In short, the pension will depend on three factors: a white salary, length of service and the age when a person goes on a well-deserved rest. The more each of these components, the higher the future pension.
The most important change is that the insurance part of the pension will be calculated not in absolute figures (that is, in accumulated rubles), but in points. Upon retirement, the number of accumulated points will be multiplied by their value. The latter is approved by the government and will be indexed to inflation every year.
For example, in 2019, the cost of a point will be fixed at the level of 87.24 rubles. At the same time, in order to count on the insurance pension, you need to earn a certain mandatory number of points. For those who will go on a well-deserved rest in 2019, this is 16.2 points. But this figure will grow every year. And by 2025 it should be 30 points.
Minimum experience 15 years
The minimum experience requirement will increase. Now, to be eligible for a labor pension, it is enough to work only 10 years. Officials considered that this was not enough, and raised the qualification to 15 years. Nevertheless, this qualification will increase gradually - until 2024. For example, in 2019, 10 years of service is enough to qualify for an insurance pension.
official salary
An important role is played by the size of your official pay. If your employer pays large contributions to the Pension Fund for you, you will have better pension rights in the future. Therefore, the higher the salary, the better. The main thing is that it should be official.
However, there is some limitation. Full insurance premiums are paid for those employees who receive no more than 710 thousand rubles a year (almost 60 thousand rubles a month). Based on this amount, the number of points that you can earn in a year is also calculated. Now the maximum figure is 7.9 points (by 2021 it will grow to 10 points). They can be obtained if you worked all year and received the maximum salary (60 thousand rubles or more). If the salary is less, then you will be awarded fewer points.
Surplus factors
The government has raised the retirement age. Nominally, women will be able to retire at 60, and men at 65, this will happen gradually by 2028. Plus, there will be benefits for those who work in hazardous industries. Nevertheless, we will be encouraged to work longer. There are additional factors in the formula. For example, if a person postpones his well-deserved rest for five years, then the pension will be about one and a half times more. If for 10 years - more than doubled.
New Retirement Benefits
There are various incentives. For example, for large families. Prior to this, only the period of caring for a maximum of two children - 1.5 years for each, that is, three years in general, went into the experience for young mothers. According to the new bill, when calculating the length of service, 4.5 years will be taken into account - 1.5 years of care for each of the three children. Plus, service in the army will also be counted in the experience.
What do we get paid for?
Recall that all working Russians pay 30% of insurance premiums from their official salaries. Part of the funds goes to free healthcare and other social projects. Only 16% of those 30% are set aside for old age. And now this money is divided into two parts.
Insurance - 10% - is directed to payments to current pensioners. And the Pension Fund records what contribution each employee has made to this common pool, and the size of the pension will depend on this in the future. And the accumulative part - 6% - is transferred to individual accounts. This money is invested in securities through management companies - state and private, as well as through non-state pension funds (NPFs). The funded pension is formed only for those citizens who were born in 1967 and later.
However, in 2018 and 2019, contributions to the funded part are not made. All the money goes to the insurance part, that is, to payments to current pensioners. Plus, the Ministry of Labor recently stated that almost 20% of Russians are not in the pension insurance system. That is, they receive a salary in envelopes. This means only one thing - these people will receive a social pension, which is extremely small.
Pension calculator on the website of the pension fund
At the end of last year, the Pension Fund of Russia created a single database of all future pensioners. Each Russian now has his own personal account, where you can see how many points he has already earned. There are four simple steps to checking if your employer paid your contributions and looking at your retirement future.
✔ Register on the Gosuslugi portal (gosuslugi.ru). If you are already there, go straight to the next step.
✔ Go to the website of the Pension Fund, find the button "Personal account of the insured person", enter your username and password (exactly the same as on the "Gosuslugi").
✔ See data about your seniority and accumulated pension points. If you worked for a certain period, and the employer did not accrue and pay insurance premiums, then you will immediately find this out. In this case, you should immediately file a claim with the employer. If he does not meet halfway, then you should complain to the labor inspectorate. If you solve the problem in hot pursuit, you can quickly restore your rights.
