A pension is a cash benefit paid monthly in the event of loss of ability to work, reaching retirement age, recognition of a citizen as disabled in one of three groups, loss of a breadwinner, and other situations described in the relevant federal laws. In connection with the pension reform, new rules for calculating benefits were introduced. To calculate the insurance period, they began to use pension points (PB), or, in other words, the individual pension coefficient (IPC). Pensions began to be calculated based on the points accumulated by citizens.
Accrual of pension points
The point system was introduced to simplify calculations. Used when calculating the insurance portion of the pension.
The calculation of PB depends on the following factors:
- Duration of insurance period. The longer deductions are made, the more points a citizen accumulates.
- Amount of income. The higher your income, the faster your points accumulate.
- Additional circumstances. Points are awarded when caring for children, disabled people, the elderly, as well as when serving under conscription in the RF Armed Forces.
Designed for fools: the Pension Fund of the Russian Federation is cheating old people out of points by assigning miserable pensions
Evgeniy Gontmakher , Doctor of Economic Sciences, member of the Committee of Civil Initiatives, in an interview with OTR, stated why the pension system in Russia is structured in such a way that a citizen under no circumstances would guess how much he should be paid during his “deserved rest.” This is why pension reforms are being carried out.
According to Gontmakher, the pension system is complex because it is based on points. Moreover, the point system, despite its external confusion, was introduced for the sole purpose of maintaining payments to current generations of pensioners at least in a nominal amount at the expense of future pensions of young and middle-aged workers.
The trick is simple: for these generations, full rubles are paid to the Pension Fund in the amount of 22% of the wage fund. This money is handed out to the elderly, and the pension rights of future pensioners take into account not the full amount of contributions paid, but certain points received using a special reduction coefficient established every year by the government.
The calculation here is “at random”: why should the state look 20-30 years ahead, when today’s youth will think about old age and realize that their pension rights are meager, and this whole pension reform is a complete deception? But now it is necessary at all costs to maintain the loyalty of the 43 million elderly electorate who were not included in the pension reform.
Right to old age insurance pension
An insurance type of pension upon reaching a certain age is a financial payment to compensate the insured person for wages or other deductions due to retirement. Paid monthly. The right to receive this pension belongs to:
- Persons who have reached the required age. From 2021, as part of the pension reform, the age of men (women) is gradually increasing to 65 (60) years. Certain categories of citizens have the right to receive early pensions.
- Insurance work experience – 10 years or more. From 2024 – 15 years or more.
- The minimum score is 16.2. From 2025 the minimum will be 30 points.
When will I be granted early retirement if I have two benefits?
Please explain how benefits for early retirement will be provided on two grounds? My example. Do I have the right to early retirement due to “northern” seniority (I work on a rotational basis)? In addition, I am the mother of four children. When can I retire early? Natalia Temerezanskaya, [email protected]
For workers in hazardous industries, the retirement age has not changed
When there are several reasons for early retirement, you can use any of them. For example, one that will allow you to assign a pension earlier. The first year in which mothers with four children will be able to take advantage of the new benefit for early retirement on grounds of large families (at the age of 56) will be 2021. Having “northern” experience allows a woman who has given birth to two or more children to retire at age 50. To do this, she must have at least 12 years of work in the Far North or 17 years in equivalent areas, as well as at least 20 years of insurance experience. This benefit is valid now and will remain in the future.
Calculation of pension points
PB is calculated annually by multiplying income by the percentage of contributions to the Pension Fund of Russia (PFR).
The calculation is made based on the following indicators:
- maximum salary for transferring insurance premiums;
- indexed cost of PB.
IMPORTANT!
Difficulties with calculations arise for citizens who worked in the 90s. If information about the enterprises has not been preserved and deductions have not been made, then the work book with a record serves as the evidence base. If there are no records, then the pensioner can only claim the minimum amount of pension payments.
For women on maternity leave and conscripted military personnel, the IPC size is fixed:
- if a woman is on maternity leave to care for a child up to 1.5 years old, and the baby is the first in the family, then 1.8 points are awarded for the full year;
- for a full year of caring for the second child in the family, 3.6 points are awarded (but only up to 1.5 years, no further points are awarded);
- during the period of caring for the third and subsequent children under 1.5 years old, 5.4 points per year are awarded;
- For conscripted military personnel, a coefficient of 1.8 points is applied for a full year of service.
