Recalculation of pensions in August for working pensioners. How much will pensions for working pensioners increase from August 1, 2021?

New principles for calculating the minimum pension

Russian pensioners will have the opportunity to once again experience the care of the state. Especially for those who receive a social supplement and are looking forward to an increase in the cost of living of pensioners, on which this supplement depends. From 2021, it will be defined in a new way:

The federal cost of living for pensioners projected for 2021 will be multiplied by the ratio of the cost of living for pensioners of a particular region for the first and second quarters of the previous year.

As a result, in some regions (for example, in Tatarstan, Saratov and Penza regions), the cost of living for this category of citizens for 2021 turned out to be lower than what is currently established. The authorities decided not to reduce the “minimum wage” for residents of these regions, but simply leave it at the same level. They care and worry about the people.

However, the cost of living for pensioners in some regions will still rise, despite the fact that it was calculated according to the same procedure. So, in the Kirov region it will immediately rise by 37 rubles

No alternative "PEACE"

At the moment, citizens can receive pension payments on cards of other systems, although most pensioners already have a MIR card for these payments.

In June 2021, pensions will arrive on cards of foreign payment systems for the last time.

Naturally, no one has canceled the possibility of receiving payments through a bank cash desk or mail - these methods remain quite popular, and after this date they will be able to be used by those who do not want to receive a MIR card.

Changing the rules for deducting debts from pensions

In June 2021, amendments in the field of enforcement proceedings will come into force, which will affect pensioners. The changes are positive.

Article 101 of the Federal Law “On Enforcement Proceedings” contains a list of income that cannot be recovered. These include monthly cash payments, survivors' pensions, payments for caring for the disabled, etc.

Quite often, an unpleasant situation occurs when, as part of enforcement proceedings, these payments are mistakenly withheld from the account. Now, they will be accounted for by a special bank code, and the funds will not be taken into account when receiving a withholding request. Let's hope it works.

Indexing

On January 1, 2021, another indexation of insurance pensions will be carried out - this time by 6.6%. The exact amounts of indexation of monthly cash payments and social pensions are still unknown, and there is no point in voicing assumptions. Working pensioners will again be bypassed by indexation.

Formula for calculating insurance pension

The United Russia party sent a proposal to resume the annual indexation of pensions for working pensioners. It arose after a meeting between Russian President Vladimir Putin and the leaders of the State Duma factions, at which the head of the A Just Russia faction, Sergei Mironov, raised the topic of fair indexation of pensions. The head of state instructed the government to prepare proposals for resuming the indexation of pensions for working pensioners.

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Working pensioners have a chance to return indexation

moving to the northern regions, obtaining the necessary work experience (insurance) in these regions;

increase in the number of disabled dependents (no more than 3);

The category of recipients changes due to the loss of a breadwinner.

According to recently adopted amendments to the Constitution, pensions must be indexed annually. In fact, this norm has been working for more than one year - it just worked in “manual mode”. However, while mandatory indexation of pensions is not included in federal law, the same indexation procedure applies as before.

At the same time, officially, according to the Ministry of Labor and Social Protection, average pensions will increase by about 1,000 rubles - up to 17,432 rubles,

and each subsequent year they will grow by approximately 900 rubles (up to 18,357 rubles in 2022 and up to 19,283 rubles in 2023).

How will the pensions of working pensioners change in 2021?

insurance - they are received by those who have enough insurance experience and pension points to retire, and disabled people receive insurance pensions if they have at least one day of experience;
social - they are paid to those who did not accumulate enough experience and points to qualify for an insurance pension, and were forced to retire 5 years later;
state - they are received by certain categories of pensioners who have served the state;
military - they are received by former law enforcement officers who have sufficient length of service for this.

The only category of working pensioners who will definitely undergo indexation in the near future are recipients of old-age pensions, who will decide to end their working career in 2021. But there are nuances here - it all depends on the month in which the working pensioner terminates the employment contract.

