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What is the procedure for indexation of pension payments provided by the legislation of the Russian Federation? What will happen to the indexation of pensions for working pensioners in 2018? Indexation or recalculation of pension: what is more profitable?

Pension for working pensioners in 2018:

will there be an increase in pension

At the moment, due to the instability of the economic situation in the country, the level of negative impact on the incomes of the population of rising inflation is increasing. The annual recalculation of pensions makes it possible to reduce the impact of inflation on the welfare of citizens of retirement age. annual indexation of pensions is aimed at stabilizing the incomes of older citizens, preserving their purchasing power. It is expressed as an increase in monthly labor pension payments by a percentage of their total amount.

The procedure for indexing pensions

The legislation of the Russian Federation provides for the following the procedure for indexing pension payments:

With a sharp increase in the average price level by more than 6%, it is carried out quarterly - 4 recalculations per year.
With a significant, but not so rapid increase in prices, also more than 6%, it is held every six months. Often, in early February and August.
If the price increase does not exceed 6%, one recalculation of pension payments is carried out in the first days of February.

In 2018, it was decided to change pension indexation procedure - now the first accrual of interest will be made already on January 1, which will allow you to receive a new amount of pension payment at the very beginning of the year.

An increase in the labor pension, both its insurance part and the funded one, is possible only with recalculation, which is carried out in a declarative or non-declarative form.

When indexing, most often no special application is required, the change in the monthly payment is carried out in accordance with the legislative acts in force at that time and the order of the Pension Fund.

Latest news about the abolition of pension indexation

working pensioners in 2018

In a recent statement by the head of the Ministry of Finance, Anton Siluanov, it was stipulated that pension increase for working pensioners in 2018 due to indexation, monthly payments are not provided. Such a policy is defined as aimed at supporting, first of all, persons who do not have an additional source of income other than pension fund payments. At the same time, citizens of retirement age who continue to increase their seniority are deprived of the following interest on indexation:

From January 1, 2018, pension payments to non-working citizens of retirement age have been increased by 3.7%.
From April 1st, 2018 – an increase of 4.1% is forecasted.

The low price of the percentage of growth in pension insurance payments is associated with the low inflation rate over the past year. According to statistical studies, its average value in 2017 was equal to 3%, and in the current year it will be slightly more than 4%.

According to the latest news, in addition to indexation, the government provides for an increase in the price of the pension ball - in 2018 it should be equal to 81.49 rubles. For working pensioners in 2018, it is planned to accrue seniority points - a maximum of 3, their total cost will be 244.47 rubles. There is some slight increase in the cost here - the recalculation of the pension on August 1, 2017 provided for the price of three points in the amount of 235.74 rubles.

The head of the Ministry of Finance, Anton Siluanov, stressed that in 2018, a general universal increase in wages will be implemented, "the increase will be higher than inflation." Based on this information, we can conclude that not accruing indexation pensions for working pensioners can be made up for by a general increase in wages. According to official information on salaries in 2018, it is planned to make an increase for public sector employees within 23%. Also, on average, there will be an increase in payments to employees in other areas by 4.1% from the levels of 2017.

Cancellation of indexation for working pensioners in 2018

bill on cancellation of indexation of pension payments employed pensioners was proposed and implemented by the "pension reform" along with a number of others at the beginning of 2016, which was due to the difficult situation of the country's economy. It should be noted that all restrictions on the calculation of interest for working pensioners apply only to those on insurance coverage. For persons receiving pensions from the state or social recalculation of interest is made without fail.

At present, it becomes clear that indexation of pensions for working pensioners in 2018 remains in the same long freeze it was put into in 2015. The question of whether the resumption of the accrual of interest on pensions is planned to be brought up again for discussion by the government only when reviewing the budget for 2020. Until that time, the resumption of accruals seems unlikely.

It should be noted that all restrictions are valid only at the time of the employment contract. The recalculation of the pension, taking into account the accumulated points and indexation percentages, can be made when layoffs from the place of work. The recalculation is carried out within three months from the date of completion of employment without prior application and is drawn up according to the documentation submitted by the employer to the insurance fund.

Recalculation of pension on August 1, 2018

accrual pensions from August 1 for employed citizens of retirement age will be carried out according to the points system introduced in the Russian Federation in 2015. It provides for the calculation of monthly payments on an individual basis. So, bonuses are awarded for length of service, a certain kind of length of service, conscription service in the army, a decree on the birth of a child, caring for a disabled person of the 1st group, etc.

