Today, the most vulnerable group of the population are people with disabilities who need assistance from the state in the form of social support. The social security system offers a set of social services for this group of citizens, as well as cash benefits for disability .
However, in order to obtain an insurance pension, certain conditions must be met, after which the citizen will be awarded a payment in the amount established by law.
What is a disability insurance pension?
For people with disabilities, subject to certain conditions, the state assigns a cash payment called an insurance pension. There are several types of insurance benefits, but for this group the concept of “disability pension” is applicable. Funds are transferred regularly once a month .
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State cash payments to disabled people are assigned as a measure of social support for a vulnerable category of people who have persistent health problems that limit their life activities.
Conditions of appointment
Disability insurance pensions are awarded only to citizens of the Russian Federation. The main condition for the payment of this type of security is the established fact of disability , that is, limited or complete absence of the ability to carry out work.
Also an important condition is the presence of a minimum insurance period, without which there is no right to this type of pension, and disabled people can only count on social benefits.
It should be noted that working activities do not interfere with receiving pension money in this case.
Conditions for granting a disability pension
To qualify for a disability pension, certain conditions must be met. For people with disabilities, the following requirements are put forward for payment:
Availability of an official document confirming the status of a disabled person
As a rule, an extract from the medical and social examination report is sent by the organization to the relevant pension authority within 3 days from the moment the citizen is recognized as disabled.
Experience of any length
In the absence of a period of labor activity, the citizen is paid a social benefit.
When is a disability pension granted?
Recognition of disability and insurance experience are the only conditions for assigning the type of financial security in question. It does not matter how long you have worked or whether you have a job at the time you are recognized as disabled. A criminal offense or intentional infliction of damage to one’s health cannot be a reason for refusal to assign payments.
Insurance coverage on the basis under consideration is assigned for the period the citizen is recognized as disabled. Payments stop if health restrictions are lifted or the disabled citizen reaches retirement age. In the second case, the disabled person is transferred to an old-age insurance pension.
Before the due date, old-age payments are assigned at the request of a person who has the right to retire early. Payment of a pension for health reasons ceases from the date of assignment of an old-age pension. If there is no work experience at all, disabled persons are assigned social disability benefits or a state security disability pension.
The procedure for assigning insurance payments is regulated by the Federal Law “On Insurance Pensions” No. 400-FZ dated December 28, 2003. The amount of payments is calculated on the day the pension payments are assigned. For disability pensions, this moment is the day a person is recognized as disabled if he submitted an application for a pension within a year.
Deadline for assigning a disability insurance pension
After submitting an application for a pension payment with all the documents attached to it, the application will be considered by Pension Fund employees within 10 working days from the date of acceptance.
Disability insurance benefits are established for a limited period of time:
- before the end of the period of recognition of a citizen with the appropriate status;
- for the period of validity of the medical certificate;
- before reaching retirement age.
If a person has not renewed the required documents or has ceased to be documented as disabled, or has reached the age that gives the right to retire, in this case, the citizen loses his status and no longer has the right to receive state cash benefits.
When can I get the money?
An application for payment of an insurance pension by a disabled person is considered within 10 working days. In this case, the countdown begins from the moment when the Pension Fund of the Russian Federation or the MFC accepted the application or received the missing papers (if the applicant did not invest within the 3-month period).
The deadline for assigning pension benefits is the next day from the date of application, but not earlier than the applicant has received the right to receive such a payment. The exception is cases when a person is recognized as disabled, but applies for an insurance pension within a year from the date of receipt of the supporting documents. In such a situation, money is accrued from the day the person received disability.
Amount of disability insurance pension for group 1
The basic state cash payment to disabled people of group I currently includes:
- for work in the absence of dependent persons - 12088.96 rubles. ;
- if there is one dependent – 14,103.79 rubles. ;
- if there are two dependents - 16,118.62 rubles. ;
- if there are three dependents – 18,133.45 rubles.
An increased pension is assigned to citizens who have lived in the Far North for 15 years, as well as those who have insurance coverage.
Conditions
Disabled people of any group have the right to receive insurance payments, regardless of the reasons for which the disability was assigned.
