Pension increases in 2021: the latest news for working and non-working pensioners

• Already from January 1, the labor pension for non-working pensioners (for old age, disability and loss of a breadwinner) will increase by 3.7 percent. This indexation will be carried out one month earlier than usual , since the Government has decided to index these types of pension payments above the inflation rate, which in 2021 was at a record low level (less than 3%).
• From February 1, social payments paid by the Pension Fund independently or as a pension supplement (EDV, NSO) will be indexed as usual. In 2021, these payments will be indexed according to actual inflation for 2017 (projected to be less than 3%, so pensioners are unlikely to feel such an increase).
• From April 1, social pensions paid to pensioners without work experience (including disabled children) will be indexed. This type of pension is assigned in a fixed amount and increases taking into account changes in the pensioner's subsistence . In 2021, the indexation of social pensions is planned at 4.1%.

Pension increases in 2021: the latest news

The moratorium on indexation of pensions for working pensioners will be maintained in 2021 - that is, employed citizens who are already retired will only be able to count on recalculation from August 1 based on accrued pension points for the previous year.
They will be able to receive all indexation missed during the moratorium only after dismissal. In addition to the indexation of pension payments, in 2021 there will also be a number of 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 pensioners will receive 5,000 rubles in January 2021 (alas, no - this time there will be no such payment).

Growth through indexing

We can say that the indexation of pensions from November 1 in the country is not planned, because it was already planned for January, February and April (for different categories of pensioners). It should be noted that in the current conditions, the usual indexation of pension payments is sometimes not enough to level out changes in prices for products and services in stores. However, you should not count on additional growth yet, because this is possible subject to rapid economic development and the availability of sufficient funds in the budget.

Important! Pensioners who continue to work even after reaching retirement age (which is quite common today) also received increases due to indexation in 2022, although in the past they were deprived of such a privilege.

What can be said as a conclusion?

In general, when discussing the increase in pensions for pensioners of the Ministry of Internal Affairs in 2022 (as well as any other categories of Russian boarders), it is worth saying that there will still be no increase in pensions in November. However, despite all the difficulties, pension payments for older citizens will certainly become better and higher over time.

It is also expected that changes in the future will not bypass the size of minimum pension payments. It cannot yet be said that minimum payments will increase in November, but it will certainly come a little later. Statistics show that the overwhelming majority of Russians today receive the minimum pension or payments close to this amount, and therefore the basis for increasing monetary security and improving the quality of life of citizens will be the revision of this social indicator.

Pension for working pensioners in 2021: latest news, indexation

The laws adopted in the State Duma do not provide for any changes for the working population receiving pensions for 2021. 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 until 2021 .

This moratorium on pension indexation operates as follows:

• Those citizens who retired before February 1, 2021 and retained their jobs will remain without an increase in their pensions from February 2021.
• For citizens who became pensioners after February 1, 2021, when calculating the individual pension coefficient (IPC), all increases that took place on the date the right to a pension arose 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 2021 within the time limits 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, 2021 and is equal to 4805.11 rubles.

Further, subject to continued performance of paid work, all subsequent indexations of singing after the appointment will be suspended . Those. the indexation carried out from January 1, 2018 at 3.7% 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 2021, a law was adopted according to which the period for recalculating pensions after dismissal was changed. In 2021, 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, a pensioner received a recalculation of the pension he received, taking into account all indexations for 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 2021, the period for calculating pensions is reduced, taking into account indexations missed during work. July 1 comes into force , 2021.

However, the process of additional accrual of missed increases will be the same and, 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 elapsed after dismissal .

This innovation applies only to those laid off after January 1, 2021 . If a pensioner quit, for example, in December 2021, then the indexation of his pension will be carried out only from April 1, 2021 - without additional payment for the period from January to March (in other words, these months will be lost).

Who didn't get promoted?

Indexation was carried out for all non-working pensioners, but some did not feel the long-awaited increase.

For example, a pensioner turned to the OPFR in the Lipetsk region for clarification, whose pension increased by only 20 rubles, which is 0.23% of the previous amount, while the woman expected an increase of 3.7%. What is it, why is there so little?

“Last year I received a pension of 8,600 rubles. Since January, everyone’s pension has been increased by 3.7%, but for me it was only by 20 rubles and it turned out to be 8,620 rubles. Explain how much my pension was indexed?” asks the pensioner.

The Pension Fund of the Russian Federation explained to the discouraged pensioner that the 8,600 rubles she received last year is the amount of her pension, taking into account the FSD (federal social supplement) up to the subsistence level established in the region.

During indexation, only the size of the pension increases, and if after this the citizen’s pension does not reach the subsistence level established in the region, he is also assigned a social supplement.