✔ Use the calculator to find out how much pension you can earn by your old age.
The question of how the pension is calculated is quite important, so a very large number of citizens are concerned. Also important are such moments as its composition and types. Issues related to the advantages and disadvantages of state pension funds, as well as their non-state counterparts, should also be touched upon. In addition to these, you can ask a number of other equally important questions.
General concept
Every citizen has the full right to rest, especially when it comes to a well-deserved retirement. This can be understood as follows: work at a certain enterprise, to which the entire working life of a citizen was given, should guarantee him material support for the period of rest. And here no one talks about the obligations of the enterprise to its former employee in terms of providing such payments. This is done by pension funds, where contributions are made by each employer during the entire working life of the employee. The procedure for the formation, calculation and payment of pensions in the territory of the Russian Federation is carried out in full accordance with the law "On labor pensions".
The composition of the pension
If we consider the question of how a pension is calculated, then it should be mentioned that it consists not only of a mandatory part, but can also be supplemented by a voluntary one, and this indicates the possibility of using savings placed in a non-state pension fund. Mandatory pension has several types, which can be named: classical old-age pension, labor disability pension, as well as payments related to the loss of a breadwinner. The first of them usually includes three components: basic, funded and insurance.
Any enterprise and organization must make payments to the state compulsory insurance fund, and about half of these funds are transferred to the Pension Fund. These funds are not registered, that is, they are only transferred to the fund, where they are usually distributed for current pension payments to existing pensioners. This part just serves as the base, and its size depends entirely on the subsistence minimum at the moment, inflation and budgetary funds. The base part is not affected by seniority, wages, and other parameters. It can be paid even to foreign citizens who are permanent residents on the territory of the Russian Federation.
Insurance part
If we talk about how the pension is calculated, then it is necessary to consider the insurance part. It differs significantly from the basic one in that it is tied to a specific person. Its size is directly dependent on the amount of contributions accumulated at that time, as well as on the period of expected payments. From each employer, deductions are mandatory, the volume of which is 8-14% of the amount taxed for an individual employee. This amount usually includes not only wages, but also other funds that the company spends on each employee individually.
How is the insurance part calculated?
The insurance part of the pension is determined depending on the size of the pension capital accumulated in the personal account of the citizen, and the survival period, that is, the time that is determined by the state as allotted for citizens after retirement. It turns out that the insurance part of the pension is the entire pension capital divided by the survival period in months. This is the size of the monthly payments. After seeing off to retirement, the survival period is 19 years, which is usually quite enough. Such a period is used only to calculate a pension, and if someone lives longer, they will not be left without security. If we talk about how the old-age pension is calculated, then the law establishes that the later a citizen retires after reaching the required age, the shorter the life expectancy will be for him, that is, the amount of payments will be larger.
Accumulative part
This part is calculated in much the same way as the insurance part, but in this case the pension capital is replaced by the amount of savings. For each citizen, these savings are indicated in a special part of the personal account. The accumulative line differs in that it is usually placed in different investment instruments, it can be transferred to all kinds of funds for the implementation of management. Very often it is invested in various instruments, among which securities can be distinguished. Each working citizen has the right and opportunity to independently manage his funded part of the pension, thanks to which he can choose which management company or fund he will cooperate with in order to increase his savings.
Participation of non-state funds
The advantages of using non-state funds are quite obvious. Here we should first discuss the possibility of the most efficient investment of financial resources, thanks to which it is possible to ensure the optimal efficiency of pension growth. Usually, government funds work with instruments that are recognized as highly reliable, but this has a negative impact on their profitability. You can independently choose a management company from the list of those that have passed the competitive selection by the Russian Ministry of Finance. You can choose such a company once a year by filling out a special form.
Basic concepts in calculating pensions
The old-age pension is calculated in accordance with Law No. 173-FZ, adopted by the State Duma in December 2001. The law defines the basic concepts of the accrued pension, such as length of service, which is insurance. It is defined as the period in which a person paid in contributions. Based on this amount of calculated pension capital, the procedure for calculating the old-age pension is then determined by means of calculations.
