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Where can you find out your pension? The amount of the funded pension

Previously, a fairly simple formula was used to calculate the amount of the pension - each future pensioner could use it to independently calculate.

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But relatively recently, certain reforms have been carried out in the current legislation on this matter. In this connection, independent calculation has become difficult, but you can still find out the amount of the pension - via the Internet.

What does it depend on

In order to approximately know the amount of your future pension, you need to remember what exactly affects its size.

To get acquainted with the information on this matter is quite simple:

  • through the website of the Pension Fund of the Russian Federation;
  • by contacting the PFR office directly, its employees are obliged to provide the most detailed information on this matter to the citizen who applied.

First of all, the size of the pension (regardless of its component - funded / insurance) is affected precisely by the amount of wages.

Since it is it that is the basis for calculating the corresponding contributions in favor of the Pension Fund of the Russian Federation, which accumulates such deductions for their subsequent investment and further payment to the pensioner. To date, the tariff has been set at a rate of 22% of wages.

That is why the higher the salary, the more significant the amount of the pension will be at the time of reaching retirement age. And accordingly, the less it is, the less the pension.

Accordingly, when calculating black wages, from which contributions are not paid, payments will simply not be made.

Those interested in a sufficiently large salary will need to get a sufficiently well-paid job. Otherwise, the amount of pension savings will be minimal.

The second important factor, which no less significantly affects the amount of deductions of the corresponding type, is the choice of a non-state pension fund. At the moment, the state has divided the pension into insurance and funded.

The accumulative part must be placed in a special non-state pension fund. This institution works on the principle of a bank - funds in the form of a pension are a contribution.

The NPF effectively manages such funds. As a result, he receives a certain income. In the future, it will be a pension payment.

The size of this type of pension directly depends on the success of the investment, the correct choice of the investment portfolio. This point is covered in sufficient detail in the current legislation on the territory of the Russian Federation.

When choosing a NPF, it is necessary to focus on the following parameters:

It is the second characteristic that directly affects the size of pension accruals. And usually the most profitable non-state pension funds are the least reliable.

Since usually an extensive investment portfolio with high returns implies some risks. But ordinary citizens have nothing to fear - the entire funded part of the pension is insured without fail. Even if the NPF goes bankrupt, no one will be left without a pension. Its value will only decrease.

How to do it

Today, in order to find out the amount of your pension, there is no need to leave your own home. All you need is a personal computer with Internet access.

To implement all the necessary operations, it will be enough just to go to the official website of the Pension Fund of the Russian Federation.

The procedure for getting acquainted with the amount of this type of pension is as follows:

  • open the browser and go to the website of the Pension Fund;
  • to enter your personal account, you will need to enter your login and password - they are identical with similar data from the State Services portal;
  • if you already have a username and password, you will need to enter them, and then indicate the SNILS number (or mobile phone number, email) in the appropriate field;
  • after the implementation of all the data indicated above, it will be necessary to open the section "personal account of the insured person" - then select "get information about the formed pension rights";

  • after selecting this menu item, a transition will be automatically made to a page that will display the total number of pension points, as well as the length of service;

  • we open the menu section called "information about the experience and earnings" - it contains the most detailed information about all periods of employment;

  • it is necessary to receive an extract on the current state of the pension fund in a text version - you can save the received document to a personal computer and, subsequently, print it out;

  • then you need to click on "calculate the future insurance pension" - in this section you can find out exactly how many insurance points are accrued in a certain period;

Further, it will be enough just to fill in the field with the amount of wages until the deduction of personal income tax. Thus, it will be possible to find out exactly how many points for a particular billing period were accrued.

In this case, you can use the calculation simple or more detailed. The more information provided, the more accurate the calculation will be.

How to find out the amount of the funded part of the pension on the Internet

The easiest and fastest way to get acquainted with the size of the funded part of the pension is to interact with your account through the State Services portal.

To implement this procedure, you will need to perform the following steps:

  • log in on the State Services website (if there is no login and password, it will be necessary to log in without fail);
  • enter passport data, as well as information about SNILS;
  • go to your personal account - open the tab "pension savings";
  • click on the button "get information about the status of the personal account";
  • the window that opens will display full information about the personal account of a particular citizen who applied for information.

