Living wage for a pensioner in the Stavropol Territory

Average age pension in the Russian Federation for 2021 and the first half of 2019

The Pension Fund of the Russian Federation at the end of 2021 - beginning of 2021 informed that the average old-age pension in the country is at the level of 14.1 thousand rubles. This is in comparison with the level of salaries paid to Russians, which is about 40% of average earnings. At the same time, the social pension is much smaller, on average it is 9 thousand rubles.

According to the figures provided by the government, the rate of increase in pension provision for citizens exceeds the inflation rate by 2 times. So, in 2021 it was held twice in February and April.

According to the developed plan, by 2024 the insurance pension (SP) will reach 20 thousand rubles. In 2021, the old-age pension was increased by more than 7%, and the level of payment increased by an average of one thousand rubles - in total, the average insurance payment is about 15.1 thousand rubles.

Average and minimum payout values

The minimum pension in the Stavropol Territory is calculated based on the general standard of living in the region.
Similar practices are applied in other areas, so the size of pension benefits in the country does not have a fixed rate. In 2021, the defining values ​​in the Stavropol Territory were the following values:

• minimum wage - 11,280 rubles;
• subsistence minimum per capita - 9,521 rubles;
• subsistence minimum for the working population - 10,276 rubles;
• living wage for pensioners - 7,893 rubles;
• minimum pension provision - 9,236 rubles;
• The average pension in the region is 13,553 rubles.

The cost of a pension point is 87.24 rubles.

Minimum size

There is no fixed concept of minimum pension in the legislation of the Russian Federation. The main condition when calculating the payment is that it should not be less than the minimum subsistence level for a pensioner accepted in a given region. If the accrued amount does not reach this amount, then local authorities seek funds to bring it to the level accepted in a given subject of the federation.

The social supplement is issued upon a written application from the pensioner to the Pension Fund, with supporting documents, about the discrepancy between the payment amount and the established minimum subsistence level for the pensioner. If a pensioner continues or resumes working, he cannot claim this social benefit. The increase in state payments by age is affected by:

1. When a citizen reaches 80 years of age, the state introduces additional subsidies.
2. Disabled dependents remain in the care of the pensioner: parents, children, grandchildren, adopted children.
3. State indexations were adopted by the amount of inflation or another coefficient approved by the government.
4. The pensioner begins again or continues to engage in official work.

When entering an insurance pension in the second half of 2021, you must work for at least 10 years and accumulate 16.2 points. And by 2022, these data will change to 15 years and 30 points. For civil servants the numbers are different:

If the citizen’s conditions are not met, then the insurance portion will not be assigned to him. The pensioner will receive social benefits from the state.

Table: Cost of living for a pensioner in 2021

• In those regions where the PMP for 2021 is more than 10,022 rubles, low-income pensioners will be paid a regional social supplement. This applies to citizens living in the Moscow region, Khabarovsk and Kamchatka territories, Yamalo-Nenets Autonomous Okrug, and so on.
• In those regions where the cost of living for a pensioner in 2021 is less than 10,022 rubles, low-income pensioners will be assigned a federal social benefit. This applies to regions such as Novosibirsk, Kurgan, Belgorod regions, Krasnodar Territory, Sevastopol, Crimea and so on.

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When submitting an application you must have with you:

It is worth noting that in some regions of the Russian Federation the amount of PMP for 2021 has not yet been approved. In the table opposite such regions there is a dash “-”. The table will be supplemented as regulations are approved by local authorities.

One of the defining indicators of the development of our country is the cost of living, which reflects the actual social and financial situation of citizens of the Russian Federation. The calculation of the monthly minimum is regulated by Federal Law 134 No. “On the subsistence minimum in the Russian Federation.” According to the adopted legislation, each category of citizens has its own subsistence level calculated.

At the second stage, the calculation is performed for each specific family. To do this, determine which social category each family member belongs to, and the number of people in each group (children, non-working pensioners, adult able-bodied citizens), apply the PM indicator for the region, and perform the calculation using the following formula:

At the first stage, the national PM is calculated by dividing the sum of the consumer basket by 12 and multiplying the resulting number by the weighted average cost of goods and services, which are added up at the end.