In 2018, all pensioners engaged in labor activity will receive a fixed monthly allowance for a year of work experience - within three points. Their number will depend on the volume and frequency of the respective payments of their employers to the Pension Fund.

This year, the cost of one pension ball is 81.49 rubles, it will be equal to the minimum increase. The maximum will not exceed 3 per year of experience and will be within 244.47 rubles.

Indexation or recalculation of pension : which is more profitable?

If interest is calculated by the state periodically and according to the current level of inflation, then we can talk about their much greater benefits. This is primarily due to the fact that in this case, payments are made by the pension fund, do not depend on the employer who calculates payments for recalculation, on the ratio of "white" and "black" wages. In addition, indexation annually accrues not fixed periodic payments, but interest on the total amount of the monthly pension payment, which allows you to increase the amount of accruals in the future.

For example calculation you can clearly see how different the payments for indexation and recalculation are. So, if a citizen has a pension of 8,000 rubles, indexation for January (3.7%) and April (4.1%) of 2018 as a whole will be equal to 636 rubles (296 + 340 rubles, respectively). His receipt of a monthly increase in the accrued recalculation points (245 rubles) will not cover the cost of interest, but will be less than half of its amount.

It is easy to imagine in the above example how much the benefit from annual indexation will differ from the benefit from point recalculation when the pension is increased to the levels of 15,000 or 20,000 rubles. With a pension of 20,000, the indexation percentage for 2018 will be about 850 rubles, which will be incomparably higher than the maximum amount of recalculation payments and will exceed them by more than three times.

Conclusion

Thus, summarizing all that has been said, we can draw the following conclusions about the situation with the indexation of pension payments for working pensioners:

Indexation is aimed at improving the financial situation of the population of retirement age. It is held annually and is one of the methods to combat inflation associated with the difficult economic situation in the country.

In order to obtain this title, certain criteria must be met. All documents are recommended to be made in duplicate. This is necessary because one package of documents is intended for obtaining a title, the other for assigning monthly payments that are guaranteed to all labor veterans:

Benefits and cash payments for labor veterans in Moscow - how to get

The procedure for providing assistance to Moscow beneficiaries - a set of services, additional payments, compensations, benefits and payments - is regulated by Law No. 70 "On measures of social support for certain categories of residents of the city of Moscow" dated 03.11.2004. Article 3 among the recipients of social services also names the holders of the sign "Veteran of Labour".

What benefits are provided by law to a labor veteran in 2020

Land tax is not included in a number of federal benefits, but at the regional level it may be prescribed in some areas. For example, in the Penza region labor veterans are exempted from such taxation, using their plots absolutely free of charge. In the Moscow Region, this measure is implemented only for pensioners, regardless of whether they belong to a privileged category.

Benefits for pensioners in Moscow in 2020 - federal or local for employed, unemployed and military

Cash monthly payments established for certain groups of citizens - heroes of the Great Patriotic War, veterans of the defense of Moscow, military operations.
Preferential rights for exemption from certain taxes - on property, personal income tax.
Compensation for payments for utilities, contributions for the overhaul of an apartment building.
Tax deductions when buying an apartment.
Benefits for disabled pensioners in Moscow and other persons for the purchase of expensive medicines according to the approved list of medicines subject to compensation.

Benefits for pensioners and labor veterans in 2020

Certificate from the place of work, which confirms the length of service and indicates the enrollment of pension payments. If a person still continues to work, this document is replaced by a certificate from the workplace, which confirms the monthly transfers to the pension fund. You need to provide original documents and their copies.

Veterans Benefits in 2020

In St. Petersburg, as in Moscow, the level of payments is higher than in the regions. This is due to the developed economy of the region and the budget of megacities, which allows allocating a sufficient amount of funds and expanding the preferential list. Sevastopol also belongs to the cities in which the level of payments is higher.

According to the latest legislative changes, in 2020 there will be an indexation of pensions and wages by 4%. And also increase the minimum wage almost up to 9500 rubles. These increases will affect the calculation of all benefits that are due to labor veterans in 2020. Therefore, 4% is an indicative figure that all labor veterans can use when calculating benefits.

Get compensation and benefits

monthly city payment;
free treatment in a sanatorium for the purpose of a medical institution, with compensation for travel in two directions to the place of treatment;
prosthetics of teeth is free of charge, except for the cost of metal ceramics, etc.;
travel in urban or railway suburban transport, when a veteran is issued a social card, is not paid;
a 50% refund of the cost of housing and communal services, the amount of compensation is transferred to the veteran’s account, either to the post office, or in cash in person. Read also the article: → "The procedure for paying compensation to pensioners for utility bills."
compensation of 190 rubles for telephone services in Moscow every month;
A veteran can purchase a metro ticket at the price of a monthly payment.

