How is pension calculated for those born in 1959?

Retirement of a mother of many children born in 1964

Simultaneously with the law on retirement age, new benefits came into force in 2021. One of these benefits is early pension for mothers with many children - with 3 and 4 children (for mothers with five children such a benefit was provided previously).

According to the new law (Part 1, Article 32 of Law No. 400-FZ):

• mothers with three children retire at 57;
• and with four - at 56.

Since the law provided for a fixed age, mothers with 3 and 4 children born in 1964 will not be able to take advantage of this benefit. It is more profitable for them to arrange payments according to generally established standards, since they are much lower than those provided for on a preferential basis (at 55 years 6 months). Therefore, the deadlines for processing payments will correspond to the generally established ones (see).

Let us remind you that for a preferential appointment it is not enough just to reach the established age:

1. Children must be raised until their 8th birthday;
2. A woman must have at least 15 years of insurance experience and an IPC of at least 30 points.

In addition, when determining the right to benefits, children in respect of whom the mother was deprived of parental rights or whose adoption was canceled are not taken into account.

Early exit based on length of service (37 years)

If you have a long work history (37 years for women), you can apply for a pension before reaching retirement age. Having completed the required length of service, a woman can become a pensioner 24 months before the statutory period, but not earlier than 55 years.

Since the law sets the retirement age at 55.5 for women born in 1964, the length of service benefit for them will not be provided in full. The reduction will be only six months instead of two, since the law limits the lower age limit. Therefore, women born in 1964 with 37 years of experience they retire at 55.

Let us remind you that the duration of this length of service includes only periods of working activity and paid sick leave. That is, the time a woman is on maternity leave for up to 1.5 years is not included in it.

Old age pension amount

In any case, if you retire in 2014, then the calculation occurs as usual, so to speak, according to the old formula. Contact the Pension Fund and they will give you an exact calculation, taking into account your personal insurance information, work history and insurance record.

Alexandra! Federal Law No. 400-FZ dated December 28, 2013 “On insurance pensions” has not yet entered into force. It makes no sense for you to make calculations based on your insurance record. The calculation of the base part will be made for 2000-2001. Even if you want to make a calculation according to Federal Law 400, the pension size will remain the same. Or clarify the question if I did not understand you correctly.

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Benefits for pre-retirees in 2021

For citizens near retirement age, various support programs, payments and benefits are provided, both at the federal and regional levels. Among the benefits, two main groups can be distinguished: tax and social.

Tax benefits. Pre-retirement people are provided with the same types of tax benefits that were previously available to pensioners until the end of 2021.

• With federal benefits, pre-retirees are exempt from paying land tax on 6 acres of land and paying tax on one type of property from each category (garage, house, apartment, etc.).
• The list of regional benefits depends on the subject of the Russian Federation in which the pre-retirement resident lives. These could be transport tax discounts, additional land tax discounts, and so on. You can clarify the list of benefits at the Federal Tax Service office at your place of residence or on the official website of the Tax Service.

It should be noted that tax benefits are provided at a fixed age - for women from 55 years old and for men at 60. That is, in this case, a gradual increase in the pre-retirement age does not need to be taken into account.

Social benefits. Pre-retirees may be provided with discounts on housing and communal services, the right to free travel on public transport, free medicines, monthly payments, and so on. The list of benefits provided depends on the subject of the Russian Federation in which the pre-retiree lives.

With regard to social benefits, you also need to pay attention to the laws in which these support measures are enshrined. For example, they may indicate that state support is provided upon reaching a fixed age of 55/60 years, and not according to general rules

Rules for calculating pensions for citizens born before 1967

It is worth paying attention to the fact that length of service is now calculated according to a new scheme. Years of work before January 1, 2021 can be confirmed by relevant entries in the work book, extracts from the order, certificates from the place of work or the military registration and enlistment office, information on payment of taxes for entrepreneurs, etc. The next period - after 2021 is significant only if if deductions were made from your salary to the budget, which are recorded in your individual personal account. That is, the more “white” official experience you have, the higher the benefit amount will be.

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For all these periods included in the length of service, you must have supporting documents. If all conditions are met and all work time is taken into account, then you can apply for registration at any branch of the Pension Fund.