A disabled person is a person who, for any reason, has lost the ability to engage in full-time work. Minors are assigned the category “disabled child” and they also have every right to claim social benefits.
The conditions for granting such a pension are as follows:
- presence of Russian citizenship;
- permanent residence in our country;
- recognition of a person as disabled on the basis of a conclusion made after a medical and social examination.
Insurance payments are assigned regardless of the reasons for awarding disability to a citizen and the length of his work experience. In addition, it does not matter at all whether a person became disabled when he could work or at that time he was no longer working.
Amount of disability insurance pension for group 2
The amount of pension payments to disabled people of group II is paid in the general manner on a monthly basis, and for 2021 it amounted to 6044.48 rubles. For persons with disabilities since childhood RUB 10,567.73.
If there are periods of working activity, the amount of payment changes:
- in the absence of dependent persons - 6044.48 rubles. ;
- 1 dependent – 8,059.31 rubles. ;
- 2 dependents – 10,074.14 rubles. ;
- 3 dependents – 12,088.97 rubles.
Amount of insurance pension in 2021
As mentioned earlier, the amount of the disability insurance pension consists of two parts: the basic one, calculated from the number of individual industrial complexes, and the fixed one in the form of an additional payment provided for in Art. 16 Federal Law No. 400. The amount of additional payment to the main part depends on the group:
- 1st group: RUR 9,965.8;
- Group 2: RUB 4,982.9;
- Group 3: RUB 2,941.45
The part depending on the insurance period is calculated as follows:
IPC x SB, where IPC is the number of points in the pensioner’s account, and SB is the cost of one point. For 2021, its price is 87.24 rubles, previously it was 81.49 rubles. The increase in cost is associated with rising inflation and falling household incomes, which is why the Federal Law of October 3, 2018 No. 350-FZ made such changes.
Previously, the price of IPC increased annually depending on the growth of inflation. An annual increase is now being planned in advance in accordance with the above-mentioned Federal Law No. 350.
Example No. 1: calculation of an insurance pension for a disabled person of group 1
Citizen Ignatiev L.D. 53 years old, 20 years of work experience. The IPC is equal to 100 points.
100 x 87.24 = 8,724 rubles. – part depending on the insurance period.
8,724 + 9,965.8 = 18,689.8 rub. – total amount of payments.
Example No. 2: disability insurance pension 2 groups
Evtushenko O.N. I received group 2 disability due to diabetes and decided to retire. 80 IPC were accrued on her personal information system for the period of her employment.
80 x 87.24 = 6,979.2 rubles. – “floating” part of the benefit.
6,979.2 + 4,982.9 = 11,962.1 rub. – the total amount of the pension together with a fixed additional payment.
Example No. 3: insurance pension for a disabled person of group 3
Citizen Serykh E.K. assigned to group 3. During his working life, he “earned” 120 IPC. How the benefit will be calculated:
120 x 87.24 = 10,468.8 rubles.
10,468.8 + 2,945.45 = 13,414.25 rubles. - total payable.
Calculation of disability pension
To calculate the amount of a disability pension benefit, you need to know the values of the following indicators:
- the amount of a fixed payment depending on the group, established by a regulatory legal act;
- number of pension points (IPC);
- cost of one point.
Formula for calculating disability insurance benefits:
Pension size = number of IPC * cost of 1 point + amount of fixed cash payment
Payment amount
In 2021, the size of the fixed insurance pension for disabled people is as follows (depending on the group):
- 1st - 4982.90 rub.
- 2nd — 4982.90 rub.
- 3rd — 2491 rub.
A special formula is used to calculate the real pension. The fixed payment is required to be multiplied by the coefficient on the period of transition to pension provision. Next, the pension coefficient is multiplied by the price of the point and the coefficient on the period of transition to pension provision. It remains to sum up the numbers obtained in the first and second calculations.
Using this formula, everyone can accurately determine the amount of payments by applying characteristic parameters. The insurance amount is calculated for each person individually.