Future

The easiest and most accurate way to find out the size of your future pension is to contact the regional branch of the PFR directly.

If, for some reason, this is inconvenient or there is no opportunity to do this yet, you should use a special calculator on the PFR website.

To carry out this procedure, you will need to enter the following basic data:

  • gender, year of birth and length of service;
  • the amount of the official salary;
  • previously chosen method of implementing pension provision;
  • during what time the applicant carried out military service;
  • amount of children;
  • duration of stay on parental leave;
  • duration of care for a disabled relative;
  • whether there are plans to work in agriculture;

After entering all the data indicated above, you will need to click on the "Calculate" button. The more accurate the above data is, the more accurately the amount of the future pension will be displayed.

What to look out for

The last couple of years, the pension legislation of Russia has been seriously reformed, the rules and principles of pension contributions have changed, it has been introduced, it has become possible to transfer part of the contributions to non-state pension funds, pensions for working pensioners have been regulated separately, and much more. These innovations are sometimes difficult to understand and understand how much money and where are charged for your future pension.

Do you know that you can check your pension savings not only during a personal visit to the branch of the Pension Fund of the Russian Federation, but also online on the single portal of public services (EPGU)? For such a check, you will need only two documents: an insurance certificate and an identity document (for example, a passport). This publication will help you learn about the easiest way to check your retirement savings using the SNILS number.

How to check pension contributions by SNILS number?

We remind you that each employer must transfer insurance premiums to the Pension Fund for each of its employees in accordance with the Labor Code of the Russian Federation. In the period up to 2013, the issue of checking pension savings did not arise among citizens, in view of the fact that each of them was sent a document from the pension fund with a report on the amount of pension savings for the past year. But, starting in 2013, this procedure was abolished and letters from the Pension Fund of the Russian Federation began to arrive only upon an official application from citizens.

Currently, you can check your pension savings using the SNILS number by personally contacting any branch of the Pension Fund, presenting your insurance certificate and passport to the PFR employees.

How to check pension savings according to SNILS online?

The service for checking the "balance" of pension contributions online became available to citizens of the Russian Federation through a single portal of public services not so long ago. In order to find out the amount of your pension savings according to SNILS via the Internet, you need to go to the gosuslugi.ru website and select the required service in the catalog of public services. In our case, this is “Retirement Savings”.

The next step is to request an extended statement from the Pension Fund account. The procedure is carried out within a few minutes, after which you will receive a letter - a report with the amount of savings for your pension. If necessary, the pension statement can be printed out through the user's personal account.

Please note that this service is not available for clients of non-state pension funds (NPFs). In this case, you can only request information on your pension account on the relevant official websites of non-state pension funds.

Is it possible to check the SNILS number online?

From time to time, many people need to find out the SNILS number and ideally do it online, however, according to the explanations of the Pension Fund of the Russian Federation published on the official website, it is strictly confidential and cannot be distributed via the Internet (we already wrote about this earlier). It is possible to obtain information about the number of the insurance certificate only by contacting the PFR department in person.

Currently, there are a number of Internet resources that allow you to check the validity of the insurance number of an individual personal account (SNILS) online. For example, on the new portal of the Social Insurance Fund of the Russian Federation (http://portal.fss.ru/fss/lgot/snils) you can check the insurance number of an individual personal account (SNILS) to establish its correctness. To do this, just enter the number of the insurance certificate in the search bar.

As you can see, the procedure for checking pension savings on your personal pension account using the SNILS number is elementary and is carried out without a pile of papers and queues. We remind you that there are two absolutely simple and legal ways - a personal appeal to the Pension Fund and an Internet request on the public services portal. Both options are free and do not require a long time investment.

SNILS check for pension savings can be made via the Internet or by contacting the Pension Fund directly. To do this, you will need a SNILS number and an identity document. How check SNILS correctly and quickly, we will tell below.

How to find out pension contributions according to SNILS?

