Average age pension in the Russian Federation for 2021 and the first half of 2019

The Pension Fund of the Russian Federation at the end of 2021 - beginning of 2021 informed that the average old-age pension in the country is at the level of 14.1 thousand rubles. This is in comparison with the level of salaries paid to Russians, which is about 40% of average earnings. At the same time, the social pension is much smaller, on average it is 9 thousand rubles.

According to the figures provided by the government, the rate of increase in pension provision for citizens exceeds the inflation rate by 2 times. So, in 2021 it was held twice in February and April.

According to the developed plan, by 2024 the insurance pension (SP) will reach 20 thousand rubles. In 2021, the old-age pension was increased by more than 7%, and the level of payment increased by an average of one thousand rubles - in total, the average insurance payment is about 15.1 thousand rubles.

Who gets this minimum?

That's who receives the minimum old-age pension in Russia - these are citizens who have work experience that is insufficient to receive a full-fledged work pension, those who have not accumulated official work experience.

Today, all those whose insurance experience is less than 12 years are assigned a social pension - a benefit designed to financially support people who do not have earned income in old age. A person has the right to receive such compensation under the combination of the following conditions:

• reaching a certain age: for men - 70 years, for women - 65 years (from 2021, as part of the pension reform, this age was raised: before the reform it came 5 years earlier);
• absence of work or other activity during which the person is subject to compulsory pension insurance.

Please note that the law sets a higher age for entitlement to social security benefits than for regular old-age pensioners.

A social benefit such as the minimum old-age pension in 2021 is quite small. From 04/01/2021, in accordance with the law on the budget of the Pension Fund of the Russian Federation No. 388-FZ dated 12/08/2020, its size will increase and amount to 5,796.76 rubles . But if the total amount of material support for a pensioner is less than the subsistence level in the region of his residence, then he is paid a social supplement from the budget up to the subsistence level.

If the regional cost of living of a pensioner, in turn, is lower than the federal one, then he will be provided with a federal social supplement. And if the regional amount exceeds the federal amount, then he will receive a regional social supplement. It is set in such an amount that the total amount of material support, taking into account additional payments, reaches the regional subsistence level of the pensioner.

Minimum size

There is no fixed concept of minimum pension in the legislation of the Russian Federation. The main condition when calculating the payment is that it should not be less than the minimum subsistence level for a pensioner accepted in a given region. If the accrued amount does not reach this amount, then local authorities seek funds to bring it to the level accepted in a given subject of the federation.

The social supplement is issued upon a written application from the pensioner to the Pension Fund, with supporting documents, about the discrepancy between the payment amount and the established minimum subsistence level for the pensioner. If a pensioner continues or resumes working, he cannot claim this social benefit. The increase in state payments by age is affected by:

1. When a citizen reaches 80 years of age, the state introduces additional subsidies.
2. Disabled dependents remain in the care of the pensioner: parents, children, grandchildren, adopted children.
3. State indexations were adopted by the amount of inflation or another coefficient approved by the government.
4. The pensioner begins again or continues to engage in official work.

When entering an insurance pension in the second half of 2021, you must work for at least 10 years and accumulate 16.2 points. And by 2022, these data will change to 15 years and 30 points. For civil servants the numbers are different:

If the citizen’s conditions are not met, then the insurance portion will not be assigned to him. The pensioner will receive social benefits from the state.

Indexation, or why almost no one receives the minimum pension

Until 2021, the annual indexation of pensions for all pensioners was carried out according to the same rules - the cost of pension points and the fixed payment simply increased by the indexation percentage. For example, at the beginning of 2021, pensions were indexed by 7.05% - or almost 1,000 rubles relative to the average pension.

The President of Russia found a solution - he announced new indexing rules. They started earning money only in mid-2021, but now we can say that almost no one in Russia receives the minimum pension

. It's all about the new indexing procedure:

1. First, the indexation amount is calculated. For example, with an estimated pension of 7,546.25 rubles, indexation in 2021 amounted to 498.05 rubles (6.6%);
2. then the pension increases to the subsistence level. That is, using the example of the Bryansk region, a pensioner is given 1,573.75 rubles of social additional payment, and receives 9,120 rubles;
3. the calculated indexation is added to the resulting amount. As a result, the total payment amount will be 9618.05 rubles.

