Old age pension in 2021

The draft budget of the Pension Fund of the Russian Federation for 2021 was adopted by the State Duma in the 1st reading. According to this document, the indexation of insurance pensions from January is planned at 6.3%.

This means that one pension point will cost 98.86 rubles. And the fixed payment (which is added to the insurance pension) will be 6,044.48 rubles. Thus, knowing the amount of points, you can easily calculate the size of your pension after indexation.

However, for those who work, it will be more difficult to receive at least the same amount of pension points into their personal account next year as this year.

The fact is that the value on the basis of which pension points are calculated is increasing (it is called the “limiting value of the base for calculating insurance contributions”).

According to the project presented by the Ministry of Finance of the Russian Federation, in 2021 this value will be 1,465,000 rubles (which is almost 13% more than in 2020).

The amount of insurance contributions received to the employee’s personal account for a calendar year is divided by 16% of the maximum base value for the same year and multiplied by 10. We obtain the amount of pension points earned in one year.

Since the base limit is used as a divisor in the formula, increasing it leads to a decrease in the final result.

In other words, with the same earnings in 2021, the employee will be awarded fewer pension points than in the current year 2021 - that is, earning points will become more difficult.

It must be taken into account that in 2021 the age will increase not only for the appointment of an old-age pension, but also for switching to other types of pensions.

In particular, disabled people are automatically transferred to an old-age insurance pension from the moment they reach retirement age.

But the age has also increased for them: in 2021, a disabled person will be transferred to an old-age insurance pension if he turns 61.5 years old (man) or 56.5 years old (woman), provided that he has 12 years of experience and 21 points .

Otherwise, he will remain on a disability pension. This is especially disadvantageous for disabled people of the 3rd group, since their pension lags behind the old-age insurance pension by at least 3,000 rubles (due to the difference in the fixed payment - Article 16 of Law 400-FZ).

Unfortunately, women under 56 and men under 61 will not be able to switch to their spouse's pension in 2021. The reason is still the same - increasing the retirement age.

To transfer to a pension for the loss of a breadwinner (i.e., a spouse), the retirement age in 2021 increased by 2 years, and in 2021 it is raised by 3 years.

Thus, the citizen only has to make inquiries about one parameter, namely, to find out how many points he has collected over the years of his work. This information can be easily obtained through State Services or on the website of the Russian Pension Fund. If a citizen does not have a confirmed record on State Services, then you can receive a report on the number of points earned at the Pension Fund of Russia branch. You will need to take your passport and SNILS with you.

Next, the individual simply substitutes the obtained values ​​into the formula and calculates the amount of the insurance pension. For example, a citizen decides to retire in 2021. Over the years, he has collected 100 points.

This means that the calculations will look like this: 100 (number of points collected) x 98.86 (price of 1 point) + 6044.48 (basic payout). It turns out that with such input data, the citizen’s conditional pension will be 15,930 rubles.

It should also be added that people with extremely high salaries should not count on an extremely high number of pension points. All citizens with incomes of 123 thousand rubles or more will be awarded the same number of points in 2021, namely 10.

When thinking about a future pension, citizens need to take into account their work experience. After 2025, the minimum length of service to receive an old-age pension is 15 years. Also, in order to qualify for a pension, a citizen must collect at least 30 points during his work.

If a citizen has collected a small number of points during his working life, then he has an excellent opportunity to correct the situation, ultimately ensuring himself a good level of pension. To do this, you just need to retire a little later. For example, a citizen, by law, can already claim pension payments, but he does not apply for money, continuing to work at his main place of work.

Depending on how late he comes to collect his pension, an incentive bonus will be formed. The most interesting offer from the state can be received by those citizens who are 10 years or more late with their pension. When calculating their pension, their basic payment will be increased by more than 2 times, as well as the amount of previously accumulated points. The pension can be quite significant.

With the help of such bonuses, the state keeps citizens in their jobs, solving the personnel problem, and also reduces the burden on pension reserves.

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An old-age pension is a type of insurance pension. Citizens receive it after reaching retirement age if they have sufficient work experience.

There is also an insurance pension for disability and loss of a breadwinner, but they are intended for other categories of disabled citizens.

What does the old age pension consist of?

Its amount consists of two quantities:

1Fixed payment (FV); 2Amounts of individual pension coefficients (IPC).