Benefits for people of pre-retirement age

In order to mitigate the negative consequences of the pension reform, various benefits for pre-retirees, as well as measures of additional support and protection, were proposed. They were developed by State Duma deputies from the United Russia faction and Russian President Vladimir Putin.

The list of benefits may be supplemented in the future, since a working group continues to operate in the State Duma, which is engaged in the analysis and processing of information and proposals received from citizens, public organizations, ministries and departments.

To support citizens of pre-retirement age, the following decisions have already been made:

• On October 14, 2021, a law on criminal liability of an employer for dismissal or refusal to hire citizens of pre-retirement age came into force. In addition, various options are being considered to encourage employers to hire pre-retirees and retain them in their jobs.
• To undergo a medical examination, pre-retirees will be able to take 2 working days annually while maintaining their wages. The law providing for such a change also came into force on January 1, 2019.
• From 2021, various tax benefits are provided upon reaching the retirement age established by the old legislation: according to generally established norms - for persons who have reached 55/60 years of age, and if a citizen has the right to become a pensioner early, then upon reaching the age of acquisition of such a right according to the norms old legislation. In fact, such tax benefits will also be provided for pre-retirees.

Criminal liability for dismissal of future pensioners

One of the reasons why the pension reform was negatively perceived by the population was the concern of older citizens about possible dismissal from work. Therefore, the President proposed to introduce criminal liability for employers for the unjustified dismissal of persons of pre-retirement age, as well as for refusal to hire due to old age. This law was signed by the President of the Russian Federation on October 3, 2021, and came into force on October 19.

According to the new article 144.1 of the Criminal Code of the Russian Federation, employers who unreasonably fired and refused to hire pre-retirement workers face punishment in the form of:

• fine up to 200 thousand rubles. or in the amount of wages (or other income of the employer) for 18 months;
• or compulsory work for up to 360 hours.

Retraining people of pre-retirement age

For the retraining and retraining of people of pre-retirement age, the Ministry of Labor has already developed a draft program for advanced training. According to this program, pre-retirees will be able to receive additional professional education in accordance with the skills and competencies that are in demand at the present time.

Training will take place according to the following scheme:

• retraining will be carried out on the basis of the employment service (SZN) for an average of 3 months, off-the-job;
• During studies, scholarships will be paid in the amount of the minimum salary in the region.

According to the Ministry of Labor program, vocational training for pre-retirees will allow:

1. Work with new equipment, technologies, software.
2. Receive a qualification rank, class, category in accordance with the citizen’s profession without changing his level of education.

How to calculate your pension

The amount of the insurance pension (SP) is calculated using the following formula:

Where

• IPC - the number of points generated on the pensioner’s personal account for all periods of his activity;
• SPK - the cost of one such coefficient (point);
• FV - fixed payment (basic part of the pension).

At the same time, the amount of the IPC depends only on the pensioner, and the SPK and PV are approved by law.

The cost of the point and fixed payment changes annually from January 1. Therefore, you need to substitute their values ​​into the formula depending on the year in which the pensioner will apply for a pension.

To calculate a pension for a man born in 1959, values ​​are needed only for 2021 and 2021:

1. To calculate payments in 2021, the following values ​​are used: FV = 5334.19 rubles, SPK = 87.24 rubles.
2. For 2021: FV = 5686.25 rubles, SPK = 93.00 rubles.

This does not mean that those who took out a pension in 2021 (these are men born in the first half of 1959) will receive less than those who retired in 2020. After indexation from January 1, 2021, their collateral is recalculated taking into account the new values ​​of the PV and SPK (this is the principle of annual indexations).

However, indexation is only available to non-working pensioners. For those who continue to work, the pension amount will remain unchanged.

Example calculation for a man born in 1959

To calculate the amount of your pension, you need to find out the number of pension points available in your personal account with the Pension Fund (on SNILS). To do this, you can use your Personal Account on the Pension Fund website (see picture below) or apply for an extract from the Pension Fund or MFC.

Let's consider an example of a calculation for a man born in 1959 with an IPC of 46.584 points.

1. If a citizen retires in 2021, then his insurance pension will be: SP = 46.584 × 87.24 + 5,334.19 = 9,398 rubles. 18 kopecks
2. If he becomes a pensioner in 2020, then SP = 46.584 × 93.00 + 5,686.25 = 10,018 rubles. 56 kopecks

If the amount of the calculated pension is lower than the pensioner’s subsistence level, then an additional social supplement to the PMP will be assigned. The size of PMP by region of the Russian Federation is presented in the article.

