Recalculation of pensions at age 55 for women. Recalculation of pension based on length of service. About the bonus for experience

– this is a transformation of the amount of insurance payment in connection with old age and insurance coverage due to disability when the pensioner has additional funds. This salary is used to pay insurance payments by employers, which are contributed to the pension insurance system. Taking into account these cash payments, the Pension Fund of the Russian Federation recalculates the amount of insurance coverage.

When does indexing happen?

In 2017, there were changes in the law, according to which a citizen with 35 years of work experience can receive. For citizens who have officially worked for (women) and 45 years (men), the state undertakes to pay additional funds in a larger amount.

This year, payments began to be divided into two types:

1. Insurance pension.
2. Cumulative, which involves payments to the Pension Fund every month. This type of payment is voluntary.

ATTENTION! Citizens whose working period is equal to or (or 30 years for women) or worked according to seniority, then they receive one in addition to the pension.

Pension amounts are modified every year on August 1. This change in pension contributions is made by:

Also, an increase in cash payment is carried out:

1. The first day of the coming month after a change in situations that reduce the amount of money.
2. The first day of the next month after the application for an increase in money is recalculated.

There are also situations when you do not need to wait for certain dates for recalculation:

• If a person is 80 years old, then you can get the right to recount from the moment you reach age.
• If the disability group has changed, you can obtain the right from the moment you receive the disability.

IMPORTANT! If a person belongs to a group in which the recalculation becomes smaller, then the change in the amount will occur in the next month.

Working pensioners: are they entitled to increased payments?

The amount of insurance coverage changes due to an increase in the personal pension coefficient. This happens when a person is employed, and the insurance payment that his bosses paid for him at work in the Pension Fund of the Russian Federation after January 1, 2015 was not taken into account when setting up pension provision due to old age.

Recalculation without an application is carried out in the event of a transition from insurance supply to pension insurance supply.

How to recalculate the premium: detailed instructions

In the insured labor period, not, but also are taken into account. For the entire duration of work, maternity leave for up to five years can be counted.

Also, we must not forget that a worker who is 35 years old does not guarantee large pensions. In 2017, a law was adopted according to which payments depend on annual contributions. If a citizen is employed in an unofficial job or receives a menial salary, then there will not be a large increase for the duration of work.

However, the coefficient increases every working year, so the amounts of money will become larger in any case. According to the new legislation, in some situations the state provides citizens with bonus points. These citizens include:

1. Men (35 years of experience) and women (30 years of experience) if they are engaged in activities at official work and receive a white salary.
2. Citizens with a working life of 35 years (for men) and 30 years (for women) continue to work after retirement.
3. Men and women who have worked for 35 years respectively will receive bonus points and replacement rates that are above average.

Additional pay for men and women whose work experience is or exceeds 45 years, respectively, is added in the form of 5 coefficients.

The recalculation is calculated using the formula written in Article 18. Federal Law No. 400 of December 28, 2013, paragraph 3:

X = Y + (IPKi / K / KN) x B, Where:

X - insurance financial accruals for old age;

Y - the same monetary amounts (X), only before recalculation (as of July 31 in the year when the recalculation is carried out);

IPKi - personal pension coefficient (as of January 1 in the year when the recalculation is carried out);

K is a value that is specified in detail in Article 15, Part 11 of the Law “On Insurance Pensions”. Characterizes the ratio of the insurance period to 15 years;

KN - number of dependents;

B - the price of one IPC (personal pension).

This formula is presented in general form and is intended to recalculate insurance coverage, including for disability and deprivation of a breadwinner.

If produced due to old age, then the values ​​of K and KN will be equal to one, then the formula will look like this:

X = Y + (IPKi x B).

On December 28, 2013, the maximum IPC values ​​were fixed in Article 18 of Federal Law No. 400, paragraph 4. For retirees with pension finances:

1. Not created. This means that the person receives only insurance coverage. Then we accept the IPC<= 3,0.
2. Are being created. This means that the citizen also receives savings provision. Then we accept the IPC<= 1,875.

Recalculation is important in the lives of pensioners because it helps citizens increase their pension savings, even if the person continues to engage in professional activities after retirement.