Terms and age of pension accrual, which is included in the calculation formula
The amount depends on the funded part and the insurance part. The insurance part is all the time of work, confirmed by entries in the work book of the future pensioner. The law includes the length of service both in Russia and abroad. The procedure for determining this length of service is specified in the law (Article 10, paragraph 2). Article 11 lists other periods of work that may be included in the length of service.
The calculation of the old-age pension is based on the base part of pension savings (it is established by the Government of the Russian Federation and in 2012 is BCH = 3170 rubles). If there are dependents in the family, then the BC will be larger (depending on the number of dependents, the amount increases). The basic part changes along with a certain place of work (Far North, hazardous production, etc.), this is reflected in the Law, in Article 14. Remember that you should apply for a pension in advance, two or three months before the age determined by law.
Formula of the insurance part
The formula for the insurance part is MF (which is obtained by calculations) = PC / T. It is the basis on which the old-age pension is calculated. PC is a certain amount of pension capital, which is calculated as of the day on which a person applies for a labor pension. In the formula, the letter T indicates the period during which the pension is supposed to be paid, this is a fixed number of 216 months. PC is the number obtained during the calculations.
Billing period
The most difficult thing is to correctly determine the amount of pension capital when you do your own calculation of the old-age pension. The formula for calculating the pension capital is defined in Article 30 of the Law and is defined as follows: PC = (RP - BC) x T. In this formula, RP is calculated as follows: RP = SC x SR / SR x SFP.
SC is an indicator of the seniority coefficient, it is calculated and depends on how many years of experience a person has. An experience of twenty / twenty-five years - a coefficient of 0.55. Each subsequent year of work adds 0.01 to the SC, but the total SC cannot be more than 0.75. Have at least 50 years of experience, a coefficient of 0.75 is the ceiling.
ZR is the employee's salary for 60 months, taken from the period when the employee received wages, which he confirms in the accounting department. 60 months are taken for any period of employment, regardless of whether there was or was not a break in the experience. ZP is an indicator of the average salary in Russia for the same period, this figure can be obtained from the Pension Fund. In case of refusal, write a written statement with a request to inform you of this figure.
SZP is the government-established data on the average salary in the III quarter of 2001, expressed in a fixed amount of 1671 rubles. This figure is established by the Government of the Russian Federation for calculating pensions; it has not changed since the publication of the Law. Therefore, you need to calculate the coefficient of your seniority, multiply it by the value that will be obtained after dividing the average salary of a pensioner (divide your salary by sixty months) by the average salary in Russia, then multiply the resulting number by 1671 rubles.
We get RP (called the size of the old-age pension), we put this number in the formula PK \u003d (RP - BC) x T, where all the numbers are already known. We receive pension capital. We calculate the insurance (see the formula above). We connect it with the base part, we get a pension.
Count and Calculate
The calculation also includes the funded part, but not for everyone. It depends on the year of birth and is determined by the Law. Thus, when calculating the old-age pension, you need to understand the principle of calculation, understand the formulas, and then calculate. If you still get confused in the numbers, get the Law and read everything from the beginning, with the help of the article and the Law, you will definitely figure it out and calculate everything yourself.
For old age, using the new PFR 2019 online calculator. Our pension calculator for those retiring in 2019, 2020, 2021, 2022, 2023 and beyond will help you calculate your future pension using reliable data taken from the official website of the Pension Fund of Russia.
It should be taken into account that these calculation results are purely conditional., therefore, they should not be taken as the real size of the future pension. For its exact calculation, in any case, you should contact the Pension Fund at the place of registration.
Attention readers! Before proceeding with the calculation of the future pension in the online pension calculator, in order to fully understand its formation, we recommend that you familiarize yourself with this material.
Below we have prepared the most up-to-date information to date and even provided a number of simple examples of self-calculation especially for those who do not believe in “machines”!
Male Female
0 1 2 3 4 5 6 7 8 9 10
Please select your rate.