Pension formula
The calculation is carried out according to the following principle:
- length of service with income conversion is considered;
- the resulting result is converted to PB;
- points are multiplied by their current value;
- a fixed pension amount is added to the result obtained;
- summed with the cumulative part.
IPC × AB + MPV + LF = RPV
- RPV – amount of pension payment;
- AB – current point value;
- LF – storage part;
- IPC – the number of all pension points;
- MPV – minimum pension payment.
How to convert pension points into pension amount?
To convert points into rubles, you need to multiply their total number by the average score. In the period until 2024, the average score is gradually increasing.
Premium odds
If you apply for old-age pension payments later, and not upon reaching retirement age, then the coefficients for increasing the IPC and the fixed payment are used in the calculation. Thus, the later the application, the higher the premium coefficient.
Pension point cost
In 2021, the cost of 1 point is 93 rubles. The size will increase in 2021. The cost of points and the minimum pension increase annually in proportion to the rate of inflation.
How to find out the number of pension points?
- Through the portal "State Services". To do this, you need to register on their official website and go to your “Personal Account”. In the menu you need to select “Service Catalog”, then go to the “Pensions, benefits and benefits” section, and then “All services”. In this section, select “Notice on the status of a personal account in the Pension Fund of the Russian Federation.” Next, you need to familiarize yourself with the information provided and click the “Get service” button. All your personal account information will be displayed on the page. The information received can be saved on your computer or sent to your email address.
- On the website of the Russian Pension Fund. Full information about length of service and PB can be found on the Pension Fund website. Before logging into your “Personal Account” on the website of the Russian Pension Fund, you must register on the State Services website. Next, on the fund’s website, you need to go to the “Personal Account” page and click “Login.” Then enter the details of your account created on the State Services resource (phone number, email address or SNILS and password) and click “Login”. On the page that opens, you can see the number of PBs and length of service.
- In the branch of the Pension Fund of Russia. To obtain data on labor activity and industrial safety, you can contact the Pension Fund of Russia division. To do this, you need to come to the branch, present documents (passport and SNILS) and write an application. An extract on the status of the pension account is issued on the day of application.
More about pension points
To understand what pension points are, it is enough to know the difference between accruing pensions before their implementation and with them. In the period before the implementation of the pension reform, it was enough for a citizen to have experience and salary. Pension benefits were calculated depending on the number of insurance contributions transferred by employers. This is how the accumulative pension capital (PC) was formed.
In 2015, due to the large number of “gray” earnings, the rules were made more stringent, and the PC was transformed into an IPC - a personalized pension indicator. And since 2015, pension provision has been calculated on the basis of a point system.
To assign a pension benefit, the following conditions must exist:
- The person has scored the required number of points.
- The person has reached the required age.
- There is a certain period of insurance experience.
If at least one of the listed conditions is absent, then the citizen is not granted a pension. Or he is entitled to receive a social pension benefit, which is assigned five years later.
Impact of points on the amount of pension benefits
The more points, the larger the pension - it was under this slogan that the pension reform was carried out. This means that the later a citizen applies for a pension, the more he will receive in the end. The dominant role is given to wages, because it is from this that the employer pays insurance contributions to the Pension Fund.
Do you want a pension of 20,000 rubles in the future? Find out how many years you need to work...
Number of points for pension
There are upper and lower bars regarding the number of points. The maximum annual score this year is 8.7 points. If a person has, for example, 9 or even 10 points, then the pension is still assigned based on the figure 8.7.
How to calculate your points? To do this, you need to multiply your average monthly earnings by the number of months in a year and divide by the salary in the country.
Harmful professions for receiving early retirement
There are a number of requirements that the preferential category of workers must meet:
- permanent residence in the Russian Federation;
- citizenship of the Russian Federation;
- the existence of a funded part of the pension;
- citizens must be insured by the Pension Fund.
At the legislative level, lists of professions are defined that grant the right to early receipt of a pension. The difference is characterized not by the list of specialties, but by working conditions.
“List No. 1” includes work activities with particularly dangerous conditions (high probability of causing harm to health). “List No. 2” includes professions considered dangerous and difficult (without the prefix “especially”). There are 24 industries in these lists in total. This list reflects only industries. But not all professions in various industries are preferential. For more detailed information, you should contact the branch of the Russian Pension Fund or study the information presented on the official website of the fund.