Calculation of pensions for those born in 1967 - calculation formula, pension points and IPC

• StrPn – citizen’s insurance pension;
• IPC – the result of summing up pension points on the date of assignment of insurance pension payments;
• St – the value of the pension point established at the time of appointment;
• FC – fixed state payment;
• Kp – premium coefficient.

1. Initially, the monthly size for 2021-2021 is determined - PC is divided by 228 (survival age in months).
2. You can find out your PC and your insurance premiums in your Personal Account on the Pension Fund website using SNILS.
3. Next, the IPC is considered - the monthly amount for 2021-2021, obtained according to point 1, is divided by 64.1.
4. PC is recalculated taking into account the PC indexing coefficient, which is set for each year, so in 2021 it is equal to 1.177 and in 2021-2021 it is set to 1.

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How to calculate a pension for a woman born in 1964

The calculation of the insurance pension (SP), regardless of the citizen’s date of birth, is carried out according to the formula:

Where

• PV – basic part of the pension (fixed payment);
• ∑IPK – total IPC on a citizen’s personal account (SNILS);
• SIPC is the cost of one IPK (or so-called pension point).

The total IPC depends only on the citizen - on the duration of his work, “non-insurance” periods, for which points are also awarded (caring for a child under 1.5 years old, military service), etc. And the values ​​of the fixed payment and the cost of the pension coefficient are established by law and change annually.

Since women born in 1964 retire in 2019 and 2021, the calculation of the payment assigned to them will be different.

• When calculating pensions in 2021, the following values ​​will be used: PV = 5334.19 rubles, SIPC = 87.24 rubles. This applies to women born from January to the end of June 1964.
• When calculated in 2021: the fixed payment is equal to 5686.25 rubles, the cost of one coefficient is 93 rubles. This applies to women born from July to the end of 1964.

This does not mean that women born in 1964 who received a pension in 2019 will have lower payments than those who received a pension in 2020. From January 1, 2020, their collateral will be recalculated taking into account the current values ​​of the PV and SIPC (traditional indexation will be carried out).

Calculate pension Online

His friend, Yegor Pavlovich, will retire only in January 2020, when he turns 60. The man’s total IPC was 86 points. Place of residence is the city of Kem, where the regional coefficient is 1.4; no other pension supplements will be assigned. The calculation of the pension for Yegor Pavlovich is made using the same formula and will look like this:

• Service in the armed forces;
• Time spent on sick leave;
• Parental leave until the child turns one and a half years old. In total, it is allowed to include in the length of service no more than 6 years spent on these vacations;
• Time without work, when a citizen was registered and received benefits as unemployed;
• Participation in the work of the society, which was paid for;
• Time spent moving on the initiative of the Employment Center for employment;
• Time of imprisonment in a situation where the innocence of the prisoner will later be proven;
• The period when care was provided for persons over 80 years of age, persons with group 1 disabilities;
• For military wives up to 5 years when living in areas where there is no opportunity to work;
• For spouses of consular officers and diplomats – time spent abroad.

Making a one-time payment from a funded pension

To receive the accumulated money, you must submit an application to the NPF or Pension Fund. Through the Pension Fund of the Russian Federation, a one-time benefit to pensioners born in 1957 is issued upon an application submitted:

• to the territorial branch of the Pension Fund or MFC at the place of residence - upon a personal visit to the pensioner;
• via the Internet on the website of the Pension Fund of Russia or in the system on the State Services portal - electronically, by registering there and opening a personal user account;
• by registered mail.

How to make an application

If the funds are in accounts with the Pension Fund, the application is submitted there in the form approved by Order of the Ministry of Labor No. 11n dated 07/03/2012. To receive savings from a non-state pension fund, the application is drawn up in the form of Appendix 1 of Order of the Ministry of Labor No. 12n dated 07/03/2012. The document must contain:

• name of the authority;
• individual data about the insured applicant;
• SNILS of a pensioner;
• savings account number (filled out by a fund specialist);
• information about already assigned pension benefits;
• method of receiving payments;
• date of registration;
• pensioner's signature.