Pension provision is one of the types of social security for older people. Upon reaching a certain age (55 years for women and 60 years for men), every citizen who worked for the benefit of the Russian Federation is guaranteed to receive pension payments.

The required work experience to receive a pension must be at least 7 years, but every year this figure will increase by 1 year.

Supplement to pension for 50 years of work experience in 2018, formula for calculating the amount of pension coverage

The most important factors taken into account when calculating the amount of a pension are contributions to the pension fund during work. The amount of deductions is directly proportional to the amount of wages received. The second most important point is the presence of work experience.

The pension, after the introduction of new legislation, is calculated as follows. The accumulative component is a set amount of funds, which currently amounts to 4,982.90 rubles. The fixed part is the accumulated points during work (the cost of 1 point is 81.49 rubles). In addition, persons whose work experience exceeds 50 years are entitled to an additional payment. The established amount is 1063.00 rubles, but this amount may increase depending on the level of inflation. The length of service also includes periods of maternity leave (one and a half years for each child) and military service.

Pension supplement for 50 years of work experience in 2018, how to get it

When a person retires, and if he has at least 30 years of work experience, the additional payment is calculated automatically.

To receive an increase in monthly benefits, provided you have more than 50 years of work experience, you must submit an application to the Department of Labor and Social Protection. In this case, the pensioner must submit an application in the established form to receive this type of additional payment, in addition, he must provide an identification document, a pension certificate, a document on state pension insurance, and a document confirming the presence of the required work experience. After recalculation, the pension will be accrued from the month following the one in which the application was submitted

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Pension recalculation is a change in the size of the pension due to changes in circumstances or the submission of new documents on which this amount depends. Let's look at five cases when you need to apply for recalculation of a pension and the procedure for filing an application for recalculation of a pension in 2019.

Five cases when you need to apply for recalculation of your pension in 2019

A pension is assigned, as is known, from the moment one becomes entitled to it and applies for it. On this date, the Pension Fund calculates the pension taking into account all submitted documents.

However, over time, the circumstances that were taken into account when calculating the pension may change or new ones may appear, and therefore the amount of the pension must be revised.

It should be taken into account that in most cases, for recalculation of pensions in 2019 It is not enough just to change the circumstances: you need to contact the Pension Fund with an application.

On its own initiative, the Pension Fund does not recalculate as a general rule (with certain exceptions - for example, in connection with reaching the age of 80).

Therefore, in order not to miss the right moment and submit an application on time, you should know all the circumstances that give right to recalculate pension .

Five cases for applying for pension recalculation in 2019

So, according to the statement recalculation of insurance pension performed in the following cases:

1. In connection with the confirmation of “non-insurance periods”:

• period of child care up to 1.5 years (up to 6 years in total for all periods),
• the period of caring for a disabled citizen (disabled person of group 1 or an elderly person over 80 years old),
• period of service in the army or law enforcement agencies, service in which is equivalent to military service, as well as the period of cooperation with law enforcement agencies,
• period of residence with a spouse abroad or in a military unit where there was no opportunity to find a job (no more than 5 years in total).

With this pension recalculation the corresponding periods are deducted from the insurance period (if they were taken into account there before). Therefore, you must first consult with the Pension Fund about how beneficial this recalculation is in each specific case.

You can read more about recalculation taking into account “non-insurance” periods

1. Upon receipt of additional documents on experience or earnings before January 1, 2002.

In this case recalculation produced upwards pensions , if the indicators of length of service or earnings initially did not reach the maximum permissible values.

For example, the maximum length of service that affects the size of the pension is: 45 years for men and 40 years for women.

The maximum earnings ratio that is taken into account for pensions is 1.2. You can read more about the procedure for recording earnings for pensions

1. When a pensioner has disabled dependents(minor children or children under the age of 23, or full-time students, brothers or sisters of the same age who do not have parents, as well as disabled parents).

In this case, the fixed pension payment increases by 1/3 for each dependent.

1. When submitting documents on the development of “northern” work experience of the required duration(15 years - in the Far North and 20 years - in areas equated to the Far North).

In this case, the fixed payment to the pension increases by 50% (if the length of service was developed in the Far North regions) or by 30% (if in areas equated to the Far North regions).

