Supplement to pension in January of the year. Calculation of pensions for women with two children

in Moscow they do not differ from all-Russian ones. The only difference is that for residents classified by regional legislation as native Muscovites, additional payments are not set to the city social standard.

For other residents of Moscow - up to the regional subsistence level. There is no such standard in the Moscow region; all-Russian rules apply here.

In 2015

In 2015, the social standard in Moscow was twelve thousand rubles. This amount is at the same time the minimum possible insurance pension for native Muscovites (including additional payments). For other residents of Moscow, the minimum insurance pension, together with the regional surcharge, was 9,046 rubles.

In the Moscow region, the minimum pension in the first quarter of the year was 8,029 rubles, in the second - 8,400, in the third - 8,400, in the fourth - 7,867. The average pension excluding surcharges for 2015 was: in the capital - 9,046 rubles, in the region - 7,549 rubles.

In 2016

To calculate an old-age pension, seven years of insurance experience were required. In its absence, men over the age of sixty-five and women over the age of sixty receive social benefits. Its size as of June 1, 2016 was 4959 rubles 85 kopecks.

At the beginning of 2016, the social standard in Moscow remained the same as last year - twelve thousand rubles.

After indexation on 02/01/2016, the average amounts (excluding surcharges) of insurance pensions in Moscow:

  • for old age - 13.1 thousand rubles;
  • for loss of a breadwinner - 8.3 thousand rubles.
  • for disability - 8.2 thousand rubles.

in 2016 it was 9850 rubles.

From 01.03. In 2016, the capital's social standard was raised to 14,500 rubles. The minimum pension for other residents of the capital, taking into account regional surcharges, is 11,428 rubles, in the Moscow region - 8,950 rubles.

In 2017

Eight years of insurance experience is required to obtain it. The increase in social standards and the minimum pension depends on the results of 2016 and the beginning of 2017 in the country and region.

This year, inflation is already reaching seven percent; in the future, according to various forecasts, it is expected to range from four to ten percent. It is installed accordingly. Although, according to the experience of previous years, due to a lack of funds, its implementation may be postponed until the spring, when the presidential elections will be held.

From the point of view of the election campaign, it is very logical to accumulate a two-year indexation reserve so that pensioners receive a significant increase in January-February 2018, just before the March vote.

In 2018

As expected, the minimum Moscow pension will be increased in 2018. The increase will be 3 thousand rubles - from 14,500 to 17,500.

The value of the federal minimum wage

For 2016

At the beginning of the minimum wage in the Russian Federation in 2016, it was 6203.6 rubles. From July 1, 2016, the federal minimum wage was increased to seven thousand five hundred rubles. In Moscow, the minimum wage from 06/01/2015 is sixteen thousand five hundred rubles, in the region – twelve thousand five hundred.

For 2017

For 2018

The minimum wage in the Russian Federation from 01/01/2018 is 9489 rubles.

For 2019

The minimum wage in the Russian Federation from 01/01/2019 is in the amount of the subsistence minimum of the working-age population in Russia as a whole for the second quarter of last year.

City surcharges, pension supplements since 2017

Based on the experience of this year, in 2017 there is no need to fear the abolition of the Moscow allowance. If the Moscow government finds funds, it is logical to expect its next increase before March 2018, when the presidential elections will be held.

At the proposal of the Ministry of Labor and Social Protection, already in 2016 or from the beginning of 2017, a restriction on pension payments may be introduced to persons whose earnings since the beginning of 2016 amounted to more than a million rubles and they continue to receive income at the same level.

For non-working pensioners - native Muscovites, the minimum pension in Moscow is currently fourteen thousand five hundred rubles (social standard); for others entitled to an insurance pension - 9,850 rubles (living wage).

Deadlines for pension payment in Moscow through Sberbank

Since November 1, 2015, through branches, regional branches of the Pension Fund transfer pensions to their recipients three times a month from the third to the twenty-second.

  1. Those who previously received pensions in the first ten days receive a transfer on the tenth day.
  2. Those who received the eleventh to fifteenth – the twelfth monthly.
  3. Those who received on the sixteenth to twentieth now receive the transfer on the twenty-first.

After the introduction of a social standard in the capital, many people appeared who wanted to increase their salary through dishonest means. Pensioners from other regions registered with Muscovite relatives, for a fee - with anyone who provided such a service.