The resulting calculation formula looks like this:

SPst = IPC x SIPC + FV

where: SPst – old-age insurance pension; IPC – the number of accumulated individual pension coefficients; SIPC – the cost of the individual pension coefficient; FV – fixed payment.

Maximum old-age pension in 2021 St. Petersburg

Today, the minimum pension in Russia from January 1, 2020 is just under 5 thousand rubles. We are talking about social benefits in old age. Hello! I am now 54 years old, and in a month I am going to retire by age, as I will turn 55 years old.

This is interesting: Payments to an employee of the Ministry of Internal Affairs after dismissal upon receipt of disability

- application for a pension, - identification documents, age, place of residence, citizenship, - work record book, - insurance certificate of pension insurance (“green card” of the Russian Pension Fund).

How are old-age pensions assigned in 2021?

Old-age insurance pensions, the amount of which is below the pensioner’s subsistence level, will increase in January 2021 in accordance with the new indexation mechanism.

It provides an increase in payments even if the pensioner is entitled to a Social Supplement.

First, the pensioner’s income, including pension and other social benefits, is brought by the Social Supplement to the Pensioner’s Subsistence Minimum in the region of residence, and then an increase is established to this amount based on the results of indexation.

Thus, all non-working pensioners who are entitled to indexation receive an increase in payments in January.

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Once upon a time, from 2002 to 2014

, the pension was calculated very simply and clearly - all contributions of Russians were taken into account in special accounts and summed up, and the state added a certain percentage to them every year (that is, it compensated for inflation). And upon retirement, all the conditional money accumulated in the pensioner’s account was divided by the number of months of life expectancy - in 2002 it was 144 months, in 2014 the figure reached 228 months.

In addition to what was obtained from dividing the “savings” by the payment period, the pensioner also received the basic part of the pension - in 2014 it was 3,910 rubles.

Important: this is not a funded pension, but a regular labor pension (which later became an insurance pension). This money - pension capital - was taken into account conditionally, whereas in the case of a funded pension it was directly assigned to the future pensioner.

Pension coefficients are converted into rubles when a citizen receives an insurance pension. In 2021, each point “costs” 93 rubles, in 2021 it will already be 98.86 rubles. For everyone who is already receiving a pension, the value of their points will be recalculated automatically from January 1 (except for working pensioners - they will only do this if they are fired).

In addition, a fixed payment is added to the cost of points; in 2021 it will be 6,044.48 rubles.

Accordingly, the general formula will look like:

Pension = [number of points] * 98.86 + 6044.48

Let's look at examples of how pension points accumulated over a year will increase your future pension:

• An individual entrepreneur who pays only fixed payments. For 2021, his pension will increase by: 1,384 * 98.86 = 136.82 rubles;
• an employee who receives 50 thousand rubles per month: 4.095 * 98.86 = 404.83 rubles;
• an employee who receives 50 thousand rubles working for a small enterprise or individual entrepreneur: 2.953 * 98.86 = 291.93 rubles;
• an employee who receives a salary above 123,083 rubles: 10 * 98.86 = 988.60 rubles.

Thus, in 2021 no one will be able to earn an increase in their pension even by a thousand rubles. True, in 2022 the cost of a point will clearly go beyond 100 rubles - then the maximum increase will go over a thousand. However, prices over the same period will increase proportionally.

In 2021, the size of the fixed payment ( FV ) was 5,686.25 rubles. The indexation coefficient in 2021 will be 6.3% . This indicator applies to both the size of the basic pension and the cost of one pension point, which makes up the individual pension coefficient. In monetary terms, 6,044.48 rubles .

Those pensioners who receive a pension in an increased amount, or who use part of the base for calculation, can be conveniently calculated using the formula.

Basic part of the pension = FV x 1.063.

Pension points in 2021 – price, calculation

Article 17 of the Federal Law on “Insurance Pensions” lists the categories of pensioners who are entitled to an increased amount of the pension fund:

1. Persons who have reached the age of 80, if they have no dependents - 12,088.96 rubles.
2. Disabled people of group 1, without dependents - 12,088.96 rubles;
3. Pensioners under 80 years of age who have one disabled person dependent on them – 8,059.32;
4. Those who have 2 dependent people - 10,074.14 rubles.
5. Those who have 3 dependent people - 12,850.56 rubles.
6. Pensioners over 80 years of age with one dependent – ​​14,103.8 rubles;
7. Those with 2 dependents – 16,118.62 rubles;
8. The same with 3 dependents 18,133.45 rubles.
9. Persons living in rural areas with over 30 years of experience in the agricultural industry – 7,555.60 rubles;
10. Persons with 15 years of work experience in the Far North with a total experience of at least 25 years for men and 20 for women – 9,066.73;
11. Persons with 15 years of work experience in the Far North with a total experience of at least 25 years for men and 20 for women with 1 dependent – ​​12,088.96 rubles;
12. Those with 2 dependents – 15,111.19 rubles;
13. Those with 3 dependents – 18,133.45 rubles.
14. Persons over 80 years of age or with 1 disability group who have worked in the Far North, per 1 dependent - 18,133.45 rubles;
15. The same, for 2 dependents – 21,155.69 rubles;
16. The same, for 3 dependents - 24,177.92 rubles.

The insurance part consists of a fixed payment and individual pension capital.

The formula for calculating the IPC is: the cost of a pension point X number of accumulated points.

Points are awarded for length of service, and their number directly depends on the amount of insurance contributions made by the employer (tax agent). In addition, points are awarded for socially significant insurance periods. These include periods of caring for a child, or caring for a disabled person, a disabled child, etc.

In 2021, a pension point cost 93 rubles. In the new year it will increase, as will all basic indicators for calculating pension payments. The cost of a pension point in 2021 was 98.86 rubles . It is also indexed at 6.3% annually.

In order to calculate the amount of the insurance part of the pension, it is enough to apply a coefficient of 6.3% to the amount that the pensioner received in 2020. Persons whose pension was formed taking into account the funded part will be paid a bonus. Payments from the funded portion are calculated differently.

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The pension includes a fixed payment, so to calculate it you need to know the amount of this payment.

For everyone except disabled people, persons without dependents or without the right to early retirement, in 2021 the fixed payment is set at 6044.48 RUR. It will then increase:

• from 01/01/2022 - 6401.10 R;
• from 01/01/2023 - 6759.56 RUR;
• from 01/01/2024 - 7131.34 RUR.

The size of the minimum pension in Russia in 2021

• women over 60 years of age and men over 65 years of age who have at least 15 years of experience, which must be confirmed by entries from the work book, as well as the presence of an IPC of at least 30;
• representatives of small nationalities of the Far North (women - from 50 years old, men - from 55).

Life will tell whether this system will be successful. But experts are already predicting a decrease in labor pensions by 10.5% for citizens who were born after 1967 due to a number of incorrect measures regarding pensions. For example, pension savings frozen three times, although they saved a certain amount of money for the government, at the same time led to a deficit of more than 1.5 billion rubles this year. in the form of prolonged investments. Because of this, the growth rate of production has decreased, which cannot but affect social benefit payments.

09 Jun 2021 uristlaw 625

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Old age pension in 2021: what size will it be after indexation

Starting from 2021, there will be a complete transition to electronic work books (ETK). New employees will no longer be given their paper counterparts. If you wish, you can ask the employer in your application to leave the work report in its usual form, then it will be maintained on a par with the electronic one.

If you switch to the ETC, only entries starting from 2021 will be entered into it. But if the paper version suddenly gets lost, you will have to prove your experience by spending time and effort collecting certificates.

Therefore, starting from 2021, it will be possible to transfer all records to the electronic work book, and not just from January 2020. To do this, you need to send an application to the Pension Fund. The corresponding changes to the law are promised to be made by the end of the year. Information about your work experience will be available in the future on the State Services portal.

Deputy Chairman of the Federation Council Committee on Social Policy Elena Bibikova gave an interview to journalists of Russian media, in which she recalled: old-age pensions are awarded in Russia subject to the following three conditions:

• the citizen has reached retirement age;
• has the necessary insurance experience;
• has the required number of pension coefficients.

“In 2021, along with raising the retirement age, a gradual increase in the length of service and pension coefficients required for granting a pension will continue,” said Elena Bibikova. “If in 2020 this required 11 years of experience, and the pension coefficient was 18.6, then in 2021 you need to have 12 years of experience and at least 21 pension coefficient.”

✉ How to calculate a pension according to the IPC INSURANCE PENSION = THE AMOUNT OF YOUR PENSION POINTS * THE COST OF THE PENSION POINT in the year the pension was assigned + FIXED PAYMENT

or SP = IPK * SIPC + FV,

where: SP – insurance pension IPK – is the sum of all pension points accrued on the date of assignment of an insurance pension to a citizen SIPC – the value of a pension point in the year the insurance pension was assigned.

In 2021, SIPC = 93.00 rubles. Indexed annually by the state.

FV – fixed payment. Indexed annually by the state.

Thus, the calculation of the insurance pension in 2021 is carried out according to the formula:

SP = IPK * 93.00 + 5686.25 rub.

FV – fixed payment

• As of January 1, 2021 = 4805.11 rubles.
• As of January 1, 2021 = 4982.90 rubles.
• As of January 1, 2021 = 5334.19 rubles.
• As of January 1, 2021 = 5686.25 rubles

The minimum old-age pension in 2021 has been announced: it will be increased by only 120 rubles

It happens that a person was assigned an old-age pension, but its amount turned out to be lower than the pensioner’s subsistence level. Then he is entitled to an additional payment up to the regional “minimum wage”. It is correctly called “social supplement to pension” up to the pensioner’s subsistence level. The right to it arises when 2 conditions are simultaneously met:

This is interesting: If the distance from the fence to the house is less than 3 meters

It turns out that non-working old-age pensioners in Russia from January 1, 2021 should not receive less than 8,846 rubles. If the size of the insurance pension after indexation from January 1 is smaller, then the pensioner will be able to receive a federal supplement of up to 8,846 rubles. See “Where to apply for additional payment: to social security or the Pension Fund?” If the cost of living in the region is higher, then a regional surcharge is issued.

The size of the basic pension in 2021

Coefficients for calculating an insurance pension when applying for a pension is delayed after reaching retirement age:

Please note that under the new rules, retiring later will be beneficial! For each year of later application for a pension, the insurance pension will increase by the corresponding premium coefficients.

For example, if you apply for a pension 5 years after reaching retirement age, the fixed payment will increase by 36% and the insurance pension by 45%; if - 10 years, then the fixed payment will increase by 2.11 times, the insurance part - by 2.32 times.

Another feature: in 2025, the minimum total length of service to receive an old-age pension will reach 15 years. From 6 years in 2015, it will gradually increase over 10 years - 1 year per year.

Those whose total length of service by 2025 will be less than 15 years have the right to apply to the Pension Fund for a social pension (women at 60 years old, men at 65 years old). In addition, a social supplement to the pension is made up to the subsistence level of the pensioner in the region of his residence.

The second condition for assigning a pension upon reaching retirement age is the need to create pension rights in the amount of 30 pension coefficients.

The conditions for granting a disability and survivors' pension remain the same.

For citizens with work experience: disabled people of group I, citizens who have reached 80 years of age, citizens who worked or lived in the Far North and equivalent areas, the pension will be assigned in an increased amount due to an increased amount of a fixed payment, or the use of “northern” coefficients

As reported by the Pension Fund of Russia, the average pension after indexation will be 17,443 rubles. Topilin noted that annual indexation is enshrined in law. He also added that from February 1, monthly cash payments to various categories of citizens will be indexed by 4.9%, that is, to the inflation that prevailed at the end of 2020.

According to the head of the Pension Fund, the fund is currently continuing to work on timely verification of citizens’ personalized data - that is, more than 70% of pensions are assigned without a citizen’s request.

In 2021, Russia carried out a pension reform: then the retirement age was raised by 5 years (60 for women, 65 for men). But due to criticism of the reform, a transition period was established with a gradual increase in the retirement age. So, in 2021, women could retire at 55.5 years, and men at 60.5.

Here's who can retire in 2021:

• Women who turned 55 in the first half of 2021 . They will retire in the second half of 2021, when they will be 56 years and 6 months old.
• Men who turned 60 years old in the first half of 2021. They will become eligible for an old-age pension at 61 years and 6 months, that is, also in the second half of 2021.
• Women and men in the civil service who turned 55 and 60 years old in the second half of 2021 . They will receive the right to a pension no earlier than the first half of 2021 - at the ages of 56.5 and 61.5 years, respectively.
• In the first half of 2022, it will also be possible to retire at 56.5 and 61.5 years.

The pension cannot be less than the cost of living in the region. In Karelia it is 12,249 rubles. If your earned pension is less, then you are entitled to a social supplement, which is calculated without taking into account annual indexation. But only non-working pensioners or those registered as self-employed are entitled to such an increase.