That is, the amount of the pension, taking into account the new indexation rules, has not increased very much - but it is not the minimum pension

. Moreover, now the pension for all such pensioners will be different - everyone has different amounts of the calculated pension, and indexation is calculated based on it.

When the retirement age was increased in Russia in 2021, this law immediately included the amount of indexation of pensions until 2024. That is, knowing your estimated pension, you can now understand what amount of indexation will be added to it every year

:

• in 2021 – 6.3%;
• in 2022 – 5.9%;
• in 2023 – 5.6%;
• in 2024 – 5.5%.

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The numbers were selected so that every year the average pension in Russia increased by a thousand rubles. But this, unfortunately, does not apply to those who live on a minimum pension. Their pensions depend, first of all, on the cost of living, which depends on the price level of basic goods in the region

and in Russia as a whole.

With this system, funny (and actually sad) stories happen about how a pensioner gets an increase of 1 ruble from the beginning of the year. The fact is that when the calculated pension exceeds the subsistence level - even by 1 ruble

– the pensioner loses the right to this indexation scheme, and will have to wait another whole year before the next pension increase.

Maximum size

What maximum age pension will be accrued to each citizen of the Russian Federation depends on the following circumstances:

• number of complete years as of the date of issue;
• total work experience;
• the presence of a regional component when living or working in difficult climatic conditions, for example, in the Far North or equivalent regions;
• salary received over the years of work;
• pension contributions made;
• how many years the citizen worked while at retirement age.

If a pensioner who was supposed to go on vacation at the age of 65 or 60 continues to work, then the amount of the payment will increase taking into account the following coefficients:

It turns out that the longer a citizen continues his work activity after the official retirement age, the more he will receive from the state when he stops working.

Benefits and allowances

Pensioners belong to a socially vulnerable category, so the state has provided not only the payment of pensions, but also other support measures. These include:

1. Exemption from property tax for one property.
2. The right to a tax deduction when purchasing housing. If a pensioner works, then he has the right to submit an application to the tax authority for a refund of the amounts paid to the budget for the previous 4 years.
3. Exemption from paying land tax in the amount of up to 10 thousand rubles.
4. If you have a prescription from your doctor, a disabled person's benefit card or a pension card, you can buy medications at half the cost.
5. Preferential travel on public transport, if provided by local or regional authorities.
6. Compensation or benefits for utility bills. In some regions, pensioners receive a refund when paying for housing and communal services, in others it is necessary to prove that the pensioner is living alone or his financial capabilities classify him as a low-income citizen.

Some benefits are provided to pensioners automatically; to receive others, you must contact the tax authorities, MFC or housing and communal services representative offices.

Pensions in a new way: social and insurance

Since 2015, it has become increasingly important for Russian citizens to receive official wages, from which the employer makes contributions to all funds, primarily to the Pension Fund. The cumulative part of future payments upon reaching retirement age depends on this.

For those who are not retiring soon, it is important to understand which additional periods will be included in the length of service and which the Pension Fund will not count. This will include: periods of annual paid leave, sick leave, maternity leave until the child reaches 18 months, military service and other periods when contributions to the Pension Fund were made. Studying at a university is not included in the insurance period, as is the period of child care from 18 to 36 months, as well as time off, leaves without pay and periods of being unemployed, without official confirmation of the status of unemployed in the employment service.

When a citizen retires, the points he accumulated during his work are recalculated at the rate established by the state at that time. In 2021, a point costs 87.24 rubles; by 2023, the amount will increase and amount to 116.63 rubles.

To establish a social pension, when there is not enough length of service and points for insurance, a citizen will have to wait until the following age:

• 65 years for women;
• 70 years for men.