PF inspectors unsuccessfully searched for these supposedly new Muscovites at the place of residence they indicated. They continued to live in the same place, and received pensions on bank cards or issued powers of attorney. Or they tried to settle in Moscow by any means as retirement age approached.

Meanwhile, the social standard is not a privilege for metropolitan residents, but compensation for the higher expenses of metropolitan residents compared to other regions on food, consumer services, transport, and utilities.

Employers in Moscow pay higher wages to enterprise workers; the minimum wage here is higher than in most regions. Pensioners are paid extra by the city budget. Fictitious residents thus plundered it, although their costs are still at the regional level.

Real migrant retirees are also undesirable in the capital: there is an acute shortage of labor. The influx of unemployed people only exacerbated this problem. Therefore, the Moscow government was forced to take action.

From 01/01/2013, an additional payment up to the social standard is established only for native Muscovites - citizens who have been resident in the capital for at least ten years.

The residence qualification includes the total time of registration in the capital and annexed territories (permanent residence), obtained by adding up all periods of such registration during life. For recipients of additional payment up to the social standard registered before 01/01/2013, the procedure for receiving it is preserved.

Other citizens who have been settled for less than ten years and have temporary metropolitan registration receive a pension no less than the metropolitan subsistence level. Upon reaching ten years of settlement, they are given an additional payment up to the social standard.

When moving to another place of residence, citizens of the Russian Federation receive an additional payment up to the subsistence level of the region where they are permanently registered. For Muscovites who have moved to another place of residence, the additional payment up to the social standard of the capital is not maintained.

However, if a Muscovite registers at a new place of residence and retains his permanent residence permit in Moscow, the pension will still be transferred to his account in Sberbank as before or paid under a notarized power of attorney.

To receive it, the pensioner annually confirms the fact that he is alive, by personal appearance at the Pension Fund branch, with a certificate from a Russian notary; competent institution of a foreign state, embassy, ​​consulate of the Russian Federation, if the pensioner is abroad.

A document confirming being alive is the act of personal appearance drawn up in such cases. For those who need it to pay a survivor's pension, a certificate of paid work performed abroad is also drawn up. If they are not submitted on time, the pension will not be paid. When they are subsequently provided, the payment is resumed.

Payment of pensions in Moscow is made the next day after they are accrued. For each pensioner, the contract establishes a personal date for receiving pensions. It is not assigned later than the 25th day of the month for which the pension is calculated.

If the scheduled date for receiving a pension falls on a weekend or holiday, it is paid before that day.

What is the pension of a labor veteran?

In the Russian Federation, pensions for labor veterans will increase by 15 percent in 2016. In addition, pensioners with this title have the right to increase additional payments to their pension by monetizing the benefits they are entitled to for the purchase of:

  • travel tickets, subscriptions;
  • medicines, therapeutic agents;
  • vouchers to the sanatorium.

Federal residents living in the capital are entitled to special city payments. They are established by various acts of current legislation

What is more profitable: a pension from the capital or the region?

In Moscow, native Muscovites receive additional payments up to the social standard, currently - 14,500 rubles, from the beginning of 2018 - 17,500 rubles. In the Moscow region, a social supplement also exists, but the algorithm for calculating it is complex and individual in each case.

Being a native Muscovite pensioner is more profitable than being a pensioner in the Moscow Region. In this sense, those residents of the region who are permanently registered in settlements included within the borders of New Moscow are lucky. Along with the annexation, they automatically received Moscow benefits; their time of living in these settlements, including before annexation to the capital, was counted towards the residency requirement.

Indexation of pensions in Moscow

All types of pensions received in the Russian Federation are indexed annually. In 2015, insurance pensions were increased by 11.4 percent, social pensions by 10.3 percent; in 2016, insurance and social services – by 4 percent.

For pensioners from among former city officials of the capital, additional payments to their pensions are established by Moscow Law No. 3 of January 26, 2005. The amount of these additional payments increases annually by 3 percent from 55 percent of the rate for the last position held, established by law for men with 12.5 years of civil service experience, and ten years for women.

The amount of the pension and additional payment does not exceed eighty percent of the salary of an official of the corresponding rank.

For other civil servants of the capital and region in 2017, payment for length of service will be assigned if they have 15 years of civil service experience. The basic amount is 45 percent of earnings for the last year (12 months) of work.

For each additional year of service over fifteen, the percentage of payments increases by 3%, but not more than 75 percent of earnings for the last year.

