The size and procedure for payment of pensions in 2021 for different categories of citizens

To provide optimal social support for unemployed citizens, the Pension Fund of the Russian Federation introduced a system of personalized accounting (PA), which made it possible to improve the mandatory pension insurance system (MPI) for Russians.
Thanks to innovations, the calculation of individual pension payments in 2021 has become clearer and simpler. The accepted concept of welfare (payment) is a form of support for citizens with permanent or temporary disabilities and includes payments, reimbursements, bonification or social compensation from the state, expressed in monetary form. Citizens of three categories receive the right to welfare:

• everyone who has reached a certain age of aging;
• disabled people;
• dependents, people who have lost their breadwinner and have no other income.

Pension payments in 2021

Some changes have been made to calculations and payments. In particular, this concerns the annual indexation, the date of which has been moved a month earlier. Also, benefits for the disabled, children, old-age pensioners, and other state benefits were indexed - one-time indexation, carried out on April 1, 2018. The increase was 3.7%, which exceeds the established inflation index by 0.5%.

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Calculations of pension payments are based on the growth rate of the consumer basket. The increase in the level of social security determined by the government of the Russian Federation is equal to 4.1%, which affects the average minimum rate of insurance benefits.

Structure and composition

To calculate pensions for 2021, contributions transferred by the employer to the Pension Fund for employees are taken. This is the main basis for calculating payments for the insurance part of the welfare. The tariff is 22% of the employee’s earnings. There are the following structural options for providing benefits:

1. Insurance. The tariff is divided into individual (16%) and joint (6%), intended for financing fixed payments (FB).
2. Mixed. This is an option with an insurance and savings structure. Here the individual tariff is 10% for insurance benefits, 6;% for accumulative, solidarity, aimed at financing FV, remains unchanged at 6%.

Types of pension benefits

The main type is insurance. This old-age benefit is calculated based on 3 factors:

• reaching old age or having rights to early retirement;
• availability of a minimum acceptable period of insurance coverage;
• the presence of a minimum pension points established by law.

The disability insurance benefit (SI) is calculated without taking into account the reasons for the loss of ability to work; two factors are required:

• documentary evidence of disability;
• work experience, at least one day, no work experience - they will appoint a joint venture.

As for the survivor's pension (SPK), it is intended for the category of dependent citizens. These could be children, grandchildren, a disabled or non-working spouse, a parent, or a disabled child. To calculate payments you need:

• the deceased’s work experience;
• the absence of an unlawful act committed by a disabled family member, which led to the loss of a breadwinner.

In 2021, the moratorium on the funded part of benefits through insurance premiums has been increased. Today, the principle of creating a pension in its funded part is similar to the actions of a citizen placing funds in a deposit bank account. Funds are sent, at the citizen’s choice, to the account of a management company or a non-state pension fund (NPF).

State pension payments have the goal of improving the life of an elderly or disabled person who has lost the ability to earn money independently. Payments are provided for:

• civil servants;
• military personnel;
• participants and veterans of the Second World War;
• Leningrad siege survivors;
• citizens affected by radiation exposure;
• astronauts;
• test pilots;
• disabled citizens.

If a Russian does not have the minimum number of pension points or work experience, he is assigned a SP. Social welfare is a benefit expressed in monetary terms, discounts, concessions, compensation, partially or completely free services.

Insurance benefits are a measure that the state takes to make life easier for citizens who do not have the opportunity to earn their own living. There are no requirements for pension points or work experience. There are three types of joint ventures:

• due to old age,
• on disability,
• upon the loss of a breadwinner.

Providing a state pension type established 4 types of payments for civil servants, military personnel and certain categories of persons: for length of service, old age, disability and loss of a breadwinner.

For length of service, welfare workers are appointed:

• civil servants with at least 15 years of experience in the civil service;
• military personnel according to established regulatory legislative acts;
• cosmonauts, if the length of service in the required position is 25 years for men, 20 years for women, but only if part of the period is spent working as a flight test crew (for men 10, for women 7.5 years);
• test pilots with 25 years of experience for men, 20 years for women, subject to working in the flight crew for at least 2/3 of the total experience.

Welfare in old age is paid to citizens who have suffered injuries or illnesses as a result of radiation exposure, man-made accidents, or disasters. As for disability payments, the category of citizens matters here:

The size of the average pension by region of the Russian Federation in 2021 and the required indexation

• participants, WWII veterans;
• citizens who survived the siege of Leningrad;
• military personnel who were injured and disabled during military operations or military conscription;
• disabled people due to the Chernobyl accident;
• cosmonauts whose disability is a consequence of preparing for or performing a space flight.