Non-working pensioners have already begun to receive increased pensions from January 1, 2021 . An increase of 6.3% (which is higher than the inflation rate, which according to Rosstat last year was 4.9%) affected recipients of all types of insurance pensions - old age, disability and loss of a survivor. by 1,039 rubles in 2021 , according to the Pension Fund of Russia.

To whom and when will pensions be indexed in 2021?

According to Russian laws, including those adopted on the basis of amendments to the Constitution of the Russian Federation, in 2021 there will be a mandatory indexation of all types of payments that Russian pensioners receive. Indexation is provided for insurance, social, military and state pensions. Each category has its own indexation percentage and its own date when it will be carried out.

The size of such supplements depends on the number of dependents being cared for by the elderly person, and amounts to no more than a third of the fixed part of the pension. In other words, if in 2021 a pensioner is recognized as the guardian of one child, the additional payment to the pension will be almost 1,900 rubles per month, two children - less than 4 thousand rubles, and so on. However, such supplements are not indexed for working pensioners.

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Also today, retired guardians are offered to return the indexation of insurance pensions, although so far this bill, approved in the first reading, has not yet become law. If it is adopted, the first indexation of pensions for guardians could occur as early as July 1, 2021. For now, payments to caregivers are considered sources of income, therefore, older caregivers are treated like working pensioners.

August indexation occurs at a minimum

Of course, the missed indexation will be returned after the elderly person leaves work. But this does not console the pensioner, who needs to pay the growing costs of basic necessities now.

On August 1, 2020, there was another increase in pensions, but it did not affect everyone. According to the Pension Fund of the Russian Federation, the average size of the funded portion is 956 rubles. The increase was 9.13%. Because of this, the average amount increased to 1,043 rubles. This change affected about 80 thousand people. Starting from the same date, participants in the co-financing program will receive an increase. For them, the changes occurred by 7.99%.

What is pension recalculation in August for working pensioners?

First, you need to remember that the amount of any insurance pension is calculated based on accumulated pension points (individual coefficient). And even after her appointment, their number is not final. For a working pensioner, their number may be increased.

Since 2015, all insurance contributions from our wages are transferred into points and taken into account on an individual personal account.

Many continue to work after retirement. In this case, insurance premiums from their wages continue to go to the Pension Fund. They are converted into so-called points. To get them back as part of your pension, you do not need to write any applications. For this purpose, the Pension Fund of the Russian Federation will carry out an undeclared return of accumulated points annually in August for pensioners who continue to work.

Recalculation for pensioners in August (clause 3, part 1, article 18 of the Law “On Insurance Pensions”) is calculated based on unaccounted coefficients after the pension was assigned.

For example, recalculation in August 2021 for working pensioners will be calculated from unaccounted points for the period of work from January 1, 2021 to December 31, 2021. If he officially worked during the specified period, then an increase will be established for him from August 1.

By what percentage will the pensions of working pensioners increase in August 2021?

The amount of the increase is calculated individually for each specific case. It depends on the level of salary of a working pensioner in 2021, or more precisely on the amount of insurance premiums paid for him by the employer and accrued pension points.

No changes are expected in the rules for recalculation this year. Still, the maximum increase is limited to 3 pension points in cash equivalent. Since one pension point costs 98.86 rubles, the maximum pension increase from August 1, 2021 will be 296 (98.86 × 3) rubles. But this is only in theory. In fact, the additives will be lower.

The fact is that although the payment amount is calculated as the value of accumulated coefficients, the price of one such coefficient is “frozen” on the date of registration of the pension.

Example

If a citizen officially retired, for example, in 2021, but continues to work, then the recalculation in August 2021 will be made at the price of the 2016 pension point (RUB 74.27). That is, also without taking into account all indexations. As a result, for those who exceeded retirement age in 2016, the maximum increase will no longer be 296 rubles, but only 222 rubles.

Increase in pension for working pensioners in 2021

The draft law, which talked about indexing pension payments to pensioners who continue to work, was not approved in the State Duma. The reason for the deviation is the difficult economic condition of the country.