From January 1, 2017, pensions for civil servants will be granted annually six months later than in the previous year, reaching a maximum of sixty-five years for men and sixty-three years for women. It must be assumed that the rest of Russia will undergo a similar procedure for raising the retirement age no earlier than the second half of 2018, after the inauguration of the president.

Indexation of pensions in 2018 in Russia will be carried out in three stages:

The moratorium on 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 based on accrued pension points for the previous year. They will be able to receive all the indexation missed during the moratorium.

In addition to the indexation of pension payments, in 2018 there will also be changes 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 of working citizens. Another question that concerns pensioners in connection with the onset of the new year is whether there will be one (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 level of the previous year, and if the Pension Fund has additional financial resources, indexation is carried out again on April 1. But the new year is 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 promoted as usual to the actual level of price growth for 2017:

At the same time, an increase in insurance pensions. Let us 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 save the state 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) on changing the procedure for indexing insurance pensions in 2018 all types of pensions (old age, disability, survivors) should increase from January 1, 2018 by 3.7%. 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 that any insurance pension consists of two parts:

  • fixed payment(or FV) 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 work.

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

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

In 2017, actual inflation in the country was recorded 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 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 payments (MCB), an integral part of which is also a set of social services (NSS).

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

  • in kind (that is, directly by social services);
  • in monetary terms when refusing natural food.

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 (EDV) - 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. The preliminary values ​​of EDV and NSU in 2018 can be found in the table.

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

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 pensioner’s lack of work experience for some reason. 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 the calculated 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 growth of social pensions in April 2018 will be approximately 4.1%.

Unlike labor pensions, indexation of social pensions is tied to change in the cost of living of 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 associated with actual increase in consumer prices).

Thus, one of the positive changes in 2018 is a more noticeable increase in the cost of living (LS) 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 supplements up to the subsistence level- federal and regional), if the size of their pensions is lower than the approved values.

According to the law, the level of a citizen’s pension should always be not lower than the subsistence level in the region, in which he lives (hence the seemingly strange statements of the Government that “There are no low-income pensioners in Russia”- they all receive pensions in combination with other social benefits in an amount not less than the monthly minimum wage.

Since 2010, pension applications have already included a section on receiving social benefits. If your pension was assigned before 2010, and you did not submit a separate application for an additional payment, and the pension amount 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. This means that working pensioners will continue to receive pension amounts without annual indexation.

Let us recall that the indexation of pensions was stopped in February 2016 for those citizens who continue to work, having exercised their right to pension provision. The Government’s plans included not indexing pensions for working Russians up to 2019.

This moratorium on pension indexation operates as follows:

  • Those citizens who retired before February 1, 2016 and retained their jobs will remain without an increase in their pensions from February 2016.
  • For citizens who became pensioners after February 1, 2016, when calculating the individual pension coefficient (IPC), all increases that took place on the date the right to a pension became available are taken into account.
  • If you continue to work and simultaneously receive a pension, all subsequent indexations from the date of employment will again not be applied.

Working pensioners have the right to increase their pension only through annual recalculation according to the employer. From August 1 of each year, the pensions of such citizens increase by the number of points taken into account in the previous year for the period of labor activity and payment of insurance contributions 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 May 1, 1962, retired in 2017 within the period established by law and continues to work. What indexations will be taken into account when determining the size 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 included in the insurance pension will be taken into account taking into account indexation as of May 1, 2017 and is equal to 4805.11 rubles.

Further, subject to continued performance of paid work, all subsequent indexations of singing after appointment will be suspended. Those. the indexation carried out will no longer be applied to this woman’s pension. And this will continue until she quits her job or is fired by her employer.

Indexation of pension after dismissal of a working pensioner in 2018

In 2017, a law was adopted according to which the period for recalculating pensions after dismissal was changed. In 2018, working pensioners will be able to receive a pension with all missing indexes from the next month after 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 pension received, taking into account all indexations in three months:

  • the first month is the submission of reports to employers to the Pension Fund about citizens working in the organization;
  • the second month - data on the fact of work was loaded into a single software package operating nationwide;
  • the third is the adoption by the territorial body of the Pension Fund of the Russian Federation of a decision on recalculation.

For citizens who stopped working in 2018, the period for calculating pensions is reduced, taking into account indexations missed during work. This will be possible after entry into force from January 1, 2018 Federal Law No. 134-FZ of 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 this, when paying an already recalculated pension after 3 months, an additional payment will be made for the entire period following dismissal.