Contributions to the Pension Fund are made by the employer. Until 2013, all citizens received a document with a report on pension savings, so the question of verification of SNILS on the subject of pension savings, no one arose. From 2013, such letters will only be sent to those who have written a relevant application.

How to check SNILS by number?

Check SNILS by number You can visit any branch of the Pension Fund by submitting an appropriate request and presenting, in addition to SNILS, your passport.

How to check SNILS via the Internet (check SNILS online)?

To check pension savings according to SNILS via the Internet, just go to the website of public services and select the service "Pension Savings".

Here you need to order an extended Pension Fund account statement. Within a few minutes, your request will be fulfilled and you will receive a corresponding statement, which you can print or view later in your Personal Account.

If you are a client of a non-state Pension Fund, you can request information about the status of your pension account on their official website.

How to check SNILS number online?

On the official website of the Pension Fund of the Russian Federation there is a corresponding explanation that SNILS cannot be checked via the Internet. This information is classified as confidential, and only the Pension Fund can give it to you in person.

But today there are online resources that allow you to check the SNILS number online. For example, following the link http://mosgorcredit.com/index/poisk_strakhovogo_nomera_individualnogo_licevogo_scheta_snils/0-62, you can find out who owns it by the SNILS number. To do this, you just need to enter a number in the line.

Checking pension savings by SNILS number is easy. You have two legal ways: when contacting the Pension Fund and by making a request on the public services portal. Both of these options are free and you can quickly get complete information about the status of your retirement account.

A pension is a payment made by the state to citizens who have reached old age. This type of compensation can be received by people with sufficient experience for this, and beneficiaries. For example, they can be received due to disability or loss of a breadwinner. After the reform, the state made changes to the calculation of these payments. Only the calculation of pensions for those born before 1967 remained the same.

How is your pension calculated today?

For citizens over 50 years old, the calculation of pensions for those born before 1967 is carried out in a special way. The amount consists of a mandatory fixed state part and an insurance part. The value will depend on the following factors:

  1. the person's age;
  2. number of years worked, profession;
  3. on the amount of wages received.

The procedure for calculating pensions for those born before 1967 depends on the following factors:

  1. Whether the person is a participant in the co-financing program. Financing is state support in the form of additional accruals to old-age benefits, allowing a citizen to increase personal contributions to his future funded share. Several parties can participate in co-financing: the citizen himself, the state (this is a voluntary matter and is carried out on the basis of an application), the employer (this is not necessary, but many enterprises consider this an additional motivation within the framework of the social package they provide)
  2. Does the citizen make regular payments on account of the funded part of future compensation.

Legal Framework

The calculation of pensions for those born before 1967 is regulated by federal law 400-FZ of December 28, 2013. This law discusses aspects of calculating the insurance part. The following types of insurance pensions are provided: old-age insurance, disability insurance, occasional insurance. The federal law 173-FZ “On labor pensions” can also be attributed to the regulatory framework, in which you can also familiarize yourself with the aspects of pension payments.

General procedure for calculating pension payments

In order for a citizen to be able to count on receiving benefits for the insurance part, the future pensioner must meet the following conditions:

  1. Men can claim compensation at the age of 60, women at the age of 55 (some categories of people may apply for old age compensation before this age).
  2. Insurance experience must be at least 15 years.
  3. Important individual coefficients by which you can calculate the IPC pension. For each period of seniority, a person is awarded a certain point (coefficient). Their sum must be at least 30.

If it is necessary to calculate the pension for those born before 1967, each condition must be considered separately. Old-age labor compensation is assigned to people who have reached the age: for men - 60 years, for women - 55 years. There are certain categories of citizens who can count on early exit, on a well-deserved rest. These include:

  1. citizens who worked in certain conditions (harmful, etc.);
  2. having certain specialties and positions;
  3. having a certain work experience, labor or insurance.

These include:

  • persons who worked in underground structures or in workshops with elevated temperatures, with particularly difficult working conditions;
  • women who worked at high intensity or operated heavy machinery;
  • railroad workers;
  • geologists, prospectors;
  • working sea and river vessels;
  • miners;
  • aviation industry workers;
  • rescuers;
  • teachers;
  • physicians working with the public.
  • mothers of many children with five children, or two or more;
  • visually impaired or injured as a result of hostilities.

