Determining the right to an old-age insurance pension. Old age pension: insurance, social, minimum

The new procedure for calculating old-age labor pensions came into force in 2015 and is regulated by federal law dated December 28, 2013 No. 400-FZ (as amended on December 19, 2016) “On insurance pensions” (as amended and additionally, entered into force from 01/01/2017) and the federal law of December 28, 2013 No. 424-FZ “On funded pensions.

An old-age insurance pension is assigned and paid to insured persons under the following conditions:

- reaching age60 yearsfor men,55 years- for women.

- presence of insurance experience in2017at least 8 years, followed by an annual increase to 15 years in 2024;

- the value of the individual pension coefficient (IPC) in2017at least 11.4, followed by an annual increase to 30 points in 2025.

The length of service required to receive an insurance pension in 2015 is 6 years, in 2016 - 7 years, in 2017 - 8 years, in 2018 - 9 years, in 2019 - 10 years, in 2020 - 11 years.

Procedure for calculating old-age insurance pension

The amount of the old-age insurance pension is determined by the formula (Article 15 of Law No. 400-FZ):

SP = PC x C x K + FV x K,

where SP is the old-age insurance pension;

PC - the sum of all annual pension coefficients (points) of a citizen;

C - the cost of one pension coefficient (the so-called pension point) as of the day from which the pension is assigned;

K - increasing (so-called premium) coefficients (indices) for the insurance pension and fixed payment (different for the fixed payment and the value of pension points);

FV - fixed payment.

Annual individual pension coefficient (pension point)

Annual individual pension coefficient (pension point) - an indicator that evaluates each calendar year labor activity citizen, taking into account annual deductions of insurance contributions to the Pension Fund.

When calculating the insurance pension, the sum of annual pension points for the periods before and after 01/01/2015 is taken. When calculating the amount of points for periods before 01/01/2015, the amount of the monthly payment to the citizen of the insurance part is calculated labor pension as of December 31, 2014. This does not take into account the fixed base size and accumulative part. The amount received is divided by the cost of one pension point as of 01/01/2015 - 64.10 rubles.

This can be represented in formula form as follows:

Sum of pension points for periods before 01/01/2015 = SC / C,

where SC is the insurance part of the labor pension as of December 31, 2014, excluding the fixed base amount and the funded part of the pension;

C - the cost of one point as of 01/01/2015 (RUB 64.10).

Sum of pension points for periods after 01/01/2015 = SV / SV x 10,

where SV is the amount of insurance contributions for the formation of an insurance pension at a rate of 10 or 16% (the rate depends on the choice of the citizen - to form a funded pension or not);

MV - the amount of insurance contributions from the maximum salary subject to contributions, paid by the employer at a rate of 16%.

In addition, points for other periods included in the insurance period are taken into account. For example, in relation to the period of care of one of the parents for the first child until he reaches the age of one and a half years, a score of 1.8 is applied (Parts 12 - 14 of Article 15 of Law No. 400-FZ). These points are added to the amount of points already calculated using the above formulas. When determining the amount of points in this way, the above periods are taken into account if they (at the citizen’s choice) are not already taken into account when calculating the amount of the disability insurance pension or survivor’s pension (Part 10, Article 15 of Law No. 400-FZ).

At the same time, the number of pension points per year is limited and differs for those who chose to form a funded pension and those who refused it. At the same time, the maximum value is gradually increasing until 2021 (Part 19, Article 15 of Law No. 400-FZ; Appendix No. 4 to Law No. 400-FZ):

For those who do not have pension savings - up to 10 points (for 2017 - 8.26);

For those forming pension savings - up to 6.25 points (for 2017 - 5.16).

Cost of one pension coefficient (point)

The cost of one pension coefficient (point), according to general rule, every year from February 1 increases by no less than the consumer price growth index for the past year, and from April 1 is established by the federal law on the PFR budget for the next year and planning period. From April 1, 2017, the cost of one pension coefficient is 78.58 rubles. (Part 20 - 22 Article 15, Clause 1 Part 10 Article 18 of Law No. 400-FZ; Article 8 of Law dated December 19, 2016 No. 416-FZ).

You can obtain information about the value of the individual pension coefficient (IPC) and its components: the value of the IPC before 2015 and the value of the IPK since 2015, etc.:

Contact the territorial branch of the Pension Fund of the Russian Federation at your place of residence;

Order a certificate about the status of an individual personal account on the PFR website in the “personal account of a citizen” at: https://es.pfrf.ru/#services-f;

Request information about the status of an individual personal account with the Pension Fund of Russia (including history) on the unified portal of public services at: https://www.gosuslugi.ru/10042/1/.

Fixed payment

A fixed payment in a fixed amount is established for the old-age insurance pension and depends on the type of insurance pension. The size of the fixed payment is indexed annually. Thus, from 02/01/2017, the amount of the fixed payment is 4,805.11 rubles. (Parts 1, 6 - 7 of Article 16 of Law No. 400-FZ; Part 1 of Article 6 of Law No. 385-FZ; Decree of the Government of the Russian Federation of January 19, 2017 No. 36).

A fixed payment in an increased amount is provided (Article 17 of Law No. 400-FZ; Decree of the Government of the Russian Federation of March 18, 2015 No. 249):

For disabled people of group I;

Citizens who have reached the age of 80;

Citizens who worked or lived in the Far North and equivalent areas;

Citizens with dependent disabled family members.