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

Latest news and latest changes in pensions

As has already become clear, the increase in pensions in the new year for most categories of pensioners (barely noticeable) or, as for the large category of working pensioners -. But in the new year demands will increase to 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 amount expected by many in the amount of 5,000 rubles will not be paid in 2018- this was a one-time, one-time additional payment that was due to all pensioners in January 2017 in return for the additional indexation required by law that was missed in 2016 (and there is simply no reason to pay it in 2018).

And one of the few truly good news for Russians is that no decision has 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 a high level of inflation and the impossibility of carrying out additional indexation of pensions, in 2016 a decision was made to make a one-time payment to citizens’ pensions (Law No. 385-FZ of November 22, 2016). Thus, the pensions of Russians were “conditionally re-indexed”, many of whom perceived this simply as a New Year’s gift.

Currently, according to the Government, the economic situation in the country is normalizing. Over the past 12 months, the increase in consumer prices (inflation) does not exceed 3%, and pensions in 2017 rose in total according to two indexations by 5.78%.

The upcoming indexation of 3.7%, planned for January 2018, exceeds the inflation rate for 2017. Therefore, no additional one-time payments (5 thousand rubles or any other) will be made besides!

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

In the last few years, the most discussed and acute issue for Russians is question of increasing the retirement age. In many other countries, including post-Soviet ones, corresponding 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 years and men 63 years. In Kazakhstan, the same values ​​apply - for women at 58 years old, for men at 63 years old.
  • In many developed countries, such as Germany, men become pensioners at 65 years old, and women at 60 years old.
  • In Ukraine, the Verkhovna Rada adopted a law on pension reform, which also included an increase in the current retirement age.

Now this issue has come to a head in Russia. According to the Government, it is primarily due to the fact that the working age in the country is increasing - i.e. About a third of Russians already stop working later than retirement.

However, due to the great unpopularity of this measure, the Russian Government has not yet made a final decision on extending the retirement age (although many consider this issue resolved and note that it will most likely begin to be implemented after the next presidential elections, which will be held in March 2018 - but for now these are just rumors).

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

Since 2015, a point system for calculating labor (insurance) pensions for citizens has been in effect, in which insurance premiums paid to the Pension Fund by the employer for its employees are transferred from rubles to relative values ​​(points). The amount of contributions taken into account for the year is correlated with the maximum accountable amount of contributions approved by the Government, which corresponds to 10 pension points(this is the maximum that can be received in one year).

But in order to obtain the right to retire in old age within the generally established time limits, it is necessary to comply three mandatory conditions:

  • reaching the age established by law;
  • availability of insurance (work) experience;
  • the presence of an established value of the individual pension coefficient (IPC) or, in other words, the size of pension points.

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

Since 2018, a mandatory condition for granting a pension upon reaching retirement age (currently 55 years for women and 60 years for men) is the availability 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 (NDFL) of 30,000 rubles (accordingly, annual earnings are 360,000 rubles). Let’s assume that this citizen’s salary has never increased since 2015. At the same time, deductions are not made for him to the funded part of the pension, since he was born before 1967. Thus, the employer pays insurance premiums for this man to an individual personal account in the amount of 16% of earnings before 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 came into effect.

Every year the Government approves for these purposes the so-called salary cap, the amount of mandatory contributions from which to the Pension Fund of the Russian Federation to a citizen’s individual personal account is 16%. Thus, the maximum established salary in the country from 2015 to 2018 is the following values ​​(see table below).

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

Therefore, every ruble earned in 2018 will “depreciate” when transferred to pension points relative to 2017 by immediately 1 - (1 / 1.17) = 15%, and relative to the level of 2015 - by more than 30! Therefore, it is not enough to have only a constant high salary to form decent pension rights. So that their volume does not decrease from year to year, according to the new pension formula salary must grow by at least 10% per year(see table above).