Professions from lists No. 1 and No. 2 have the following benefits:
First of all, early retirement. Persons working in hazardous industries are exposed to danger every day, so they are allowed early retirement. Citizens working in hazardous industries are provided with:
- the work week has been shortened. 36 working hours are divided into the same number of shifts;
- paid vacation in the amount of 28 days;
- additional salary allowances;
- the employee and his children are provided with vouchers for sanatorium and resort treatment;
- issuance of free tools, work clothes, detergents, etc.
The provision of a preferential pension is carried out as follows:
- “List No. 1”: Male and female citizens retire at the ages of 50 and 45, respectively. The total working life of men is 20 years, and in hazardous production 10 years. Women have a total work experience of 15 years, and 7.5 years in hazardous work.
- “List No. 2”: For male and female citizens, pensions begin at 55 and 50 years old, respectively. The men have a total of 25 years of experience, and 12.5 years in hazardous production. For women, they have 20 years of total experience and 10 years of experience in hazardous work.
Right to funded pension
A funded pension is created for persons who meet the following conditions:
- persons born no earlier than 1967;
- citizens had official wages between 2002 and 2013;
- people did not transfer all premiums (22%) to the insurance portion.
But savings can also be formed by:
- persons born in 1966 and older, with Russian citizenship, who voluntarily participated in the state program. co-financing;
- males born in 1953–1966 and females born in 1957–1966, in whose favor insurance premiums for the funded part of the pension were paid from 2002 to 2004;
- women who used financial resources from maternity capital for the future funded part of their pension.
Additional insurance premiums (ADI)
DSV are funds credited to the fund of the accumulative part of the pension. Paid as follows:
- by the insured person from his own funds or by his employer;
- by the employer in favor of the employee (at the request of the employee from the salary).
An employee, paying additional contributions on his own, must submit an application to the Pension Fund division for the voluntary payment of DSA to the funded part of the pension fund. Submitting an application in form DBS-1 is possible through the official resource of the Russian Pension Fund, through the multifunctional center (MFC), as well as through your employer. It is important to indicate the amount transferred to the Pension Fund on a monthly basis. If the employer has received the necessary application from the employee, then he must send it to the Pension Fund no later than 3 days later without fail.
Assignment of pensions based on length of service
Length of service is a period of work in specific areas that allows you to receive a separate type of pension payments. According to the law, the following have the right to receive such a pension:
- persons who served in the Russian army;
- astronauts;
- federal government employees;
- pilots and testers.
REFERENCE!
Regulation of pension payments is carried out by the Federal Law of December 15, 2001 No. 166 “On state pension provision in the Russian Federation”.
Civil servants have the opportunity to receive this type of pension payment. But this requires compliance with the conditions specified in the Federal Law of July 27, 2004 No. 79 “On the State Civil Service of the Russian Federation”:
- labor activity exceeding 15 years;
- perform the duties of civil servants for at least 12 months;
- have positive reasons for dismissal (end of service, etc.).
Defenders of the Motherland can count on pension payments for long service if:
- served in the army of Russia or CIS countries;
- served in the army of the countries of the former Soviet Union;
- length of service of more than 20 years or reaching retirement age - 45 years.
Space workers, pilots and testers can receive a long-service pension if they:
- are citizens of Russia;
- the work experience of men is over 25 years, women – over 20 years;
- the reason for dismissal is legitimate and positive.
The situation with working pensioners in 2021
From 2021, those citizens of the Russian Federation who decide to continue working after reaching retirement age can no longer count on indexation of payments.
This decision was approved by the Government in an effort to balance the budget of the Pension Fund of the Russian Federation.
As a result of such actions, the number of employed older people began to decline rapidly.
If in 2021, according to Rosstat, more than 15 million people belonged to this category, then in 2021 their number decreased to 9.88 million.
But still, this is about 20% of the total number of pensioners, which should allow us to judge significant savings in funds from the Pension Fund of the Russian Federation and, as a consequence, an increase in payments to non-working elderly people.
However, in practice, there was no improvement in the situation of pensioners. Moreover, despite the “freezing” of pension indexation, an additional legislative reform was carried out, as a result of which the age for retirement was raised.
And yet, for working pensioners, an event is provided in which the amount of payments due is recalculated.
Insurance pension paid for disability
Provided to persons who are unable to work due to serious injury or illness. This category of citizens belongs to the group of persons entitled to receive monetary compensation from the state. The main form of social assistance is a pension of a set amount, which is paid monthly.