Pension for mothers of many children

In 2021, mothers of many children will be able to use their right to early retirement for the first time on new grounds. This will affect mothers who have four children. In the second half of 2021, mothers of four children can retire at 56 years old - six months earlier than others. Mothers of three children will be able to use the benefit no earlier than 2023.

What determines the size of the old-age pension?

The parameters of pension provision are influenced by the official length of service - the period during which the employer made contributions to the Pension Fund. When calculating the maximum pension, it is important to take into account the following indicators:

• time to leave work after reaching the required age;
• salary in different periods;
• length of work experience;
• disability group;
• work experience in the North;
• presence of dependents;
• accumulated pension points;
• pensioner's age.

There are special features in the maximum old-age accruals for military personnel and persons equivalent to them - employees of the Ministry of Emergency Situations, the Ministry of Internal Affairs, the FSB, and other civil servants. Cash payments to pensioners are affected by the following indicators:

Maximum payments to retired military personnel who have reached the required age can be increased by receiving a second pension payment.

Its presence and size depend on the following factors:

• At least 5 years of work experience in civilian enterprises;
• deduction of insurance premiums by the employer;
• the number of individual pension coefficients (IPC) is at least 13.

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Region of residence

The maximum old-age pension depends on where the person lives. According to the law, when working in areas with special climatic conditions, a citizen has the right to retire earlier. This requires northern experience:

• women - 20 years old;
• men – 25;
• when working in difficult, hazardous conditions, these indicators are reduced by 5 years.

When determining the amount of an old-age pension, a fixed payment is taken into account. Its value in 2021 will be 5334.19 rubles. For persons living in the Far North and equivalent areas, increasing coefficients are applied:

Work experience after retirement

According to Federal Law No. 400 of December 28, 2013 “On Insurance Pensions,” a premium coefficient is used when calculating the amount of the old-age pension. It increases the fixed part (FP) of payments, IPC. Indicators determine the work experience of a pensioner after retirement:

Having disabled dependents

The amount of old-age pension payments can be increased for persons who are dependent on disabled citizens. The amount of the surcharge is one third of the fixed part. When calculating, only three persons dependent on the pensioner are taken into account. Payments increase by the following amount:

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Pensioner's age

Citizens who have reached the age of 80 receive additional payments. For them, the maximum amount of old-age pension depends on several indicators:

How to calculate old age pension

Many of us guess that local officials and heads are not in poverty, and with high salaries they strive to ensure a comfortable old age for themselves. The exact numbers are “classified,” but according to some data, a monthly benefit of 300 thousand suits many regional officials, and at the same time, the average pensioner in their city or region receives a maximum of 20 thousand.

The coalition of socio-political organizations “All-Russian Popular Front” conducted “reconnaissance in force” in certain regions, trying to find out how well those who leave the mayor’s chair will live in connection with their well-deserved retirement.

Thus, the maximum old-age pension in 2021 for some former heads of administration was (thousand rubles):

• 176 – Yekaterinburg;
• 184 – Rostov-on-Don;
• 245 – Novosibirsk;
• 248 – Khanty-Mansiysk;
• 260 – Ulan-Ude;
• 320 – Voronezh.

On a note! Among the mayors who will not have to live from scratch, the study mentioned the governors of Penza, Rostov, Chelyabinsk, Astrakhan and Leningrad regions.

How long it is necessary to work for the benefit of the citizens for the maximum old-age pension to become a reality, officials decide for themselves - in some places it takes 5 years to stay in office, and in others a year is enough.

The Public Front report notes that even federal officials can expect to receive significantly less old-age benefits than “local bosses”:

• former deputy chairman of the government at best for 88 thousand rubles;
• the ex-minister will have to live on 78 thousand;
• ex-deputies - 18 thousand plus a special allowance, the maximum amount of which does not exceed 77 thousand.

On a note! More than 20 years of parliamentary experience of Vladimir Zhirinovsky and Gennady Zyuganov allows them to count on a pension of 61 thousand rubles.

A separate category of people receiving state benefits are people who, with their lives, have earned the right to live with dignity in old age:

• Heroes of Russia;
• participants in the liquidation of major man-made accidents (for example, Chernobyl);
• heroes of social labor;
• veterans of the Great Patriotic War.

It is worth mentioning military pensioners with long years of service, whose benefits are one and a half to two times higher than the average pension in the country. According to unofficial data, the pension of retired test pilots and military judges is approaching 100 thousand. Disabled war veterans with extensive work experience have an average of 50 thousand rubles.

The maximum old-age pension in Russia is also paid to some Muscovites, who belong to the same privileged categories as throughout the country.

It is interesting that the capital’s ex-mayor Yuri Luzhkov always answered questions about his own pension evasively, without giving a specific figure, but noting that his benefit was approximately half that of his colleagues from other regions.

On a note! The average capital pension in 2021 is 12,115 rubles.

High pensions are also paid to former employees of large corporations. Only a small part of the monthly benefit is transferred by the Pension Fund. The rest is the management of the company in which the person worked for a long time, held a high position in it or is its founder (shareholder).

For example, many would like to work for Gazprom in order to receive, along with other corporate privileges, a “Gazprom pension,” but its maximum amount is not mentioned anywhere.

On one of the forums we managed to find the real story of a pensioner from Yekaterinburg. The woman worked in the North for 30 years at one of Gazprom’s subsidiaries. She did not hold the position of a top manager, but worked as an ordinary employee in the repair and maintenance area of ​​main pipelines. Her monthly pension is 44.4 thousand rubles:

• 21 thousand - paid by the Pension Fund;
• 17 thousand - additional payment from the non-state PF "Gazprom";
• 4.6 thousand - transferred by the employer himself;
• 1.8 thousand rubles. - governor's allowance.

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Starting from 2021, the assignment of benefit payments to those who went on vacation after reaching age has a number of features. It is planned to raise the retirement age, which today is: 56 years for women, 61 years for men.

At the time of retirement, a person applying for social security must have work experience. The planned reform plans to increase the minimum working age from 8 to 15 years. When determining the amount of payments, the availability of “pension” points will be taken into account. In order to be able to receive support from the state upon reaching a certain age, the minimum number of points today must be at least 21. This figure will gradually increase. For those who will retire in 2025, the minimum number of points should not be less than 30.

Since the formula for calculating pensions is imperfect, the Government tries every year to find the optimal approach to determining the amount of benefits. Previously, after working for many years and earning a large pension benefit, a person could count on modest security. To eliminate such injustice, a calculation formula has been introduced. It includes the following indicators:

• fixed payments established for all citizens retiring. This indicator will be recalculated twice a year depending on the inflation rate;
• personal coefficient, which depends on the amount of insurance payments paid by the employer for the period of work of the person applying for a pension;
• bonuses for hard work. For each year worked beyond the established minimum length of service, bonuses will be awarded that increase the fixed amount of the pension.

The formula for calculating the pension assigned upon reaching retirement age will consist of a fixed amount, personal points, determined depending on the number of years worked in excess of the minimum length of service. In addition, fixed payments and accrued points will be indexed, which will provide elderly people with a secure old age.

Starting from 2021, the following parameters will be taken into account when calculating the old-age pension:

• salary amount;
• years of work;
• time to go on vacation;
• pension points.

The amount of the fixed benefit established at the legislative level will depend on the indexation carried out in February (mandatory) and April (additional).

In addition, according to the current legislation, the fixed income of older people can increase in cases of disability of the pensioner, if he is already 80 years old, if the person applying for a pension worked in the Far North.

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How much will the pension increase in 2021: examples of calculations

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The old-age pension will be increased in the form of indexation. This means that payments will increase by the same percentage (6.3%) for all non-working pensioners receiving such pension benefits. To calculate what pension old-age pensioners will have in 2021, you can simply multiply its current size by the index 1.063.

If we calculate the size of the increase in the relative average old-age pension in Russia, it turns out that on average they will increase by about 1000 rubles : 16470.15 × 1.063 = 17507.77 rubles. This exactly fits into the concept of the Government of the Russian Federation, which consists in an annual increase in pension provision by 1000 rubles in the period from 2021 to 2024.

Many people cannot understand the rules by which pensions are calculated in Russia. In the USSR, and then in Russia, several laws were in force that determined the procedure for assigning pensions.

Currently, when calculating pensions, the norms of two main laws are taken into account:

• Federal Law “On Insurance Pensions” dated December 28, 2013 N 400-FZ;
• Federal Law of December 17, 2001 N 173-FZ “On Labor Pensions in the Russian Federation” .

According to the law of 2013, pensions began to accrue on January 1, 2015 . Moreover, when calculating pensions for periods before 2015, this law refers to the law of 2001.