What documents are required

Decree of the Government of the Russian Federation No. 1047 of December 21, 2009 approved the documentation required to be submitted for processing funded payments (originals or notarized):

• the statement itself;
• passport;
• confirmation of the right to receive a pension, insurance or social;
• certificate of assignment of disability (incapacity for work), loss of a breadwinner;
• documents for the representative (passport, power of attorney), if the application is not submitted by the pensioner himself.

It is legally permitted to submit copies of documents certified by a notary instead of originals

Important: when sending an application by mail, only copies are sent, original documents are not included. When accepting documents, the fund specialist issues the applicant a corresponding receipt, notifying that the pensioner’s application has been registered and accepted for consideration.

Your right

Hello dear forum users. Maybe someone can tell me how to calculate my pension myself: 1. Year of birth - 1959 2. Work experience - from 01/27/1977 to 11/11/1999 (official, continuous) 3. Work experience - since 2000 informal

The pension fund does not automatically begin paying pensions to citizens when they reach the required age. Each person must take care of this in advance. PF specialists advise starting to apply for a pension approximately six months before reaching retirement age; only in this case can you start receiving payments on time.

Service until retirement, giving the right to retire early (for women and men)

The law on raising the retirement age, adopted by the State Duma on September 27, provides an additional basis for early retirement - the presence of a long insurance period, which allows you to become a pensioner 2 years earlier than the period provided for by the new law (taking into account the provisions of the transition period).

The new law also contains a restriction according to which it is impossible to take advantage of such a benefit before the age of 55/60. However, the very length of the period giving the right to early retirement based on length of service, during the discussion of the bill for women and men, was reduced by 3 years in comparison with the original version.

Let us recall that the government draft law initially established standards allowing for early retirement status at 40 years for women and 45 for men. It was with this content that the draft was adopted by deputies in the first reading in July.

During a televised address to the country's population, the president announced the need to reduce the proposed parameters so that such a benefit would become more accessible. Corresponding amendments to the draft law were introduced by the President in September. In them, the length of service requirements were relaxed to 37 and 42 years (that is, 3 years).

What insurance periods are counted when retiring early based on length of service?

The length of service for early retirement is calculated in calendar order. But it is worth noting that the procedure for calculating length of service for early retirement will differ from the standard calculation of length of service. According to paragraph 4 of Art. 8 of Law No. 350-FZ of October 3, 2018, the length of service for early retirement will only include:

• Periods of labor activity during which insurance contributions were paid to the Pension Fund (Part 1 of Article 11 of Law No. 400-FZ of December 28, 2013);
• Periods of temporary incapacity for work, during which compulsory social benefits are paid. insurance (Clause 2, Part 1, Article 12 of Law No. 400-FZ).

Thus, only periods of official work and time spent on sick leave will be counted towards the preferential length of service - all other periods (for example, being on parental leave for up to 1.5 years) will not be included here.

In general, the insurance period includes:

1. Periods of work or other activities on the territory of the Russian Federation, during which insurance premiums were paid to the Pension Fund.
2. Other periods during which contributions to the Pension Fund were not deducted, but in accordance with clause 1 of Art. 12 of Law No. 400-FZ of December 28, 2013 “On Insurance Pensions”, they are counted towards the insurance period (pension points can also be awarded for them).

In particular, countable “other periods” include those during which the Russian:

• looked after each child until he was 1.5 years old, but no more than 6 years in total;
• cared for a disabled person of the 1st group, a disabled child or a citizen who has reached 80 years of age;
• served in the military or other equivalent service;
• received social benefits insurance during temporary disability;
• received unemployment benefits;
• upon the direction of the employment service, moved to another area for further employment;
• participated in paid community work;
• was in custody as a person unjustifiably brought to criminal liability, etc. periods.

According to paragraph 2 of Art. 12 of Law No. 400-FZ, the above periods will be counted into the insurance period if before or immediately after them there were periods of work or other activity during which insurance contributions were paid to the Pension Fund.

How have the general rules for receiving an old-age insurance pension changed?

A Russian will receive an old-age insurance pension if he (in total):

1. Reached a certain age.

2. Has the required individual pension coefficient (hereinafter referred to as IPC).

3. Earned the required insurance experience.

The last two parameters - they are discussed in our other article - were not affected by the new reform. The standard retirement age has changed: in accordance with Art. 8 of the Law “On Insurance Pensions” dated December 28, 2013 No. 400-FZ (hereinafter referred to as Law No. 400-FZ) from January 1, 2019, the state will gradually, in 1-year increments, increase it when assigning an old-age insurance pension on a general basis:

• for men - from 60 to 65 years;
• for women - from 55 to 60 years.