To improve the situation, insurance pensions of citizens of this category will be subject to adjustment. But this will only affect officially employed people for whom employers paid taxes.

Like last year, the pension will be increased by three points. Accordingly, the increase amount is 270 rubles.

Although this is not much, not all pensioners will receive the supplement, but only those who earn little. All questions on this topic will be resolved individually.

Since this cannot continue for long, the government has announced that the recalculation for pensioners who continue to work is planned to be returned at the beginning of next year.

Not long ago, the Ukrainian government introduced a tax on pensions if their amount is three times the minimum salary. After this, Russian pensioners became worried: would they also have to pay income tax?

No, the Russian government will not pass such a law, therefore pension payments (both funded and insurance), as before, are exempt from taxation. At the same time, the tax will not be levied on those funded pensions that are not in state pension funds.

But this applies to the compulsory insurance pension. If contributions are made by an employer who has entered into a pension agreement with personal income tax, then income tax will be deducted from him.

The pensioner himself can pay the tax. To do this, he needs to independently conclude an agreement with the NPS in relation to his family members.

From 2021, it was planned to index pensions every quarter. The first indexing was carried out on January 1, the next one in April. If no changes follow, pensions may increase by at least 10% during the current year alone.

The average pension currently is 15,000 rubles; thanks to indexation, the amount of payments will increase to 18,000.

Since indexation is not planned for working pensioners, their pension payments will not change. Accordingly, they will lose from one to two thousand rubles every month.

At first glance, the amount is insignificant, but over the course of a year the figure will be significant - from 12,000 to 24,000 rubles.

In January 2021, pensioners received the “13th pension”. The government called the payment a gift for the New Year holidays. In fact, this money is compensation for pension payments that were not indexed in the previous year.

Many working pensioners are interested in whether additional pensions will be paid this year? The issue of paying “13 pensions” to pensioners of all categories was decided by the State Duma, but the majority did not support this project. Accordingly, no additional payments will be made for 2021.

Which pensioners will have their pensions increased from August 1, 2021:

From August 1, 2021, 3 categories of pensioners will receive an increase in their pension. These are: 1. Working pensioners.
2. Recipients of funded pensions. 3. Participants in the pension savings co-financing program.
In order for the pension size for the above categories of recipients to be increased from August 1, 2021, no applications are required to be submitted to the Pension Fund; the recalculation will be done automatically.

Where should I go for recalculation?

There is no need to apply anywhere for this; the Pension Fund of the Russian Federation will do everything without a citizen’s application. The adjustment is non-declarative.

Changes in pensions for working pensioners from January 1, 2021

Working pensioners are interested in the issue of indexation of the pension they receive. Starting from 2021, the size of pension payments for this category of citizens will not increase. The government wants to eliminate this injustice. Therefore, in the expenditure part of the Russian budget for 2021, the Ministry of Finance has included funds to increase pensions for those who continue to work, but subject to certain conditions.

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What awaits working pensioners from January 1, 2021

The increase should apply to all types of pension contributions. This law should provide social guarantees that cannot be canceled. If the State Duma adopts amendments regarding indexation for working pensioners, then in 2021 we can expect the restoration of full compensation.

August is approaching, which means it’s time for working pensioners to receive an increase in their pension. The January indexation still does not affect them, but the August annual adjustment is exactly the case when official employment benefits the pensioner.

How can a working pensioner increase his or her own pension in 2021?

The answer to this question is simple - stop working. After dismissal, a pensioner who has moved into the “non-working” category begins to be paid a pension, taking into account all the indexations that took place while he continued to work. This means that payments should increase quite significantly.

Example

Let’s say that a pensioner, after the deadline for retirement, continued to work for three years. This means that when he stops working, his pension will be indexed with the total coefficient for all these three years.

You just need to compare what is more profitable: receiving an increased pension or a salary + pension without indexation.

By the way. If you then get a job again, the promotion will not be canceled. You will be able to receive both a salary and an indexed pension.