But such a transition is not envisaged immediately; in 2021, a social pension will be assigned to men aged 66 and women aged 61. And by 2023, the figures established by law will be achieved.

To receive a pension social benefit, a foreigner must have lived in the Russian Federation for 15 years and reached the age prescribed by legislators.

The size of the social pension in 2021, taking into account indexation, varies from 7.8 thousand rubles. in the Tambov region up to 19 thousand residents of Chukotka.

If a citizen has not accumulated points and experience, but his health does not allow him to work, then he has the right to apply for a disability pension. Single pensioners and disabled people who cannot care for themselves and have no one to look after them can arrange their own stay in nursing homes, and their pension will be spent on accommodation, food and care.

Recipients of social pensions should take into account that in the case of official employment, the state cancels the payment of preferential benefits to them. But this state of affairs will allow the pensioner to accumulate the points and length of service that are missing for calculating the insurance pension.

For pensioners who prefer not to depend on home delivery providers, it is more convenient to receive their government payments on a card. To do this, just select a suitable banking product, take the card account number and take it to the Pension Fund, where transfers will be made. Banks offer many loyalty programs for senior citizens through debit and credit cards.

Those who fly will be interested in cards with miles, or if they want to purchase goods in installments, installment cards are suitable.

about the author

Klavdiya Treskova - higher education with qualification “Economist”, with specializations “Economics and Management” and “Computer Technologies” at PSU. She worked in a bank in positions from operator to acting. Head of the Department for servicing private and corporate clients. Every year she successfully passed certifications, education and training in banking services. Total work experience in the bank is more than 15 years. [email protected]

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Factors influencing the size of the pension

After determining what the minimum old-age pension is in Russia, factors are identified that make it possible to increase the amount. First of all, this is experience.

To confirm it, entries in the work book and personal account extracts from the pension fund are used. Previously, if there were errors in the work book, it was necessary to contact the enterprise where the citizen worked.

Obtaining conclusions from the archive was mandatory. Today, thanks to various electronic databases, the procedure has been significantly simplified. When calculating length of service, the following are taken into account:

• Military service,
• care for babies up to 1.5 years old,
• caring for a disabled child,
• assistance in caring for a person with disabilities or a person over 80 years of age.

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But these periods are taken into account only in a situation where before that the person was officially working and making contributions to the Pension Fund.

The individual coefficient, the basis for determining the insurance part, also has an impact on the amount of monthly payments. For this purpose, a system of pension points was created. The more time the subject performs professional duties, the higher the number of these points. When you reach retirement age, they turn into money.

Today, the old-age pension is calculated using the formula:

• RP - Pension amount
• SCh - Insurance part
• LF - Cumulative part

Each of these payments is calculated using a special formula. For example, when calculating the insurance portion, the following is taken into account:

• capital designated on the day the pension was assigned,
• the time that the subject can presumably live after retirement,
• base payment amount.

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Among the conditions for receiving the minimum amount of assistance is the collection of various official papers. In addition to a passport and work book, when determining the amount, they have the right to demand:

• certificate of average monthly salary for the last 60 months,
• confirmation of dependents,
• a document confirming the validity of the change in passport information,
• confirmation of disability,
• residence form.

Some people may retire early. Typically these are workers in socially important industries:

• working in ports
• aviation employees,
• transport industry employees,
• firefighters,
• miners,
• persons operating in hot shops.

A law is being considered under which mothers of many children and guardians of disabled people will be able to retire early.

Thus, if you do not want to receive the minimum social pension, then you must have work experience. Then the pension will be higher. Today it directly depends not only on how long a person has been officially employed, but also on his white salary.

Last November, President of the Russian Federation Vladimir Putin signed a decree that became a new stage in the field of pension policy. The document was made public in 2021, it immediately caused a negative response not only from pensioners, but even young people. Criticism rained down on the Government, which has not subsided to this day.

We will figure it out and tell you how the regulation works and what to expect for citizens who are due to retire in 2021.

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Author of the article: Klavdiya Treskova

Consultant, author Popovich Anna

Financial author Olga Pikhotskaya