The insurance pension is calculated individually. It depends on the length of service, the average monthly earnings of a citizen during his working life, accumulated pension points and the amount of insurance contributions. When determining the size of the pension, actual earnings for 2000-2001 are taken into account according to individual records in the compulsory pension insurance system. If during this period the salary was small or the person did not work, to calculate the pension he can provide a salary certificate for any consecutive five years (60 months) of work before January 1, 2002.
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How to calculate the average monthly salary coefficient?
To calculate the average monthly salary coefficient (AMS), you need to calculate the ratio of your average salary for the selected period (any 60 consecutive months until 01/01/2002) to the average monthly salary for the same period.
Average monthly wages from 1960 to 1990
Year | Average salary | Year | Average salary | Year | Average salary | Year | Average salary |
1960 | 73,1 | 1968 | 110,9 | 1976 | 154,2 | 1984 | 193,2 |
1961 | 77,1 | 1969 | 115,6 | 1977 | 159,1 | 1985 | 199,2 |
1962 | 80,9 | 1970 | 121,2 | 1978 | 164,4 | 1986 | 206,1 |
1963 | 82,4 | 1971 | 125,6 | 1979 | 168,4 | 1987 | 214,4 |
1964 | 86 | 1972 | 130,4 | 1980 | 174 | 1988 | 233,2 |
1965 | 92,5 | 1973 | 136,2 | 1981 | 178,3 | 1989 | 263 |
1966 | 97,2 | 1974 | 143,2 | 1982 | 184 | 1990 | 303 |
1967 | 102,5 | 1975 | 148,7 | 1983 | 188,3 |
Average monthly wages from 1991 to 1997
Month | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 |
January | 308 | 1438 | 15,3 | 134,2 | 302,6 | 654,8 | 812,2 |
February | 294 | 2004 | 19,1 | 144,7 | 321 | 684,4 | 821,2 |
March | 337 | 2726 | 23,6 | 164,8 | 361,5 | 745 | 902,9 |
April | 373 | 3052 | 30,6 | 171,4 | 386,2 | 746,5 | 901,1 |
May | 438 | 3675 | 37,5 | 183,5 | 429,9 | 779,3 | 919,7 |
June | 493 | 5067 | 47,4 | 207,5 | 480,6 | 837,2 | 993,2 |
July | 541 | 5452 | 56 | 221 | 499,5 | 842,8 | 999 |
August | 548 | 5876 | 65,4 | 232,8 | 520,6 | 831 | 982 |
September | 613 | 7379 | 80,9 | 253,8 | 564,5 | 848,1 | 1026 |
October | 703 | 8853 | 93 | 253,2 | 594,5 | 843,3 | 760 |
November | 839 | 10 576 | 101,5 | 265 | 615,7 | 835 | 760 |
December | 1195 | 16 071 | 141,2 | 281,6 | 735,5 | 1017 | 760 |
Average monthly wages from 1998 to 2001
Month | 1998 | 1999 | 2000 | 2001 |
January | 760 | 923 | 1194 | 1523 |
February | 760 | 793 | 1324 | 1523 |
March | 760 | 837 | 1254 | 1523 |
April | 760 | 851 | 1257 | 1724 |
May | 760 | 851 | 1257 | 1653 |
June | 760 | 851 | 1257 | 1635 |
July | 760 | 969 | 1413 | 1896 |
August | 760 | 787 | 1411 | 1550 |
September | 760 | 1180 | 1325 | 1567 |
October | 760 | 1157 | 1528 | 1671 |
November | 760 | 1281 | 1457 | 1671 |
December | 760 | 1086 | 1584 | 1671 |
How wages in the Soviet years affect retirement
For each officially employed employee, the employer pays insurance contributions to the Pension Fund (PFR) from their salary. The transferred amounts are automatically converted into points and stored in the citizen’s personal account. It is beneficial for a person to have higher earnings, since the deductions will be higher.
As a result, more PB accumulates, so the amount of pension benefits will also be higher.
The point system began to operate in Russia only after the pension reform of 2015. Pensions for Soviet times and up to 2002 are now also converted into points, but a separate formula is used for this. For the period from 2002 to 2015, earned pension capital is used to calculate the PB.
When recalculating pensions for Soviet times, you need to know the amount of earnings. This will help determine what income is profitable to calculate:
- Refer to salary data for the period 2001–2002. The information is available in the Pension Fund and is used by default.