Welfare for the loss of a breadwinner is assigned to dependents who are under 18 years of age, parents, and spouses. The reasons for payments are: the death of a conscript serving in the military; a person who received a fatal disease due to radiation, dead astronauts and astronaut candidates.

As for non-state pension funds, their goal is to stimulate citizens to form their own security for old age on a voluntary basis. All settlements with NPFs are carried out according to the terms of the agreement, including contributions and payments.

Latest news: recalculation and social pensions

Already this fall - in September-October, a decision on the retirement age should be made, said Valentina Matvienko, who holds the post of Speaker of the Federation Council. In her opinion, pension reform cannot be delayed any longer.

“The law may be finally adopted in September-October, depending on how the discussion goes,” says the speaker. She went on to say that a gradual, step-by-step increase is the most lenient option “that you can think of.” If the proposed draft law is finally adopted, from next year Russians will begin to retire not at fifty-five, as now, but at 65.

Now the average size in the country fluctuates around 14 thousand rubles. According to the Federation of Independent Trade Unions, 90% of Russians consider this amount of social benefits unworthy.

Important! According to the Pension Fund of the Russian Federation, the average pension in Russia is 14,151 rubles (taking into account indexation of 3.7%), social pensions are 9,062 rubles (recalculation of 2.9%).

The government says that this measure - raising the retirement age - will attract additional funds, due to which next year the average pension will increase by 1 thousand rubles. At the same time, Finance Minister Anton Siluanov says that next year the recalculation of pensions will be made by 7%: “We are indexing pensions according to the inflation of the previous year, accordingly, the increase in indexation will be more than double compared to the expected pension of the current year.” The figure of seven percent was obtained by adding together the projected figures for two years:

• 2019 – 3%;
• 2019 – 4-4.5%.

According to the latest news, the State Duma will consider proposals on the main directions of budget and tax policy for the next three years, as well as mechanisms to increase investment activity. According to the Minister of Finance, it is planned to create a development fund, the resources of which will be directed to the implementation of presidential decrees, including those related to pension changes.

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Legal regulation of the issue

To begin the reform of the pension system, there is a certain law - this is a normative act that clearly outlines the distribution of labor benefits among the funded and insurance parts. The Federal Law also defined the following concepts:

• updating the formula for recalculating benefits with the basis for summing up the IPC and the cost of one pension point;
• a new procedure for calculating and assigning payments, taking into account the minimum allowable amount of pension points and the insurance part of the length of service;
• the presence of increasing coefficients when applying for pension payments later than the deadline established by law.

Law No. 424-FZ is a regulatory act regarding the emergence of the right to a funded pension and the establishment of conditions for assigning corresponding payments. The very procedure for accrual of savings payments is determined by the citizen who has gone on legal vacation and the chosen insurer (NPF). An insurance company whose activities comply with Law No. 410-FZ dated December 28, 2013 is suitable. However, placing funds in a non-state pension fund entails the risk of financial loss due to high inflation and fund losses.

Legal regulation

The document regulating the beginning of the pension reform of the Russian Federation was Law No. 400-FZ of December 28, 2013, denoting:

• division of labor benefits into insurance and funded;
• an updated benefit recalculation formula based on the amount of the IPC and the cost of one point;
• an updated procedure for appointing welfare providers, depending on the availability of a minimum amount of points and insurance experience;
• increasing coefficients when applying for financial assistance later than the deadline established by law.

Law No. 424-FZ of December 28, 2013 regulates the emergence of the right to the funded part and establishes the conditions for assigning payments on it. The procedure for accrual of savings payments is determined by the pensioner and the insurer chosen by him - NPF. The decision to choose an insurer who will be responsible for generating savings benefit payments is made by the pensioner independently.

A non-state pension fund, whose activities are regulated by the adopted Law No. 410-FZ of December 28, 2013, “On Amendments to the Federal Law” “On Non-State Pension Funds,” is suitable as an insurer. Fund losses or a high level of inflation entail the risk of leaving a pensioner without insurance contributions.

Indexation of pension benefits from January 2018

At the beginning of 2021, the insurance part of payments for non-working pensioners was indexed. The amount of payments increased by 3.7%. The budget deficit does not allow indexation of welfare benefits for working pensioners; this category of citizens can count on annual indexation only after dismissal and subsequent retirement.

Rules for calculating old age pension

For an accurate calculation, it is necessary to operate with the terminology of Federal Law 12/28/20213 No. 400-FZ: IPC, premium (increasing) type coefficients, FV - state-guaranteed amount.