1. When submitting documents on the development of additional preferential length of service for periods before January 1, 2002 according to List No. 1, List No. 2 or on other grounds for early assignment of a pension. For example, for a pension according to List No. 1, men need to work for 10 years, and women – 7.5 years.

If the length of service is confirmed in excess of this norm, the pension increases. But such recalculation must take into account the individual characteristics of each case, so it may not always lead to a more favorable pension amount. You should first consult with the Pension Fund.

• Application for pension recalculation You can submit it either in person to the Pension Fund office or electronically through the Pensioner’s Personal Account or the State Services website.
• Pension recalculation is carried out from the 1st day of the month following the date of application to the Pension Fund with all the necessary documents.

A pension is a certain type of financial payment that is made monthly in favor of Russian citizens who have completed their work activities. In fact, such financial benefits are intended to replace wages. After all, a person is no longer able to work fully due to health reasons.

In addition, a pension is provided to citizens who have become incapacitated due to their age. The size of the pension may vary, depending on the country in which the pensioner lives, as well as on various factors. In this article we will look at what benefits can be obtained if you have worked for more than 40 years.

Retirement age

The age at which pension payments can be received is also unstable. Thus, the retirement age may be influenced by certain economic aspects and changes in the standard of living. If a pensioner is a working person, then a procedure is provided for him to recalculate his pension after 40 years of work experience. This involves receiving some cash premium to the amount of payments that is already available.

The age at which citizens retire in the Russian Federation was last changed in 1932. Until 2017, the retirement age was fifty-five years for women and sixty years for men. However, according to the new bill, they plan to set the retirement age: for men - sixty-five years, for women - sixty-three years. By the way, based on this bill, an annual increase of six months is expected to the retirement age. As a result, the retirement age may be raised after some time (men and, accordingly, women):

• in 2017 - 60.5 years and 55.5 years;
• in 2018 - 61 years and 56 years;
• in 2019 - 61.5 years 56.5 years and so on. Whether this will really happen or not is unknown for sure.

Will the recalculation of pensions change after 40 years of work experience? More on this later.

Seniority

However, in order to start receiving pension payments, it will not be enough just to reach the specified age. In addition, you must also have work experience. Citizens who have never officially worked are not entitled to a pension.

At the moment, a mandatory condition for receiving pension payments is the presence of a minimum length of work experience, which is 5 years. It should be noted that by decision of the Government, by 2030 the minimum length of work experience will increase to 15 years. What will be the recalculation of pensions for non-working pensioners?

About the bonus for experience

In 2015, the Pension Fund of Russia carried out another recalculation of pension payments. This need arose in connection with the adoption of an updated formula for calculating pensions. At that time, most citizens of the Russian Federation could receive an increase of 600 rubles. However, after the start of using the updated formula for pension payments, the accrual principle changed dramatically.

A person is awarded the title of “labor veteran” with 40 years of work experience. In accordance with the new procedure, the pension began to consist of two parts of different nature. The first part of the pension is funded, the second is insurance.

How is the second, insurance, part of the pension calculated? It is now calculated using a special point system. The points of this system are directly dependent on the number of years of service of each citizen. The final amount of pension points also depends on the size of your salary.

Recalculation for length of service

At that time, Pension Fund employees carried out a global recalculation of pension payments for more than a million residents of the Russian Federation who were already pensioners. Those citizens whose work experience was 30 years for men and 35 years for women first received an increase in pension payments.

But is it possible to recalculate the pension after 40 years of work experience? And if so, what is the amount of such payment? The bill, introduced two years ago, in 2015, unfortunately, did not provide for any special benefits and allowances for citizens with more than 40 years of work experience. However, if we take into account Article No. 14 of Federal Law No. 173, which was amended in 2015, there will be an annual increase in the fixed part of the pension by 6% for each year of work experience, if it is earned after a full 30 years for men and 25 years for women. And if the work experience is 40 years, the pension supplement will be added to the part of the pension that is fixed. Payment of such an increase will occur monthly and will amount to up to 65% of the fixed part.

Unfortunately, a citizen cannot count on a significant increase in pension even if he has worked at enterprises for 40 years rather than 30. It is worth agreeing that the annual indexation of pensions affects their level, but they are not so significant. Pension reform involves improving the lives of pensioners only after several years.