Here's what, according to the new Appendix 6 to Law No. 400-FZ, the retirement table looks like by year:

The retirement age of state and municipal employees has increased since 01/01/2017. The rate of its growth, according to changes in Appendix 5 to Law No. 400-FZ, from 01/01/2021 will increase from 6 to 12 months.

At what age does a mother of 3 and 4 children retire?

Taking into account the President’s amendments to the pension bill, in 2019, women will generally be able to retire at the age of 55.5. Does this mean that large families with three and four children will have to wait until their 57th and 56th birthdays, respectively? Of course not. They will be able to apply to the Pension Fund on the same basis as other women when they reach 55.5 years of age. And this will continue until the female retirement age, established “on a general basis,” exceeds these 56 and 57 years, taking into account the transition period schedule.

That is, in fact, mothers with 4 offspring will be able to take advantage of the new benefit from 2021, and with 3 – from 2023. After this, the retirement age for the corresponding categories of large families will stop increasing and will stop at 56 and 57 years. For other women, it will continue to rise until they reach age 60 in 2028 (see).

Due to the fact that in 2019-2020 the retirement age will be increased in increments of 6 months, its own peculiarities also arise. For example, consider the case of a woman born in 1964:

• If she turns 55.5 years old in the first 6 months of 2021, then, according to the table below, she will be able to start receiving pension payments in the 2nd half of 2021 (regardless of the number of children).
• If she turns 55.5 years old from July to December 2021 inclusive, then she can count on payments only in the corresponding month of the 1st half of 2021 (that is, also only six months later).

The retirement age for families with many children will change annually until it reaches 57 years and 56 years, respectively, for mothers with 3 and 4 children. And that’s where the promotion stops for them. How this will happen taking into account the transition period is shown in the table.

Photo pixabay.com

Table - Benefits for mothers of many children upon retirement

The following abbreviations are used in the table: RA—retirement age; GVP - year of retirement.

The table presented clearly shows why benefits for families with many children will actually be deferred for several years:

• In accordance with the new legislation, mothers of 4 children born in 1965 will be the first to become pensioners in 2021, taking into account benefits. They will be able to do this at 56 years old, while ordinary women this year will be able to retire only at 56.5 years old.
• For mothers of 3 children born in 1966, benefits will apply in 2023. They will retire at 57, while the rest of the women will retire in 2024 at the age of 58.

Example

If a woman born in 1965 with 4 children could retire in 2021 under the old law, then as a result of the reform she will be able to do this only in 2021 at the age of 56 years. And this will already be considered early retirement, because the general retirement age for women of this year of birth will be 56.5 years (i.e., in general, you will need to work 6 months longer).

Pension calculator Online

Now you need to find out how many pension points a woman will receive for 2021: (0.22 (22% - the rate of insurance contribution when calculating an insurance pension) × 4 (the serial number of the month of retirement in 2021) × 25000/212360 (the maximum possible annual contribution in 2021))x10=1.04 points.

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Attention! If you have any questions, you can consult with a lawyer for free by phone in Moscow, St. Petersburg, and all over Russia. Calls are accepted 24 hours a day. Call and solve your problem right now. It's fast and convenient!

How to calculate a pension in 2021 for a man born in 1959

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https://youtube.com/watch?v=gGWlMho4tAU

How to calculate your future pension yourself

A pension is monetary compensation for earnings lost due to age-related incapacity, paid by the state. All pension standards are set by the International Labor Organization (ILO). It also defines that an acceptable pension provision is considered to be 40 percent or more of the last salary.

However, it is not yet possible to achieve an acceptable pension level in Russia. According to a report from the Pension Fund of our country, in 2009 the pension level was 29.8 percent of the average salary of citizens. They promise that by 2021 the 40 percent target will eventually be reached.

Retirement table by year of birth

Requirements for length of service and number of points change every 12 months. From January, the retirement age gradually increases for men or women.

Retirement table for men

The requirements are defined in tables that are easy for citizens to understand. Gradation is carried out according to gender and period of birth.

The final values ​​for pensioners have been established since 1963. (60/65 years old).