Fixed payment to the disability insurance pension
When assigning an insurance pension to citizens with disabilities, a fixed payment was automatically calculated, the amount of which was indexed annually depending on the level of inflation for the previous year. Starting from 2021, the payment amount is set without taking into account the increase in consumer prices, but the increase will still be carried out. This procedure for calculating payments will be valid until 2024 inclusive.
For 2021, the fixed amount is RUB 6,044.48. If we consider future years, the following values are established by law:
- 2020 – 5 thousand 696 rubles. 25 kopecks;
- 2021 – 6 thousand 44 rubles. 48 kopecks;
- 2022 – 6 thousand 401 rubles. 10 kopecks;
- 2023 – 6 thousand 759 rubles. 56 kopecks;
- 2024 – 7 thousand 131 rubles. 34 kopecks
Factors influencing the amount of disability pension
The amount of the disability insurance pension is influenced, in particular, by the following factors:
- disability group;
- the fact that the disabled person is working;
- period of child care up to one and a half years;
- the amount of insurance contributions to the Pension Fund, depending, accordingly, on the size of the “white” salary;
- standard duration of insurance coverage for a disabled person;
- presence of dependents;
- living and working in the Far North and equivalent areas.
Step-by-step instructions: how to calculate?
How to calculate a disability pension? To calculate the amount of your pension, you must:
- Find out how many conditional pension points have been accumulated.
- View the fixed pension amount for this disability group.
- Check whether you are entitled to bonuses and increasing coefficients.
- Perform calculations based on this information.
Attention: You can find out how many points you have accumulated at the Pension Fund. To do this, you need to contact the nearest branch in person or online (via the Pension Fund website or the State Services portal).
Components
The amount of the insurance pension consists of two parts:
- insurance;
- and a fixed amount.
The first part is calculated according to a certain formula. The latter is equated to a certain value, which is indexed annually to compensate for inflation (read about pension indexation here). In 2021, the size of the fixed part is 4,805 rubles 11 kopecks; Depending on the group, the disabled person receives a certain share from it :
- for group 1, the most severe, it is 200%;
- for the 2nd – 100%;
- and for the 3rd – 50%.
There are also regional increasing coefficients. For example, for the Far North they are:
- + 30% of the amount when working in these places for 15 years or more;
- + 50% – from 20 years.
Another allowance is related to the presence of dependents. Its size depends on their number: one, two or three or more.
What exactly a disability pension consists of is discussed here.
Formula and examples
The formula for the insurance part is the same as for the old-age pension, namely -
IPC x SPK The abbreviation IPC denotes the number of conditional pension points that a disabled person has at the time of calculating the amount of payments. SPK is the “cost” of one such point. It increases every year, and in 2021 it is equal to 78 rubles 28 kopecks.
The number of accumulated points is determined:
- length of service;
- the amount of contributions transferred by the employer.
The length of service includes not only periods of work, but also some others. These include military service and caring for a child under one and a half years old, disabled people or pensioners.
And the total amount of the pension can be expressed by the formula -
SP + FV, where:
- SP – insurance pension;
- and FV – fixed payments.
Example: A disabled person of group 2 has 12 years of work experience, during which time he has “accumulated” 30 pension points, and has one minor child. There is no right to regional coefficients.
- Fixed part with additional payment for a dependent: 4,805 rubles 11 kopecks + 1,519 rubles 65 kopecks = 6,324 rubles 76 kopecks.
- Insurance part: 78 rubles 28 kopecks x 30 points = 2348 rubles 4 kopecks.
- Total amount: 6324 rubles 76 kopecks + 2348 rubles 4 kopecks = 8673 rubles 16 kopecks.
Here's how the payout is calculated.
What determines the size of payments?
It is defined:
- length of service;
- the size of salaries, since the size of pension contributions depends on them;
- severity of disability;
- age of applying for a pension;
- right to additional payments.
For example, payments if there are dependents will be as follows:
- 1,519 rubles 65 kopecks per person;
- 3,039 rubles 30 kopecks for two;
- and 4,558 rubles 95 kopecks for a larger quantity.
A dependent is a disabled person for whom that person must care. This could be a minor child, as well as a parent or other relative who cannot provide for themselves.
Let us tell you in more detail how to calculate the amount of pension due in a particular case.