A number of conditions necessary for the assignment and calculation of payments

The following categories of citizens have the right to accrue and pay pensions in the old-age insurance sector:

1. Citizens whose work experience in 2021 with the period of contributions by the employer to the Pension Fund is 9 years or more. You should know that until 2024, the requirements for work experience will increase annually until they reach 15 years.
2. Citizens who have the required number of pension points (calculated using the new formula) of at least 13.8 in 2021 and further up to 30 by 2024.
3. Men aged 60 and women aged 55 who do not have the conditions to receive an early pension.

Amount of fixed payment to the insurance pension

As of the end of 2021, the fixed pension payment is equal to 4805.11 rubles, which are accrued every month. This amount can be increased if the pensioner is included in the preferential list - then, depending on the category, the amount of the additional payment will be 6246.64-21622.99 rubles. The table shows the categories of citizens who have the right to a monthly fixed payment:

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What is IPC?

The individual pension coefficient is determined by the number of pension points that the employee has received over his entire work experience. The dimensional values ​​of the IPC are taken taking into account each calendar year.

The formula is: IPC (g.) = SV (g.)/NSV (g.)*10.

Thus, the IPC is annual, SV is insurance premiums for the year, NSV is 16% of the maximum possible base subject to contributions (MVB) - the government sets this amount annually and in 2021 the base is 1021 thousand rubles.

Pension calculation: formula for citizens

The changes affected the entire social system of helping people who find themselves in difficult situations. The funded parts, which are under a moratorium until 2021, explain the individuality of the formation of welfare benefits for each citizen. Now the basis for payments is labor activity; funds are paid from the Pension Fund budget and are calculated according to the updated formula.

Insurance part

For the insurance part, the formula is as follows: SP = IPK*SIPC*K+FV*K, where: SP is the amount of the old-age pension, IPK is the amount of IPK that has accumulated at the time of calculations, IPK is the cost of IPK, K is the premium coefficients, and FV – fixed part of payments.

Cumulative part

Here the formula is regulated by Art. 7 Federal Law No. 424-FZ dated December 28, 2013: NP = PN/T. NP – amount of benefit, PN – amount of savings in a special part of the insured person’s personal account, T – period (estimated) during which assistance will be paid. The term in 2021 is 246 months, that is, 20.5 years.

Who will retire into old age in 2021? Complete list of categories of citizens

Minimum requirements to receive social old age pension in 2021

Those who are not entitled to receive an old-age insurance pension can count on being assigned a social old-age pension.
Social Old Age Pension is a monthly cash payment to any person upon reaching a certain age, after which the person is considered to be unable to work. It happens that a person has lived to a certain age (for example, a man at 60 years old), worked all his life, and when he came to the Pension Fund, it turns out that he is not entitled to an old-age insurance pension.

How to be in this case? If a person is not entitled to an old-age insurance pension, he has the right to receive a social old-age pension if he is:

• 60 years (for women)
• 65 years (for men)
• 55 years old (for men who belong to the Small Peoples of the Far North)
• 50 years (for women who belong to the Small Peoples of the Far North)

The following have the right to receive a social insurance old-age pension:

• Citizens of the Russian Federation;
• Stateless persons permanently residing in the territory of the Russian Federation;
• Foreign citizens who have lived at least 15 years in the Russian Federation

Any person who meets these requirements can wait until the age limit to become eligible for an old-age social pension is reached. But you can also use the tips below and receive your pension ahead of schedule.

How to calculate your pension yourself

You can find an online counter on websites or do your own calculations. Of course, all results will be conditional; a Pension Fund employee will help you find out exactly the size of pension payments.

Where can I find out the amount of pension points?

The service is available on the government services website - you need to register, order a statement of accumulated pension points - it takes a few minutes. But you can contact the Pension Fund branch at your place of permanent residence. You will have to write an application for an extract from your personal account.

How much does an IPC cost in 2021?

From January 1, 2018, the price of one IPC point is 81.49 rubles. The cost of one pension point is determined annually by the Russian government. The preliminary cost of the IPC is 81.96 rubles. provided for in the draft budget is not valid.

Fixed payment amount

Also, after indexation, the fixed payment amount is 4982.9 rubles. The basis for the formation of the PV is the joint rate of insurance premiums (this is 6% of the 22% paid by the employer).

How is the pension calculated?