Retirement table for women

Intermediate provisions are provided for pre-retirement women born in 1964-1967. The values ​​increase from 55.5 to 59 years. Women comply with the same criteria as men - length of service, age limit, labor factor.

They go on a well-deserved rest if the general conditions are met. When, upon reaching a set age, a person does not have the minimum number of points or years of experience, then it is possible to issue payments after reaching a certain age (after five years, a social old-age pension is issued).

The pension disputes are over. The state took care of different segments of the country's population and took into account the characteristics of each of them. You need to get used to the new changes.

Calculation of pension for a woman born in 1959

The payment associated with a citizen reaching old age and calculated in accordance with current legislation is called a pension. Not only people who have the required length of service and have reached the established age, but also some categories of beneficiaries have the right to receive this allowance. For example, a pension is assigned for disability or loss of a breadwinner. In our state, pensions are calculated in different ways. After the last reform, the calculation of pensions changed, instead of amounts in rubles they switched to conventional units (pension points). The previous calculation remained only for people born before 1966. In this review we will tell you how pensions are calculated for those born before 1967.

To receive a pension, you must not only reach a certain age, but also have a certain amount of work experience behind you. Women must work for at least twenty years, and men five years more. The Pension Fund of the Russian Federation is responsible for the payment of pension accruals. The amount of payments varies throughout the country and depends on:

Pre-retirement status

The state provides a number of benefits and guarantees for persons in the pre-retirement category. The right to enjoy the benefits of this status arises during the 5-year period preceding the current pension threshold.

The calculations should use the requirements currently in force. For example, in 2021, a woman born in 1968 will have the opportunity to use preferential services, and her retirement will take place only in 2028. Since the rule is now in effect to end work upon reaching the 56th birthday, people become pre-retirees at 51.

List of benefits:

• free travel on public transport;
• government-funded medications and health care;
• exemption from land and property taxes;
• discounts on housing and communal services and major repairs;
• annual free medical examination;
• increased unemployment benefits.

Among the latest innovations is the introduction of additional labor guarantees in the form of protection against unreasonable refusal to hire and illegal dismissal of pre-retirement workers.

Important! The Pension Fund of the Russian Federation has provided access to a special service that stores data on Russians using pre-retirement benefits. Information in electronic form is sent through the Unified Social Security System and during online interaction with employers

A certificate to confirm your status is available in your personal account on the official website of the Pension Fund and in local branches of the fund.

Calculation of pensions for those born in 1962

Based on the amounts transferred annually, the Pension Fund calculates the number of points earned . The approximate size of the annual increase in coefficients can be found on the official website of the Pension Fund using a special calculator. When you enter the amount of earnings, it gives a calculation of the number of points for the current year.

How to calculate a pension for a person planning to become a pensioner this year? To do this, it will be necessary to take into account the periods before 2021, when different pension laws were in force, and after 2021 using a point system.

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Requirements for assigning material content

Anyone applying for a cash accrual due to termination of employment must ensure compliance with the following requirements:

• IPC - individual pension coefficient;
• insurance experience.

Now these indicators are set at the level of length of service of 10 years and 16.2 IPC points. These values ​​began to increase back in 2015, and continue to increase annually. A similar calculation should be carried out for men, starting with those born in 1959.

For whom the changes are not provided

The legislator retained the previous rules regarding when representatives of certain professions and socially disadvantaged groups should retire. We are talking about citizens who have the right to receive payments earlier than the generally established deadline.

The previous rules apply to women workers employed in the following industries:

• textile industry with difficult working conditions;
• machine-building, machine-road maintenance, work as tractor drivers in agricultural enterprises;

Changes are not introduced to people, regardless of gender, who worked in hazardous conditions, in mines, on ships, in the field of aviation and in places of punishment.

The full list of specialties is quite extensive and is contained in the Federal Law adopted on December 28, 2013, No. 400-FZ. The main feature of preferential professions is the payment by the employer of separate insurance payments for such staff units, taking into account special tariffs.

The increase will bypass Russian women with 5 or more children, as well as with 2 or more children if they have insurance coverage and work experience in the Far North.

The retirement schedule for men and women will not be subject to change, provided that such persons:

• take care of and educate children with disabilities;
• recognized as disabled group 1 in terms of vision, subsequently suffering from injuries acquired during the war;
• permanently live and work in the Far North in the industries of reindeer husbandry, fishing, and hunting.

