Now, having worked for 35 years, a pensioner has the right to claim an additional payment to the basic benefit. It is worth noting that the longer the work experience, the greater the additional payment to the pension.
The influence of the number of years worked by citizens on the increase in pension funds
The new program for calculating pensions is aimed by the state to ensure that the population is interested in increasing their work experience. This is expressed in the form of bonuses for work of 35 years or more (find out what kind of pension the state has prepared for Russians with 35 years of service or more). Additional pension points are awarded according to a certain scheme :
- Women and men who have worked for 30 and 35 years receive 1 bonus point for each year in excess of the indicator.
- Activities for 35 and 40 years entitle you to an additional 5 points.
Additional pension payments are not always greater for those who have devoted many years to work. The amount of the bonus is influenced by the level of average wages.
So, for example, if one pensioner worked for 43 years, and the level of white wages did not exceed the minimum, the pension may be significantly lower than that of a pensioner who worked 10 years less, but at the same time officially received a salary above the average. The amount and procedure for calculating additional payments are stipulated in Federal Law No. 400 of 2013.
What additional payments are due to pensioners for work experience of more than 35 years?
Recently, information has been spreading on the Internet that citizens are entitled to recalculate their pensions after 35 years of work experience. Its essence is to increase the IPC by 1 pension point. Please note that current legislation does not provide for this possibility.
An increase in pension in 2021 is possible if the pensioner continues to work. In this case, on August 1, an undeclared recalculation of the insurance pension provision is carried out, taking into account the pension points accumulated over the previous year.
An additional payment to the pension for work experience of more than 35 years in 2021 can only be accrued to a woman when awarded the title “Veteran of Labor”. To obtain status, you must apply not to the Pension Fund, but to the local social security department. The title is awarded not at the federal level, but in accordance with regional legislation. Only after receiving such status is a bonus awarded for work experience of more than 35 years.
For unaccounted experience
If there is documentary evidence of unaccounted service (extracts from orders, contracts, certificates), the pensioner has the right to recalculate pension payments upward by including periods in the insurance or work experience. To do this, you need to submit an application to the Pension Fund or the Multifunctional Center (MFC). Recalculation will be made based on the number of pension points accrued during this time.
For “non-insurance periods” pension points are accrued using a different method. For each year, 1.8 points are awarded. An exception is the time of caring for a newborn until he is 1.5 years old:
- for the first child – 1.8 points/year;
- for the second – 3.6 points/year;
- for the third – 5.4 points/year.
Recalculation of pensions for working pensioners
Seniority bonuses for length of continuous work are provided only to pensioners who continue to work after entering a well-deserved retirement. They are not entitled to annual indexation of pension provision, which from 2021 has been carried out since January by a percentage predetermined by the Government of the Russian Federation.
The pension is recalculated upward by increasing the number of pension points, the maximum number of which is limited to three.
From January 2021, the cost of one point is 87.24 rubles. Based on this, the amount of additional payment will be a maximum of 261.72 rubles. A full recalculation of the pension, taking into account all previously made indexations, is due to the citizen only after dismissal.
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Labor veterans
Currently, the status of “labor veteran” is assigned in accordance with regional legislation. Residents of Moscow are given honorary status if they, as minors, began working during the Great Patriotic War, and have 35 years of experience or more (for women) and at least 40 years (for men).
In 2021, Muscovites can also receive the title for long-term work activity (it is necessary to confirm their place of residence), who have an insurance record of 25 years or more (men) or at least 20 years (women) or the length of service necessary to assign a long-service pension, and in this case they meet one of the following conditions:
- awarded medals or orders;
- awarded honorary titles of Russia or the USSR;
- awarded certificates of honor or received gratitude from the President of the Russian Federation;
- awarded departmental insignia for merit in labor (service) and long-term work (service) of 15 years or more in a certain field of activity.
How much will the pension for Moscow labor veterans be increased?
The additional payment to the pension in Moscow for labor veterans is 1 thousand rubles. The application is considered within 10 working days from the date of submission of the application and provision of the entire package of documents.
The city pension supplement is calculated from the 1st day of the month following the month of application.
How much work do you need to do to receive the minimum payment?
In Soviet times, to obtain the right to a pension, a person had to work for at least 25 years (how to correctly calculate pension points for Soviet experience?). Later, the government of the Russian Federation established that the minimum work experience is 5 years. With the latest reforms, the government decided that Russian citizens need to work for at least 15 years to qualify for a pension .
The rules for calculating length of service have also changed. Now, studies at a higher educational institution will not be taken into account, but maternity leave and military service will also be counted towards work experience.