In 2020, veterans of labor will increase the pension

In Moscow, the minimum pension will increase. The mayor of Moscow supported the proposal of the Council of Veterans to raise it immediately by three thousand rubles. From the beginning of next year, the city social standard will be 17,500 rubles. Almost 1.4 million pensioners will receive the increase.

What benefits are provided to labor veterans in Moscow in 2020

Therefore, a labor veteran who rarely uses public transport can convert this benefit into money, as well as, instead of waiting for medicines, take a “living coin” and purchase them himself. However, it should be remembered that the Muscovite himself makes the choice between money and benefits, and it is up to him to decide what is more profitable for him.

Benefits for labor veterans in 2020

Behind many years of fruitful work. Achievements are marked by awards and commendations. Recognition of the state was received - an elderly person was assigned veteran status. On the hands of the treasured crust - a certificate, a citizen thinks about what benefits are due to a labor veteran in addition to the monthly pension guaranteed to every Russian in view of reaching a certain age by law.

Benefits for labor veterans for 2020

In recent years, the number of social benefits for Russians has been constantly decreasing, because in the federal budget, due to the crisis, there was an acute shortage of financial resources. It is not surprising that many today are interested in what will be the benefits for labor veterans in 2020, and are they planning to reduce their volume again in order to save the budget?

Benefits for federal pensioners and veterans of labor for 2020

in Krasnoyarsk will increase material benefits. Now, every month, honored labor veterans will receive 550 rubles;
Perm officials allowed their residents in the status of labor veterans not to pay the tax rate for owning a summer cottage up to 600 sq. m. area;
in Togliatti, the local municipality provides a discount on utility bills with arrears. The amount of the discount is 110 rubles so far, but it is planned to increase it in the near future;
Kemerovo residents who are retired veterans are provided with a percentage of discounts on medical products. Not so long ago, social cards were introduced in Kemerovo, like the residents of St. Petersburg;
Irkutsk local rules dictate giving way to labor veterans in a polyclinic, shop, post office, etc. City telephone communications for residents of Irkutsk in the status of a veteran are paid by the municipality;
in Crimea, veterans use preferential telephone communications. They also join housing cooperatives out of turn and without contributions.

What benefits can veterans of labor take advantage of in 2020

All other benefits for labor veterans are provided in each region separately. In order to familiarize yourself with the current list, you must contact the USZN at the place of residence. However, there are a number of fairly general privileges that are implemented in many regions.

Benefits for Moscow pensioners and labor veterans 2020 how is it different

Many Russians say that benefits for pensioners will be abolished in Russia. However, it is not. Support for elderly citizens is carried out both at the federal and regional levels. Not all pensioners will be able to receive benefits, this is the main feature of applying for assistance in 2020.

Labor pensions in Russia in 2018 for non-working pensioners will be indexed above inflation one month earlier- that is, not from February 1, as is traditionally done and established by law "About insurance pensions", A since January 1, 2018. This will be done in order to ensure next year not only a nominal increase in pensions, as has been the case for the past few years, but also their growth in real terms(that is, above the inflation rate). This increase will affect recipients of all types of insurance pensions - old age, disability and survivors, with the exception of.

In order to index pensions in 2018, a draft law was developed in a special format, which was adopted and signed by V.V. Putin on December 28, 2017.

This was announced on September 18, 2017 by the Minister of Labor and Social Protection of the Russian Federation Maxim Topilin based on the results of the Government meeting, which discussed the forecast of Russia's socio-economic development for the next 3 years, the draft federal budget and state extra-budgetary funds.

By what percentage will pensions be increased in 2018?

Thus, from January 1, 2018, based on the results of the indexation of the insurance pension by 3.7%, the size of one pension coefficient will increase from the current 78.58 to 81.49 rubles, and the base amount of the fixed payment will increase from 4805.11 to 4982.90 rubles(see table below).

In Art. 8 of the text of the introduced draft law on the budget of the Pension Fund, it was indicated that, in accordance with the rule established by part 22 of Art. 18 law "About insurance pensions", from April 1, 2018, the size of one pension coefficient will be RUB 81.96, due to which the total increase in the cost of IPC in 2018 will be (81.96 / 78.58 - 1) = 4,3% . However, in the process of considering the draft law by the State Duma, this measure expelled.