Recalculation of pensions for non-working pensioners

Recalculation of pensions for pensioners who do not work involves changing the amount of payments that are due to citizens who have completed their working career. Such a recalculation is possible if the pensioner provides the Pension Fund with an updated package of necessary documents. They must confirm the fact of a change in the pensioner’s life circumstances.

What methods are used when recalculating pensions?

The procedure for recalculating pension payments to non-working pensioners can be carried out in two ways:

1. Upon personal appearance at the Pension Fund of the Russian Federation with a full package of documents that are required. Then a supplement to the pension is issued. In this case, a fixed amount is recalculated. Already next month, a citizen will be able to receive a payment with an allowance.
2. Automatically. With this recalculation method, the increase may affect not only the fixed part, but also the insurance part. The insurance pension is recalculated for those pensioners who are still working. This is due to the fact that their employers continue to make appropriate contributions to the Pension Fund. An increase to the fixed part of pension payments is due if a non-working citizen lives to be 80 years old.

What does 40 years of work experience give?

Is it necessary to recalculate those citizens of retirement age who do not work? Naturally, yes, if there is another factor influencing the size of the pension. A pensioner who has reached the age of eighty can apply for the bonus. Moreover, recalculation can be carried out directly from the same day when you turn eighty years old.

You can also apply for a bonus if your disability group has changed. This type of recalculation will be carried out by Pension Fund employees from the moment the documents confirming such a change are submitted. If life circumstances change, implying a recalculation towards a reduction in pension payments, the changes will similarly come into force from the month following the month of recalculation. Benefits for disabled people of group 3 (40 years of work experience) are provided, but a double allowance is not provided. Only 1 group can apply for it.

How is pension recalculation carried out from the age of 80?

This type of recalculation is carried out automatically. In this case, the increase will concern only that part of the pension that is fixed. The PFR information system automatically tracks information about passport data contained in personal payment files.

What is the supplement to the pension? Several categories of citizens can receive double the basic payment. Firstly, these are those who also receive the insurance portion. Secondly, those who receive a social pension. The third category of such citizens are those who have lost their breadwinner. However, in the latter case, it will be necessary to abandon the benefit that is due in the event of the loss of a breadwinner and switch to receiving a pension due to age. The corresponding application can be submitted to the Pension Fund. Many people are interested: when you have 40 years of work experience, what will your pension be?

How is the pension recalculated when there is a change in working capacity?

Recalculation of pension payments for citizens whose disability group has changed is possible on the basis of a document confirming such a change. The relevant document can be obtained from a specialist. You will need to contact the Pension Fund with it. Recalculation of the pension payment will occur automatically, and from the day from which the relevant documents were submitted.

How to submit an application for recalculation?

The basis for recalculating the pension payment due to a non-working pensioner is the established package of documents. The main one is an application for recalculation. Any citizen of the Russian Federation who is retired has the right to contact the Pension Fund of Russia in order to change the amount of the pension payment due to him. The reasons for filing an application for recalculation are:

• changes in the number of dependents in the family;
• change of place of residence to a new one, which has special conditions (implies moving, for example, to the Far North);
• obtaining the right to early retirement, presupposed by the presence of work experience carried out in the Far North.

Special Notes

It is important to note that it is not necessary to be personally present when submitting an application to the Pension Fund. There are cases when a citizen, due to his health condition, cannot be personally present when submitting an application. You can apply as a representative. In addition to the Pension Fund branch, applications can be submitted at post offices and on the official website of the Pension Fund.

An application for recalculation of a pension payment must contain information about the applicant’s passport data, a listing of the reasons according to which the recalculation should be made, as well as a list of documents that are attached to the application.

When preparing the necessary documents, you will need a passport and SNILS. The Pension Fund may request other documents if they are required due to the lack of data in the systems of government agencies.

The application is processed on average for 5 working days.

Will non-working pensioners receive bonuses this year?

The increase in pension payments is directly affected by the level of inflation in the country. The index of rising prices for consumer goods may also affect it. In accordance with all-Russian indicators, the increase in pension payments this year will be about 6.5%.

We examined the recalculation of pensions after 40 years of work experience.