Early compensation includes a preferential type of pension, which can be received by the following groups of citizens:

  1. If their activities were associated with heavy physical labor or work in adverse conditions.
  2. If the work was carried out in the conditions of the Far North or in an area equated to the same.
  3. If the working conditions included a certain deadline, after which, regardless of age, it was time to go on a well-deserved rest.

Individuals who raise children alone can count on the insurance share. If the sole breadwinner had a certain period of work, then the insurance share is also charged. To apply for any type of old-age benefit, you must confirm that the breadwinner is absent or dead by providing a death certificate or a court decision declaring missing.

Seniority

The second condition for receiving insurance benefits is the length of service. These are periods of time during which a person made contributions to the Pension Fund. There are two types of insurance experience:

  1. ordinary - this is a type of experience when deductions to the PF are made by citizens working under normal working conditions;
  2. special - unlike the usual, this experience characterizes the type of work in special (for example, harmful or dangerous) conditions.

Work experience until January 1, 2002

The length of service until January 01, 2002 is calculated in calendar order according to the actual duration of each period. Personal storage papers will become confirmation of the fact of work, military service or the period of child care, and for calculating the insurance part. What should a person submit to the fund:

  1. work book;
  2. employment contracts;
  3. salary certificates for five consecutive years of work until 01.01.2002;
  4. military ID;
  5. birth certificate of the child;
  6. Marriage certificate.

Only if the fund has these documents, he can count on the timely appointment of a pension in the prescribed amount. To account for hours worked since 2002, an individual personal account with a permanent insurance number must be opened in the Pension Fund for each insured citizen. In it, civil servants are required to reflect:

  • data on the periods of labor activity;
  • information on wages up to 01.01.2002;
  • amounts accrued and paid by the employer or personally insured person of insurance premiums.

Accounting for hours worked since 2002

Information about the periods of work and salary until 2002 in the Pension Fund is provided by the employer in 2003-2004. If during these periods a person did not work or the employer provided incomplete or inaccurate information, then the fund will not have the necessary information. If the insured person doubts that all the information has been provided, then you can always apply and provide the missing information about the length of service and salary until 2002. The following periods are included in the length of service:

  1. army, service in the police department;
  2. service in the bodies and institutions of the criminal correctional system;
  3. receiving social benefits for temporary disability (decree);
  4. caring for a child up to 1.5 years;
  5. registration for unemployment;
  6. redirection of a civil servant for employment in another locality;
  7. participation in public works;
  8. exile or stay in prison or colony;
  9. caring for a disabled person;
  10. from the attainment of a citizen of 80 years.

What periods are included in the length of service

Based on the law, the minimum insurance period increases every month. In 2015 it was 6 years, in 2019 it will be 9 years, and in 2025 it will be 15 years. If, upon reaching old age, the minimum number of years has not been worked out, then the insurance compensation for old age will not be accrued. The insurance period is determined by entries in the work book showing the period of official employment of the employee.

If the employee’s work book is lost or some records are missing, then the following documents will confirm the experience:

  1. employment contracts;
  2. certificates issued to the employee at previous places of work;
  3. extracts from orders (for example, orders for admission and dismissal);
  4. personal accounts of the employee;
  5. pay slips.

Since 2019, innovations have come into effect for calculating pensions for those born before 1967 using new formulas. By law, people who have worked for 35 years are eligible for additional pay. And for those who have worked (officially) for more than forty years (40 years for women, 45 for men), upon entering a well-deserved rest, the state will pay an even larger bonus.

The third condition for receiving insurance benefits is individual coefficients. This is the number of points earned for 12 months or those periods that are included in the length of service. These coefficients are calculated depending on the salary of a person, subject to his official employment. The higher the salary, the higher the rates. The main condition is that before entering a well-deserved rest, the coefficients should not be less than 30.

Based on the law "On Insurance Pensions", increasing requirements for the minimum pension coefficient have been established. If, from January 1, 2015, old-age insurance compensation is assigned if there is a coefficient of at least 6.6, then with a subsequent increase in the coefficient annually by 2.4 by 2025, its maximum amount will be 30.