Question:

What legislative innovations await people who have already received a pension certificate?

Answer:

Citizens who completed their employment before 2020 and began receiving salary benefits are not subject to the new age requirements. They continue to enjoy the acquired rights and compensation, and will also be able to count on significant premiums due to enhanced indexation.

In what year will a man born in 1959 retire under the new law?

The Government of the Russian Federation has announced its version of increasing the retirement age of Russian citizens: it is proposed to increase it by 5 (for men) and 8 (for women) years, thus bringing the retirement age to 65 and 63 years, respectively for men and women.

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But the specific date of entry into force of the law will determine how many years men born in 1959 will retire. After all, if, for example, a man was born in January, and the law comes into force in May, then this particular man will retire at 60 years old.

Long service for early retirement (for women and men)

The law on raising the retirement age provides an additional basis for early retirement - this is the presence of a long insurance period, which allows you to become a pensioner 2 years earlier than the stipulated period (taking into account the provisions of the transition period). The new law contains a restriction according to which it is impossible to take advantage of such a benefit before the age of 55/60.

When determining the right to a benefit, those usually included in the insurance period will be taken into account, since the new law limits their list.

Not all so-called “non-working” periods defined by law will be included in the preferential length of service for early retirement. For example, caring for each child until the age of 1.5 years and military service will not be included.

It is also necessary to understand that the benefit provided for by the new law for a long insurance period of 37 years for women and 42 years for men will not affect in any way. Those standards provided for receiving an old-age insurance pension on a general basis do not change during the reform and will remain the same.

What is included in 37 years of service and 42 years for early retirement?

The length of service for early retirement is calculated in calendar order. But it is worth noting that the procedure for calculating length of service for early retirement will differ from the standard calculation of length of service. According to Art. 13 of Law No. 400-FZ of December 28, 2013, the length of service for early retirement will only include:

• Periods of labor activity during which insurance contributions were paid to the Pension Fund (Part 1 of Article 11 of Law No. 400-FZ of December 28, 2013);
• Periods of temporary incapacity for work, during which compulsory social benefits are paid. insurance (Clause 2, Part 1, Article 12 of Law No. 400-FZ).

Thus, only periods of official work and time spent on sick leave will be counted towards the preferential length of service - all other periods (for example, being on parental leave for up to 1.5 years) will not be included here.

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Important

In general, the insurance period includes:

1. Periods of work or other activities on the territory of the Russian Federation, during which insurance premiums were paid to the Pension Fund.
2. Other periods during which contributions to the Pension Fund were not deducted, but in accordance with Part 1 of Art. 12 of Law No. 400-FZ of December 28, 2013 “On Insurance Pensions”, they are counted towards the insurance period (pension points can also be awarded for them).

In particular, countable “other periods” include those during which the Russian:

• looked after each child until he was 1.5 years old, but no more than 6 years in total;
• cared for a disabled person of the 1st group, a disabled child or a citizen who has reached 80 years of age;
• served in the military or other equivalent service;
• received social benefits insurance during temporary disability;
• received unemployment benefits;
• upon the direction of the employment service, moved to another area for further employment;
• participated in paid community work;
• was in custody as a person unjustifiably brought to criminal liability, etc. periods.

According to Part 2 of Art. 12 of Law No. 400-FZ, the above periods will be counted into the insurance period if before or immediately after them there were periods of work or other activity during which insurance contributions were paid to the Pension Fund.

How are pensions calculated for those born in 1959?

Yes, it is paid from September 1, 2021 and receives disability, but from above the month for which a monthly salary is paid, but also for old age but no more than. Insurance contributions for the year of early retirement from 1 million rubles per month (160,000 rubles from March 1, 2021) year, I believe, for all work in the total amount of additional leave for child care leave (further at the end of the leave provided during the compensation period). And according to paragraph 1 of Article 224 of the Tax Code of the Russian Federation, leave to care for a child up to 1.5 years old is assigned and paid at the place of work.