Regional additional payments and benefits for pensioners in Moscow

In 2021, Moscow authorities plan to increase the minimum pension to 19,500 rubles . But this applies only to “old-timers” who have been registered in Moscow for more than 10 years . The fact is that the metropolitan authorities determine the minimum calculation of pensions according to two standards - the minimum subsistence level for a pensioner (PMP), amounting to 12,578 rubles and, additionally, the city social standard, which gives a total of these same 19,500 rubles .

Living in Moscow for less than 10 years

But this category of elderly citizens is entitled to a pension calculated from the PMP, that is, 12,578 rubles . In any case, this amount is 35% higher than the Russian average.

Living in Moscow without registration

Citizens of retirement age living in Moscow with temporary registration can count on two options. The first is to receive pension payments at the rates of the region where he has permanent residence. The second - a citizen who wants to receive a capital pension must contact the Pension Fund at the place of registration, but he will only receive the same 12,578 rubles tied by law to the subsistence level. In addition to cash payments, Moscow pensioners can count on a number of federal and local benefits.

These include benefits for paying taxes (transport, land, property), free travel on public transport and, once a year, for a trip to a sanatorium, as prescribed by a doctor.

Elderly Muscovites do not pay for garbage collection; they are compensated for part of the payment for utilities and the use of a landline telephone. As for medical care, elderly people can receive it for free at home, and Moscow pensioners receive a significant discount on the purchase of expensive medicines.

The amount of pension indexation in 2021

The rules adopted since the beginning of 2021 apply only to those citizens of retirement age who are already unemployed and live on money paid by the state. They also apply to those who earn extra money by tutoring, renting out an apartment, selling vegetables from their garden, and in some other situations.

Indexation of pensions in 2021

Indexation of pension payments involves their regular increase by a certain percentage. The recalculation of pensions is based on the pensioner’s subsistence budget in the region of his residence. This indicator, in turn, changes under the influence of inflation. Indexation is carried out in order to protect older people, because the amount of payments guaranteed to them risks depreciating over the years. To prevent this from happening, the state strives to establish a percentage of pension indexation that would cover the inflation rate.

Article 101 of the Federal Law “On Enforcement Proceedings” contains a list of income that cannot be recovered. These include monthly cash payments, survivors' pensions, payments for caring for the disabled, etc.

Additional payment for working pensioners in Moscow

By law, working pensioners in Moscow can only count on a minimum pension. The state proceeds from the fact (whether we like it or not) that an elderly person provides himself with a living wage through his salary.

The gradation is the same: 12,578 rubles for those who did not reach the minimum of 10 years of permanent registration, and 19,500 rubles for indigenous residents of the city, but not for all, but for certain categories.

These categories include the following groups:

disabled people and WWII participants;
disabled people of groups I and II;
pensioners;
after 18 years of age due to the loss of a breadwinner while studying.

In addition, working pensioners employed in the social sphere (medicine, education, social protection), and group III disabled people working in special institutions where the work of people with disabilities, including those with hearing and vision, can apply for additional payment. wages do not exceed 20,000 rubles per month .

To apply for an additional payment, you need to submit a corresponding application to the Pension Fund and provide the necessary supporting documents.

Additional monthly payments for certain categories

In addition to the basic pension amount, the Moscow Government makes monthly payments from the city budget to certain categories of citizens.

These include citizens of the following social groups:

Participants of the Second World War.
Defenders of Moscow.
Test pilots.
Honored athletes and participants in the Olympic Games.
Honored and People's Cultural Workers of Russia.
Children whose parents died during terrorist attacks in the capital.

In monetary terms, the range is large, from 1,000 to 30,000 rubles , depending on the category of beneficiaries.

Billions lost by the Pension Fund

Before starting to index the pensions of Russians, the Accounts Chamber sent an expert team to monitor the work of the Pension Fund. During the audit, a large number of minor errors were revealed by the Pension Fund specialists. These shortcomings caused a number of Russian citizens to receive several billion rubles less.

The most common type of error was opening several retirement accounts for one person. There have also been precedents for awarding one SNILS number to several citizens.