Let's return to our example. To convert monthly earnings of 30,000 rubles into points, you need to correlate the salary data (taking 16% of annual earnings, which in the example under consideration will be 57,600 rubles per year) to the established limit values ​​and 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 the example under consideration, 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

The Ministry of Finance believes that citizens need to take care of their future themselves. Dynamic preparations are being made for new pension reforms. Following the latest news, pensions will undergo a number of innovations from February 1. The Ministry of Finance project plans to increase the pension qualification by the age of sixty-five, and the increases will be carried out in stages over six to twelve months. They will increase the working experience of people from government agencies and state employees who went on vacation earlier than expected. It is proposed to introduce a unified social insurance tariff based on total salary indicators. The mandatory funded pension will be removed, this issue will become voluntary, indexation is planned to be reduced, pensioners who continue to work may not receive the fixed share of their pensions. It is likely that payments will be canceled ahead of schedule for people who work in unfavorable conditions. Let's try to consider what to expect from the coming year in a more informative way.

Pension reform from February 1, 2017

First of all, it is proposed to abolish mandatory payments of the funded part of benefits. In return, the government plans to develop individual pension capital, which is owned by the people. The overall payment figure to the Pension Fund will not change (twenty-two percent).

To develop this innovation, the Ministry of Finance expects to use funds above the fixed rate that go to non-state pension funds. The draft aims to abolish the right of the Pension Fund to accumulate funds for pensioners. Following this principle, payments are not subject to taxes. A person has the right to choose a rate from zero to six percent, and the contribution at a rate of zero percent will not be withdrawn. The process will be monitored by an investment insurance agency, and the guarantor of the duration of the profit will be five years. If the fund goes bankrupt, the savings will still remain.

There are a couple of variations for purchasing pension capital. In stalemate cases, twenty percent of the savings funds are transferred within five years before retirement. The structure according to which compensation will be paid is chosen freely by the person and there is the possibility of changing the payment rate.

The government claims that Russians who receive more than one hundred thousand rubles a month will also receive a pension, despite information that the state is not able to pay a high coefficient to people with such a salary, complaining that with such a salary people must accumulate a pension themselves. The Ministry of Finance talks about additional savings that can exist with the help of banks and NIFs, and about the inviolability of the current pension system from payments obligated by the state. A similar reform was carried out in Australia. There, every month people contribute eight percent of their income to the funds, and when the savings figure has grown to a thousand dollars, the state pays 50 percent of this figure.

It will be discussed this year, during the elections. If approved, the pension will probably be reformed as early as February 1, 2017. The pension qualification for civil servants has been increased; the changes do not affect other categories yet. As an alternative to this, large payments to the Pension Fund from the pockets of the working population are possible. Analysts argue that reforms are recommendations from outside and the benefits for citizens are still doubtful.

Indexation, funded and insurance pensions since February 2017

The Prime Minister spoke about the importance of a normal pension indexation plan. Today's realities require the restoration of payments, while Medvedev clarified that economic troubles are not an excuse not to help older people in need. The provision of special home social assistance for veterans and disabled people who have no relatives is being discussed. However, it is not known for sure whether pension indexation will be in effect from February 2017 or not.

Now in the country the average amount of insurance assistance for pensioners is equal to the figure of 13,700 rubles. After the end of his working life, any Russian is guaranteed a benefit that takes into account his length of service and cumulative points. After 2015, payments come from insurance and savings funds. The insurance pension is indexed every year to increase, and funded payments are possible only for people born after 1967. Benefits for older people are divided according to three criteria:

  • for old age;
  • with disability;
  • in the absence of a breadwinner.

The accumulative type of payments is not possible for everyone due to the above-mentioned age limit. The pensioner independently makes a decision according to which savings will be calculated according to the tariff. There are two types of tariffs:

  • sixteen percent, after which payments are credited to the insurance pension;
  • ten percent credit to insurance and six percent to savings.

Medvedev calls for restoration of pension indexation

The desire must be provided to the Pension Fund by writing an application. If you skip this procedure, the first scheme will be applied. In general, the funded part depends on employers, income received through successful investments and voluntary contributions of people to the pension financing program.

The savings part was first “frozen” in 2014, this was justified by the importance of stabilizing the work of the Pension Fund. The “freezing” stage has been going on for three years. Officials claim that this measure will reduce payments to citizens, which will free up space in the budget to cover the financial crisis. Parliamentarians do not rule out that the situation will not change until 2017; moreover, there is a possibility that the funded system will be abolished, but there is no clear solution to the problem at the moment. The question of returning money to people whose transfers were “frozen” remains without clarity.