Please enter your gender.
By law, citizens born in 1966 and older do not form pension savings.
Enter a different value for your seniority.
Please enter your year of birth.
In accordance with the data you entered, your length of service is , the number of pension points is . From 2025, the minimum total length of service for receiving an old-age pension is 15 years. The minimum number of coefficients earned for assigning a pension is 30. If in the answers to the questions you indicated less than 15 years of experience or the number of coefficients collected does not reach 30, then you will be assigned a social old-age pension: for women at 60 years old, for men at 65 years old. Social old-age pension today is 4959.85 rubles per month. In addition, you will receive a social supplement to your pension up to the subsistence level of a pensioner in your region of residence.
In accordance with the data entered for you, your length of service is , the number of pension points is . You do not have enough pension coefficients or length of service to qualify for an old-age insurance pension. From 2025, the minimum total length of service for receiving an old-age pension is 15 years. The minimum number of coefficients earned for assigning a pension is 30. If in the answers to the questions you indicated less than 15 years of experience or the number of coefficients collected does not reach 30, then you will be assigned a social old-age pension: for women at 60 years old, for men at 65 years old. Social old-age pension today is 4959.85 rubles per month. In addition, you will receive a social supplement to your pension up to the subsistence level of a pensioner in your region of residence.
If you want to receive a higher pension, revise your life plans so that you have been working for 15 years or more and in the end you can earn at least 30 pension factors.
Please check that the form is filled out correctly. The number of years of combining activities as a self-employed citizen and an employee cannot exceed the number of years of minimum work experience specified in each type of activity separately.
If you want to receive a higher pension, revise your life plans so that you have been working for 15 years or more and in the end you can earn at least 30 pension factors.
Sorry, the calculator is not designed to calculate the amount of pensions for current pensioners, citizens who have less than 3-5 years left before retirement.
How to calculate pension using the new pension calculator?
Our pension calculator has all the information about the length of service and earned points. You will only need to add the current data that has not yet entered the database. In addition, we have up-to-date information on FV And StIPK, as well as numerous tips to help you enter information correctly.
After entering the information, it remains only to click on the button "Calculate"- and you will get a much more accurate version of your expected pension. A very useful thing for future pensioners!
You should be aware that this online pension calculator is NOT applicable to military personnel and employees of law enforcement agencies who do not have insurance experience as employees in positions not related to military service.
The pension strategy of Russia remained the same, only the component had to be temporarily turned off. It has not gone away, but will be in a frozen state until approximately 2020.
By default, all citizens of the Russian Federation are participants in the distribution system for this period, and all contributions go to it. The Pension Fund of the Russian Federation is balanced by revenues from the budget, in 2017 the transfer amounted to 977.1 billion rubles, and the total income of the Pension Fund of the Russian Federation was expressed in the number of 8181.6 billion rubles. PFR budget revenues for 2018 totaled 8.333 trillion rubles. Pension payments increased by 279 billion rubles, social payments - by 11.8 billion. In 2019, they promise to pay pensions in full, they are going to index and increase them.
Calculation of pensions according to the new formula
Note. In the form on the right, you can instantly calculate the number of pension points that can be accrued to you for 2019.
How many pension points can you earn in 2018?
Enter the amount of your monthly salary before deducting personal income tax:
Error! Enter a salary higher than the minimum wage in the Russian Federation in 2018 - 9,489 rubles.
Number of pension points per year:
An insurance pension in Russia is formed for each citizen on the basis of his work activity, if we are talking about able-bodied persons, and is paid from the funds of the Pension Fund of the Russian Federation.
The rights of citizens to retire today are reflected in the coefficients, they are also called. During the implementation, all available developments for pensioners, both past and future, were converted into these points.
In order to be able to accrue a pension, the following conditions are generally necessary:
- age, 60 for women and 65 for men;
- at least a certain number of years. From 2024, this is 15 years, for previous years there are transitional values \u200b\u200b( what to do if it suddenly turns out that there is not enough experience);
- the presence of a certain amount of points, from 2015 - 30, with transitional values of earlier years.
The number of points depends not only on the years worked, but also on how accrued and actually paid.
The number of points that a citizen can receive per year is limited from above and has its own maximum. In 2016 it was 7.83, in 2017 - 8.26, in 2018 - 8.7, in 2019 - 9.13, in 2021 - 10.
However, it depends on how the citizen defines his attitude to the funded pension (NP): whether he takes part in its formation or focuses only on the solidarity system. Those who were born after 1966 will have to solve this problem, and for everyone who is older, there is only one option - only an insurance pension.
Here are the values of these main parameters by year:
| Year | IPC - minimum amount | Experience minimum | IPK annual maximum including PN | IPK annual maximum without PN |
|---|---|---|---|---|
| 2015 | 6.6 | 6 | 7.39 | 7.39 |
| 2016 | 9 | 7 | 7.83 | 7.83 |
| 2017 | 11.4 | 8 | 5.16 | 8.26 |
| 2018 | 13.8 | 9 | 5.43 | 8.7 |
| 2019 | 16.2 | 10 | 5.71 | 9.13 |
| 2020 | 18.6 | 11 | 5.98 | 9.57 |
| 2021 | 21 | 12 | 6.25 | 10 |
| 2022 | 23.4 | 13 | 6.25 | 10 |
| 2023 | 25.8 | 14 | 6.25 | 10 |
| 2024 | 28.2 | 15 | 6.25 | 10 |
| 2025 and beyond | 30 | 15 | 6.25 | 10 |
In the case when we are talking only about the insurance pension, all the points scored go to its formation. When a funded pension is present along with the insurance pension, the maximum 10 points are transformed into 6.25, since 27.5% of the number of insurance premiums are sent to the funded part.
Need to understand: The state annually indexes the insurance pension. But the funded part is at the disposal of the Criminal Code or is not subject to indexation, instead it is invested in some financial projects. If such actions are successful and profitable, then the pension may increase. In the event that the investment operation is unprofitable, the pensioner can only rely on the amount of contributions paid.
Fixed payment, its size in 2018
Fixed payout ( FV) is called so because it is set every year by the state in hard monetary terms, that is, it is fixed for a year. As laid down in, the annual increase in the PV indicator is a consequence of indexing to the inflation rate of the past year.
However, this provision was suspended in 2016 and an indexation factor of 1.04 was adopted. In 2017, the result was an FV in the amount of 4805.11 rubles. for the majority of pensioners. In 2018, the amount of the fixed payment after indexation amounted to 4,982.9 rubles. per month. In 2019 - 5334.19 rubles.
PV has more than one meaning, it is set differently for different categories of citizens. It is indexed twice a year:
- February 1, according to the results of inflation of the past year;
- April 1, based on the results of the PF income for the previous period - this type of indexation is treated as possible, and the decision on this possibility is made by the government of the Russian Federation.
How is the insurance pension calculated in 2018?
insurance pension ( joint venture) in Russia is calculated today by the formula:
SP \u003d IPK x StIPK + FV
IPK- the sum of all pension points.
StIPK- the cost in rubles of one pension point.
FV- Fixed payment.
As you can see, there is only one variable in the formula. This is the IPC, reflecting how many points the future pensioner has.
The remaining two indicators are constants, that is, they have a constant value throughout the year.
In 2019, StIPK = 87.24 rubles. (in 2017 - 78.58 rubles, in 2018 - 81.49), FV = 5334.19 rubles. (in 2017 - 4982.9 rubles).
Both of these indicators are indexed by the state, and their values change annually.
Strictly speaking, the task comes down to counting the points scored - IPC.
This is a rather cumbersome job that is performed by employees of the Pension Fund of the Russian Federation. They are required to calculate all the points on a monthly basis, evaluate the income and the contributions paid from it to the PF, and also take into account the option with the funded part, if any.
In addition to points earned directly, some citizens can count on an increase in the IPC for a different reason. Additional points are awarded for other types of employment and are added to the total.