All periods will be included in the length of service if they had labor activity lasting at least one working day, during which deductions to the Pension Fund took place. Coefficient increase scheme:

year of retirement

Minimum coefficient

from 2025 and later

Pension for those born before 1967

The Government of the Russian Federation in 2019 is actively pursuing pension reform. The calculation of the pension for those born before 1967 consists of three shares. This:

  1. base share;
  2. Cumulative share;
  3. insurance.

Basic part

Basic is a fixed compensation that every person who has reached old age receives, regardless of the length of service. Effective January 1, 2002, the final base rate was set at 450 rubles per month. This amount is due to all citizens who have reached old age and have a work experience of more than 5 years. Its size is affected by the age of the person.

Accumulative part of pension provision

This share is available only to those citizens who were born before 1967 and are members of the TSO. It is formed if in the period from 2002 to 2004. the employer paid monthly insurance premiums for the funded share of labor activity in the amount of 6% of wages. It is formed on a voluntary basis for participants in the Program for State Co-financing of Pensions and persons who directed funds from maternity (family) capital to. The total amount going to the funded share should not exceed 463,000 rubles per year.

On the basis of the federal decree, paragraph 11 of Art. 31 “On investing funds to finance the funded part of the labor payment in the Russian Federation”, insured persons born before 1967, who entered into an agreement on compulsory pension insurance and applied for transfer to a non-state fund (NPF), submit an application for refusal to finance the funded part and direction for financing the insurance part in the amount of 6 percent of the individual part of the insurance premium rate.

Citizens can find out about their savings in the Pension Fund of the Russian Federation by writing an application in the prescribed form. State security payments, in accordance with paragraph 2 of Art. 217 of the Tax Code of the Russian Federation, are not subject to taxation, are not taken into account in the calculation of personal income tax, with the exception of payments if an individual has voluntary insurance of the funded part.

insurance pension

It includes the entire length of service accumulated by 2002, the amount of wages and a special coefficient. Let us analyze the methodology for calculating the insurance share, which should be calculated according to the following algorithm:

  • SP \u003d PB * CB * PC1 + FV * PC2, where:
    • SP is the amount of funds calculated for the payment of an insurance payment;
    • PB - points accumulated over time;
    • Central bank - the price for 1 point established at the time of calculations;
    • PC1 and PC2 are increasing premium coefficients for entering a well-deserved rest at a later period;
    • PV - fixed amount

The procedure for applying for a pension

Learn about the procedure, how to apply for a pension, where to apply, and what papers are needed for this. It is recommended to start making payments in advance in order to have time to fully prepare the papers. With a full package, you must contact the authorized body for the calculation and payment of benefits. There is a step-by-step instruction for calculating the payment and submitting documents to the FIU. The full list of documents is given below.

Document submission deadlines

The second step is to submit documents to the Pension Fund of the Russian Federation. After the collection, at any time after reaching old age (for women, the age should be 55, for men - 60 years or more), you must contact the Pension Fund of your region to assign and calculate the amount of payments. Then the calculation of the payment for those born before 1967 starts from the date of submission of the application with a full set of documents.

Where to apply

If the Pension Fund requests the provision of additional information, then the specialist accepting the documents does not have the right to refuse to submit the application. The applicant must submit the missing information within 3 months. If the deadlines are met, then compensation will be accrued from the date of application. If the deadline is missed, then it will be necessary to submit the full package of documents again, and the date for applying for the purpose of payment has been changed. The application to the fund must be considered within 10 days from the date of submission of the full package of papers.

After calculating the payment, the moment of its receipt is important. If all the documents are executed correctly and submitted on time, the amount will be calculated and issued on the 10th day. If the pensioner submitted the details of a bank card or account, then the payment is made to it, on the 10th day, and there is no need to apply anywhere. When receiving money by mail, there may be delays of 1-3 days required for the processing of a new application by the postal service. If the amount is less than the subsistence level (it is 10-11 thousand rubles), contact the Pension Fund.

The last step applies to those citizens who, after taking a well-deserved rest, continue to work. For them there is a recalculation of payments. It is necessary to submit to the Pension Fund a certificate from the place of work on the accrued wages for the year and the insurance compensation paid, fill out and submit the corresponding application to the fund employee. It will be reviewed within 10 days. Each person chooses for himself whether to work or immediately after the onset of old age to go on a well-deserved rest.

What documents need to be provided

The first step is the preparation of documents. There is the following list of papers:

  1. a passport for citizens of Russia or a residence permit for citizens of foreign countries;
  2. all forms about study and education;
  3. in the original and copies - a work book;
  4. if necessary, certificates from the employer may be required;
  5. insurance certificate (SNILS);
  6. marriage certificate;
  7. a certificate confirming the place of residence and the existing composition of the family;
  8. copies of documents confirming the identity of dependents;
  9. certificate of the average salary of the employee at the last place of work;
  10. details of the banking institution that will deliver the payments;
  11. application to the Pension Fund;
  12. certificate of average monthly salary until 01.01.2002 for 60 consecutive months;
  13. certificate stating that no other type of payment has been assigned to the person.

How to calculate your pension

Each person who goes on a well-deserved rest can calculate the pension on his own, knowing the formulas and parameters for calculating it. It is possible to make an online calculation, there are also calculators. If you cannot make an independent calculation, you can contact the Pension Fund to learn how to calculate or request information about future income.

General formula

The formula for the calculation will look like this:

  • P \u003d FV + LF + MF, where
    • PV - fixed share (basic);
    • LF - cumulative share;
    • SC - insurance share.

The procedure for determining the insurance part

The fixed share is set by the state. Each citizen has his own savings share. Therefore, we need to know how the insurance share is calculated. There is a calculation principle for this:

  • MF \u003d PC / T, where:
    • MF - insurance part;
    • PC - pension capital;
    • T is the estimated time that compensation will be paid, measured in months

From this formula, we do not know the value of the pension capital, which must be calculated in a new way. The capital is made up of the values ​​of conditional pension capital (CPC) and estimated payment (RP). Calculated according to the formula:

  • RP \u003d SK * ZR / ZP * SZP, where:
    • SC is the coefficient for the worked experience. It is equal to 0.55 (for men, whose experience is 25 years, for women - experience of 20 years). For each year worked in excess of the length of service, 0.01 is charged, although this indicator should not be more than 0.75.
    • ZR / ZP is the ratio of wages to the average earnings in the country. Its level should not be more than 1.2.
    • SZP - the average wage is calculated by the Pension Fund in the amount of 1671 rubles.

After calculating the estimated payment, you can find out the amount of conditional capital:

  • CPC \u003d RP - BC / T, where RP is the estimated compensation, BC is the base part, T is the estimated time of payment, measured in months.

To calculate the insurance part, we only need to know the value of PC1, which can only be found in the Pension Fund of the Russian Federation (PFR). When you know all the data, you can calculate the insurance share, and as a result, calculate what benefits you can count on when you go on a well-deserved rest. Every year the state raises pensions. This is affected by indexation and inflation. Indexation is an increase in the amount of payments that is made annually.

Calculation example

Citizen Sidorov Ivan Sergeevich, born in 1956, can retire in 2016. The work experience of a citizen is 29 years. His monthly salary was 1700 rubles. It is necessary to consider step by step the calculation of the pension:

  1. First you need to calculate the coefficient of experience. For 25 years of experience, the coefficient is 0.55, for each subsequent year there is an increase of 0.01. The final rate of a citizen will be 0.59 points.
  2. Divide the salary by the average salary, i.e. 1700:1671 = 1.02.
  3. Substitute these figures into the formula (see above) and find the pension capital ratio: 1.02 x 1671 x 0.60 - 450 (fixed payment in 2002) x 228 (approximate number of months of compensation) = 130564.66. This is how the capital for 2002 is calculated.
  4. Every year the government indexes pensions, because of this it is necessary to multiply the resulting number by the total coefficient: 130564.66 x 5.6148 \u003d 733094.45 - this is the amount of Ivan Sergeevich's pension capital by 2019.
  5. A small allowance is made for the post-Soviet period of work from 1991 to 2002, it is equal to 0.1 of the amount of capital and amounts to 73309.45.
  6. To all these allowances, you need to add the amount of compensation collected on your personal account, which the employer has paid since 2002. According to the Pension Fund, they amount to 856,342.10 rubles. Calculation principle: add up all these numbers: 733094.45 + 73309.45 + 856342.10 = 1662746.00.
  7. Divide the amount received by the approximate period of benefit payment, so you will determine the benefit (228 months): 1662746.00: 228 = 7292.75.
  8. Multiply the individual pension coefficient (for contributions it was 106.393) and the value of the point (in 2019 it is 78.28). You will receive an additional insurance part: 8328.44 rubles.
  9. Add the basic fixed payment to the insurance part, the minimum amount of which is currently 4805.11 rubles. You will receive the final payment, the amount of which is (8328.44 + 4805.110) = 13133.55 rubles.

Video

Upon reaching the appropriate age, becoming disabled and in other cases established by law, a citizen receives a certain remuneration from insurance, pension and other funds. In other words, retirement.

Are there any calculation errors?

Pensioners and the disabled belong to socially vulnerable categories of the population. The social security of such persons is guaranteed by the state. Recalculation and revision of pensions is a frequent phenomenon, while no one is immune from incorrect accrual.

Basically, such errors are associated with the human factor, but this is not the only reason. There may also be failures in the operation of the software with which the calculations are made. That is why the question arises as to whether it is possible to check the correctness of the calculation of the pension.

The pension that Russians receive after the recent reform consists of two parts: insurance and funded. Since this system is relatively new, not all of its features are clear, so sometimes there are doubts about the correctness of its calculation.

If a pensioner is not sure that the amount of his pension payments is determined correctly, he has the opportunity to demand adjustments if errors are found.

Where to check

First of all, you should figure out where to check the correctness of calculating the pension. If a pensioner has any doubts about whether he receives the correctly calculated amount, he will have to apply directly to the Pension Fund of Russia. The application should indicate a request to re-verify the correctness of the calculations of the amount of pension payments and submit it to the PFR branch, in accordance with the pensioner's registration address.

Within five days from the date when the application was accepted, where a citizen asks to check the correctness of calculating the old-age pension, PFR employees are obliged to clarify whether the pension is correctly calculated and notify the applicant of the results of the check. If it turns out that the amount of payments was indeed calculated with errors, then, in accordance with applicable law, it will be adjusted automatically.

Brief instructions for verification

In addition to contacting the FIU, it is advisable to know how to check the correctness of calculating the pension yourself. To do this, you will need: a work book and a calculator, a certificate of the amount of monthly average earnings for 5 consecutive years, or for the period from the beginning to the end of the year.

Now it's time to do some math:

  1. First you need to find out the size of the seniority coefficient. 55% is taken as the basis. For women, such a coefficient is set for a length of service equal to twenty years, for men - for 25 years of work. Every year, if a person continues to work further, the seniority coefficient increases by 1% (but not more than 20%).
  2. The average income for one month is calculated. This can be done by dividing the amount of income for five consecutive years by the number of months in five years (sixty).
  3. Information will be required on the average monthly salary established in the Russian Federation for the period that was accepted in the calculations in paragraph 2.
  4. The average salary in the Russian Federation, which was calculated in the third quarter of 2001 and approved by the government of the country as the basis for calculating pension payments, is 1,671 rubles.
  5. The ratio of the number obtained in paragraph 2 to the figure in paragraph 3 is calculated. If we are not talking about residents of the Far North, then a ratio of 1.2 or less should be taken into account.
  6. The estimated amount of payments will be: the length of service coefficient (from paragraph 1) multiplied by the number from paragraph 5 and by 1,671 from paragraph 4.
  7. The pension capital is calculated. For this, the following actions are performed:
    • 450 rubles must be subtracted from the value obtained in paragraph 6 (the basic part of the pension as of January 1, 2002);
    • what happened is multiplied by the estimated period during which the payment of old-age benefits is planned (for example, from January 1, 2010 it will be 192 months).
  8. The amount obtained in paragraph 7 must be indexed by multiplying by a multiplying factor corresponding to the year. It can be clarified, including on electronic portals, which contain information on how to check the correctness of calculating the old-age pension.
  9. The part of the benefit, which is called the insurance part, will be equal to the result of dividing the pension capital by the indicative period during which the benefit will be paid.
  10. The result of dividing the total value of insurance premiums on the date of assignment of benefits for the same period that was used for the calculations in paragraph 9 is added.
  11. To the result obtained in paragraph 10, you need to add the amount of the basic payment from the insurance fund established by the government. This is the desired amount of pension.