- Take a pensioner’s earnings for any 60 consecutive months. You will have to provide the information yourself if it is not included in the payment file.
Formula for calculating pensions until 2002
The number of PB earned by a citizen during the USSR and before 2002 can be determined by the formula:
Number of PB = amount of settlement capital / cost of 1 PB as of January 1, 2015 (64.10 rubles).
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To determine the amount of estimated capital, you need to make certain calculations:
- Find out the experience coefficient (SC). It is 0.55 for men who have worked for 25 years and women with 20 years of experience. For each additional year of work, 0.01 is added. The ceiling is set at 0.75.
- Determine the coefficient of average monthly earnings (ASM). For this, we need data on wages, which will show how profitable the calculation is. When calculating, the average monthly income is divided by the average salary in the country for the same period of time.
- Calculate the amount of the estimated pension (RP). The size of the experience coefficient is taken into account:
If does not exceed 0.55:
RP = SK x KSZ x 1,671 – 450, where:
- 1 671 – average salary in the country in December 2001;
- 450 – the basic amount of pension payment established by law No. 173-FZ (12/17/2001).
The value (SC x KSZ x 1,671) cannot be lower than 660. If during calculations the resulting amount is lower, the RP value is set at 210 rubles.
If above 0.55:
RP = (SK x KSZ x 1,671 – 450) x Experience, where:
- Experience for women = number of years worked before 2002 divided by 20;
- Service experience for men = number of years worked before 2002 divided by 25.
If the calculations (SC x KSZ x 1,671) result in less than 660, the RP value is set at 210 rubles.
- Carry out valorization. This is a one-time increase in the received RP amount by 10%. The valorization of Soviet-era pensions provides an additional bonus for those employees who have work experience before 1991. For each full year, 1% is added to the existing 10%.
- Use a correction factor. The valorized RP amount is multiplied by 5.6148. This is the product of annual inflation indices between 2002 and 2014.
Limiting factor
Speaking about the average earnings coefficient, which determines whether it is profitable to take into account income in Soviet times, it is important not to forget about one subtlety. The legislation establishes that it cannot exceed the value of 1.2. The exception is residents of the Far North and similar areas. For them, the permissible value varies from 1.4 to 1.9 depending on the area of residence.
Free legal assistance
The period before 2002 is the most difficult to calculate. The main difficulty is that in individual personal accounts of citizens in the Pension Fund of the Russian Federation, information about this period of labor activity is not fully reflected - at best, starting from 1997 (and even then not for everyone). Therefore, in the Personal Account of the insured person on the Pension Fund of the Russian Federation website and when calculating pensions, as a rule, there are many inaccuracies. You can avoid misunderstandings and understatement of the amount of accrued pensions by preparing and submitting the necessary documents to the Pension Fund of the Russian Federation (about the length of service and the amount of earnings) and understanding how it is calculated and on what the size of the estimated pension earned during this period primarily depends. The key formula on the basis of which the monthly amount of the estimated insurance pension earned before 2002, before valorization and indexation is determined, has a relatively simple form (clause 3.
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T is the number of months of the expected period of payment of the old-age pension, which depends on the year the pension was assigned. So, if the pension was assigned in 2010, T is equal to 192 months, if in 2011 - 204 months, if in 2012 - 216 months.
Which earnings to choose for calculating your pension?
It is approximately possible to calculate whether the Soviet salary will be beneficial for calculating pension benefits. First, you need to visit the territorial office of the Pension Fund of the Russian Federation and find out the value of the coefficient. If for the period from 2001 to 2002 it already has a maximum value, there is no point in turning to Soviet earnings for a pensioner.
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Provided that the value is not entirely profitable, since it does not reach the limiting value, it is important to present a certificate of salary for the Soviet era.
Based on data on average wages in the USSR, it is possible to determine what minimum one needed to receive at that time and choose the optimal, more profitable 60-month period in terms of earnings. To do this, you need to multiply the amount of earnings by 1.2 (northerners use the corresponding indicator established for them):
- 1980 - 209 rubles;
- 1981 – 214 rubles;
- 1982 – 221 rubles;
- 1983 – 226 rubles;
- 1984 – 232 rubles;
- 1985 – 240 rubles;
- 1986 – 248 rubles;
- 1987 – 258 rubles;
- 1988 – 280 rubles;
- 1989 – 315 rubles;
- 1990 – 364 rub.