Recalculation restrictions in August

Salaries, and therefore insurance premiums not taken into account after appointment, are different for all working pensioners. Therefore, the bonus in August will be individual.

But there are important restrictions introduced by part four of Article 18 of Law No. 400-FZ:

1. For “silent” pensioners who do not have a funded payment, the maximum such increase in August is limited to 3 points.

2. For those who create savings in non-state pension funds (NPFs) and management companies, the maximum increase in the month of August is limited to 1.875 points.

Due to the fact that since 2014, all our insurance premiums are transferred to the formation of insurance payments, regardless of the choice of NPF or Management Company, then for recalculation in August 2021 the maximum limit will be three points for everyone.

Where should I go for recalculation?

If a pensioner worked in 2021, and the employer paid contributions to the Pension Fund from his salary, then from August 2021 his pension will increase slightly. It will be recalculated upward, taking into account the amount of insurance contributions received. This applies to old-age or disability insurance pensions.

Who will have their pensions increased from August 1, 2021?

For a more complete understanding of the features of the calculation, it is worth looking at a specific example: how many pension points an elderly person is entitled to if he was officially employed throughout 2020, while his salary averaged 30 thousand rubles per month.

if a person reaches retirement age before 2021, then his score is estimated at 71.4 rubles;
those who received the right to retire during the period from April 1 to the end of 2021, but decided to continue working, are entitled to 78.6 rubles per point;
for persons who became age pensioners in 2021, accruals are made at the rate of 93 rubles per pension point.

What are the restrictions?

However, the August recalculation will be carried out in accordance with the adopted provisions. In this case, the new value of the pension point value will be used - 93 rubles. The maximum number of PB accepted for accounting will not change.

For example, recalculation in August 2021 for working pensioners will be calculated from unaccounted points for the period of work from January 1, 2018 to December 31, 2021. If he officially worked during the specified period, then an increase will be established for him from August 1.

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What is pension recalculation in August for working pensioners?

Anna Borisovna was granted an old-age insurance pension in 2014, but she continues to work to this day as a production manager. In 2021, her salary was 32,000 rubles per month. Step 1. Calculate the annual amount of insurance premiums for the year; A) The total annual salary is equal to 384,000 rubles (32,000 rubles * 12 months) B) The amount of insurance contributions for the year is equal to 61,440 rubles (384,000 rubles * 16%) Step 2. Convert the annual amount of insurance contributions to pension coefficients; Let's use the approved formula and the number of accumulated points for Anna Borisovna will be equal to 3.761 (61440/163360*10) Step 3. Find out the increase in rubles; Due to the fact that the maximum increase is limited to 3 points, when recalculating Anna Borisovna from August 2021, only 3 coefficients will be taken into account instead of the calculated 3,761 points. And since it is continuously working to this day, the amount of increased payments will be 214 rubles 23 kopecks (3 * 71 rubles 41 kopecks).

Even without indexation, the incomes of working pensioners grow annually due to rising wages. Here they refer to Rosstat data on annual wage growth at rates higher than inflation.
All missed indexation for the period of employment will be taken into account upon dismissal and determination of the final pension amount.

a number of bills were prepared and submitted for consideration

How much will the pensions of working pensioners be increased from August 1, 2021?

The increase has a limited maximum size, since no more than 3 pension points . To form three individual industrial complexes for the full year 2021, the salary must be 32,300 rubles. per month . If a pensioner has not worked for a full year, then 3 pension points can only be generated with a larger salary.
The cost of one IPC for a pensioner during recalculation is taken in the amount that was established on the date of registration of his pension. This condition applies due to the same notorious indexation freeze, which has been in effect since 2021.

To protect older citizens from inflation, a pension indexation mechanism has been implemented. Before the adoption of No. 49-FZ in 2021, the amount of payments was tied to the regional subsistence minimum (RPL): if a pensioner was paid a social supplement before the regional PMS, after indexation, the amount of the supplement was reduced and the amount of pension compensation remained unchanged. Currently, after indexation, social benefits will not decrease. For example: