Work experience through State Services: how to find out information and why it is needed

Instructions for issuing an extract

The simplest method of obtaining data is to go to the State Services portal and authorize. Information is offered exclusively to the direct person, so an identified account is required.

Thanks to the portal you can obtain the following data:

the exact amount of savings formed through transfers from employers;
the amount paid monthly by the management of the company where the person works;
coefficient that will be used when calculating the pension;
length of work experience;
pension amount;
organization managing the account.

Information about experience is provided completely free of charge, so there is no need to pay a fee. The process of obtaining data is divided into stages :

Registration on the portal. To do this, the details of the passport, INN and SNILS are indicated, as well as the place of registration, year and place of birth, full name and contact information. To confirm the procedure, enter a one-time code that is sent to your phone. It is advisable to come up with a strong password that protects your account from scammers.
Confirmation of the account, for which you need to use Sberbank Online or visit branches of the Pension Fund or other government agency.
After registration and identification, you must log in to the site. On the main page of the portal there is a catalog of all services offered. Among the list presented, you need to find a section called “Pension, benefits and benefits.” A list of all services opens, among which you need to find “Notice on the status of your personal account.” A new page provides a description of this service.
Formation of a request. It is advisable to study all the information offered, after which you click the “Get a service” link, which is located at the bottom right. Afterwards, a page opens that contains information about the experience. The notice can not only be studied, but also received electronically by downloading to a computer or sending to your email. Such documentation has legal value, but in printed form cannot be transferred to other institutions.

If a citizen, after receiving the data, understands that the Pension Fund contains unreliable information about work experience, then he must request certificates from all official places of work, after which they are transferred to representatives of the fund. If the company where the person worked is already closed, then you can contact the archive or the legal successor. Based on this documentation, PF employees make the necessary adjustments to the register.

Important! Former employers are required by law to issue certificates of length of service to dismissed employees within three days.

Why do you need information?

Any person may need information about their work experience for various reasons. This is usually necessary for the following reasons :

calculation of future pension;
determining the possibility of receiving a preferential pension, since some categories of citizens working in specific conditions go on vacation several years earlier than other persons;
calculation of the exact number of years that must be officially worked in order to receive payments from the state.

Reference! The process of applying for an insurance pension is available only to citizens whose work experience exceeds 15 years, so if a person chose to work unofficially for a long period of time, then with the help of an extract he will be able to find out whether he is entitled to state benefits.

When calculating length of service, not only work activities are taken into account, but also other work useful to society. This includes entrepreneurship if it independently makes insurance payments for itself, work in a foreign country, military service, as well as periods of incapacity and sick leave. The experience includes public work, the period of caring for an elderly person, as well as the time when the woman lived in a military camp with her military husband.

If a citizen has not accumulated the required number of years of experience by the age of 60 or 65, he will not be able to apply for an insurance pension. The social payment is assigned after another 5 years, and its size is equal to the subsistence level.

The length of service does not include time spent studying at a school or other educational organization, caring for guardians or parents infected with HIV, spouses of politicians living in another state, as well as the period when the person was in a concentration camp or besieged Leningrad.

How to calculate your pension yourself

You can personally try to determine the amount of due old age pension payments if you think that your pension has been calculated incorrectly. For this you will need a calculator.

It is important to understand that the calculation will only be approximate.

Only a Pension Fund specialist can tell you the exact amount of the old-age pension after studying the payment file.

Payments are calculated by age, taking into account the following data:

Salary data. You can get them from your employer. If the company is liquidated, you should order a certificate from the archives. To do this, you need to personally contact the appropriate organization. It is impossible to obtain such information on the Internet.
Duration of official work activity. You can check the information using your work record book.
The presence of non-insurance periods - times when you did not work for objective reasons. For example, they were on maternity leave or served in the army.
Retirement age.

Old age pension formula

When calculating the old age pension, the formula is used:

SPS = FV x PC1 + IPCtot. x SPB x PK2 + NChP, where:

SPS – the amount of accrued old-age insurance pension.
FV - the amount of the fixed payment at the time of calculation of the pension (in 2021 - 5,334.19 rubles).
PC1 and PC2 are increasing coefficients. Rely on later retirement. You can view them in Law No. 400-FZ “On Insurance Pensions” (December 28, 2013). When a pension is assigned at the generally established age, they are equal to 1.
IPKobshch . – the number of pension points for the entire period of work.
SPB - the cost of one SP at the time of recalculation of the old-age pension (in 2021 - 87.24 rubles).
NPE is the funded part of the pension, if you formed it.

In order to calculate the pension according to the IPC, you need to know that in different periods different formulas were used to determine the number of PB. This is due to the ongoing pension reforms. Conventionally, working time is divided into 3 periods:

until 2002;
from 2002 to 2015;
after 2015.

Based on this, IPKobshch. can be defined as:

IPKobshch. = IPK2001 + IPK2002–2014 + IPK2015 + IPKnon-insurance, where:

IPK2001 - the number of PB earned during Soviet times and up to January 31, 2001 inclusive;
IPK2002–2015 – number of points from January 1, 2002 to December 31, 2014 inclusive;
IPK2015 – the number of PB accrued starting from 2015.
IPC non-insurance – the number of pension points for non-insurance periods.

Calculation of points for calculating pensions

You can view your pension points online. To get started, you should go to the Pension Fund website. There you can use a special calculator. To independently determine the amount of your old-age pension, adhere to the following formulas:

Until 2002. The amount of pension capital is divided by the cost of 1PB as of January 2015 (64.10 rubles).
From 2002 to 2015. The insurance part of the pension is divided by the cost of 1PB as of January 2015 (64.10 rubles).
Since 2015. All insurance contributions from your paycheck are automatically converted into points. To do this, the received amount is divided by the standard amount of contributions to the insurance pension. It is 16% of the maximum contributory earnings, which is determined by the Government of the Russian Federation annually). The total value is multiplied by 10.

Please note that the maximum IPC is limited by law. Regardless of your accrued salary, you are entitled to no more than:

7.39 PB for 2015;
7.83 for 2021;
8.26 for 2021;
8.70 for 2021;
9.13 for 2021

For each full year related to non-insurance periods, 1.8 PB must be accrued for the following circumstances:

compulsory military service;
caring for a disabled person of group I, a pensioner over 80 years old or a disabled child;
detention if the citizen is subsequently rehabilitated;
being with a military spouse in an area where it is impossible to get a job in your specialty (maximum 5 years);
residence outside the borders of Russia, if the spouse is a representative of embassies, diplomatic missions (no more than 5 years).

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The number of PB accrued for each year of caring for a child until the child turns 1.5 years old depends on the child’s birth order:

for the first – 1,8;
for the second – 3,6;
for the third and fourth – 5,2.

Time limit for processing a request and providing data

The statement is provided instantly after submitting the appropriate request. It is issued electronically and also contains information about all places of work of the citizen. If the necessary information is missing, this indicates that the employer did not have time to transfer information to the PF employees or failures occurred.

The extract is signed with the digital signature of a fund employee, so the electronic document is similar to a paper one. Alternative ways to obtain information include visiting a Pension Fund branch or using your personal account on the institution’s website.

Where to check the accuracy of the accrual

You can find out whether your old-age pension has been calculated correctly in several ways:

contact the relevant authorities personally or through an authorized representative;
via the Internet;
submit a written application (petition) by registered mail.

Where to go

Checking the accrual of old-age pensions is possible in the following organizations:

Regional branch of the Pension Fund of Russia . You need to come to the customer service and write a corresponding statement. Among the documents you need to have with you, you must have a passport and SNILS.
Multifunctional center (MFC) . Here you will be asked to fill out an application, to which you will need to attach your passport and SNILS.
The bank where your pension is deposited. You need to go to the nearest branch at your place of registration. There you will be asked to write an application to gain access to this service in your personal account. You should have your passport and SNILS with you. Please note that this method is suitable if the bank has an agreement with the Pension Fund of Russia. Such institutions include Sberbank, VTB, Uralsib.
Place of work. To obtain the correct information, you need to contact the accounting department.
Non-state pension funds. Here, when you apply, you will be provided exclusively with information on the funded pension, which you form yourself or your employer does for you.

Application to verify the correctness of pension calculation

When you contact the Pension Fund or MFC, you will be given an application form. It must contain your personal information correctly. Next, ask to check the correctness of the pension calculations made. The specialist must make a note about acceptance of the application, after which it is sent for consideration.

5 days are allotted for this. You must be notified of the results of the inspection in the manner specified in the application. The amount is revised automatically if discrepancies are identified.

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