Old-age pension without work experience: size, conditions, design

In Russia, when taking legal retirement due to age, the amount of the accrued pension benefit directly depends on the number of contributions transferred to the Pension Fund.
The right to receive an insurance pension arises only if you have a certain number of years of insurance experience.

However, some citizens, for various reasons, do not have a sufficient number of years of work.

Such persons can count on a social pension, which is determined by law.

The legislative framework

All the nuances regarding how the minimum pension is calculated and calculated are determined by the current regulatory documents, which are shown in the table below.

The above legislative documents are fundamental in regulating pension accrual issues.

However, they can be supplemented by other regulatory documents of individual regions.

All the nuances of how the minimum pension is calculated and calculated are determined by the current regulatory documents

Social pension amount in 2020

Minimum income depends on the cost of living adjustment. For seniors, it rose by 2.4 percentage points. The amount of payment from the federal budget amounted to 5.3 thousand rubles.

It is worth separating the financial assistance that is provided to different groups of the population. The amount may vary significantly:

What basic information do you need to know?

The current legislation defines two types of pension benefits that are paid in Russia.

These are:

• Labor - depends on the number of years worked and the amount of fees paid to the Social Insurance Fund. The longer the insurance period and the higher the official salary, the larger the insurance pension will be;
• Social – accrued in the absence of a sufficient amount of insurance experience to calculate a labor pension. Its size is minimal and is established by federal legislative documents. Also, it is prescribed in case of incapacity or loss of a family breadwinner.

Russian citizens may not have enough insurance experience for the following reasons:

• Deviations in the state of health that do not allow working;
• If a person does not work officially and regular contributions to the Social Insurance Fund are not made for him;
• Due to other circumstances.

Federal regulations define the basic conditions under which you can receive an old-age pension without having any work experience.

All of them are shown in the table below.

In addition, the laws of the Russian Federation establish rules according to which you can retire early. This opportunity is provided when carrying out official work activities in conditions that are harmful to health or life-threatening.

If a person without work experience gets an official job, then the right to receive such benefits ceases at the same moment.

The principle on which the social type of payments is presented

Social benefits are paid from several sources. In this case, funds from the compulsory insurance fund and the state treasury can be used. State support is allowed only when a person cannot obtain a preference at the expense of the fund.

State aid is tied to basic support, through which a person can meet minimal needs. It is reflected in the PM indicator established in the constituent entities and for the Russian Federation as a whole. If the regional indicator exceeds the national level, then the beneficiaries have the right to count on additional payment from the subject’s budget.

The Federal Treasury contains funds that are used for indexation. Funds are provided for 20-21. The subsidy amount will increase by 3.9% and 2.7%, respectively. Indexation concerns only the assistance provided from the federal budget. Subsidies for length of service and old age increase according to a different principle.

What periods are included in the calculation of labor pension?

Before applying for old-age benefits in the absence of insurance coverage, it is necessary to determine which period of activity is taken into account as labor.

According to current legislation, the following periods of time are counted as official length of service:

• Serving in the military forces of the Soviet Union or Russia;
• Staying on maternity leave to care for a child for up to one and a half years (however, not more than a total of 6 years);
• If a person registered with the labor exchange and was officially listed as unemployed;
• In case of illegal imprisonment in places of deprivation of liberty, if after this the citizen was rehabilitated and the sentence was annulled;
• When caring for a sick relative. As an example, these are persons with the first group of incapacity, or children with disabilities;
• The period of residence with a military spouse in a garrison, but not more than 5 years.

All of the above periods are included in the calculation of the labor pension if the person was officially employed for at least a short time before or after the above-mentioned time periods.

If the citizen has never been officially employed in his entire life, then the citizen is recognized as having no work experience and can rightfully count on receiving a social pension payment.

Before applying for old-age benefits in the absence of insurance experience, it is necessary to determine which period of activity is taken into account as labor

Special conditions for calculating pension length for military wives

Military wives have great privileges

Wives of military personnel enjoy some privileges compared to other categories of citizens.

At the legislative level, they have a different procedure for calculating length of service to establish a pension. Frequent moves from one military unit to another do not contribute to the accumulation of seniority.

In small garrisons it is generally impossible to get a job in a number of narrow specialties.

Therefore, in order to accrue an insurance pension, wives of military personnel must have a minimum work experience of six months, having lived in a military unit for five or more years, or been on maternity leave for 1.5 or more.

According to Federal Law No. 76, the period of time until 1992 of being in a military unit together with a spouse serving is included in the total length of service. Everything that relates to the period after 1992 must be confirmed through registration with the employment service.

Minimum age to receive an old-age pension without work experience

The age categories at which a citizen can apply for benefits without work experience are divided into two subcategories:

• General;
• Special.

For each Russian citizen, regardless of the region of residence, the general length of service applies.

Its minimum standards are given in the table below.

In addition, early retirement is possible for residents of the Far North and equivalent territories. This is due to the fact that they live and work in difficult climatic conditions.

Age standards for such persons are given in the table below.

For each Russian citizen, regardless of the region of residence, the general length of service applies.

Accrual

If there is no work experience, we found out what the pension will be earlier. Now it’s worth talking about the calculation of these payments. When making pension payments, a number of conditions are taken into account:

1. Payments are indexed every year. The coefficient is determined according to the increase in the cost of living.
2. In the Far North and in those areas that are equated to it, an additional coefficient has been introduced that applies to all types of pensions. If a citizen changes his place of residence, the old-age pension is recalculated.
3. If a citizen received disability payments, he cannot receive a social pension in smaller amounts.

How much will the pension be if there is no work experience?

The amount of funds provided to citizens who have not carried out official labor activities depends on a large number of different factors. If the applicant does not have sufficient work experience, then he is entitled to a social pension in the minimum amount of 5034 rubles.

In addition to the insurance period, the amount of payment directly depends on the factors given in the table below.

As an example, the pension payment in 2020 was indexed by a coefficient of 1.03, which established the average pension in the Russian Federation in the amount of 8,500 rubles.

Old-age benefits without work experience increase in size when a person reaches 80 years of age.

And in Moscow, a pension upon reaching a certain age without working experience is accrued on general terms.

Social pension amount

The amount provided by the state is directly indicated by Law No. 166-FZ.

Table 2. Amount of pensions for various categories of persons

Mandatory indexation of pensions is carried out together with other non-working pensioners on April 1 of each year. It is possible to use regional coefficients and modifiers.

Important! When assigning a social pension after disability insurance, its size cannot be reduced.

Differences in case of disability due to military injury or received during military service

The calculation of the social pension is not tied to the subsistence level and does not depend on the point system introduced by the Pension Fund several years ago. Therefore, the amount of payments and the growth of pensions during indexation will always be noticeably less than that of the insurance category.

Benefits for mothers of many children upon retirement

In a situation where a mother who is raising children alone does not have work experience, she cannot count on receiving any kind of government preferences. To obtain the right to early retirement, a mother with many children must give birth to at least 5 children.

In addition, you will need to comply with certain additional conditions that will allow you to receive an old-age pension.

Federal regulations establish requirements that are listed in the table below.

Such women must officially register the status of “single mother”. Mothers of many children should not have problems with guardianship authorities, which may limit maternal rights to their children.

To obtain the right to early retirement, a mother with many children must give birth to at least 5 children.

Documentation

If a person has never worked and has no official income, he can still count on money, albeit small. There is no need to worry whether non-working people are entitled to a pension. To apply for it, you should contact the Pension Fund, which is located at your place of permanent registration. You cannot apply to any branch, otherwise your application for a pension will be denied. If you do not have experience, you will need to prepare the following documents.

1. Passport of a citizen of the Russian Federation. Another document that replaces an identity card will also work.
2. Citizenship document.
3. SNILS.
4. Help if you live in the Far North. It is necessary to confirm that you belong to the small nations living in the Far North. This document will allow you to receive payments 5 years earlier.

Important! To receive an additional pension (for example, due to the loss of a breadwinner), you must provide other documents. All certificates should be prepared in advance.

If a person did not work, what pension will he have in different regions of the country? People who live in Moscow and have permanent registration can count on bonuses. To do this, you will need to prepare more documents - it depends on them whether there will be additional payments:

• certificate of family composition;
• a certificate confirming that the citizen belongs to a disability group.

In some regions there are local allowances for those pensioners who were once unemployed. These payments help people reduce their utility bills and live in dignity. A non-working person should not worry whether he will receive a pension.

How to apply?

This type of benefit is provided on an application basis. Each candidate will need to provide a certain list of documentation to the authorized authorities at the place of residence.

According to current legislation, the applicant must provide the following list of papers:

• A completed application requesting an old-age pension without work experience;
• Passport of a citizen of the Russian Federation;
• Certificate of residence and registration;
• Documents confirming residence in Russia for at least 15 years;
• Certificate from the medical expert commission confirming the assignment of disability (if any);
• Papers that confirm the loss of the breadwinner and the presence of family ties with him (if any);
• Documents confirming membership in the peoples of the Far North (if any).

All of the above documents must be submitted to the local Pension Fund or Multifunctional Center. Civil service employees may rightfully request additional documents if necessary.

After government agency employees accept documents for processing, the application is reviewed within up to 3 months. During this period, employees of the structures check the accuracy of the documentation provided.

If approved, the old-age pension will be calculated from the date of submission of the full package of documents to the government agency, taking into account all indexations.

If the decision is negative, a reasoned refusal is issued in writing. If the applicant is refused without explanation, then you can rightfully apply this document to the court for further proceedings.

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About deadlines

10 days are set for studying documentation on the accrual of payments for pensioners. During this period the following is carried out:

1. Set the payment amount.
2. The person is provided with a response about the refusal, and the reasons must be indicated.
3. The deadlines for appealing and what methods are established.

In a practical example it works out like this:

1. Documentation is studied by employees directly at their workplaces.
2. If in doubt, seek clarification.
3. Additional documents must also be submitted.
4. There are almost never any refusals.

The purpose of payments is carried out:

1. Starting from the first month after applying and registering the application.
2. If the right to commence in the presence of disability benefits has occurred.

Old age payments are assigned:

1. Indefinitely until departure to another world.
2. Every month.

If this is necessary, the pensioner has the right to entrust the receipt of funds to another person.