Pension indexation table from 2021 to 2024

What is indexation and adjustment of pensions?

Today we will look at the results of January indexation in Russia, as well as what amounts await us in the future. So, in January, the Pension Fund paid new pension amounts for all non-working pensioners. The increase was 7.05%.

We have already talked about increasing pensions from January 2021 in previous videos. Today we will look at the results of January indexation in Russia, as well as what amounts await us in the future.

Who does the pension increase apply to:

non-working pensioners;
military pensions are increased by the planned inflation rate (3.7%);
Additional payments to employees of the Ministry of Internal Affairs will increase, including for length of service.

The size of the pension depends on the fixed payment (FB), that is, the base amount, plus accruals for the insurance period. The size of the pension for insurance contributions depends on the IPC (individual pension coefficient or point), it is calculated every year. The more points, the longer the insurance period, the higher the pension. The IPC is indexed annually taking into account the percentage of inflation. Pensioner Kirillov from the Tver region does not work after retirement. During his working life he earned 100 pension points.

For some categories of pensioners, the law provides for the right to an additional increase in the fixed part.

Moscow, February 25. Russian pensioners will receive an increased pension in a month - from April 1. From this day forward, social and state pensions will be increased.

The norm indicates the exact amount of the pension point included in the pension calculation base. Since in different sources you can find different terms denoting a pension point, it should be noted that the concept of an individual pension coefficient (IPC) is synonymous with a pension point.

Indexation affected 32 million non-working pensioners. However, there is an important point - the January indexation again did not affect working pensioners. Some continued to receive pensions at the same level.

Social pension calculations

The government pays benefits for certain categories of citizens.

Including:

disabled;
persons who have lost their breadwinner;
who have reached the ages of 70 and 65 years and do not have insurance experience.

In 2021, the payment amount is determined as 5,686.25 rubles.

But, it is worth considering that this amount is not the maximum, since the pension cannot be less than the subsistence level . This means that the person is entitled to an increase up to the minimum wage accepted in his area.

It is also established that for those who have lost both parents, the payment is doubled, as well as for persons who have 1 category of disability. The payment is 11,372.50 rubles.

Pension indexation schedule by year until 2024

So, in January, the Pension Fund paid new pension amounts for all non-working pensioners. The increase was 7.05%. For each, the increase was different depending on the previous size of payments.

Many pensioners are concerned about this issue, since the fixed payment is one of the basic parts of the pension. Let's find out in detail how exactly the fixed payment will grow (note, GROW) over the next 5 years. As a result of these increases, the government plans to increase pensions to 20 thousand rubles per month by 2024. Despite the fact that the calculated indexation percentages decrease every year, they are determined taking into account the advance of the projected inflation rate.

Labor veterans are entitled to free dental prosthetics. But medicine carefully hides this. They brazenly answer that there are no such benefits.

Indexation of social pension by year

It should be borne in mind that from 2021 the formula for calculating the minimum pension has changed. This means that the federal or regional supplement to a small pension is calculated in a new way. First, the additional payment is calculated, and then the pension is indexed and summed up with the calculated additional payment.

It should be noted that the increase applies only to non-working pensioners receiving some type of insurance pension (for disability, old age or loss of a survivor). For working citizens, the cost of the coefficient and the fixed part is not indexed throughout the entire period while they are employed.

The annual coefficient is equal for all categories of pensioners. It is multiplied by the recipient's total work experience, so this part of the payments will vary. As a result, the longer the length of service, the higher the pension payments.

Let's supplement our first table with the approved indexation coefficients for 2020, 2021, 2022-23 and 2024.

Part of the insurance contribution per employee out of 22%, the employer can transfer to the employee’s personal savings account (6%). A person has the right to receive this amount when the legal time of retirement comes.

In Moscow, the average old-age pension from 2021 became equal to 15,329 rubles, and in the Moscow region 15,323 rubles. Unfortunately, there are no complete statistics for all regions.

The maximum increase, which is made in August, is limited to only 3 points (pension coefficients), converted into cash equivalent. As of August 1, 2021, the cost of the 1st coefficient will be 98.86 rubles. Therefore, pensioners will not receive an increase of more than 296 rubles 58 kopecks (98.86 rubles x 3) from August 1, 2021.

The increase is provided by taking into account additional experience and points, but its size is insignificant - no more than 200-300 rubles.

Four important innovations await pensioners in 2021

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The number of accumulated pension points depends on the amount of insurance contributions. They are paid by the employer or by each person for himself - such as individual entrepreneurs or voluntarily insured people.

But there is a maximum beyond which points will not be awarded even with a very high salary. In 2021, you could get no more than 9.57 points, in 2021 and beyond - no more than 10.

Whatever your salary is in 2021, you will earn a maximum of 10 points. This means that the pension in 2021 amounts will increase by almost 1000 RUR per month: 10 points × 98.86 RUR.

Mothers with many children can retire earlier than usual:

at the birth of three children - at 57 years old:
at the birth of four - at 56 years old;
for the birth of five or more - at 50 years.

But there is no transition period for them, so already in 2021 you need to have at least 15 years of experience and 21 pension points.

In 2021, for the first time, mothers with many children will be able to use their right to early retirement on new grounds - for now only if they have at least four children. In 2021, the normal retirement age was already lower than the preferential age. But in the second half of 2021, mothers of four children can retire at 56 years old - six months earlier than others.

Mothers of three children will use the benefit no earlier than 2023.

For mothers of five or more children, the benefit existed before - it still works the same way. Fathers do not have such a benefit.

Even if you don’t have enough experience and points, the state still won’t leave you without a pension: in such cases they pay a social pension. It is equal to the fixed part of the insurance pension with an increase in the form of a social supplement.

But the right to such a pension arises 5 years later than usual. Taking into account the transition period, in 2021 it is 61 years and 6 months for women and 66 years and 6 months for men.

Northerners, teachers, doctors, artists and civil servants have their own specific rules for assigning pensions. About them - in another analysis.

In 2021, Russia will undergo mandatory indexation of all types of pensions received by non-working pensioners - insurance, military, social and state. At the same time, each type of pension provision has its own indexation date and percentage according to which pension payments will be increased. Unfortunately, indexation is not planned for working pensioners for 2021, and the only increase that awaits them will be assigned in August as a result of the recalculation of pensions for additional service. However, the situation may soon change. The President instructed the government to submit proposals regarding the indexation of pensions for this category of Russians by February 1 (read about this below).

In addition to increasing pensions, in 2021 there will be an indexation of social payments, which are carried out by the Pension Fund of the Russian Federation. In particular, it will affect monthly cash payments (MCB), which are paid to disabled people, Chernobyl victims, combat veterans and other categories of federal beneficiaries. Moreover, such an increase will be made for both non-working and working recipients of social payments.

To count on an increase in pension in 2021, you must have the status of a non-working pensioner or quit at the time of indexation, as indicated above. After the recalculation takes place, citizens will be able to continue working.

In addition, the revision of benefits will not affect persons paying insurance premiums, for example, those working on the basis of a civil labor contract. The situation is similar with all citizens who are registered as individual entrepreneurs.

There have been cases when managers of non-profit organizations, such as SNT, garage cooperatives, as well as members of the boards of such structures, were deprived of bonuses. Controversial situations arose due to the fact that special reports on length of service were submitted to the Pension Fund for such citizens, on the basis of which the department recognized them as officially employed and refused to increase payments. Therefore, the listed nuances must be taken into account and the necessary measures must be taken in advance to get indexed.

Insurance pensions of non-working pensioners are planned to be indexed by 6.3% in 2021, by 5.9% in 2022, and by 5.6% in 2023, according to the draft budget of the Pension Fund of Russia (PFR) for 2021 and the planning period 2022 -2023.

6.3% in 2021 in 2022 – 5.9%; in 2023 – 5.6%.
According to the draft budget of the Pension Fund of Russia, the average pension in 2021 will be 17,432 rubles, in 2022 – 18,357 rubles, in 2023 – 19,283 rubles.

From January 1, 2021, insurance pensions of non-working pensioners were indexed by 6.6%.

From January 1, 2021, the insurance pension of non-working pensioners will increase as a result of planned indexation. Such an increase is already enshrined in Law No. 350-FZ of October 3, 2018 and will amount to 6.3% . Since the increase will be made not by a fixed amount, but by a certain percentage, the amount of the increase will be determined individually.

You can independently calculate in advance how much your pension will increase from January 1. To do this, you need to multiply the current payment amount by 1.063 . In this case, you only need to multiply by this index the amount of pension provision (without the monthly allowance, compensation for utilities, social supplement, and so on).

Starting from 2021, there will be a complete transition to electronic work books (ETK). New employees will no longer be given their paper counterparts. If you wish, you can ask the employer in your application to leave the work report in its usual form, then it will be maintained on a par with the electronic one.

If you switch to the ETC, only entries starting from 2021 will be entered into it. But if the paper version suddenly gets lost, you will have to prove your experience by spending time and effort collecting certificates.

Therefore, starting from 2021, it will be possible to transfer all records to the electronic work book, and not just from January 2020. To do this, you need to send an application to the Pension Fund. The corresponding changes to the law are promised to be made by the end of the year. Information about your work experience will be available in the future on the State Services portal.

The cost of living for a pensioner at the federal level is projected to be:

for 2021 - 10,022 rubles;
for 2022 - 10,115 rubles;
for 2023 - 10,818 rubles.

This means that minimum pensions throughout Russia should not be less than these values.

The average pension (of all types) in Russia will be:

in 2021 - 16,209.32 rubles;
in 2022 - 16,982.16 rubles;
in 2023 - 17,736.22 rubles.

The average size of the old-age insurance pension for non-working pensioners will be:

in 2021 - 17,443.40 rubles;
in 2022 - 18,368.54 rubles;
in 2023 - 19,294.07 rubles.

The funded part of the pension will also increase in 2021. Its average size will rise:

up to 1018 rubles - in 2021;
up to 1932 rubles - in 2022;
up to 2012 rubles - in 2023.

The size of the immediate pension payment will increase:

in 2021 - up to 2101 rubles;
in 2022 - up to 2306 rubles;
in 2023 - up to 2510 rubles.

Indexation of pensions for working pensioners in 2021

Accordingly, when the cost of the coefficient and the fixed payment is indexed by a percentage established by law, the amount of pension provision also increases by the same percentage. He was directly involved in the transformation of the aggregator into a writing editorial office that produces its own content 24 hours a day, 7 days a week. Participated in the launch of thematic verticals on Rambler.

As you know, every penny matters in our lives. A fixed payment is assigned to the old-age insurance pension. It is, as many people know, a mandatory additional payment, part of the pension.

How can paid clinics refuse such money from pensioners? Not a single law works for people. You have to go to the courts to prove it. And it’s not a fact that they will help in the courts. Complete humiliation.

To what extent will pensions be indexed in 2021?

Unofficial employment does not provide an opportunity to accumulate a sufficient number of pension points, and as a result, the old-age pension does not reach the region’s subsistence level.

Indexation of pensions for non-working pensioners is determined by Federal Law No. 350-FZ, which guarantees an increase in real payments until 2024.

Indexation will affect payments to disabled citizens who do not have the length of service required for a pension (including disabled people); orphans, participants and veterans of the Great Patriotic War; widows of military personnel who died during the Second World War; parents of deceased conscripts; citizens affected by radiation disasters.

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How will pensions increase in 2019-2024?

According to Law No. 350-FZ of October 3, 2018, during the period from 2019 to 2024 inclusive, insurance pensions will increase by an average of 1,000 rubles per year. Such an increase will be carried out as a result of indexation at a percentage almost twice the forecast inflation.

Pension increases in Russia over the coming years will occur at the following rates:

Year	2019	2020	2021	2022	2023	2024
Indexation, %	7,05	6,6	6,3	5,9	5,6	5,5
Average pension after indexation, thousand rubles.	15,4	16,3	17,2	18,2	19,2	20,3

From the table above it is clear that the new indexation scheme for pension payments will ensure an increase in the average pension size by 1 thousand from 2021 and an additional increase in the average annual income of a pensioner by 12 thousand rubles.

The only downside is that this scheme had to be paid for by raising the retirement age. The authorities have repeatedly noted that accelerated growth of pension payments can only be achieved as a result of reform.

Stages of raising the retirement age

It is noted that, in addition to federal payments, regional payments will also be indexed, in accordance with the new norms of the Constitution.

In 2021, the cost of the coefficient will be 98.86 rubles. The individual pension coefficient is 78.642 multiplied by 98.86. It turns out that the insurance pension from January 1, 2021 will be 7,774.55 rubles. Plus we will add a fixed payment to it, which also increases every year. In 2021, its size will be 6,044.48 rubles. From January 2021, the pension amount will be 13,819.03 rubles.

The indexation coefficient has not yet been precisely determined. It will become known only in mid-January, when the inflation rate for 2021 is calculated. But, according to preliminary data from Rosstat, the increase will not exceed 4.9 percent. The size of a resident’s pension as of October 2020 is 13,000 rubles. The pension consists of two parts - an insurance and a fixed payment accepted on January 1 of each year. This year the fixed payment is 5,686.25 rubles. From 13,000 we subtract a fixed payment of 5,686.25 rubles. This turns out to be 7,313.75 rubles of the insurance pension.

Who will receive an increase in pension from January 1, 2021: how much will the pension be increased?

The Ministry of Labor reports an expected increase in pensions for the period until 2024. Thus, the old-age insurance payment in 2021 is planned to increase by 6.3%, as a result of which the average annual benefit will reach 17,432 rubles. For comparison, in the first quarter of 2021 this figure did not exceed 15 thousand rubles.

In 2022, pensions will increase by 5.9%, in 2023 - by 5.6%. Thus, the annual increase will be approximately 1 thousand rubles. But this is only provided that the initial benefit amount was not less than 15 thousand rubles

If the pensioner received less than the designated amount, for example, 10 thousand rubles, then the pension will increase by about 600 rubles from January 1, 2021. For those who will retire during the designated period, it is important to know how much the amount of the fixed insurance payment will be indexed:

in 2021 - 6044.48 rubles;
in 2022 - 6401.1 rubles;
in 2023 - 6759.56 rubles.

So far, the planned indexation amount exceeds expected inflation indicators, but in the event of an unexpected increase, the increase will be adjusted upward. This was announced in the latest news by Anton Drozdov, head of the Russian Pension Fund. The increase will also affect social pensions, but they will be indexed as usual, from April 1.

The draft budget for the next three years does not provide for changes in the amount of the funded part of the pension. This means that in 2021, as well as in the next couple of years, adjustments to the size of this type of payment should not be expected.

Previously, the government changed the methodology for assessing the expected period of payment of the funded part of the pension, according to which in subsequent years the amount of the indicated payment will decrease. Thus, in the coming years it is planned to introduce the following age restrictions:

in 2021 - 264 months;
in 2022 - 270 months.

During this period, the citizen will receive a funded pension if there are appropriate savings.

The insurance part of the social benefits of working pensioners has not been subject to indexation for several years, which is due to the budget deficit. Now, as in 2021, the payment amount is 18 thousand rubles.

Upon dismissal, the amount will be indexed to current values, that is, immediately increased by the percentage increase corresponding to 2021, 2018, 2021 and 2021. In case of resumption of work activity, the pensioner does not face a reduction in the amount of the subsidy.

Non-working Russian pensioners will receive an increase from January 1, 2021. The pension increase is an annual measure: next year the indexation will be 6.3%. At the same time, the inflation rate predicted by the Central Bank is about 4%. Thus, non-working pensioners will receive an average of 17,444 rubles.

- This will be almost one and a half times higher than inflation - according to forecasts, this year it will be 3.7-4 percent. That is, the pension will increase by a thousand rubles on average,” said Elena Bibikova, Deputy Chairman of the Federation Council Committee on Social Policy.

As part of the pension reform, such a measure is planned for 2021. The grace period will continue, when Russians can retire 6 months earlier than the new period. Women born in 1965 will be able to take advantage of this right. and men born in 1960

Russian pensioners will have to switch to electronic work books

In 2021, Russian pensioners will be completely transferred to the ETC (electronic work book). New employees will no longer be given paper copies. For already working pensioners, both electronic and paper work books will be valid. Only new entries will be entered into the ETC, so it is important not to lose paper media. Otherwise, it will be difficult to prove the existence of work experience; you will have to visit former employers and collect certificates.

Pensioners need to submit an application to the Pension Fund in order to enter absolutely all data into the ETC,” said Mikhail Mishustin.

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Are pensions adjusted for working pensioners?

Network publication "Pravda.Ru" el No. FS77-72263 dated February 1, 2018, issued by the Federal Service for Supervision of Communications, Information Technologies and Mass Communications. Founder: TechnoMedia LLC.

The retirement age will be raised gradually. When those who fall into the transition period will retire can be seen in the comparative table.

However, after the dismissal of a pensioner, the pension is recalculated taking into account the current point value established by law on the date of such recalculation. If the pensioner gets a job again, the cost of one IPC will be “frozen” and will not be indexed until he resigns.

Amount of fixed payment to the insurance pension in 2021-2024

Below we present the new payment amounts after the indicated indexations in 2021. See comparison table.

The concept of “indexation” refers to social pensions. For insurance pensions there is another concept - “adjustment”. Or an annual adjustment of pensions based on the increase in consumer prices over the past year. Monthly payments will be indexed to disabled people, combat veterans, participants of the Great Patriotic War and other categories. It is important to note that their indexation is calculated based on the actual consumer price index for 2021. Growth is set at 3.8%.