Example:

The pension of a non-working pensioner Sidorova from the Lipetsk region is 7,600 rubles. In 2021, the Pension Fund of the Russian Federation paid her an additional FSD in the amount of 1,100 rubles to the regional subsistence level of 8,600 rubles. After indexation from January 1, 2021 by 3.7%, the pension increased to 7,881 rubles, but did not reach the regional subsistence level and the pensioner will also continue to receive a social supplement of 739 rubles, only this year to the amount of 8,620 rubles. This is exactly the minimum living wage for a pensioner set for 2021 in the Lipetsk region.

Let us remind you that the federal social supplement is established for all non-working pensioners if the total amount of their material support does not reach the pensioner’s subsistence level (PLS) established in the region.

Read about the amount of PMP in the article: “Social supplement to pension: to whom, when and how much. Table with amounts for all regions."

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 will be very small (unnoticeable) or, as for a large category of working pensioners, there will be no increase at all. But in the new year, the requirements for already formed pension rights and the level of wages of Russian citizens for retirement will increase:

• The minimum requirements required for retirement in 2021 will increase by the planned values ​​provided for by the Law “On Insurance Pensions” - now for this you will need to have at least 9 years of work experience and at least 13.8 pension points .
• It will become much more difficult for the working population to earn new pension points from 2018 , since the maximum base for calculating insurance contributions to the Pension Fund in 2018 (on the basis of which points earned for the year are calculated) will be increased immediately by 16.55% - from 876 thousand. rubles up to 1 million 021 thousand . - according to Government Decree No. 1378 of November 15, 2021. And it’s unlikely that anyone in Russia now has a salary that is growing at the same rate (well, if it’s growing at all).

No other significant changes are expected in the Russian pension system in 2018. In particular, the expected one-time payment to pensioners in the amount of 5,000 rubles will not be paid in 2021 - it was a one-time, one-time additional payment that was due to all pensioners in January 2021 in return for the additional indexation required by law that was missed in 2021 (and there is no reason to pay it in 2018, simply not).

And one of the few truly good news for Russians is that no decision has yet been made to increase the retirement age, which is important 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 2021, 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 high inflation and the impossibility of carrying out additional indexation of pensions in 2021, 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 2021. Therefore, no additional one-time payments (5 thousand rubles or any other) in addition to the already included indexations will be made!

Will there be an increase in the retirement age in 2021 (latest news)

In the last few years, the most discussed and pressing issue for Russians is the issue 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 2021 in Belarus the retirement age will be increased annually by six months until women reach 58 years of age and men reach 63 years of age. 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 2021 - but so far these are only 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 to obtain the right to an old-age pension within the generally established time frame, three mandatory conditions must be met:

• 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 assigned regardless of the length of work (insurance) experience and the number of points received.

From 2021, a mandatory condition for granting a pension upon reaching retirement age (currently 55 years for women and 60 years for men) is the presence of 9 years of experience and 13.8 points of the individual pension coefficient (IPC).

An example of calculating pension points from 2015 to 2021

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, for these purposes, the Government approves the so-called maximum wage , 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 2021 is the following values ​​(see table below).

What to expect for working pensioners

Despite attempts by deputies to lift the ban on inflation compensation for working pensioners, the government rejected such an initiative. In response to arguments that no more than 200 billion rubles will be needed, officials are categorical: there are no sources of funding yet. So, citizens who continue to work for the good of their Motherland will, in 2018, receive the amount that was originally calculated for them.

There will be compensation for working pensioners after leaving work this year! Those who stopped working on January 1, 2018 will be able to count on an increase in the amount of their insurance pension in August: the Pension Fund of the Russian Federation plans to make an undeclared adjustment of payments. In addition, they will be paid a pension taking into account all previously missed indexations according to the new rules: the recalculated amount will be given for the first time three months after dismissal, but payments will also be increased for these months. Previously, the waiting period was not taken into account, and pensioners received less.

Good news for those who are still planning to work. At the end of 2018, the value of a pension point will increase to 81.49 rubles, which means that after leaving work you will be able to receive more.

How the insurance part will change

As a result of the approved pension growth indices from January 1, 2018 (for comparison, data for 2021 are also shown) will be the following values:

Individual pension coefficient in 2021

The legal basis for pension provision is reviewed every year. In 2021, to assign an insurance pension to a Russian, a work experience of 9 years or more is required. To calculate pension payments, all the rights of a retired citizen are taken into account, converted into points: the length of his work activity; wage; employer insurance contributions. To acquire the right to an insurance pension, you need to have a total of 13.8 points. Such coefficients (pension points) have also been increasing since January, along with general indexation from 78 rubles. 28 kopecks up to 81 rub. 49 kopecks

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Indexation of fixed payment

The slowdown of inflation processes in Russia allowed the Ministry of Economic Development to predict a decrease in the price index. Pension indexation funds have already been included in the country's budget in a higher amount of 3.7-3.8%, which corresponded to the early inflation forecast. The government decided to implement the increase by 3.7 percent and do it ahead of schedule by one month. As a result, the fixed payment is indexed by a factor of 1.037 times (in the amount of 4982.9 rubles) and the average annual amount of security accrued for old age is projected at the level of 14075 rubles.