How can a pensioner find out that he has received a pension that is less than it should be?

"Insidious SNILS"

Since 1997, citizens began to receive “green policies”, which indicated their insurance number of an individual personal account opened with the Pension Fund of the Russian Federation (abbreviated as SNILS).

They began to distribute information about each employee - about his length of service, salary and insurance premiums accrued by the employer. When a citizen applies for a pension, the Pension Fund accrues it, incl. taking into account the data of his personal account.

The idea, in general, is good (over time, it allows you to completely avoid collecting documents on length of service and assign a pension only according to the information of the Pension Fund).

However, in practice, sometimes technical problems occur: either when assigning SNILS, personal accounts are duplicated (for example, the program generated the same number for two citizens), or, conversely, one citizen has several numbers.

As a result, it turns out that part of the length of service and insurance contributions are not taken into account in the “necessary” personal account from which the Pension Fund takes information to assign a pension - and the pension turns out to be less than it should be.

The Accounts Chamber of the Russian Federation recently publicly voiced this problem, although some pensioners had already encountered it before.

How to prevent such a situation?

1) Check your SNILS on the Pension Fund of Russia website, through the “Personal Account of the Policyholder” (whether it exists according to the Pension Fund of Russia and whether it matches what is indicated in your policy). If not, immediately contact the Pension Fund to correct the error.

2) Order an extract from your personal account (through the State Services portal or on the Pension Fund of Russia website) and check whether all information about your work experience is reflected in it. How to read the statement is described in detail here .

3) After the pension is assigned, the extract can be issued with the data already “reset to zero” (information about the length of service before the date of pension assignment is erased). Therefore, it is strongly recommended to order a current statement on the eve of the day when retirement age arrives or the right to a pension arises on another basis.

If there is no extract, contact the Pension Fund with an application to familiarize yourself with your pension file. It must contain the extract on which the pension was assigned.

No one knows your experience better than you. If you see “gaps” in the statement, contact the Pension Fund of Russia with an application to check your SNILS and information from employers who received it.

Indexation is one of the reasons for changes in the amount of payments in 2020

Regular increases in social benefits, in accordance with inflation, are aimed at maintaining the same standard of living while prices rise. In 2021, indexation was carried out three times in the Russian Federation: in January, February and April. At the same time, the coefficient of increase in benefits is approved by the Government of the Russian Federation.

Table 1. Indexation in 2021

ATTENTION! The funded pension is not indexed.

In 2021, the cost of a point increased by the established coefficient - 87.24 rubles per 1 IPC. The fixed share of the pension was 5334.19 rubles. The basic portion has also increased for people with disabilities, based on the assigned group:

• for the first - 10668.38 rubles;
• for the second - 5334.19 rubles;
• for the third - 2667.09 rubles.

The amount of social payments has changed since 04/01/19.

Table 2. Social disability pensions in 2020

The amount of payments may vary based on regional surcharges. From 02/01/2020, the monthly payment (EDV) also increased.

Table 3. EDV in case of absolute refusal of a set of social services (NSS)

Indexation for non-working pensioners

For unemployed pensioners, regular indexation of payments is provided. However, it does not always contribute to increasing the amount of payments. Changes in the legislation on the recalculation of benefits below the subsistence level (MSP), which came into force in April 2021, did not bring an increase to pensioners and caused fair dissatisfaction. As a result, the President of the Russian Federation adopted a new accrual algorithm. For example, a person is entitled to a pension of 8,000 rubles, while the regional PMP is 9,000 rubles. Before indexation, the pensioner was given a monthly bonus, bringing the total amount to the optimal level (9 thousand). As a result of the increase, taking into account inflation (by 7.05%), the payment amounted to 8,564 rubles, that is, in fact, the accruals for the pensioner remained at the same level and amounted to 9 thousand rubles.

By order of the President, the new calculation algorithm involves increasing benefits to the minimum and subsequent indexation. That is, the pensioner’s accruals will be increased to 9 thousand rubles and then increased by 7.05%. The total amount will be 9634.5 rubles. The adjustment will also be made for the previous period (for January-April 2021). The recalculation must be completed by July 1, 2020, in accordance with Federal Law No. 49 on amendments to Article 12.1 of Federal Law No. 178 dated July 17, 1999. Pensions calculated using the new algorithm will begin to reach recipients in May 2021.