Will there be indexation for working pensioners in 2018?

Indexation of pensions in 2018 in Russia will be carried out only for those who are already retired. There are no plans to reopen in 2018.

As the head of the Ministry of Finance of the Russian Federation noted Anton Siluanov, it's connected with rising real wages in the country, which will continue in 2018 and which will exceed inflation in the country. In this regard, according to the Ministry of Finance, there are more opportunities to increase their income in 2018 than the unemployed. At the same time, it was once again noted that all missed indexations during the period of continuation of labor activity by pensioners will be carried out as soon as they stop working. Until then, they will only be entitled to, held annually from August 1 in an amount not exceeding 3 pension points, according to the paid ones.

Thus, while in 2018 for working pensioners, it is envisaged to maintain, which was in effect in 2016 and 2017. However, back in the spring, Prime Minister Dmitry Medvedev proposed to return to the discussion of this issue. In this regard, on September 18, Deputy Prime Minister for Social Affairs Olga Golodets proposed to hold another separate meeting on this issue, taking into account the interests of all interested parties.

Increase in social pension in 2018

Disabled citizens in accordance with Art. 25 federal law "On State Pension Provision in the Russian Federation" are indexed in proportion to the increase in the subsistence minimum for pensioners over the past year. The indexation coefficient is determined in March immediately before it is held and is approved by a separate Government Decree.

In this regard, now the percentage of increase in social pensions can be called very tentatively. As the head of the Ministry of Labor said on September 18 Maxim Topilin, their indexation from April 1, 2018 is planned tentatively at 4.1%(forecast).

As early as January 1, there will be a 3.7 percent increase in labor pensions for non-working pensioners (for old age, for disability and for the loss of a breadwinner). This indexation will be carried out one month earlier than usual, as the Government decided to index these types of pension payments above the inflation rate, which was at a record low level (less than 3%) in 2017.

Attention

The moratorium on the indexation of pensions in 2018 will be maintained - that is, employed citizens who are already retired will be able to count only for recalculation from August 1 on accrued pension points for the previous year. All missed during the indexing moratorium, they will be able to receive.

Photo pixabay.com

In addition to the indexation of pension payments, in 2018 also in the basics of pension provision for Russian citizens, which will affect the conditions for retirement upon reaching retirement age and the formation of pension rights for working citizens. Another question that worries pensioners in connection with the new year is whether it will be (alas, but no - this time there will be no such payment).

Indexation of pensions in 2018

According to the provisions of Law No. 400-FZ of December 28, 2013, insurance (labor) pensions of citizens must be indexed annually from February 1 to the inflation rate of the previous year, and if the PFR has additional financial resources, indexation is repeated on April 1. But in the new year the traditional The procedure for indexing labor pensions will change: their increase will occur 1 month earlier - already.

Social pensions and other social payments made by the Pension Fund, will be raised as usual on the actual level of price growth for 2017:

At the same time, an increase in insurance pensions. Recall that the indexation of pensions for working citizens was suspended in 2016 due to the difficult economic situation in the country. This freeze helped the state save 12 billion rubles. However, all missed indexations must be compensated to the citizen already.

Pension increase from January 1, 2018 (latest news)

In accordance with the law adopted by the State Duma on December 15, 2017 (introduced by the Government as draft law No. 274624-7) on changing the procedure for indexing insurance pensions in 2018 all types of this pension provision (for old age, for disability, for the loss of a breadwinner) should increase from January 1, 2018 by 3.7%. At the same time, the previous procedure for increasing labor pensions is suspended until the beginning of 2019, and this increase does not apply to working pensioners (see the text of the law below).

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:

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;
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.

Attention

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).

Increase in social payments to pensioners in 2018 from February 1

From February 1, 2018, there will also be an increase (indexation) of all social payments of the Pension Fund provided for various categories of citizens (disabled people, veterans, heroes of Russia, etc.). They are provided in the form of monthly cash transfers (CTS), an integral part of which is also a set of social services (NSS).

In general, the NSI consists of three parts (medicines, travel and sanatorium treatment) and is provided at the choice of the pensioner one of two ways:

in kind (that is, directly social services);
in monetary terms with the rejection of natural.

The cost of a set of such services (each part separately) is determined by law and increases in direct proportion to the growth of the monthly payment (UDV) - i.e. by the same percentage. In 2018, this increase is planned at a level of less than 3%, so beneficiaries will hardly feel such an increase. Preliminary values of the EVD and NSO in 2018 can be found in the table.