A minimum pension at the PMP level is usually the case for those who have just reached retirement age and who have received a small pension. They were given an additional payment, and they will only be able to go beyond the PMP after the next indexation.

Now everything is a little more complicated, but in favor of pensioners. The amount of their additional payment is fixed, and during annual indexations the main part of the pension is increased by a percentage common to all. As a result, recipients of social supplements from the same region today receive slightly different pension amounts.

Minimum pension in Russian regions from January 1, 2021

The Russian Pension Fund publishes a complete table of the cost of living for a pensioner in all regions of the country. This time, such publication was noticeably delayed for unknown reasons - the regions installed PMP at the end of last year. Fortunately, at least in February, the combined data appeared.

The minimum pension in Russia in 2021 is 11.28 thousand rubles. It is usually affected by the cost of living. These two indicators are equal, since for all non-working older people the total amount of financial security does not reach the PMI. In the constituent entities of the Russian Federation, federal and regional social financial assistance is taken into account.

Maximum size

What maximum age pension will be accrued to each citizen of the Russian Federation depends on the following circumstances:

• number of complete years as of the date of issue;
• total work experience;
• the presence of a regional component when living or working in difficult climatic conditions, for example, in the Far North or equivalent regions;
• salary received over the years of work;
• pension contributions made;
• how many years the citizen worked while at retirement age.

If a pensioner who was supposed to go on vacation at the age of 65 or 60 continues to work, then the amount of the payment will increase taking into account the following coefficients:

It turns out that the longer a citizen continues his work activity after the official retirement age, the more he will receive from the state when he stops working.

Benefits and allowances

Pensioners belong to a socially vulnerable category, so the state has provided not only the payment of pensions, but also other support measures. These include:

1. Exemption from property tax for one property.
2. The right to a tax deduction when purchasing housing. If a pensioner works, then he has the right to submit an application to the tax authority for a refund of the amounts paid to the budget for the previous 4 years.
3. Exemption from paying land tax in the amount of up to 10 thousand rubles.
4. If you have a prescription from your doctor, a disabled person's benefit card or a pension card, you can buy medications at half the cost.
5. Preferential travel on public transport, if provided by local or regional authorities.
6. Compensation or benefits for utility bills. In some regions, pensioners receive a refund when paying for housing and communal services, in others it is necessary to prove that the pensioner is living alone or his financial capabilities classify him as a low-income citizen.

Some benefits are provided to pensioners automatically; to receive others, you must contact the tax authorities, MFC or housing and communal services representative offices.

Pensions in a new way: social and insurance

Since 2015, it has become increasingly important for Russian citizens to receive official wages, from which the employer makes contributions to all funds, primarily to the Pension Fund. The cumulative part of future payments upon reaching retirement age depends on this.

For those who are not retiring soon, it is important to understand which additional periods will be included in the length of service and which the Pension Fund will not count. This will include: periods of annual paid leave, sick leave, maternity leave until the child reaches 18 months, military service and other periods when contributions to the Pension Fund were made. Studying at a university is not included in the insurance period, as is the period of child care from 18 to 36 months, as well as time off, leaves without pay and periods of being unemployed, without official confirmation of the status of unemployed in the employment service.

When a citizen retires, the points he accumulated during his work are recalculated at the rate established by the state at that time. In 2021, a point costs 87.24 rubles; by 2023, the amount will increase and amount to 116.63 rubles.

To establish a social pension, when there is not enough length of service and points for insurance, a citizen will have to wait until the following age:

• 65 years for women;
• 70 years for men.

But such a transition is not envisaged immediately; in 2021, a social pension will be assigned to men aged 66 and women aged 61. And by 2023, the figures established by law will be achieved.

To receive a pension social benefit, a foreigner must have lived in the Russian Federation for 15 years and reached the age prescribed by legislators.

The size of the social pension in 2021, taking into account indexation, varies from 7.8 thousand rubles. in the Tambov region up to 19 thousand residents of Chukotka.

If a citizen has not accumulated points and experience, but his health does not allow him to work, then he has the right to apply for a disability pension. Single pensioners and disabled people who cannot care for themselves and have no one to look after them can arrange their own stay in nursing homes, and their pension will be spent on accommodation, food and care.

Recipients of social pensions should take into account that in the case of official employment, the state cancels the payment of preferential benefits to them. But this state of affairs will allow the pensioner to accumulate the points and length of service that are missing for calculating the insurance pension.