There are quite a lot of such positions, all of them are specified. Here are some:
- 1.8 points are supposed to be added for military service in accordance with the draft;
- 1.8 - for the care of a child under 1½ years old, added to one of the parents;
- 3.6 - to care for the next, second child, up to 1½ years;
- 5.4 - for the care of next children, 3rd or 4th, up to 1½ years each;
- 1.8 - for the care of a disabled or elderly person under certain conditions;
- others specified in the legislation.
As an incentive prize, one can consider the possibility of increasing the IPC if a pensioner applies for a pension after having worked for some years over the prescribed age. For each such working year, he has a certain number of additional points - there are bonus coefficients for this.
This is a fairly significant increase in pension: if, for example, you continue to work in excess of the prescribed 5 years without drawing up a pension, then the amount of IPC will increase by 45%. And if we add here the increase in the fixed payment over the years, we get a noticeable increase in pensions.
How to calculate your old age pension in 2019?
In principle, when preparing for the registration of a pension, everyone tries to independently estimate the numbers that he reaches. This is quite possible, because the values FV (fixed payment) And StIPK()
is freely available. The most important thing remains - to correctly calculate the amount IPK.
Here is an example of a calculation when retirement took place immediately upon reaching retirement age.
Let's say it comes in 2019. The points earned will be 75, another 1.8 + 3.6 points are due for the care of two children, up to 1½ years in each case.
∑ = 75 + 1,8 + 3,6 = 80,4
If in 2019 PV = 5334.19 and StIPK = 87.24, then we get the expected pension value:
SP \u003d 5334.19 + 80.4 x 87.24 \u003d 12,348.28 rubles.
disability pension
They are appointed for medical reasons, specifying the group of disability, without regard to the existing experience, the causes of disability and the moment of its onset.
If there is no experience at all, then it is installed. If at least 1 working day is registered, then there are grounds to appoint. Its size is set on an individual basis, with a focus on the existing experience, the amount of contributions to the Pension Fund and earnings.
First of all, it is calculated joint venture, and, starting from its value, the pension is calculated. Its value is finally determined by the disability group.
Starting from 01/01/2015, the PV was withdrawn from the JV, and its value is determined separately:
| From date | % indexing | 1 disability group | 2 disability group | 3rd disability group |
|---|---|---|---|---|
| 01.01.2015 | RUB 7870.00 | RUB 3935.00 | RUB 1967.50 | |
| 01.01.2015 | 11,4% | RUB 8767.18 | RUB 4383.59 | RUB 2191.80 |
| 01.01.2015 | 4% | RUB 9117.86 | RUB 4558.93 | RUB 2279.47 |
The size of the PV increases for each disabled dependent who is supported by a citizen, but no more than three. This increase was:
- dated January 1, 2015 - 1311, 67 rubles;
- from February 1, 2015 - 1461.20 rubles;
- from February 1, 2016 - 1519.65 rubles;
- dated February 1, 2017 by 5.4%.
survivor's pension
The loss of a family breadwinner entails the assignment of a pension to the disabled dependents whom he supported. Of course, provided that their guilt in the death of their breadwinner is not established.
The law clearly defines the circle of persons who can apply for a pension. In order for it to be appointed, the deceased breadwinner must have insurance experience, at least a minimum, at least 1 day.
From 02/01/2018, the fixed payment (PV) in the event of the loss of a breadwinner is exactly half of the PV of the insurance pension: 4982.9 / 2 = 2667 rubles 95 kopecks. So much for one disabled family member.
The assigned pension is paid every month, any delivery method can be chosen.
Military pension, calculation formulas
In 2019, the scheme according to which the pension is calculated for the military who have completed their service is as follows:
VP \u003d (OVDZ + NdVL) x 50% +
+ 3% (with service over 20 years, for each year, but not more than 85%)x PC+
+ 2% (in case of non-indexing DD- Every year)
OVDS- military salary and rank.
NdVL- Seniority allowance.
PC- reduction factor.
DD- financial allowance.