If the limit coefficient does not reach the maximum
The Constitutional Court of the Russian Federation ruled that the rights of citizens who earned a pension during Soviet times cannot deteriorate regardless of changes in legislation. For this reason, a person has the right to demand a recalculation of pension benefits for work during the Soviet era.
The Soviet salary must be officially confirmed to calculate the pension. It is better to prepare in advance and provide information to the Pension Fund before the appointment of the insurance pension, so as not to have to recalculate it later.
To obtain a certificate of earnings, a citizen needs to contact the enterprise where he previously worked.
If the organization is liquidated, the application is written to the archives. You can find out the exact address and departmental affiliation of the archival organization directly from the Pension Fund of Russia. You can also obtain a certificate by contacting the Multifunctional Center (MFC) or filling out a special application on the Rosarkhiv website. Services are provided free of charge.
Certificate of earnings for 60 months
26. To apply for a pension, I will have to take a certificate of average earnings for 60 months in the period from 1980 to 1990. The salary in these years was approximately the same (210-230 rubles). Question: If there are any coefficients when calculating average earnings for a pension, then which 60 months in a row is better to show in the certificate of average earnings from 1980 to 1990. Best regards, Dmitry.
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12.1. — Hello, documents confirming periods of work must contain the number and date of issue, last name, first name, patronymic of the citizen to whom the document is issued, the day, month and year of his birth, place of work, period of work, profession (position), grounds for their issuance ( orders, personal accounts, etc.). Documents issued by the employer upon dismissal from work may be accepted as confirmation of the insurance period even if they do not contain the basis for their issuance. I will try to send you a certificate of average earnings for 60 months by mail. Best wishes.
Calculation of pensions for those born before 1967: procedure for registering accruals
Every person who retires can calculate their pension independently, knowing the formulas and parameters for calculating it. It is possible to make an online calculation, and there are also calculators available. If you can’t make the calculation yourself, you have the opportunity to contact the Pension Fund to learn how to calculate or request information about future income.
People raising children alone can count on the insurance share. If the sole breadwinner had a certain period of work, then the insurance share is also calculated. To apply for any type of old-age benefits, you need to confirm that the breadwinner is absent or has died by providing a death certificate or a court decision declaring missing.
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Where can I get a 60 month salary certificate for a pension?
There are less than two months left before the pension is assigned and you already have the right to apply for its registration in advance. You will be given time and appropriate explanations to determine the optimal amount of your pension. In addition, you can be assisted directly by UPFR employees in obtaining the missing documents. Don't wait until the last day to apply.
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Thus, the legislator has given the insured person the opportunity to choose a period for determining his average monthly earnings for the purpose of assessing pension rights by converting them into estimated pension capital as of January 1, 2002.
How to get a salary certificate for a pension fund
- Instead of a header, an imprint of the enterprise is placed, which reflects all the basic information about it. If there is no such stamp, the data is filled in in writing and a stamp is affixed below;
- Last name, first name, patronymic of the employee, as well as his date of birth. However, some businesses do not bother to record information about the age of the former employee;
- How long does the employee work at the company? In this case, the exact periods and total service life are reflected;
- The amount of the employee's salary reflected by month. Annual income is also taken into account when drawing up the certificate;
- The currency in which the employee is paid. This is a requirement for all financial documents. It is enough just to write the final amount in words.
In our time, there is no need to provide a salary certificate to the Pension Fund. This rule was enshrined in a regulatory legal act that has lost legal force (Resolution of the Ministry of Labor of the Russian Federation No. 16 of 2002). However, when applying for a monthly state benefit, specialists of the Pension Fund of the Russian Federation do not pay attention to this fact and continue to request a certificate.
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Average salary in Russia (updated)
However, there are a lot of nuances and features associated with calculating alimony based on the average salary. This is due to the fact that these calculations can be applied both by involving “high” and “low” indicators. Of course, for groups of the population with a minimum income, the national average salary may be excessively high, which may provoke an increase in debt. As well as for regions where the average salary level is very high, the average value is the optimally profitable amount.
- First of all, the amount of alimony that was initially determined is taken into account. In this case, it is not important how exactly the specified amount was established: through a settlement agreement, or when a court decision was made.
- In addition to salary, the amount of alimony arrears also includes shares from other types of earnings or income received by the defendant.
- If the defendant does not have officially registered income during the period of debt formation, the average wage is used to determine its final amount. which was adopted regionally and nationally.
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