Increases for work carried out beyond this period
If you have 30/35 years of experience (for women and men, respectively), the state expects to award bonuses in the form of additional points, which are taken into account when calculating pension payments. As mentioned above, when a person works for more than 35 years, 1 point is awarded every subsequent year . If a citizen has worked for 35/40 years, then the bonus is 5 points.
Activity over 45 years plays virtually no role when calculating such bonuses. In addition, benefits for long-term work at one enterprise have been abolished.
Will everyone have them and from when?
Working for 35 years or more does not guarantee receiving decent pension payments . This is directly related to the contributions made by employers.
If there were no such deductions (i.e. the work was unofficial) or they were insignificant (the “white” salary was less than actually due to the employer’s evasion of paying full taxes), there is no need to count on additional payments. Only those individuals who worked officially and did not hide their real income from the state will be able to see a significant difference.
Is it available to those who are already receiving pension payments?
Women and men who have worked for more than 35 years and are already receiving a pension have the right to claim additional accruals. So for their work activity they will receive an additional 5 additional points. When calculating, it is worth remembering that the time spent on parental leave is taken into account in full if the total amount does not exceed 4.5 years.
Procedure for appointment and registration
To receive a pension supplement, you need to visit the Pension Fund with documents:
- passport;
- personal account insurance number (SNILS);
- pensioner's ID;
- work book;
- other documents confirming work activity.
A PF employee accepts a package of documents from the applicant and, within a specified time, checks them for the possibility of accruing additional payments to the pension.
In cases of refusal to a person who applied to the Pension Fund, a meaningful response is drawn up as to the reason for the refusal of additional benefits and how the decision can be appealed.
Reasons for refusal to receive additional payment may include::
- providing false or incomplete data;
- clarification of the fact that during the period of employment the employer did not make contributions to pension and other funds for employees;
- not developing experience;
- performance of work or other activities during the period of which the recipient is subject to compulsory pension insurance - Federal Law No. 167 of December 15, 2001.
To prevent such incidents from happening, it is important to correctly calculate the length of service and provide only reliable and complete information to the Pension Fund. If a refusal is received for unknown reasons, it is recommended to apply for benefits to a higher authority.
If you receive an unreasoned refusal, it is recommended to immediately file a lawsuit with the provision of all documents and a written refusal from the Pension Fund.
Dependence of pension on length of service
According to Russian pension legislation, citizens are awarded an insurance, state or social pension. Work experience is important when assigning only an insurance pension. For the state, length of service is taken into account, and social is assigned even to those who have not worked at all.
The amount of pension insurance is calculated for each applicant individually. It consists of two main parts:
- a fixed payment, the amount of which is determined for each category of applicants by decree of the Government of the Russian Federation;
- insurance part (individual pension coefficient multiplied by the cost of one pension point).
In 2021, to assign a monthly payment, you must have an insurance period (the time during which the employer made insurance contributions to the Pension Fund) of at least 10 years and an individual pension coefficient (sum of pension points) of at least 16.2.
The duration of official employment affects the possibility of receiving a bonus in the following cases:
- there is unaccounted experience due to the lack of supporting documents;
- the citizen continues to work after entering a well-deserved retirement;
- deferred retirement (for each year an increasing coefficient is applied to the fixed payment and the insurance part);
- The number of years worked allows you to receive the title “Veteran of Labor”.
What is included in work experience?
It is important to distinguish between the concepts of labor and insurance experience. The first is applied when assessing the pension rights of an applicant who was listed as employed before January 1, 2002. The length of work experience affects the calculated amount of the pension, which is subsequently converted into pension points using a special formula.
After January 1, 2002, the amount of the pension is affected by the amount of insurance contributions paid by the employer. From this moment on, the concept of “insurance period” appears.
When calculating it, all periods of official work during which the Pension Fund received contributions from the employer are taken into account. Additionally, the so-called “non-insurance periods” are taken into account. This is the time when a citizen did not work due to certain circumstances:
- military service as a conscript soldier;
- maternity leave to care for a child from birth to one and a half years (no more than 6 years in total);
- caring for a disabled child, a citizen over 80 years of age or a disabled person of group 1;
- the time of serving the criminal sentence, if the person was subsequently rehabilitated;
- period of residence abroad if the spouse is a member of a diplomatic mission (no more than 5 years in total);
- time spent with a military spouse in an area where it is impossible to find employment in a specialty (maximum 5 years);
- receiving compulsory social insurance benefits during a period of temporary disability;
- time of receiving unemployment benefits;
- participation in paid public works.
The following periods are not taken into account when calculating the length of insurance that gives the right to receive additional payment:
- off-the-job training;
- caring for a child over 1.5 years old;
- lack of official employment without registration at the labor exchange;
- unofficial work activity.
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