IPC and pension size from February 1, 2017

The individual pension coefficient is a reform in the calculation of pensions. The numbers were calculated for each citizen separately, and their size depended on the years of work and salary. It’s simple: you worked a lot, saved a lot, and therefore received a larger pension. The IPC is an absolutely individual indicator; the sum of all points is used to calculate the IPC for the year required to receive benefits. Every year the coefficients are indexed by the state, therefore the amount also increases. It is measured by points, and points have a price. One point equals 74.27 rubles. From February 1, 2017, indexation of this indicator is mandatory.

The reform is based on changes regarding the conditions of old-age payments. Next year, the insurance period must be at least eight years, and the minimum IPC score must be at least 11.4. The latter provides for the period of work activity and the amount of salary. If the salary received by a citizen has reached the maximum possible indicator, then in 2017 the point will be exactly 8.26 and by 2021 it will increase to ten points. With regard to the funded pension, the amounts are significantly reduced, and if you refuse this part of the payments, points are gained at a very fast pace.

Following the Prime Minister's latest announcement, pension benefits will be indexed in 2017 according to today's inflation rate. Other politicians also spoke about this. Starting in January, pensions for pensioners in rural areas will be increased, then payments for old age will be increased, social pensions will increase in April, and pension benefits for military personnel will be recalculated in October. This year the payments are as follows:

  • the average pension is 13,700 rubles;
  • payments to an elderly worker of at least 13,500 rubles;
  • benefits for children with disabilities more than 13,000 rubles;
  • war veterans are provided with 36,000 or more;
  • capital pensioners will receive a payment of 14,500 rubles.

Retirement age and pensions for working pensioners in 2017

At the moment, women retire at age 55, and men at sixty. Everyone who has reached this age has the opportunity to receive a pension benefit. In some cases, an elderly person has a chance to retire early. Benefits are provided for those who have worked for a long time in enterprises hazardous to health, civil servants, military personnel, employees of the Ministry of Internal Affairs, as well as those who have lost part of their physical capabilities due to occupational injuries and damages.

There are a lot of rumors and conversations about increasing the retirement age, but there are no specifics. The President even claimed that this would not happen in the coming years, despite the desired reduction in the number of people of retirement age. According to the new law, the retirement age for civil servants was increased to 65 and 63 years.

This year, indexation was canceled for pensioners who continue to work, but they received an increase thanks to contributions from employers and IPC savings. Indexation is real only after full retirement, and payments will be recalculated, taking into account all additional payments throughout the working life. Politicians have proposed completely stopping paying benefits to employed pensioners, but have not yet made a decision.

Pensions for working pensioners will probably not be canceled from February 1, 2017, and people will have the opportunity to both work and be supported by the state. There is also no information about recalculation; it is predicted that indexation of workers’ pensions will not take place.

Let's summarize:

  • this year indexing will not take place in the manner prescribed by law, but with violations; everything will be recalculated without taking into account inflation;
  • in 2017, indexation will be taken into account according to the inflation rate;
  • accumulation of points is an important factor for calculating a pension;
  • the benefit of a working pensioner is not indexed;
  • The Ministry of Finance is preparing a reform based on the Australian version;
  • a gradual increase in the pension qualification is envisaged, the introduction of individual industrial complexes in place of savings funds and a reduction in the indexation of payments;
  • If the project is accepted, the reform will become a reality in 2017.

The federal budget for 2017 provided for the indexation of pensions for Russians in the full amount established by law - to the level of actual inflation of the past 2016. Thus, all types of insurance pensions (, and) February 1 indexed by 5.4%.

As established in the Federal Law on the PFR budget for the current year, such a measure will continue to operate not only for the current one, but also for 2018 and 2019. Thus, in February 2017, more than 31.4 million will receive an increased (indexed) pension amount, and working citizens - without taking into account the indexation on February 1.

At the same time, working citizens will receive payments taking into account all previously carried out indexations only after completion of work.

For working pensioners in 2017, their pension can only be increased due to recalculation on August 1.

How will military pensions change?

This is a separate type of pension, regulated by Law No. 4468-1 of February 12, 1993, assigned to military personnel under certain conditions. In accordance with it, indexation of military pensions can occur in two cases:

  • with a centralized increase in military salaries;
  • with an increase in the percentage of monetary allowance (MS) taken into account when .

The existing salaries have not been increased for more than five years and, most likely, this is not expected this year. However, on February 1, the value of the DD provided for in Article 43 of the above law increased by 4% relative to the previous value and is 72,23% (72.23/69.45 = 1.04) - this is the amount by which the pension provision of military pensioners will be indexed.