For pensioners who prefer not to depend on home delivery providers, it is more convenient to receive their government payments on a card. To do this, just select a suitable banking product, take the card account number and take it to the Pension Fund, where transfers will be made. Banks offer many loyalty programs for senior citizens through debit and credit cards.

Those who fly will be interested in cards with miles, or if they want to purchase goods in installments, installment cards are suitable.

about the author

Klavdiya Treskova - higher education with qualification “Economist”, with specializations “Economics and Management” and “Computer Technologies” at PSU. She worked in a bank in positions from operator to acting. Head of the Department for servicing private and corporate clients. Every year she successfully passed certifications, education and training in banking services. Total work experience in the bank is more than 15 years. [email protected]

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Minimum pension in Russia by region in 2021: table

Payments to pensioners are assigned for life or for a short period. The capital's pension is awarded to citizens with disabilities, incapacitated people, working pensioners with Moscow registration.

Now this amount fluctuates depending on the cost of living; for citizens without registration it will be lower than for registered residents. Taking into account the fact that prices are continuously rising, in 2021 the pension will increase by 7%. If the accrued payment is below the acceptable level, the pensioner can solve this problem through the social security authority. Funds are allocated from the city treasury and depend on the minimum level of income that is necessary for a normal life.

1. upon reaching retirement age (accrued in the absence of insurance coverage, but subject to permanent residence in Russia);
2. for disability (intended for applicants who have never had an official place of work, but who permanently reside in the country);
3. in case of loss of a breadwinner (this payment is due to students under 23 years of age, full-time students and permanent residents of the country, while the deceased breadwinner has no insurance experience).

In addition to these two types, there is a state pension. It is prescribed for the same reasons: disability, old age or in the event of the death of the breadwinner. Cosmonauts, military personnel, as well as citizens who have suffered from radiation can receive a state pension. Payment amounts for each applicant in these categories are calculated separately.

The processes of increasing benefits throughout the state will be carried out in three stages.

1. From January 2021, the law on indexation of insurance pension payments comes into force. It applies directly to categories of disabled pensioners. The indexation amount will increase annually by a percentage pre-established by the Government of the Russian Federation. The size of the minimum insurance pension will increase by 7% from the beginning of 2021. The average increase is 1000 rubles.
2. Social and state pensions throughout the country will increase from April 1, 2021 by approximately 2%.
3. From August 2021, the amount of insurance pension payments for working residents will increase. The maximum figure will most likely be equal to three pension points.

The pension amount is determined by summing up the basic part and various additional payments.

The basic part includes the same living wage for all residents. The insurance pension is assigned based on the pensioner’s work experience and his individual pension points. Depending on the period of residence in the Russian Federation, there is a minimum additional payment. It is influenced by the pensioner’s working conditions, his current age, services to the country and other factors.

Citizens with disabilities living in the Russian Federation have additional benefits. They are paid in the form of various types of benefits or social package. They are provided to each pensioner individually and depend on: living conditions, illness, and injuries. The average amount of benefits ranges from 180 to 490 rubles.

In addition to these additional payments, disabled people are given discounts on utility bills, dental treatment, free trips on public transport, vouchers to sanatorium-resort institutions, etc.

Citizens can apply for a social supplement at the Multifunctional Center. The application is submitted electronically using the official Internet resource of the city mayor.

To apply for assistance, a citizen will need a package of the following documents:

• statement;
• passport showing registration;
• work book and its certified copy (the book is proof of the absence of official work);
• a certificate from the Pension Fund about the amount of the applicant’s pension;
• for student citizens - a certificate from the place of study;
• for payment in connection with the loss of a breadwinner - a death certificate.

Additionally, the applicant must provide a salary certificate in the established form, as well as a certificate confirming the applicant’s preferential category.

The registration service is free. The decision to assign payment is made within 10 working days. If the pension amount changes, there is no need to re-submit documents - all recalculations are made automatically. However, working pensioners are required to submit a certificate of their income every 6 months. The amounts of all types of payments to citizens are annually reviewed by the Government of the Russian Federation.

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Author of the article: Klavdiya Treskova

Consultant, author Popovich Anna

Financial author Olga Pikhotskaya