By comparing the result of the calculations with the amount of the pension assigned in the Pension Fund, you can understand whether you should apply for recalculation. Having carefully studied the instructions on how to check the correctness of calculating the pension, you can independently find out if the PFR is right.

Payout by age

To understand how to check the correctness of calculating a pension, it is important to know about all the current changes in this matter. Thus, the year 2015 is notable for the fact that from this date it is planned to gradually increase the minimum value of the total length of service that will be required to calculate the retirement benefit by age. Previously, it was five years. Starting from the date of the introduction of the changes, over the next ten years, 1 will be added every year, and by 2025 the minimum to be worked out will be equal to fifteen years.

If the total number of years worked for calculating the old-age pension is not enough, then it is possible to apply for a social pension. Starting in 2025, it will have to be paid to women over 60 and men over 65.

Hazard pension: useful information

The category of harmful, according to statistics, includes almost 50% of all enterprises whose work is related to industry. Early completion of work and access to a well-deserved rest are a kind of compensation for people who are constantly exposed to risks. That is why the question of how to check the correctness of calculating the harmfulness pension is relevant.

But first of all, you should find out which conditions are considered harmful or dangerous:

  • increased level of humidity;
  • low degree of illumination;
  • high degree of environmental pollution (gases, dust, etc.);
  • increased noise level;
  • labor obligations associated with the use of or being in close proximity to harmful or toxic substances (for example, in the chemical industry).

Before checking the correctness of calculating a pension, it is important to know some of its features. In order to retire ahead of schedule, the total experience of the fairer sex must be at least twenty years, of which at least 10 years the potential pensioner must be a worker in hazardous production. For men, the minimum total length of service is 25 years, of which work in conditions deemed harmful must be twelve and a half years or more.

At the same time, two lists of harmful professions are distinguished. For professions that can be found in list No. 1, the retirement age will come earlier by another five years.

List No. 1 is quite small, it includes people whose labor activity was directly related to underground work, work in hot shops or in production in harmful conditions.

List No. 2 is much broader, it includes: employees of educational and medical institutions, workers in the food and light industries, employed in mining and transport.

To apply for a harmfulness pension, it is enough to contact the PFR branch, which is located at the place of residence, with the following documents:

  • passport;
  • a document confirming that the person worked in conditions giving the right to early exit for a well-deserved rest;
  • salary statement;
  • men will also need a military ID.

The basis for calculating pension payments will be: the amount of contributions to the Pension Fund and the length of service. The provision of additional benefits, as well as the lists of hazardous industries, are reviewed and supplemented regularly.

It should be noted that the list of people eligible for early retirement now also includes people of art (for example, actors), as well as those who earned seniority at enterprises in the Far North.

A little about social benefits

In order to understand how to check the correctness of calculating the old-age pension, you should know that a pensioner can be credited with a social supplement from the federal or regional budget.
For this, the following conditions must be met:

  • pensioner should not work;
  • the amount of the pension is less than the subsistence minimum established for the region where the pensioner lives.

At the same time, the amount of the additional payment and the actual pension is equal to the subsistence minimum.

If the latter in a certain region is higher than that established in general in the country, then a regional surcharge may be charged.

Instead of a conclusion

Pensioners are considered socially unprotected citizens. It can be difficult, and sometimes even impossible, to live on their income. That is why, in case of any doubts, you should contact where you can check the correctness of the calculation of the pension.