Employees of the Ministry of Internal Affairs are also entitled to, for the accrual of which it is required to serve in the bodies of the Ministry of Internal Affairs for at least 20 years (read more about all the changes).
It can be of three types:
- By seniority.
- By disability.
- In connection with the loss of the breadwinner (received by her relatives if the breadwinner died or went missing).
There is also the so-called. This is the case when 20 years of service is not accumulated, but there is one of the additional circumstances:
- At the time of dismissal from the authorities, the total experience reached 25 years.
- Of all the years of total experience, the Ministry of Internal Affairs accounted for at least 12½.
- At the time of dismissal, the age of the employee was at least 45 years.
- The reason for the dismissal was either the state of health, or regular events, or the achievement of the service age limit.
Future military pensioners, knowing thoroughly all the ups and downs of their service, are able to independently estimate what pension they are entitled to.
To help them, the Pension Calculator program was created, designed specifically for employees of the Ministry of Internal Affairs. If you provide her with the necessary data, she will calculate the required pension herself. For the convenience of users, it is equipped with various tips.
The formula for calculating the funded pension ( NP) is extremely simple:
NP = Mon / T
T- the number of months before payment.
Mon- the amount of funds accumulated in a special personal account.
Formed amount Mon maybe from these sources:
- from pension insurance contributions;
- from additional contributions made by the employer in favor of a citizen accumulating a pension;
- from contributions to co-financing Mon;
- from part of family or maternity capital;
- from investment results from any of the sources.
Facilities NP you can receive everything at once, as a lump sum payment, or receive it gradually, in the form of an urgent pension payment, after reaching the required age.
How to check the amount of pension savings?
This is easy to do for an insurance pension.
Each pensioner has a personal SNILS - Insurance Number of an Individual Personal Account in the Pension Fund of the Russian Federation. With it, you can find out the contents of your personal pension account, not only by visiting the PF branch, but also online via the Internet. How to do this is written in detail.
Moreover, you need to come to the department with a passport, and at EPGU (single portal of public services) you just need to enter the SNILS number.
So:
- We go to the site gosuslugi.ru.
- We select the necessary service in the catalog - "Pension Savings".
- We request an extended account statement, for this we enter its number.
After waiting a few minutes at the screen, we receive a letter with the amount of interest. If a user's personal account is set up, then you can print the information received.
If you want to get acquainted with the state of your funded pension, being a client of an NPF, then the PF is not your assistant here, it does not have the necessary information.
The NPF has it, and to get it you will have to go to its website.
The cost of a pension point for working pensioners in 2019
For working pensioners, the pension was once again recalculated on 01/01/2019. As a result, each of them received an allowance on an individual basis, some in tens, and some in hundreds of rubles.
The price of a pension point in 2019 is 87.24 rubles. As the Law “On Insurance Pensions” says, during the January recalculation, you can add no more than 3 points to your pension, in rubles it will be 244.47. This is how the recalculation procedure works for those citizens who do not apply for a pension.
If a person receives a pension and works at the same time, then the recalculation is made based on the realities of 2015, when the price of a point was 71.41 rubles. Accordingly, the increase in pension came out less, only 214.23 rubles.
It turns out that at post-retirement age it is more profitable for a person to work without drawing up a pension, in this case he will receive larger additions to the pension in the next recalculations - which has not yet been received.
Is a working pensioner required to work 2 weeks upon dismissal? .
That is, there is an obvious desire of the state to encourage the population to retire later in order to alleviate the burden of the Pension Fund.
This is often criticized, allegedly there is a desire on the part of the state to ensure that fewer pensioners live up to retirement.
Maybe this is true, but does not the desire to increase mean the same goal?
In addition, non-retirement will be forced in this case, while in the current conditions a certain amount of freedom of action remains with a person. Known, but not complete, since many work simply because there is not enough money.
But there is another category of elderly citizens whose interests in this case coincide with those of the state. Many, having become accustomed to working all their lives, will feel like they have been thrown to the sidelines in retirement, so they are in no hurry to get there.
As long as you work, rotate in a team, you are useful, and life retains its meaning.
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