The recalculation of all insurance pension payments in the country was carried out in 2015, with the entry into force of Federal Law No. 400. Now the size of the disability insurance pension depends on the following factors:
- The total amount of insurance or work experience. The labor is transferred to the insurance company using the coefficients established by law.
- The presence or absence of dependents for a disabled person.
- Amounts of contributions paid to the insurance fund of the compulsory pension insurance system.
- Degrees of disability.
All data influences the size of the insurance pension accrued to a person with a disability.
REFERENCE!
Citizens living in northern latitudes or having at least 15 years of northern work experience are entitled to increased pension payments.
Pension according to the degree of disability of citizens in the absence of dependents:
- Group I – 10,668.38 rubles;
- Group II – RUB 5,334.19;
- Group III – 2,667.10 rubles.
What are pension points
Pension points are a coefficient introduced for uniform (proportional) indexation of pensions.
Since it is not possible to predict the exact level of inflation in the future, the Pension Fund recalculates all pension contributions into points, and the Government regularly sets the value of a point taking into account inflation.
Thus, no matter how much prices rise in the future, an increase in the value of a pension point will equally (as a percentage) increase the individual pension amount of each citizen. And this pension size will depend on how many contributions the pensioner made during his working life.
Pension points are awarded for insurance premiums that employers pay to the Pension Fund for their employees. That is, only those citizens who work officially can be provided with pension points.
Pension point cost
From January 1, 2021, to calculate pensions, the state has set the cost of one pension point in the amount of 93.00 rubles.
The specified cost is indexed every year by a percentage equal to the indexation percentage of the insurance pension.
How many points do you need to receive an old-age insurance pension?
To receive an old-age insurance pension in 2021, you must score at least 18.6 points. Every year this figure will increase and by 2025 it will be equal to 30 points without further increase. This rule also applies to early old-age insurance pensions.
| Year | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Number of points | 11,4 | 13,8 | 16,2 | 18,6 | 21 | 23,4 | 25,8 | 28,2 | 30 |
It is important to know! If the number of pension points is not enough, you will be DENIED from receiving an old-age insurance pension.
How to find out the number of accumulated points
The easiest way to find out how many pension points you have is to look at your personal account statement, which you can request at an appointment with the pension fund or on the State Services portal.
You can also find out the insurance period and the amount of pension savings from the statement.
It should be taken into account that the specified data was not available in the compulsory pension insurance system before 2000, so they are not reflected in the statement.
In addition, you can independently calculate the number of pension points you have accumulated.
Calculation of pension points earned before 2015
Pensioners who are retiring today should be aware that length of service and salary earned before the 2015 pension law reform are also translated into pension points. The law establishes that all rights earned before 2015 are calculated in accordance with the old legislation and are converted into points when assigning a pension.
Calculation of pension points until 2015, formula
PB = MF ÷ SB
PB - Pension points until 2015
SCH - the amount of the insurance pension assigned as of January 1, 2015. It is calculated as the result of dividing the pension capital by the established expected payment period (228 months);
SB - the cost of a pension point as of January 1, 2015 - 64.1 rubles. (at the time of conversion).
Calculation of points earned from 2015 to 2021.
To calculate the number of pension points accumulated per year, you need to know the amount of insurance contributions that your employer paid for you to the Pension Fund at the rate established by the state.
There are 2 options for the established tariff:
- Option 1 - from 16% of the insurance contributions transferred by the employer, only the insurance pension is formed
- Option 2 - of the 16% of insurance contributions transferred by the employer, 10% is used to form an insurance pension, 6% to form a funded pension.
Calculation of the number of pension points, formula
PB = SV ÷ MV ×10
SV - paid insurance premiums at the state rate
MV – maximum contributory salary paid by the employer at a rate of 16% (set annually by the state)
Maximum annual salary for calculating pension points
| Year | 2015 | 2016 | 2017 | 2018 |
| Wage | 711,000 rub. | 796,000 rub. | 876,000 rub. | 815,000 rub. |
In 2021, the rule applies: when forming only an insurance pension, you can score a maximum of 9.57 points. Therefore, even if the annual salary is 1,000,000 rubles, in accordance with the rules, you cannot earn more than 9.57 points.
Read more about limiting the maximum number of points in different periods below.
Calculation of the number of pension points, example:
Let's give an example of calculating the number of pension points for 2021 with a tariff of 16% , aimed entirely at the formation of an insurance pension.
