How much will your pension increase in 2019: for some 1000, for others zero

Pension formula

The old-age insurance pension is calculated using the formula:
Insurance pension = the sum of your pension points * the value of the pension point on the date of pension + fixed payment

or SP = IPC * SIPC + FV

From January 1, 2021, the cost of a pension point will be 87.24 rubles, and the fixed payment will be 5334.19 rubles.

Thus, in 2021, the pension calculation formula will look like this:

SP=IPK * 87.24 + 5334.19

Which categories of pensioners received a pension?

Indexation of pension payments is an annual increase that is comparable to or higher than the inflation rate. The time and magnitude of the increase differs for different types of pensions: for example, in 2021, insurance pensions will be increased on January 1, and social pensions will be increased on April 1. A separate increase is expected to be paid to the military; this is planned to be done on October 1.

The most massive increase in pension payments in 2021 will be the January indexation of pensions by 7.05%.

The average increase will be 1000 rubles. This procedure is designed only for non-working pensioners who are assigned insurance-type insurance for old age, disability or loss of a breadwinner. For those who are assigned a different pension, the increase will be different (for example, social pensions will rise by 2.4%, and payments to military personnel - by 6.3%).

Increase 1000

Simultaneously with raising the retirement age, the authorities announced an increase in pensions.
A monthly increase of 1 thousand rubles was reported. Some pensioners decided that each of them would receive this treasured thousand. However, it is not.

For each pensioner, the increase in pension will be individual, depending on the size of the pension. The higher the pension rights acquired from a citizen during his working life (length of service, earnings, insurance contributions, number of pension coefficients), the larger the size of the insurance pension and, therefore, the amount of increase to it after indexation, explains the Pension Fund.

If we proceed from the average size of the insurance pension for non-working pensioners in Russia in 2021 (14.4 thousand rubles), then the increase as a result of indexation in 2021 will average about 1 thousand rubles per month, or about 12 thousand rubles per year .

Why the increase in pensions from January 1 may be less than 1000 rubles

The thousand-ruble increase was calculated based on the average amount of insurance pension payments in 2021 - 14,414 rubles. If they are indexed by 7.05%, the increase will be about a thousand rubles. The increase in the pension amount for each specific case may be higher or lower than the specified value, and is determined by the current amount of security:

• For 12,000 rubles, the increase in pension will be 846 rubles.
• For 13,000 rub. – 916.5 rub.
• For 14,000 rub. – 987 rub.
• For 15,000 rub. – 1057.5 rub.
• For 20,000 rub. – 1410 rub.
• For 25,000 rub. – 1762 rub.

A thousand-ruble increase will total increase pension payments for the year by 12,000 rubles compared to the previous year.

The rate of 7.05% with which labor pensions are increased is almost twice as high as the inflation forecast of 3-4%. The government explains the high size of the increase by optimizing Pension Fund expenses due to the fact that the retirement age in Russia is increasing.

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At the same time, according to the Russian Ministry of Finance, due to the increase in VAT from 18% to 20%, inflation may reach 4.5%. In relation to a 7.05 percent increase in the average pension by one thousand rubles means that:

• RUB 644.81 will compensate for price increases due to inflation;
• RUB 355.19 (2.5%) will be the real amount of the additional increase.

A separate case of increased payments is an increased old-age pension. It is determined when the recipient reaches 80 years of age. In this case, the pensioner is assigned an age-related increase in the basic part in the amount of 100% of the available amount of security (that is, the amount of the fixed payment is doubled).

Indexation of social payments

The recalculation of state benefits of this type in 2021 will occur on February 1 by 3.1%. Such subsidies include:

• Set of social services (NSS). It includes the provision of sanatorium-resort treatment and medications. The benefit has the same amount for all categories of pensioners - 1075.19 rubles. for 2019, and 1108.60 after the increase. NSO can be capitalized and received as a cash equivalent.
• Monthly cash payment (MCV). Assigned to pensioners of preferential categories (persons with disabilities, liquidators of man-made disasters, etc.). Varies in size depending on the type of payment. Thus, combat veterans are entitled to 2850.26 rubles in 2019. After indexation by 3.1%, the amount of security will be 2947.17 rubles (this is with capitalization of the NSO, but if the social package is obtained in the form of services, then the EDV is equal to 2947.17 - 1108.60 rubles = 1838.57 rubles).
• Funeral benefit. It is paid from the Pension Fund budget to the person who incurred the costs of the funeral of the pensioner - this can be not only relatives, but also friends, neighbors, and work colleagues. In 2021, this subsidy amounted to 5,701.31 rubles; after the February indexation of 2021, its size will become 5,878.05 rubles.

Increase in pensions for civil servants

For government employees who have retired due to length of service, pension indexation in 2021 will occur on April 1. It will be increased by 2.4%. In order for the increase to be equal to 1,000 rubles, it is necessary to have current payments of at least 41,666.66 rubles, therefore, for most civil servants on well-deserved retirement, the increase will be less.

Amount of social pension in 2021

The period and amount of indexation of pensions of this type coincides with the increase in payments to civil servants and is carried out in a similar amount (that is, on April 1 by 2.4%). These payments are provided to persons who are not entitled to other types of security. Social pensions are:

• Due to disability. Prescribed to persons with diagnosed disabilities who do not have insurance coverage.
• For the loss of a breadwinner. Paid to minor children (and other disabled relatives) of the deceased person, in the absence of his insurance experience.
• Due to old age. This requires reaching retirement age. The first stage of its increase will begin in 2021, so the increase on January 1, 2019 will be given to persons whose retirement was in the same order: 55 years for women and 60 for men.

