so on August 1, working pensioners will receive a long-awaited increase in their pension.

An important clarification related to the upcoming increase in pensions appeared the day before. It indicates that only those working pensioners for whom employers paid insurance premiums to the Pension Fund for 2017 will be able to count on the recalculation of pensions.

The August recalculation will be made automatically, which does not require pensioners to visit the Pension Fund. Maximum pensions of working pensioners will increase by 240 rubles.

Indexation of pensions for working pensioners in 2018 is scheduled for August 1

Many people continue to work after retirement age. This category of the population has a higher income than ordinary pensioners. But they are also interested in the question of how much and when will pensions for working pensioners be indexed in 2018? Today, this problem is acute, in the past few years, due to a lack of funds in the budget, indexation was not carried out, which caused particular discontent among pensioners. Should we expect good news in the future?

Today, there are 14 million Russians in the country who, after reaching retirement age, have not gone on a well-deserved rest. Therefore, the issues of increasing the pension payments of working pensioners are among the most pressing topics discussed in society.

At the moment, older people can count on indexing their pensions only after they stop working. At the same time, the payment of the insurance pension will be carried out taking into account all planned indexations that took place during the period of employment.

If the pensioner after the indexation decides to find a job again, there will be no downward revision of the amount of the security.

• Will there be indexation of pensions for working pensioners from July 1, 2018: Latest news from the State Duma
• Latest news about the return of indexation of pensions for working pensioners already in 2018
• Latest news and latest changes in pension provision
• How many points and seniority do you need to retire in 2018?

Pensions for working pensioners after dismissal from work in 2018

Starting from January 1, 2018, the procedure was changed on the basis of which payments are indexed after the dismissal of a pensioner. The security, the amount of which will be determined taking into account indexation, should be accrued from the next month after the submission of the application.

However, the payment of the increased pension will be made only 3 months after the termination of work. However, the indexation amount for the missed period will be fully compensated.

After the termination of work, pensioners are not required to contact the FIU in order to confirm the fact of termination of employment. The dismissal will be reflected in the employer's reporting, which is provided to the fund every month.

Will there be indexation of pensions for working pensioners from July 1, 2018: Latest news from the State Duma

According to the State Duma of Russia and Prime Minister Dmitry Medvedev, the so-called indexation of pensions for working pensioners is planned for August 1, 2018. Pension points will be increased for working pensioners, which will further affect the size of the future pension.

Recalculation of pension on August 1, 2018

Let's not forget that in August of each year, pensions for working pensioners grow slightly due to the pension points accumulated over the past year.

Unfortunately, the maximum amount of such an increase in 2018 will be less than 250 rubles.

The fact is that according to the law, the maximum by which a pension for working pensioners can grow for an additional year of service is the cost of three pension points. One pension point in 2018 costs 81 rubles 49 kopecks, so even those pensioners who earn quite a lot will receive an increase of 244 rubles 47 kopecks. The rest will get even less.

The August increase in pensions by adjusting for those older Russians who continue to work after retirement is unclaimed. This means that people do not need to make any statements, payments for them will be recalculated automatically.

Indexation for pensioners from January 1, 2019

At the moment, it is known that the government aims to continue the tradition and increase the pension from January 1, 2019, at the moment it is known that the increase will be from 400 to 800 rubles, depending on the residence and the subsistence level in the area of ​​​​residence, but the situation in the world and inflation may increase this amount.

Also in 2019, indexation will be carried out for employees of state structures who have retired on a seniority basis. It remains only to wait and hope that pensions in Russia will increase every year and the prices for food, medicine and medicines will remain at the same level.

How a working pensioner can be subject to indexation of his pension in 2018

There is only one way to do this - quit your job, at least officially, and become a non-working pensioner.

The pension will be indexed starting from the next calendar month after the dismissal. True, the pensioner will not receive the increased amount immediately, but only after three months. But taking into account all the months after the dismissal.

Let's look at an example of how it works. Suppose a pensioner got a job at the end of 2016, and his pension at that time was exactly 12,000 rubles. In 2017, pensions were indexed by 5.8%. This means that in the case of indexation, the payment for a pensioner from the example would already have increased by 696 rubles. In January 2018, there was another indexation - by 3.7%. This means that the 12,696 that a pensioner should have received in 2017 would have grown to 13,165 rubles.

Let’s say the retiree in our example retires in June 2018. Since July, instead of 12,000 rubles of pension, which he received since 2016, he is entitled to a payment in the amount of 13,165 rubles.

However, in July and August the pensioner will continue to receive the same amount of pension. This is due to the fact that the former employer of the pensioner, who quit in June, will submit reports to the FIU in July, where the pensioner will still be counted as working in the state. It will not be in the reporting for July, which will go to the Pension Fund in August.

Thus, only from September - three months after the dismissal - the pensioner will receive an increased pension and compensation for the previous two months.

Until 2018, the pension for retired pensioners was indexed by default, due to the described features related to reporting, only three months after the dismissal. Now the pensioner has the right to an increase from next month, but the money will be received in his hands only after three months.

In our example, a pensioner will receive 15.495 rubles in September - this is 13.165 rubles as his new indexed pension, plus 1.165 rubles each for July and August as the difference between the old and new pensions not received.

Indexation of pension after the dismissal of a working pensioner in 2018

In 2017, a law was adopted, according to which there was a change in the period for recalculating pensions after dismissal. In 2018, working pensioners will be able to receive a pension with all missed indexes already from the next month after the dismissal. At the same time, the pensioner himself will not need to additionally apply to the Pension Fund, since this recalculation is entirely based on the monthly reporting of employers!

Previously, after leaving work, the pensioner received a recalculation of the received pension, taking into account all indexations for three months:

• the first month is the submission of reports to employers in the FIU about citizens working in the organization;
• the second month - data on the fact of work was loaded into a single software package that operates on a national scale;
• the third is the adoption by the territorial body of the PFR of a decision on recalculation.

For citizens who stopped working in 2018, the period for accruing pensions is reduced, taking into account the indexations missed during the work period. This will be possible after the entry into force from January 1, 2018 Federal Law No. 134-FZ dated July 1, 2017.

However, the process of additional accrual of missed increases will be the same for technical reasons. will also take several months. But after that, when paying an already recalculated pension after 3 months, an additional payment will be made for the entire period since the termination.

This innovation applies only to laid-off after January 1, 2018. If a pensioner quit, for example, in December 2017, then the additional indexation of his pension will be carried out only from April 1, 2018 - without additional payment for the period from January to March (in other words, these months will be lost).

Latest news about the return of indexation of pensions for working pensioners already in 2018

For deputies of the State Duma, this topic remains one of those that are regularly raised and about which bills are periodically introduced.

In 2018, there is not a single parliamentary faction that would not touch upon the issue of indexation of pensions for working pensioners and would not say that freezing payments for this category is unfair and even violates human rights.

So, the Communist Party of the Russian Federation proposed to resume indexation from February 1, 2018. The Liberal Democratic Party proposed to do this from July 1. A Just Russia went even further and proposed not only to return indexation, but also to compensate working pensioners for all the money they have lost due to the freezing of pensions since 2016.

In mid-May, the largest faction of the State Duma - United Russia - turned to the country's prime minister and, concurrently, the leader of his party, Dmitry Medvedev, with a request that the new government work out the issue of indexing payments for working pensioners. The deputies ask the Prime Minister that the Cabinet of Ministers either create their own version of the bill on this score, or use those that were submitted to the Duma by all factions.

According to the deputies, even now the budget revenues allow for indexation. Despite the fact that the main financial document of the country indicates the price of oil at $40, in practice it is sold abroad for more than $70 per barrel. This means that the Cabinet has the opportunity to increase social spending.

It is difficult to say whether the activity of the deputies is a real concern for pensioners or a simple shaking of the air.

Recall that the same Dmitry Medvedev, speaking back in the spring of 2017 in the Duma, assured deputies that the indexation of pensions for working pensioners is one of the government's priorities, reports Ros-Registr. As a result, it ended with the fact that the economic block of the same government presented calculations according to which the budget would not pull such an indexation. The case then came to nothing.

It is quite probable that today's activity of deputies is exactly from the same series and will have the same result. Working pensioners, if they grumble at the lack of indexation, do it quietly. The authorities received record support in the March presidential elections and draws a fair conclusion that people are satisfied with everything in their current situation, which means that pensioners will be patient.

It should be borne in mind, however, that any insurance pension consists of two parts:

• fixed payment(or PV) is a constant value guaranteed by the state (for all categories of recipients it is set in a fixed amount);
• directly insurance part- this is an individual calculated value, which depends on the number of pension points earned during the work.

The January indexation will affect both parts of the pension as follows:

1. The fixed payout will be increased by 3.7% to a fixed amount 4982 rubles 90 kopecks, its increase or decrease is legally established for certain categories of citizens by law No. 400-FZ of December 28, 2013;
2. The insurance part of the pension directly depends on the points earned by the pensioner, the cost of which will increase by 3.7% from January 1 and will amount to 81 ruble 49 kopecks.

In 2017, the actual inflation in the country was fixed at no more than 3%. Consequently, the increase in pensions proposed by the Government by 1.037 times in 2018 formally covers the increase in consumer prices (although, of course, in terms of its absolute value, this increase will be very small - the increase will be even less than in previous years).

How working pensioners will recalculate the pension indexation in the Pension Fund: an example of calculation

A woman born on 05/01/1962 retired in 2017 within the terms established by law and continues to work. What indexation will be taken into account when determining the amount of the pension? And from what time will the pension stop being indexed?

The calculation of the pension for this woman will be made on the date May 1, 2017. When calculating the IPC, all approved pension growth indices will be taken into account, starting from 2015 to 05/01/2017.

• The cost of one pension coefficient will be taken as of 05/01/2017 - this is 78.58 rubles.
• The fixed payment, which is part of the insurance pension, will be taken into account taking into account the indexation on the date of May 1, 2017 and is equal to 4805.11 rubles.

Further, subject to the continuation of paid work, all subsequent indexation of singing after the appointment will be suspended. Those. The indexation, carried out from January 1, 2018 by 3.7%, will no longer be applied to the pension of this woman. And this will continue until she quits her job or is fired by her employer.

Latest news and latest changes in pension provision

As it has already become clear, the increase in pensions in the new year for most categories of pensioners will be very small (inconspicuous) or, as for a large category of working pensioners, there will be none at all. But in the new year requirements will rise to the already formed pension rights and the level of wages of Russian citizens for retirement:

• For the planned values ​​provided by law "About insurance pensions", the minimum requirements required to retire from an old-age pension in 2018 will increase - now for this you will need to have at least 9 years of work experience And minimum 13.8 pension points.
• Earn new retirement points for the working population from 2018 becomes much more difficult, since the maximum value of the base for calculating insurance premiums in the Pension Fund in 2018 (based on which the points earned for the year are calculated) will be increased immediately by 16.55% - from 876 thousand rubles to 1 million 021 thousand. - in accordance with Government Decree No. 1378 of November 15, 2017. And it is unlikely that anyone in Russia is now growing at the same pace (well, if at all).

No other significant changes are expected in the Russian pension system in 2018. In particular, the lump-sum payment to pensioners in the amount of 5,000 rubles expected by many will not be paid in 2018- it was a one-time, one-time surcharge, which was due to all pensioners in January 2017 in exchange for the additional indexation provided for by law, which was missed in 2016 (and there is simply no reason to pay it in 2018).

And one of the few really good news for Russians is that no decision has yet been made to increase the retirement age, which is relevant for those who are still working or planning to retire (including men born in 1958 and women born in 1963).

Will there be a one-time payment of 5,000 rubles to pensioners in 2018?

At the beginning of 2017, recipients of all types of pensions, regardless of the fact of work, received an additional payment in the amount of 5,000 rubles. This measure was necessary in the current economically unstable situation.

Against the backdrop of high inflation and the inability to carry out additional indexation of pensions in 2016, it was decided to make a lump-sum payment in addition to citizens' pensions (Law No. 385-FZ of November 22, 2016). Thus, the pensions of Russians were "conditionally indexed", many of whom took it simply as a gift for the New Year.

Currently, according to the Government, the economic situation in the country is normalizing. Over the past 12 months, consumer price growth (inflation) has not exceeded 3%, and pensions in 2017 rose by a total of 5.78% for two indexations.