With a monthly salary of 30,000 rubles. The employee’s salary for the year will accordingly be 360,000 rubles .
The amount of insurance premiums paid from the annual salary is 360,000 rubles. at a 16% tariff it will be 57,600 rubles.
We divide this value by the amount of insurance premiums from the maximum contributory salary paid by the employer at a rate of 16% (in 2021 it is 876,000 rubles )
57,600 ÷ (876,000 × 16%) = 0.41 rub.
And multiply by 10.
0,41 × 10 = 4,1
Thus, the number of points for 2021 with a salary of 30,000 rubles. per month – 4.1 points .
Early retirement for medical workers
For healthcare workers (doctors, nurses, paramedics and others) in the Russian Federation, preferential conditions for retirement are provided - based on length of service, i.e., subject to the presence of medical work experience of the required duration.
Premature registration of pension payments for medical workers does not directly depend on age and total insurance experience, since this right is based on the length of service provided for by law.
In connection with the reform, early pensions for healthcare personnel have not been abolished, but a new aspect in acquiring pension status is proposed - a deferment for several years before registration of pension payments. Upon completion of the reform (starting from 2023), workers can become pensioners only 5 years after acquiring the required length of service.
Pension points
So, a pension point is a unit, measured conventionally in a numerical way, accrued for the accumulated term each year and depending on the earnings received. It is also called the personal pension ratio. It was first introduced by the reforms of 2013-2015. and is reflected in the Federal Law dated December 28, 2013 No. 400-FZ and Federal Law dated December 28, 2013 No. 424-FZ.
The minimum size of this number in 2015 was initially 6.6 points and is growing by 2.4 points every year. up to 30 b. ultimately:
| Year | Points |
| 2015 | 6,6 |
| 2016 | 9 |
| 2017 | 11,4 |
| 2018 | 13,8 |
| 2019 | 16,2 |
| 2020 | 18,6 |
| 2021 | 21 |
| 2022 | 23,4 |
| 2023 | 25,8 |
| 2024 | 28,2 |
| 2025 | 30 |
In 2021, the smallest figure for applying for a pension is 16.2 bps. If a person has reached the age to receive this benefit, and the points have not been collected to the minimum value, it is necessary to work up to the required number, and only then retire. In addition to the modified coefficient, the citizen will receive additional points for later refusal to work. The increase only applies to those who stop working:
| Additional work time after the established retirement period | Point increase factor | Single benefit increase coefficient |
| Less than a year | 1 | — |
| 2 years | 1,07 | 1,056 |
| 3 years | 1,15 | 1,12 |
| 4 years | 1,24 | 1,19 |
| 5 years | 1,34 | 1,27 |
| 6 years | 1,45 | 1,36 |
| 10 l. | 2,32 | 2,11 |
After 10 l. After reaching the required age, the amount of points and payments will increase by almost 2.5 times.
A working pensioner is entitled to social compensation
However, with the new calculation of compensation for working citizens of retirement age with the distribution of interest on insurance and funded subsidies, the maximum coefficient is 1.875, and for those who have only the insurance part - no more than 3.
In addition, if there is a lack of personal coefficient, you can choose social compensation, but to obtain it you will need to wait another 5 years after reaching the age of labor payment.
In addition to the minimum amount of points, the maximum coefficient limit for 1 year is also established:
| Year | Maximum score for people who have only received an insurance subsidy | Max.point for persons with insurance and savings benefits |
| 2015 | 7,39 | 4,62 |
| 2016 | 7,83 | 4,89 |
| 2017 | 8,26 | 5,16 |
| 2018 | 8,7 | 5,43 |
| 2019 | 9,13 | 5,71 |
| 2020 | 9,57 | 5,98 |
| 2021 and following years | 10 | 6,25 |
The personal pension coefficient is calculated:
- insured employees;
Personal pension coefficient is calculated for insured persons
- unemployed people performing important roles, but at the same time having work experience.