Increase for working pensioners

For employed pensioners in 2021, indexation (basic part and IPC) has been cancelled. The Government justified this step by the deterioration of the financial situation in the country. In the future, when the economic situation stabilizes, it is planned to resume increasing payments to working pensioners, taking into account inflation. However, you shouldn’t count on this until 2021.

ATTENTION! When a person is fired, he is recalculated taking into account the missed indexations. If a citizen starts working again, a reverse reduction in benefits is unacceptable.

In this case, recalculation is carried out automatically; there is no need to contact the Pension Fund. The adjustment is made from the first month of leaving work, the new benefit amount is accrued after 3 months. The change in the amount of payments to employed pensioners is due to an increase in savings points - the contributions transferred by the citizen are added to the available amount. The adjustment is made on August 1st; you do not need to submit an application for this. A person can always check the number of points in the Pension Fund.

The insurance pension is determined by the formula:

SP=SPdk+IPK*STipk

• SP - payment amount;
• SPdk - benefit before changes (as of July 31 of this year);
• IPK - number of pension points;
• STIPK - the cost of 1 IPC on the day of settlement.

Recalculation of the funded pension is carried out through additional contributions and investment.

Formula for determining payment:

PV=N/T

• PV - pension payment;
• N - savings at the beginning of July of this year;
• T is the number of months of the expected payment period. In 2021 it totals 252 months.

In Art. 18 Federal Law No. 400 provides the maximum points:

• for citizens with basic pension provision and an emerging funded share, the IPC is allowed no higher than 1.875;
• for people without savings, the maximum is 3.0.

It follows from this that with the highest income, the increase in 2020 will be no more than 261.72 rubles.

An example of calculating benefits for a pensioner after dismissal, taking into account indexation

The citizen reached retirement age in 2021, but continued to work. By this time, he had accumulated 85 IPCs. In 2021, his pension was: 4558.93 (base) + 85 * 74.24 (IPC cost) = 10869.33 rubles. During his working life after retirement, the citizen earned 6 more points, that is, their total number was 91 IPC (85+6). Only 3 indexings were missed by the person. He resigned in January 2020. The Pension Fund will make adjustments taking into account the current year’s indicators. The pension for a citizen will be: 91 * 87.24 + 5334.19 = 13273.03 rubles. The new payment amount will be received by the recipient in March or April 2021, taking into account previous months (from January 2021).

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Video - Additional payments for military pensioners

Deductions that don't exist

It may be that everything is in order with SNILS, but there is still no information on the length of service and insurance contributions on the personal account. Then the fault lies with the employer: either he did not pay contributions at all, or he paid, but submitted the report to the Pension Fund incorrectly.

For example, an accountant indicated an incorrect SNILS number for an employee - and the information was not reflected in his personal account. The main thing here is to identify this in time and take the necessary measures: contact the employer, and if this does not produce results, then inform the Pension Fund and the prosecutor’s office.

If the employer did not pay insurance contributions, this is not so scary: then the Pension Fund is obliged to assign a pension based on the accrued contributions. It is much worse if there is no information about the amount of accrued contributions (if the employer did not submit reports to the Pension Fund). After all, then nothing will be added to the pension.