The upcoming indexation of 3.7%, scheduled for January 2018, exceeds the inflation rate for 2017. Therefore, no additional lump-sum payments (5 thousand rubles or any other) in addition to the already pledged indexation will be made!

How many points and seniority do you need to retire in 2018?

Since 2015, there has been a point system for calculating labor (insurance) pensions for citizens, in which the insurance premiums paid to the Pension Fund by the employer for their employees are converted from rubles into relative values ​​(points). The amount of contributions recorded for the year is correlated with the limit of the recorded amount of contributions approved by the Government, to which 10 retirement points(this is the maximum that can be obtained in one year).

But in order to obtain the right to retire on an old-age pension within the generally established terms, it is necessary to comply three prerequisites:

• the onset of the age established by law;
• the presence of insurance (labor) experience;
• the presence of an established value of the individual pension coefficient (IPC) or in other words, the amount of pension points.

It should be noted that this only applies to old-age pensions! Other types of pensions under compulsory pension insurance (disability, survivors) appointed independently on the duration of labor (insurance) experience and the number of points received.

Since 2018, a prerequisite for granting a pension upon reaching retirement age (now it is 55 years for women and 60 years for men) is the presence of 9 years of experience and 13.8 points individual pension coefficient (IPC).

An example of calculating pension points from 2015 to 2018

For a man born in 1965, he has an official salary before income tax (personal income tax) in the amount of 30,000 rubles (respectively, his salary for the year is 360,000 rubles). Suppose the salary of this citizen has never been raised since 2015.

At the same time, deductions for the funded part of the pension are not made for him, since he was born earlier than 1967. Thus, the employer deducts insurance premiums for this man to an individual personal account in the amount of 16% of earnings before the deduction of personal income tax - that is, 16% × 360,000 = 57,600 rubles per year. Let's calculate how many points this man has earned since 2015, when the new pension formula began to operate.

For these purposes, the Government annually approves the so-called marginal wage, the amount of mandatory deductions from which in the FIU to the individual personal account of a citizen is 16%. Thus, the maximum established salary in the country from 2015 to 2018 is the following values ​​(see table below).

In 2018, the insurance base for contributions to the Pension Fund will be 1,021,000 rubles in accordance with Government Decree No. 1378 dated November 15, 2017. Then the maximum amount of insurance premiums taken into account for the year, taken as 10 points, will be 163,360 rubles (an increase compared to 2017 immediately by almost 17 %).

Therefore, each ruble earned in 2018 will “depreciate” when converted into pension points relative to 2017 immediately by 1 - (1 / 1.17) = 15%, and relative to the level of 2015 - by more than 30!

Therefore, it is not enough to have only a constant high salary for the formation of decent pension rights. So that their volume does not decrease from year to year, according to the new pension formula salary must increase by at least 10% per year(see table above).

Let's go back to our example. To translate the monthly earnings of 30,000 rubles into points, you need to correlate the salary data (taking 16% of the annual earnings, which in this example will be 57,600 rubles per year) to the established limit values ​​\u200b\u200band multiply by 10:

• 57600 / 113760 × 10 = 5.06 points earned by a citizen in 2015;
• 57600 / 127360 × 10 = 4.52 points in 2016;
• 57600 / 140160 × 10 = 4.11 points in 2017;
• 57600 / 163360 × 10 = 3.53 points will be earned in 2018.

Thus, in just 4 years, while maintaining the same level of wages (in this example, this is 30 thousand rubles per month) the number of accrued pension points decreased by 30%(in this example - from 5.06 points in 2015 to 3.53 in 2018). Thus, in the modern pension system there is a mechanism that leads to a decrease in the level of annually accumulated pension rights while maintaining the same wage!

Yandex.Direct

Accordingly, in the considered example, since 2015, a citizen has earned 5.06 + 4.52 + 4.11 + 3.53 = 17.22 points. Moreover, if a citizen had the right to a pension in 2017, then all points accrued to him must be multiplied by 78.58 rubles - this is the cost of an insurance point from April 1, 2017. And if the right to a pension arises in 2018, then from January 1, it will be necessary to multiply by 81.49 rubles.