For the latter, points are assigned as follows:
| Point | Function |
| 1.8 b. | Caring for 1 child up to 1.5 years old. (but in total not exceeding 6 years for all children) |
| 3.6 b. | For the 2nd child |
| 5.4 b. | For the 3rd or 4th child |
| 1.8 b. for each year: | Caring for a relative with a 1st degree disability, a child who has received a disability, or a relative over 80 years of age. |
| Military service | |
| Accommodation for the wife/husband of diplomats (up to 5 years) | |
| Accommodation for the wife/husband after the spouse moves to an area where it is impossible to carry out work activities there (up to 5 years) |
Each year, 1 pension point has its own price:
| Year | Price |
| 2015 | 64.10 rub. |
| 2016 | RUB 74.27 |
| 2017 | RUB 78.58 |
| 2018 | RUB 81.49 |
| 2019 | 87.24 rub. |
| 2020 | 93 rub. |
| 2021 | 98.86 rub. |
| 2022 | 104.69 rub. |
| 2023 | 110.55 rub. |
| 2024 | RUB 116.63 |
Calculation of points until 2002
It is possible that the employee’s length of service begins before 2002. The conversion of pension rights for people who are already receiving payments in accordance with the required age was carried out automatically on the basis of documents held by the Pension Fund. Under other conditions, i.e. when an employee is just preparing to retire, it is necessary to confirm the work experience accumulated before 2002 by submitting to the Pension Fund a work book or a certificate from the employing institution, as well as a document on the amount of earnings. The payment amount was calculated based on the average two-year earnings or 5 consecutive years. To convert pension experience before 2002 into capital, as was customary in 2002, and then into pension points, you must first determine the salary coefficient for the selected years. It cannot exceed the maximum set value - 1.2.
If an employee is just preparing to retire, it is necessary to confirm the work experience accumulated before 2002
Example: Zvyagin K.L. earned in 1986-1990. on average 220 rubles. The average salary then was 244 rubles. This means that his salary coefficient is 220 rubles. / 240 rub. = 0.9.
Next, you need to find out the length of service coefficient, which is equal to 0.55 with the shortest accumulated period of 25 years (men), 20 years (women) and increases by adding 0.01 for another year (but cannot exceed 0.2).
Example: Zvyagin’s experience is 27 years, therefore, his experience coefficient will be 0.57. After this, you can calculate the amount of labor benefits using the formula:
TP = KZ * KS * 1671 rubles, where TP is the labor pension, KZ is the salary coefficient, KS is the experience coefficient, 1671 rubles. – average earnings established in the Russian Federation for the 3rd quarter of 2001. If the calculated number exceeds 660 rubles, you need to reduce it by 450 rubles. – the basic amount of labor benefits until 2002.
Example: Let’s calculate Zvyagin’s retirement pension from the available data:
TP = 0.9 * 0.57 * 1671 rub. = 857.22 rub. – the amount received is more than 660 rubles.
RUR 857.22 – 450 rub. = 407.22 rub.
To convert this into pension capital, you need to index the number by 10% and for every 12 months of service before 1991 by another 1%. To convert to pension points accepted since 2015, you need to multiply the result by the indexation number from 2002-2015 - 5.6148, and then divide by the cost of 1 point in 2015 - 64.10 rubles.
Minimum requirements for calculating point growth
Example: As already mentioned, Zvyagin’s experience is 27 years, therefore, his coefficient is 27%.
RUR 407.22 * 0.27 = 110 rub.
RUR 407.22 + 110 rub. = 517.22 rub.
RUB 517.22 * 5.6148 = 2904.08 rub.
2904.08 rub. / 64.10 rub. = 45.3 – Zvyagin’s pension points.
The size of your future pension can be increased
Since 2015, there has been a new pension formula in the Russian Federation, according to which pension payments are calculated for all citizens. The system is designed in such a way that receiving minimum or maximum payments depends directly on the person himself.
For the maximum payment amount, you need to:
- be officially employed;
- have an official income;
- have extensive work experience;
- constantly monitor the state of your pension account;
- participate in voluntary pension programs.
Where to apply for a pension?
Pension Fund divisions are responsible for processing pension payments. According to paragraph 2 of Art. 21 Federal Law No. 400, the applicant for payment has the right to send the necessary package of documents to the fund department at the place of permanent or temporary registration.
You can apply for payment:
- at the place of work, having given the employer prior consent to transfer documents;
- at the MFC branch, if it has established electronic interaction with the Pension Fund;
- by sending documents by mail with acknowledgment of delivery and a list of attachments;
- remotely on the websites www.pfrf.ru and www.gosuslugi.ru.
ATTENTION!
A citizen begins to receive pension payments from the moment he submits his application. It is important to write your application before retirement age.
In order to retire calmly and receive decent payments, citizens need to take care of this in advance. It must be remembered that the size of pension payments is influenced by many factors that must be adhered to and constantly monitor your pension account.