An old-age labor pension is assigned if you have at least 5 years of insurance experience. The insurance period is understood as the total duration of periods of work and (or) other activities taken into account when determining the right to a labor pension, during which insurance contributions were paid to the Pension Fund of the Russian Federation, as well as other periods counted towards the insurance period. According to the current pension legislation, the amount of the pension depends on the length of work experience completed before 01/01/2021, wages until 2021 and insurance premiums accrued (paid) by the employer for the insured person after 01/01/2021 until the day you were assigned an old-age pension. Therefore, it is currently not possible to determine the amount of your old-age labor pension, because... You do not have the necessary components listed above. In this regard, the size of your pension can be determined at the age closest to retirement. If you participate in the program of co-financing pension savings of citizens for the funded part of the labor pension and if you pay one thousand rubles monthly for 10 years, the total amount of contributions together with the state “surcharge” will be 240 thousand rubles (120 thousand rubles contributed by you and 120 thousand rubles by the state). Dividing this amount by the time of retirement, we get an increase of just over 1,000 rubles per month for life.

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Cumulative pension for citizens born in 1953-1967

Persons in this age group can form pension savings. These funds were formed from insurance transfers from employers made in the period 2002-2004. Previously, until 2014, the insurance premium for Russians younger than 1967 was distributed in fixed proportions:

• 6% – joint and several part (not reflected in the individual account of the insured);
• 10% – insurance part (on an individual account);
• 6% – funded part.

The funded component (6 percent) is not used to pay current pensioners; it is invested and can be transferred to legal successors. The following can receive the funded part of the pension at a time:

• Persons born in 1967 and younger when they are assigned an early insurance pension upon reaching age (old age).
• Citizens in whose favor in 2002-2004. insurance premiums have been paid for the funded part of pension deposits. Since 2005, deductions have ceased due to legislative changes. This condition applies to citizens born in 1953-1966. (male) and born 1957-1966 (female).
• Russians who participated in the state co-financing program when forming a pension. The program was open for entry during the period 01.10.2008–31.12.2014. Citizens who paid the first installment before January 31, 2015 are considered participants.
• Persons who have allocated maternity capital to form a future pension (only for women).

What payments are due?

If a Russian has savings in a pension fund, state or non-state, they can be obtained in several ways. According to Law No. 360-FZ of November 30, 2011, 3 types of payments are provided:

• unlimited (performed every month throughout the life of the pensioner);
• urgent (during the period established by the pensioner themselves);
• one-time (one-time payment).

After the death of a pensioner, his heirs can claim the funded pension of the deceased

Important: a lump sum payment is established under conditions strictly defined by legal norms. Pensioners, real and potential, born before 1967, unlike the younger generation, were deprived of the right to choose the type of pension formation

In 2002-2005 their employers paid contributions to the funded component of the pension in accordance with the established mandatory procedure. In this category, such savings that have been accumulated for a short time are insignificant, and with a value of less than 5 percent, citizens born in 1953-1967 can receive savings provision in lump sum payments (based on Article 4 of Law No. 360-FZ of November 30, 2011).

Amount of pension savings

It is necessary to clarify the size of possible payments depending on the place of their formation. If the funds were transferred to the management of any non-state pension fund (abbreviated as NPF), then the pensioner should apply for receipt to a specific NPF.

If contributions were made to the Russian Pension Fund, this authority pays the funds. With this option, the MFC also considers the request for payment. If a pensioner does not know where the funds are located, this can be clarified at the territorial branch of the Pension Fund, through the State Services portal or the MFC.

What years are used to calculate a pension for a person born in 1959?

I am 54 years old, I took out an early pension due to layoffs. From 2021 to 07.2021 I did not work because... In connection with the move to a new place of residence, I quit my old job, but did not find work at the new place. I worked from July 2021 to 03/01/2021, the salary was decent, why can’t they take my salary for this period, but they took the years 2021-2021, where I had no salary at all? The pension turned out to be meager. My neighbor hasn’t worked all her life, but she earns more than me.

The salary coefficient taken into account when assigning labor pensions is the ratio of the average monthly salary of the insured person to the average monthly salary in the country for the corresponding period, which, in accordance with Article 30 of the Federal Law of December 17, 2021 No. 173-FZ “On Labor Pensions in the Russian Federation,” is not taken into account over 1.2. To calculate the pension, the average monthly earnings of the insured person for 2021-2021 are taken into account according to individual (personalized) records in the state pension insurance system or for any 60 consecutive months of all work activity up to December 31, 2021, inclusive, on the basis documents issued in the prescribed manner by the relevant employers or state (municipal) bodies on the basis of primary accounting documents.

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About pension

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