Indexation of social payments from February (EDV, NSO, funeral allowance)

Together with the increase in insurance and military pensions, 5.4% were indexed and social payments, produced by the Pension Fund of the Russian Federation: monthly cash payment (simultaneously with the cost of a set of social services), funeral benefits for pensioners.

From February 1, 2017, in accordance with Decree of the Government of the Russian Federation No. 36 of January 19, 2017, from February 1, 2017, the size of the fixed payment to the insurance pension will be indexed by a coefficient equal to 1.054, as well as an adjustment to the size of insurance pensions based on the cost of one pension coefficient 78 rubles 28 kopecks (Resolution of the Government of the Russian Federation No. 35 of January 19, 2017).

Thus, from 02/01/2017 the size fixed payment to the insurance pension will be:

  • old age, disability group II - 4805,11 rub. ( 4558,93 rub.- amount of fixed payment as of 01/01/2017 * 1,054 ), upon reaching the age of 80 years or establishing disability of group I - 9610,22 rub.;
  • for disability group I - 9610,22 rub. ( 9117,86 rub. - fixed payment amount as of 01/01/2017 * 1,054 );
  • for disability group III, on the occasion of the loss of a breadwinner - 2402,56 rub. ( 2279,47 rub. - the amount of the fixed payment as of 01/01/2017 * 1,054 );
  • for persons who are dependent on disabled family members, the increase in the fixed payment to the insurance pension is established in an amount equal to one third of the amount 4805,11 rub., i.e. 1601,70 rub. for each dependent, but not more than for three dependents.

For calculation insurance pension from 02/01/2017 it is necessary to multiply the amount of individual pension coefficients (points) by the cost of one pension coefficient, which is equal to 78 rubles. 28kop.

The amount of points can be determined by simple calculations, determining the amount of the insurance pension as of 01/01/2017. In this case, the fixed payment to the insurance pension is not taken into account. The received amount is divided by the cost of one pension point as of 01/01/2017 - 74 rubles. 27 kopecks

Examples of pension calculations

EXAMPLE 1: As of 01/01/2017, the total amount payable was 10469,41 rub. (including 5910,48 rub. - old age insurance pension + 4558,93 rub. - fixed payment to the insurance pension). The cost of one pension point as of 01/01/2017 was 74.27 rubles. Hence, 5910,48 / 74,27 = 79,581 - total points as of 01/01/2017. In connection with the establishment of a new cost of the pension coefficient (point) from 02/01/2017 - 78.28 rubles, the amount of the insurance pension from 02/01/2017 will be 6229,60 rub. ( 79,581 *78.28). The fixed payment to the insurance pension will also increase by 5.4% and amount to 4805,11 rub. (4558.93 * 1.054). The total amount to be paid will be 11034,71 rub. (6229.60 + 4805.11).

EXAMPLE 2: As of January 1, 2017, the total amount of disability payments (group I) was 12688,76 rub. (including 3,570.90 rubles - insurance pension + 9,117.86 rubles - fixed payment to the disability insurance pension (group I). Therefore, 3,570.90 / 74.27 = 48,080 - the sum of points as of 01/01/2017. From 02/01/2017, the amount of the insurance pension will be 3763,70 rub.(48,080 * 78.28). The fixed payment to the insurance pension, taking into account indexation from 02/01/2016, will be 9610,22 rub. (9117.86*1.054). The total amount to be paid will be 13373,92 rub. (3763.70+9630.22).

EXAMPLE 3: As of 01/01/2017, the total amount of payments in case of loss of a breadwinner was 7800,26 rub. (including 5520.79 rubles - insurance pension + 2279.47 rubles - fixed payment to the insurance pension). The total points as of 01/01/2017 were 74.334 (5308.2 / 74.27). Therefore, from 02/01/2017 the amount of the insurance pension will be 5818,87 rub. (74.334 * 78.28). The fixed payment to the insurance pension, taking into account indexation from 02/01/2016, will be 2402,63 rub.(2279.47 * 1.054). The total amount to be paid will be 8220,50 rub. (5818.87+2402.63).

It is important to take into account that calculating the size of the insurance pension, as well as the fixed payment to the insurance pension working pensioners made in the same manner, but will be paid without taking into account indexation (adjustment) during the period of their work. At the end of the pensioners’ working life, they are set to be paid the amount of the insurance pension and a fixed payment to the insurance pension, taking into account the indexation (adjustment) made.