“insurance pension” is currently used , and the concept of “labor pension” was used previously. Accordingly, insurance experience is now used, and the concept of work experience, including continuous, is a thing of the past.

The current law 400-FZ allows, when determining length of service, to take into account the rules in force at the time the length of service was formed. Therefore, when calculating a pension, several laws must be taken into account.

For example, if a woman studied at college after school from 1976 to 1978, then worked from 1978 to 1983, was on maternity leave from 1984 to 1986, and then worked until 2004, then the periods of study and parental leave the child’s work experience will be taken into account according to the rules of the USSR (the law of 1972 and the Labor Code), and work since 1992 will be counted according to Russian laws.

The main type of pension in Russia is an old-age insurance pension. At the same time, a similar calculation procedure applies to insurance pensions for disability and survivors (some coefficients differ). Note that labor pensions, which were calculated according to the rules before 2001, continue to be paid in the same manner.

Other types of pensions - social, military and state - are approved according to different rules. For example, social pensions are determined by law in fixed amounts, and military pensions - as a certain percentage of salary.

Therefore, it is worth considering the rules by which pensions are calculated for those citizens who are retiring now.

In order to take into account when calculating a pension the periods in which a person worked before the law came into force, this law includes not only insurance contributions in the pension capital, but 2 more elements:

• estimated amount of pension capital;
• valorization amount.

These 2 elements are included in the calculation as of January 1, 2002.

Having summarized all the rules for calculating an insurance pension, we will show how all these rules are applied in practice.

Let's take the following conditions for calculation:

• man born in 1958, retiring in 2021;
• The length of service includes the following periods (37 years in total):
• from 1976 to 1978 – military service;
• from 1978 to 1983 – study at the institute;
• from 1983 to 1992 – work;
• from 1996 to 2009 – work;
• from 2010 to 2021 – work.
• salary details:
• there is a salary certificate for 60 months in 1985-1989 (286 rubles);
• there is a salary certificate for 60 months in 1996-2001 (1,425.25 rubles);
• average monthly salary in 2000-2001 – 1,752.14 rubles;
• information about insurance premiums:
• from 2002 to 2014, insurance premiums received amounted to 422,584.8 rubles;
• in 2015, insurance premiums received amounted to 135,960 rubles;
• in 2021, insurance premiums received amounted to 135,960 rubles;
• in 2021, insurance premiums received amounted to 135,960 rubles;
• in 2021, insurance premiums received amounted to 135,960 rubles;
• in 2021, insurance premiums received amounted to 135,960 rubles.

First you need to calculate the amount of pension capital as of the beginning of 2002.

Indicators	Calculation	Explanation
Seniority coefficient	Option 1: SK=0.55 (less than 25 years of experience) Option 2: SK=0.55+(26-25)*0.1=0.56	According to the first option, study is not included in the length of service, but according to the second it is included
Ratio of average salary to the national average	1) 286/223,18=1,28 2) 1425,25/945,15=1,51	Both are greater than 1.2, so we take 1.2 into account
Estimated pension according to option 1	0,55×1,2×1671=1102,86	This option is more profitable
Estimated pension according to option 2	0,56*1752,14=981,20 (555,96)	You can only count 555.96 rubles
Pension capital for periods up to 2001	(1102,86-450)×144=94011,84	Next, we calculate the amount of valorization according to the most profitable option
Valorization amount	94011,84×(0,1+0,16)= 24443,08	By 1991 there were 16 years of experience
Total pension capital and valorization amount for periods up to 2001	94011,84+24443,08=118454,92	Taken into account in further calculations

* average salary in 1986-1990 and 1996-2001 taken from official statistics

The next step is to calculate the amount of the insurance pension without taking into account the base part as of December 31, 2014. To do this, we will add the amount received above to the insurance premiums for this period, and also take into account indexation . Since the amount is indexed every year, the coefficient is calculated taking into account annual contributions:

as of 01/01/2003: there is capital until 2001 in the amount of 118,454.92 rubles, as well as insurance premiums in the amount of 12,500 rubles. The amount is indexed by a coefficient of 1.307 and amounts to 171,158.08 rubles;

as of 01/01/2004: contributions for the year amounted to 17,300 rubles, the total amount is indexed by a coefficient of 1.177, resulting in capital of 221,815.16 rubles, etc.