The last category includes citizens who have reached the established age, but have not accumulated the required work experience and have not accumulated the required number of pension points.

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The pension for such persons before the April increase in 2021 will be 5,180.24 rubles, after - 5,304.57 rubles.

Regardless of the type of pension payments, the recipient is given a special bonus. It is prescribed if the amount of security is less than the pensioner’s subsistence level (PLS). This value can be considered analogous to the minimum pension; it is set at the regional level and varies depending on the recipient’s place of residence:

• In 2021, the cost of living for a Muscovite pensioner is 11,816 rubles, in 2021 it will be increased by 2.53% and will be 12,115 rubles.
• In the Moscow region there will be a 4% increase in these payments from 9,524 rubles. up to 9,908 rub.
• In St. Petersburg and the Leningrad region - from 8,726 rubles. up to 8,846 rub. (growth by 1.4%).

To calculate the total amount of security for a particular person, the following income options are taken into account:

• All types of pension payments assigned to a given person.
• The financial equivalent of a set of social services.
• Monthly cash payment.
• Other additional financial support.
• Any options for social assistance.

If the sum of all these indicators is less than the regional value of PMP, then the pensioner has the right to a social increase. For example, if after indexation in 2021 the amount of payments from a Moscow pensioner is 10,000 rubles, then he is entitled to an additional payment to his pension up to the size of the PMP - 2,115 rubles.

Increase 0

Meanwhile, the Pension Fund of Russia did not take into account some nuances in its table.
The fact is that in Russia, non-working pensioners cannot receive a pension below the subsistence level (PMP). Accordingly, those who have it too low receive a social supplement (FSD or RSD). For such pensioners, indexation may not lead to an increase in the amount previously received, since the social supplement to the pension is not subject to indexation along with the pension.

For example, if a region has established a PMP in the amount of 8,400 for both 2018 and 2021, then pensioners whose pensions are 6,000 and 7,000 rubles (the first two examples from the Pension Fund table) will not receive any increase in 2021.

Increase in pension amount by 423 rubles. and 493.50 rub. accordingly, this is a purely virtual amount that pensioners will not receive in their hands. Having a pension of 6 thousand and 7 thousand rubles, they received 8,400 rubles in 2021. and they will continue to receive the same amount in 2019.

Increase in pension by 1000 rubles

Not long ago, the Government decided to find a new approach that concerns pensioners. Global changes were introduced here, which affected both the age mark and payments.

Due to the recent increase in the age limit for pensioners, the Government has decided to make concessions. And starting this year, a gradual increase in payments is planned for this category of citizens. The size of the future additional payment will be about 1000 rubles.

This will increase the income of the population due to the fact that the payment will exceed the inflation rate several times. The reform was adopted for the first time and should have a positive effect.

This will ensure financial stability for pensioners until 2024. This regulation is regulated by decree number 204 of May 7, 2021.

Important! It is immediately worth noting the fact that 1000 rubles is the initial value. It will change depending on the level of inflation and the average pension size.

Today it amounts to 14,414 rubles. And the amount of the constant additional payment directly depends on the receipt of funds. But the national average will be 1,000 rubles.

Such a reform is often called indexation today. And if we talk about this concept, then it took place at the beginning of February every year.

The difference between the two concepts is only in the amount of payments. If in previous periods the guideline for assigning a particular amount was only the inflation rate, then today the pension will be untied from this value. The approximate amount was accepted at 1000 rubles. And this is not surprising.

Every year inflation was approximately 500 rubles. That's how much the pension increased. Today, an increase of almost 2 times is envisaged. Thanks to this, a pensioner can now receive an additional payment of 12,000 rubles every year.

Moreover, such a program has been developed until 2024. If you calculate the increase, it will be 6,000 rubles. And pensioners with average payments of 14,000 rubles can count on 20,000 rubles.

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For those who are entitled to a lump sum payment from the funded part of the pension, read the link:

But one more deviation from the introduced standard should be noted. This type of stable increase will be relevant only for those pensioners who do not work. The second category of citizens, who continue their working activities, face indexation after dismissal.

Pensioners do not receive additional payment while they work. But for them there is also a decree that when retiring, all missed indexations are taken into account when calculating the final amount.

It should be noted that the increase per year will be from 14,000 to 15,000 rubles. This mark is slightly higher than 7% for non-working pensioners. But for the year the amount will be 12,000 rubles. This introduction is valid once a year.

The amount of the increased pension will remain the same throughout the entire calendar period, and with the onset of the next one it will increase by another 1,000 rubles. Thus, for the entire duration of the reform, namely 6 years, pensions will increase at the initial calculation by 6,000 rubles.

The normative act on increasing pensions also includes increase indices. They are scheduled for the next 6 years and look like this.

It is in this case that we can say that you will not see a fixed cost. Everything will be accrued only after a preliminary recalculation to the current amount of pension payment.

In all cases, this excludes the possibility of identical additional payments for citizens with different work experience. If a person is paid a pension in the amount of 12,500 rubles, then it will increase by 881 rubles. If a person receives a payment of 10,000 rubles, then the additional payment will be 705 rubles.

The higher the current pension payment mark, the higher the future increase will be. All innovations will occur only according to the indexation regime, but not in the form of an increase in the established amount.