Whether or not they can reduce its size after recalculating the pension

When Galina Mikhailovna Kaygorodova (pictured left) begins to tell this story, tears well up in her eyes. Just a month ago she received a call from the Pension Fund and was told that the pension she had been receiving since 2001 had been calculated incorrectly—from August it would be paid in a smaller amount. Galina Mikhailovna thought that this was someone’s cruel joke, but... Having received the official letter, she realized that her old-age benefit would actually be reduced by almost 300 rubles. “I cried for several days,” the woman sighs. “I couldn’t do anything around the house or at the dacha.” I was afraid that because of someone’s mistake in calculations, I would have to return money to the state for almost 14 years! Where can a simple pensioner get them?!” In the spring, Galina Mikhailovna read in the newspaper that periods of study at the institute can be included in the length of service and affect the size of the pension. The woman even perked up: she studied at the university for six whole years. “Those who did not receive higher education got a job immediately after school, completed evening courses at college and were able to earn decent work experience,” Kaygorodova sighs. “And those who entered the institute deleted five-six years from their experience.” Galina Mikhailovna already has a decent amount of experience - more than 36 years. But six years - and this is the sixth part of the experience - would not hurt, she reasoned and wrote an appeal to the Penza Pension Fund office in the city of Penza and, at the same time, to the Penza Region Penza Branch. The woman asked that the amount of her pension be recalculated and, if possible, the years of study at the university taken into account. As it turned out from the letter from the PFR management, Kaygorodova’s years of study at the university were already taken into account when calculating the length of service coefficient. “Pension provision for citizens of the Russian Federation until January 1, 2001 was carried out in accordance with the norms of the Law of the Russian Federation of November 20, 1990 No. 340–1 “On State Pensions in the Russian Federation,” says the official response of the Penza Pension Department, which provided for the inclusion in the total length of service during periods of education and caring for children under three years of age.” Further on the paper, long calculations were listed, and at the end of the letter - that very terrible news for the pensioner. It turned out that when re-analyzing the pension case, experts discovered that back in 2001, when Galina Mikhailovna was applying for old-age benefits, the total amount of her earnings was incorrectly calculated, on the basis of which the wage coefficient and, accordingly, the size of the pension were determined. “Why, after so many years, should I be responsible for the mistakes of those who incorrectly calculated my pension?! - the woman is perplexed. “They were given wages for doing their job like that!” Galina Mikhailovna will receive her August pension after the 10th. But for the first time in many years, she longingly awaits the delivery day. She still can’t believe that someone has the right to reduce her honestly earned pension. “If I had known what this application to the Pension Fund would cost me,” the woman sighs, “I would never have written letters there...” Comment from a specialist “Pension legislation changes quite often,” says the head of the legal labor inspectorate - the chief legal labor inspector of the Federation of Trade Unions Penza region Alexander Shavshaev. — And studying in higher educational institutions in certain years was taken into account when calculating both the general length of service for the assignment of a pension, and the special experience for the assignment of an early pension. Those who are on a well-deserved retirement must remember that they have the right to choose the most profitable option for calculating their pension!” Please note that currently periods of study at a university are not taken into account when assigning a pension. The size of the future pension is affected only by those periods for which the employer paid insurance premiums for the employee. In addition, in accordance with the Federal Law “On Insurance Pensions” No. 400 of December 28, 2013, which came into force on January 1, 2015, periods of military service are included in the insurance period; care for a citizen who has reached 80 years of age; care for a disabled person of the first group, which is provided by a non-working able-bodied citizen; maternity leave. But until 2002, the Law of the Russian Federation of November 20, 1990 No. 340–1 “On state pensions in the Russian Federation” was in force. In accordance with it, the total length of service included, among other things: any work as a worker, employee, member of a collective farm or other cooperative organization, etc.; the period of creative activity of members of creative unions of the USSR and union republics - writers, artists, composers, filmmakers, theater workers; service in the Armed Forces of the Russian Federation, etc.; preparation for professional activity - training in colleges, schools and courses for personnel training, advanced training and retraining, in secondary specialized and higher educational institutions, postgraduate studies, doctoral studies, clinical residency, etc. From 1959 to October 1 In 1993, in Russia, Resolution No. 1397 of the USSR Council of Ministers of December 17, 1959 “On pensions for workers in education, health care and agriculture” was in force. It also implied the inclusion of periods of study at universities in the special length of service when assigning early retirement, but on the condition that this study was preceded by professional activity and no later than three months after graduation, the citizen continued his professional activity.

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Didn't submit the required application on time

Often people are deprived of special additional payments that are due to them for retirement, only because they did not apply for them on time.

This is, first of all, a social supplement up to the subsistence level, an additional payment for a dependent, for rural or northern work experience, additional monthly financial support for special services to Russia, etc.

These payments are assigned from the date of application, so you cannot collect them for the past, citing the fact that you did not know before.

The only way out here is to take an interest in pension legislation and ask more about the Pension Fund employees at the reception about the payments that you are entitled to in addition to the pension.

Is it possible to recalculate a pension after it has been assigned?

Pension experts often use the concept of “pension recalculation.” What does this concept mean? In what cases is it used? Are there any special conditions for recalculating a pension after it has been assigned? These questions can be answered in this article. If a pensioner decides to resign from his place of work, then the amount of pension payment will be recalculated without fail, and all possible indexations for previous years will be taken into account. To initiate such a procedure, the pensioner must contact the local branch of the Pension Fund in the department for assignment and recalculation of pension payments. To do this, write an application with a corresponding request and attach a personal work record book or a document that can confirm the fact of dismissal from the place of work.

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An old HR mistake

Due to incorrect registration of work experience for the period before 2002, a citizen may lose part of his pension - after all, this work experience is taken into account in its calculation.

To avoid this, it is worth asking the Pension Fund for an explanation of the size of your pension, what length of service was taken into account when assigning it, and what not, and why. It often turns out that due to mistakes by personnel officers, the pensioner was assigned a pension less than he should have.

The refusal of the Pension Fund to count periods of work into length of service can be appealed in court - if there is a positive decision, they will recalculate the pension.

As you can see, a low pension is often the result of our own ignorance. Without being interested in what data the Pension Fund has about us, we leave a lot to chance. And timely curiosity can protect an already low pension from an even greater, unjustified understatement.

Identifying unreliable or unverified records

The main data on the basis of which the pension is calculated is the length of service and the salary of the person who applied to the Pension Fund for calculating the pension.

What pension size, according to Russians, is adequate for life?

Thanks to the reflection of all the information on the individual personal account of any Russian citizen, available in the electronic database of the Pension Fund of Russia, practically no questions arise regarding the length of service obtained with a certificate of compulsory pension insurance. However, for those periods of work when “green certificates” had not yet been issued, proof of work experience is provided exclusively by paper documents. And sometimes serious questions arise regarding how to fill them out correctly.

In practice, there are cases of assigning a pension based on such documents, but over time, for example, when conducting an audit or transferring the pension file to another executor, it becomes clear that the documents on which the pension was assigned by the Pension Fund employee are unreliable.

As an example, we can cite cases where the signature of the chief accountant of an organization is missing on a salary certificate or there are no grounds for issuing the document. Such failure to fill out a financial document in a strictly established form leads to its invalidity.

On this basis, all information contained in it should be considered unreliable. This gives the Pension Fund employees the right to recalculate the pension payment, reducing it from the first day of the coming month. The overpayment that accrued during the payment of the pension will be recovered from the guilty person.

Working pensioners have been given their final pension amount

Recalculation of pension after dismissal in 2021

True, there are some nuances that need to be remembered. Despite the fact that the right to recalculate a pension now arises the very next month after leaving work, it will be implemented, as last year, only in the third month. Let's figure out why this is happening and what has changed compared to previous years. Yes, the peculiarities of companies’ reporting to the Pension Fund of the Russian Federation are such that the Pension Fund will not be able to pay the indexed pension immediately. But pensioner Ivanov from our example in October will receive not only a higher pension for October, but also the difference between the old and new pension amounts for August and September. Just last year, pensioners after dismissal did not have such compensation for the first two months.

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Pension recalculation

• with an increase in the IPC for the period up to 01/01/2015.
• with an increase in the coefficients established by law for certain periods (military service, child care), when these periods occurred after 01/01/2015.
• when the IPC increases due to insurance contributions not taken into account when determining it, information about which is reflected in the compulsory pension insurance system. It is this type of recalculation that is carried out without a citizen’s application from August 1 of each year (for survivors’ pensions
• from August 1 of the year following the year in which the pension was assigned). Article 18 of the Law “On Insurance Pensions” establishes a calculation formula based on which recalculation is carried out.

The recalculation itself is made from the 1st day of the month following the month of filing the corresponding application - if the amount of the insurance pension or fixed payment to it is increased, from the 1st day of the month following the month in which the grounds for reducing the size of the pension or payment occurred to it - when the size of the pension should be reduced.

24 Dec 2021 marketur 816

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