Attention

Thus, from February 1, 2018, it is planned to index social payments (including a set of social services) to the actual level of inflation of the previous year. In the draft Government Decree, this value was fixed at 3.2%, but the actual inflation will be less than 3%, so the increase will be even smaller (the same applies to child benefits in 2018).

Indexation of social pension in 2018 from April 1 by 4.1%

A social pension is a special type of pension, which is characterized by the absence of a pensioner for any reason of seniority. Such a pension is assigned in a fixed amount approved by law. And, as a rule, the size of social pensions is significantly lower than estimated labor (insurance) pensions.

It should be noted that in the last two years there has been a decrease in the established growth rates of social pensions. So in April 2017, this type of pension was indexed by only 1.5%. In 2018, it is planned to reach the usual (pre-crisis) increase in the level of this type of pension provision - the projected increase in social pensions will be approximately 4.1% in April 2018.

Unlike labor pensions, the indexation of social pensions is tied to changing the living wage for a pensioner for the previous year. Therefore, the amount of indexation of insurance and social pensions for the same year may differ (although in both cases it is related to actual rise in consumer prices).

Thus, one of the positive changes in 2018 is a more tangible increase in the subsistence minimum (PM) in the country, including separately by region. At the same time, the established PM allows all non-working pensioners to receive additional payments (the so-called social benefits up to the living wage- federal and regional), if the amount of their pensions is lower than the approved values.

Attention

According to the legislation, the level of a citizen's pension must always be not below the subsistence level in the region where he resides (hence the Government's seemingly bizarre claims that “There are no low-income pensioners in Russia”- they all receive pensions in combination with other social benefits in the amount of at least the PM.

Since 2010, applications for the appointment of a pension have already included a section on receiving social supplements. If your pension was assigned before 2010, and you did not submit a separate application for an additional payment, and the amount of the pension is below the established subsistence level in the region, then you must independently contact the territorial bodies of the Pension Fund.

Pension increase in 2018 in Russia for working pensioners

The laws adopted in the State Duma do not provide for any changes for the working population receiving pensions for 2018. And this means that pensions will continue to be paid to working pensioners. without annual indexation.

Recall that the indexation of pensions was stopped in February 2016 for those citizens who continue to work, exercising their right to pensions. The Government's plans included not indexing pensions for working Russians up to 2019.

This moratorium on indexation of pensions operates as follows:

Those citizens who retired before February 1, 2016 and retained their jobs remain without an increase in their pensions from February 2016.
For citizens who have become pensioners, after February 1, 2016, when calculating the individual pension coefficient (IPC), all increases that took place on the date of the emergence of the right to a pension are taken into account.
If you continue working and at the same time receive a pension, all subsequent indexations from the moment of employment will not apply again.

Attention

Working pensioners have the right to increase the size of the pension only through an annual recalculation according to the employer. From August 1 of each year, the pensions of such citizens are increased by the number of points taken into account in the previous year for the period of employment and payment of insurance premiums during this period. But no more than 3 points per year!

An example of how working pensioners will recalculate pension indexation in the Pension Fund

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 will no longer apply to this woman's pension. And this will continue until she quits her job or is fired by her employer.

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 - the data on the fact of work was loaded into a single software package that operates throughout the country;
the third is the adoption by the territorial body of the PFR of a decision on recalculation.

Attention

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).

Photo pixabay.com

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 (inconspicuous) or, as for a large category of working pensioners -. But in the new year requirements will rise to the already formed pension rights and the level of wages of Russian citizens for retirement:

No other significant changes are expected in the Russian pension system in 2018. In particular, the expected by many in the amount of 5000 rubles 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).

Attention

And one of the few really good news for Russians is that a decision has not yet been made on what 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) will be made in addition!

Will there be an increase in the retirement age in 2018 (latest news)

In the past few years, the most discussed and acute for Russians is the issue of raising the retirement age. In many other countries, including post-Soviet ones, relevant decisions have already been made and are being implemented.

For example, from January 2017 in Belarus, the retirement age will be increased annually by six months until women reach 58 and men 63. In Kazakhstan, the same values \u200b\u200bare valid - for women at 58 years old, for men at 63 years old.
In many developed countries, such as Germany, men retire at 65 and women at 60.
In Ukraine, the Verkhovna Rada adopted a law on pension reform, which also includes an increase in the current retirement age.

Attention

Now this question is ripe in Russia. According to the Government, first of all, it is interconnected with the fact that the length of the working age is increasing in the country - i.e. about a third of Russians already stop working after retirement due to age.