Before you calculate your pension using one of the methods below, you should find out how the pension is calculated.
The pension reform has changed several times and the algorithms used in 2021 are radically different from those used before. We do not suggest that you delve into complex nuances and study various laws. Our goal is to explain to you in simple language the principle by which a pension is formed today. With this knowledge, it will be much easier for you to calculate your future old-age insurance pension. The insurance pension is calculated using the formula SP = IPK * SIPC + FV, where:

• SP – insurance pension;
• IPC – the sum of all pension points;
• SIPC – the value of the pension point on the date of assignment of the insurance pension;
• FV – fixed payment.

It turns out that the amount of accumulated pension points is multiplied by the value of the point (indexed annually) and a fixed payment is added to it. If you plan to retire in 2018, then the fixed payment amount will be 4982.90 rubles, and the cost of 1 point will be 81.49 rubles. These amounts change every year, as do the requirements for the minimum number of points and length of service required to assign an insurance pension. To facilitate the calculation process, a special pension calculator has been created, which we will discuss below.

How to calculate a disability pension

In terms of a disability pension, the insurance period matters as such, regardless of its duration. If a disabled person worked for 1 day, and the employer made appropriate contributions to the Pension Fund, then the citizen has the right to claim insurance pension payments.

No experience - a joint venture is appointed. When calculating a pension below the subsistence level established in an individual region, the pensioner receives social supplements.

The amount of disability insurance benefits depends on the availability and size of length of service, the amount of wages, and the employer’s payment of contributions to the Pension Fund. The total amount of the welfare benefit for disability in terms of fixed payments is 4982.9 rubles. For disabled people of group 3, the base rate is 2,491.45 rubles, and for people with disability group 1, the base rate of PV should increase by 100%.

Payments for citizens of the disabled group upon loss of a breadwinner

SPC – survivor benefits provided by the state to disabled citizens who have lost funds due to the death of the insured person. This type of welfare (insurance part) is an independent type, independent of the number, amount of IPC pension points, and the insurance part of the deceased breadwinner’s length of service.

Only citizens who are dependents and who were financially supporting the deceased person in full receive payments:

• Relatives who are under 18 years of age;
• Relatives after reaching the age of majority (18 years), but disabled or who have received a disability group by this time;
• Relatives studying full-time (full-time) in state educational institutions who are not older than 23 years;
• Relatives of the age of majority caring for children and other relatives of the deceased who are under 14 years of age;
• Elderly relatives of the deceased or disabled people.

Any person from the listed group can receive SPC benefits, regardless of their length of work experience. Here, 1 day is also enough for the Pension Fund to appoint a welfare officer. The right of appointment is the date of death or recognition of the breadwinner as missing. Only two factors are required: the deceased’s length of service and the absence of an unlawful act on the part of the dependent that resulted in the death of the breadwinner.

The size of the SPC is part of the insurance pension and part of the PV. The amount of the benefit consists of the IPC, the number of insurance payments made to the Pension Fund, which were contributed by the employer, plus the PV determined by the legislation of the Russian Federation.

Pensions for military personnel from 01/01/2018 and persons equivalent to them

The basis for calculating the amount of payments is the amount of the SDS monetary allowance. Welfare can increase due to bonuses for length of service, indexations, and monthly increases. Also, the size of the welfare is influenced by the concepts of the calculated size of the RR. Payments determined by the Ministry of Defense, other law enforcement organizations, departments are calculated in the amounts of SDD, RR.

Types of pensions for military personnel

Payments are being made for military pensioners and persons equated to them in accordance with Federal Law No. 4468-1 of February 12, 1993. The Pension Fund of the Russian Federation is responsible for payments to military personnel, and the Ministry of Defense of the Russian Federation calculates pensions. There are 3 types of payments: for long service, disability and loss of a breadwinner.

Length of service affects the amount of payments and should be 20 years of experience in military service only or 25 years of mixed experience - military and civil service. When calculating based on mixed length of service, military service must be at least 12.5 years.

Formula for calculating military pensions

To calculate welfare, a reduction coefficient is used, the growth of which in 2021 is 72.23%. Formula for calculation: VP – SDD*NVL*T*PK. So: VP is a military pension in a finite amount, SDD is the amount of monetary allowance, NVL is a bonus for length of service, T is the interest rate on salary (depending on length of service), PC is a reduction factor.

Increasing pensions for military personnel - truth or myth

For now, news about increasing pensions for military personnel and other categories of pensioners is a myth. There are no budgetary funds for the next wave of indexation.

If the likelihood of pensions increasing from October, as was the case before, is not yet known. There has been no news from the government on this matter. Note that in 2021, due to the protracted economic crisis, there was no October increase in pensions.

In 2021, as we see, this increase took place later than usual - in December, former military and security officials received increased pensions for January 2021.

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