However, so far, due to the great unpopularity of this measure, the Government of Russia has not yet made a final decision to extend the retirement age (although many consider this issue resolved and note that it will most likely begin to be implemented after the next presidential election, which will be held in March 2018 — but so far it's just a rumor).

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.

Attention

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 amount to 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 of almost 17% compared to 2017).

Attention

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

Welcome to website. In the article we will talk about the increase in pension. Pension payments, as well as other inflation processes, increase annually. For example, in Moscow there will be not only an increase in the base part, but also additional payments to pensioners who are entitled to them.

But, the pension for working pensioners will not be indexed again this year. So what will be the increase in pensions this year in the country and what to expect for pensioners.

All the events that took place in pension accruals in 2019, in which there were also increases in pensions for pensioners, marked the beginning of new reforms in the pension reform. In accordance with the law, now, in order to receive a pension, a number of mandatory conditions must be met, these include:

Reaching the appropriate retirement age, which is 65 for men and 60 for women.
Availability of work experience for calculating a pension.
The presence of a sufficient number of pension points.

Each year, until 2025, there will be an increase in the requirements for retirement points and earned seniority. In 2019, the requirements were 10 years and 16.2 points, in 2020 11 years and 18.6 points, and so every year. According to these data, each citizen will be able to make an independent calculation, that is, to determine whether his length of service is appropriate, as well as the number of points for retirement.

Another innovation has also come into effect. Since 2019, each working citizen himself determines how much money will be allocated to the funded part of his pension, from 1% to 50%. A person can use the accumulated savings in a retirement account even before he retires. The issue concerning the transfer of the funded part by inheritance is under consideration.

Changes in the reform also affected the pensions of civil servants. In connection with the changes, the retirement age of these employees will increase annually by 6 months, and the minimum length of service will be 20 years. In 2019, civil servants can retire at 56 for women and 61 for men. The maximum retirement age will be reached by 2026 for men, their age will be 65, and by 2032 for women, their retirement age will be 63.

How much is the pension indexed this year

Under the new legislation, pensions will be indexed in 2020 to protect citizens from the consequences of last year's inflation. As in previous years, the pension increase will take place in two stages:

On January 1, 2020, there was an increase in the old-age pension, but not all pensioners will receive indexation, it is due only to those who have no other sources of income, that is, working pensioners will not receive it, their pension will remain at the same level. Previously, such an increase took place on February 1, but this year the funds were included in the budget in advance.
April 1, 2020 - increase in social pension payments and state pensions. These types of pensions will be increased by 7%.

The increase in pension in 2020 is not an independent payment. The addition of the amount of the pension for children occurs at the time of recalculation, since in 2015 there was a change in the accrual of labor pensions. As a result, this pension is now affected not only by seniority, but also by periods, the so-called non-insurance ones. This period includes caring for a child under the age of 1.5 years.

The increase in pensions for pensioners in 2020 has a number of important points that will not mislead each recipient of this payment, these include:

Pensioners who began to receive a pension after 2015 should not apply to the Pension Fund for recalculation, since it is made automatically when the pension is calculated and is already included in the payment. The recalculation is made only if the woman has periods not taken into account when calculating the pension, or periods taken into account under the new law, for which pension points are now accrued.
Filing an application for this recalculation is not limited by time frames, that is, a pensioner can apply for a recalculation at any time convenient for him. The appeal can be not only when visiting the PF in person, but also when contacting the MFC at the place of residence or using the portal of public services (gosuslugi.ru).
An increase after recalculation for children is not guaranteed for all pensioners, since replacing seniority with maternity leave does not always create an increase. That is, the pension will be increased in only 20% - 30% of cases, the amount of the increase can range from several rubles to several hundred rubles, in some cases the pension may increase by several thousand rubles.
If after the recalculation the amount of the pension decreases, then in fact the amount will remain the same, since according to the law the pension cannot be lower than the one assigned, and the Pension Fund will refuse to recalculate the pension.

What will be the increase in pension in 2020? It does not depend on the year of birth of children, that is, they can be born before 1991, and after that time.

Many people think that when recalculating the allowance, only children who were born before 1991 are taken into account, since according to the new legislation, the experience gained in the "Soviet era" gives a good pension supplement, but now this experience does not play a big role in calculating the pension, for At the moment, a big increase is given by the points that pensioners earn. Mothers who reached retirement age before 2015 fell under the old law, but these are pensioners with an honorable age, their age may already be over 70 years old.

But this does not mean that if a woman had children born after 1991, then she is not entitled to this recalculation, it’s just that under the new law it may not play a role and not affect the amount of pension payments.

It is worth knowing that those moments when a woman was on maternity leave for up to 1.5 years does not automatically increase pension payments. There are many cases when replacing seniority with maternity leave does not give an increase.

Cases in which the replacement of seniority for maternity leave gives an increase more than enough, these include:

If a woman gave birth to 2 or more children and cared for them until she was 1.5 years old.
If there were several children in one pregnancy - twins or triplets.
If at the time of maternity leave, the mother was not employed - she studied or simply did not have an official employment relationship.
If she retired with a minimum work experience.
If the mother's pension was established on the basis of low earnings - below the national average.
If, taking into account all the circumstances presented above, a woman's pension is paid in an amount close to the subsistence minimum.

There are also a number of cases when replacing seniority with maternity leave may not give an increase in pension, these include:

If the pensioner has an only child.
If she has a long work experience, including attributable to the birth of children.
If the pension was originally calculated from high wages. However, a salary exceeding the national average by 20%, until 2002, was not taken into account when assigning a pension. That is, the ratio of earnings for this period in most cases does not exceed 1.2, but this is usually enough to ensure that the recalculation of the pension for children according to “non-insurance” points does not give any gain in comparison with the previously assigned option.

As a result, only those pensioners who have two or more children, as well as had a short work experience and a small salary, can count on receiving an increase for children.

This recalculation is not done to pensioners who receive a preferential pension. If a recipient who retired early requires a recalculation and replacement of the length of service with maternity leave, he may lose the right to early retirement.

Number of points for children who can add

According to the new legislation, the amount of the pension is directly affected by the accumulated pension points, which are recorded directly in the pension fund account. Previously, this parameter was reflected in rubles, now in relative units, which give the right to receive an insurance pension.

The formation of these points on the pension account occurs in two ways:

At the time of payment by the employer of mandatory insurance premiums. In 2020, the employer is required to pay 22% of the total salary of the employee, of which 6% goes to create a fixed fee, and 16% to accrue these points.
Points can be taken into account during the period of non-insured events, that is, when a person is not working and no insurance contributions are made to him. Then the formation of pension rights is carried out with the help of the state, it can be conscription service in the army or maternity leave up to 1.5 years.

It is worth knowing that maternity leave now, by law, lasts 3 years, so only half of this leave, that is, 1.5 years, goes into pension accruals. At the same time, the woman receives a monthly allowance for child care.

When a pension payment is accrued, the points accumulated on the account and the length of service are multiplied by the value of the coefficient, which is established at the legislative level. At the moment, from January 1, 2020, the cost of one point is 93 rubles.

In accordance with the innovations, now the period of maternity leave of up to 1.5 years will be credited to the experience of one of the parents, but in total this experience should not exceed 6 years. That is, the experience of the parent will include care for no more than 4 children. The number of points awarded will differ for each child, meaning that the third and fourth children will receive more points than the second and first children.

For one point in 2020, 93 rubles are due:

For care for one child, 1.8 points are given for 1 year of care, and 2.7 points for 1.5 years of care. Accordingly, the maximum possible amount of the increase will be 235.55 rubles.
For caring for a second child with 1 year of care, 3.6 points are given, and with 1.5 years of care - 5.4 points. Accordingly, the maximum possible amount of the increase will be 471 rubles.
When caring for a third child, with 1 year of care they give 5.4 points, and with 1.5 years of care - 8.1 points. Accordingly, the maximum possible amount of the increase will be 706 rubles.
When caring for the fourth child, with 1 year of care they give 5.4 points, and with 1.5 years of care - 8.1 points. Accordingly, the maximum possible amount of the increase will be 706 rubles.
As a result, for four children, you can get a maximum increase of 2118 rubles.

But it is worth knowing that the maximum increase will be given only to those women who at the time of maternity leave were not in an employment relationship and this moment was not taken into account when calculating pension payments.

Otherwise, the maximum that exists will be reduced, there are a number of reasons for this:

The exception is the accrual of pensions under the old pension reforms, that is, when seniority will be replaced by maternity leave.
There will be a reduction in the working period due to replacement with maternity leave.

Correct calculations and accurate pension accruals can only be made by an employee of the pension fund. The calculation is made on an individual basis, so the increase for women who had the same number of children will be completely different, since the formation of pension rights is made for each pensioner individually.

If, after the recalculation, the pension turns out to be lower than it was originally accrued, the Pension Fund employees will refuse to recalculate and leave the previous amount of the pension payment.

We draw up an increase in the pension for children

To find out if there will be an increase in the pension, and to recalculate, the pensioner needs to contact the PF department at any time convenient for him. If, after recalculation, the pension payment increases, then from the 1st day of the next month the pensioner will receive a pension, already taking into account the increase. It is worth knowing that the pension increase for 2 children over the past months will not be paid, that is, accruals will only be made from the moment of application.

A pensioner can submit documents in several ways:

With the help of a personal appeal to the PF department. But given the large influx of pensioners for the recalculation of pensions, it is necessary to make a preliminary appointment and come on the appointed day and time.
By contacting the MFC. But only if the MFC provides this service. As a rule, now the pension fund and the MFC cooperate in large cities and many regions of the country.
Using the portal of public services (gosuslugi.ru). Here, the application is submitted in electronic form after the authorization of the pensioner in his personal account. A verified account is required to apply. After the application is submitted in this way, it is required to bring a package of necessary documents to the PF branch within 5 working days. If the pensioner does not submit documents within this period, then the application will not be considered and it will have to be submitted again.
By registered letter. The application is filled out manually, for this you need to take the form on the PF website. Original documents are not sent by mail, they will need to be photocopied and notarized.

Documents required for registration of the increase

An increase in the pension from January 1, 2019 for children is due only to those pensioners who cared for children until they reached the age of 1.5 years, and for whom the assignment of a pension was made before the beginning of 2015. Recalculation can be made by pensioners who have an old-age or disability pension. Recalculation can only be carried out by submitting an application to the Pension Fund branch, which makes a pension payment.

To recalculate, you must fill out a regular application for an increase in pension, the form of this application is approved at the legislative level.

The following documents must be attached to the completed application:

Pensioner's passport.
SNILS.

Recalculation of the pension will be made only upon submission of the necessary documents.

As a rule, all non-insurance periods of a pensioner, including maternity leave to care for a child until he reaches 1.5 years old, are in the Pension Fund. If these data are not available for some reason, then the pensioner will need to provide additional documents:

Birth certificate of all existing children.
Documents that will confirm that the children have reached the age of 1.5 years, these may be documents that were issued to the child later - a passport, a diploma of education, a school leaving certificate.

If the birth certificate contains a note that the child has received a passport, then additional documents confirming the age will not be required to be provided.

Pension increase in 2020 in Moscow

The increase in pension in Moscow will depend entirely on the type of pension payment, that is, old-age pension, state or social, as well as on the length of residence in Moscow. In addition, if the calculated amount of the pension is lower than the norm established by law, then the pensioner is entitled to a mandatory supplement, which will equate the amount of the pension to the size of the norm. This rule varies depending on the situation, that is:

The subsistence minimum for a pensioner.
City social standard - GSS.

In accordance with the law, if pension accruals are lower than the minimum subsistence minimum, then the pensioner is made a mandatory additional payment, the amount of which is the difference between the pension and the subsistence minimum. It is worth knowing that such an additional payment is due only to those pensioners who have lived in Moscow for less than 10 years. For native Muscovites, another monthly compensation is paid.

In 2018, in Moscow, the living wage for a pensioner is 11,816 rubles, which means that if the pension of a pensioner is below this amount, then he is entitled to an additional payment from the region, that is, to receive a pension in this amount. After an increase in pension payments in Moscow in 2020, there will be an increase in the living wage to 12,578 rubles.

For residents of the capital city and regions equivalent to it, who have lived in it for more than 10 years, they are entitled to another social supplement, as they are considered native Muscovites. For this category, the amount of pensions should be equated to the value of the city's social standard. The city social standard in 2020 is 19,500 rubles, so those Muscovites who are eligible to receive this pension will receive a special allowance that will equate the pension to this amount.

Also, innovations in the pension reform did not bypass the privileged categories of pensioners. Such pensioners include citizens who have stopped their labor activity, some working pensioners and the disabled. An increase in pensions in the capital will also take place up to the value of the city's social standard. The amount of this standard this year will be increased to 19,500 rubles. This amount is considered the minimum when receiving pension payments by pensioners who have lived in the capital for more than 10 years and are considered native Muscovites.

The increase in pensions in 2020 affected all categories of pensioners, citizens who retired before 2015 can receive a recalculation for children after submitting the necessary documents and preliminary recalculating pension payments in the pension fund.