	The amount of a fixed payment per month to the old-age insurance pension, taking into account the increases established by Art. 17 of Federal Law N 400-FZ, and indexation in 2017<*>
Citizens who have reached the age of 80 (with no dependents) Disabled people of group I (with no dependents)
Citizens who are dependent on disabled family members (except for persons who have reached the age of 80 or are disabled people of group I)	with 1 dependent - 6,406.81 with 2 dependents - 8,008.51 with 3 dependents - 9,610.21
Citizens who have reached the age of 80 or are disabled people of group I, who are dependent on disabled family members	with 1 dependent - 11,211.92 with 2 dependents - 12,813.62 with 3 dependents - 14,415.32
Citizens who have worked for at least 15 calendar years in the regions of the Far North and having insurance experience of at least 25 years for men or at least 20 years for women (except for persons who have reached 80 years of age or are disabled people of group I) (regardless of place of residence)	without dependents - 7,207.67 with 1 dependent - 9,610.22 with 2 dependents - 12,012.77 with 3 dependents - 14,415.32
Citizens who have worked for at least 15 calendar years in the regions of the Far North and have insurance experience for men of at least 25, and for women - at least 20 years, who have reached the age of 80 or are disabled people of group I (regardless of place of residence)	without dependents - 14,415.33 with 1 dependent - 16,817.88 with 2 dependents - 19,220.43 with 3 dependents - 21,622.99
Citizens who have worked for at least 20 calendar years in areas equated to the regions of the Far North, with an insurance record of at least 25 years for men or at least 20 years for women (except for persons who have reached the age of 80 or are disabled group I) (regardless from place of residence)	Without dependents - 6,246.64 with 1 dependent - 8,328.85 with 2 dependents - 10,411.06 with 3 dependents - 12,493.27
Citizens who have worked for at least 20 calendar years in areas equated to the regions of the Far North, have an insurance record of at least 25 years for men or at least 20 years for women, have reached the age of 80, or are disabled people of group I (regardless of place of residence)	Without dependents - 12,493.28 with 1 dependent - 14,575.49 with 2 dependents - 16,657.70 with 3 dependents - 18,739.91

Indexation of the size of the fixed payment to the insurance pension and the cost of one pension coefficient is not carried out for pensioners who carried out work (other activities), during which they are subject to compulsory pension insurance in accordance with Law of December 15, 2001 No. 167-FZ (Article 26.1 of Law No. 400 -FZ; Part 1, Article 7 of Law No. 385-FZ).

When assigning an old-age insurance pension (including early) later than the right to the specified pension arises or in case of refusal to receive the assigned insurance pension, when determining the amount of the fixed payment, a certain coefficient of its increase is applied (Parts 4, 5, Article 16 of Law No. 400- Federal Law; Appendix 2 to Law No. 400-FZ).

Factors influencing the amount of old-age insurance pension

The size of the old-age insurance pension is influenced by the following factors:

1) the amount of accrued and paid insurance contributions to the compulsory pension insurance, depending, accordingly, on the size of the “white” salary;

2) age (more than 80 years or less);

3) presence of disability group I and change in disability group;

4) the number of disabled family members dependent on the pensioner;

5) living and developing the necessary work experience in the Far North or equivalent areas;

6) does the pensioner immediately retire upon reaching retirement age or not;

7) forms pension savings for the pensioner.

Minimum pension amount

The concept of long-term socio-economic development of the Russian Federation for the period until 2020 provides that the minimum pension level is set not lower than living wage a pensioner in the region of his residence (Part II of the Concept, approved by Order of the Government of the Russian Federation of November 17, 2008 No. 1662-r).

Right to social supplement to an old-age pension up to the value of the PMP arises for a pensioner under the following conditions (Parts 1, 4, 5, 10, Article 12.1 of the Law of July 17, 1999 No. 178-FZ):

Absence of work or other activity during which the person is subject to compulsory pension insurance;

Failure to reach the total amount of financial support for a pensioner equal to the PMS in the region of his residence.

When calculating the total amount of financial support for a pensioner, all cash payments that are assigned to him are taken into account, including an urgent pension payment, and cash equivalents of measures social support for payment of telephone, housing, utilities and travel on all types of passenger transport (urban, suburban and intercity), as well as monetary compensation for the costs of paying for these services. Social support measures provided at a time are not taken into account (Parts 2, 3, Article 12.1 of Law No. 178-FZ).

Deadlines for assigning an insurance pension

As a general rule, an insurance pension is assigned from the date of application for the specified pension, but not earlier than from the date the right to the specified pension arises. The day the right to a pension arises is the day the conditions determined by law necessary for its assignment occur.

The day of applying for an insurance pension is the day the territorial body of the Pension Fund receives the corresponding application with all necessary documents. If the specified application is sent by mail, or submitted in the form of an electronic document, or submitted through a multifunctional center for the provision of state and municipal services and all the necessary documents to be submitted by the applicant are attached to it, the date of application for an insurance pension is considered to be the date indicated on the postmark organization of federal postal services at the place of sending this application, or the date of submission of the application using public information and telecommunication networks, including the Internet information and telecommunication network, including a unified portal of state and municipal services, or the date of receipt of the application by the multifunctional center for the provision of state and municipal services services.

If not all the necessary documents to be submitted are attached to the application for an insurance pension, the future pensioner applying for an insurance pension will be given an explanation of what additional documents he must submit. If such documents are submitted no later than three months from the date of receipt of the corresponding clarification, the day of application for an insurance pension is considered to be the day of receipt of the application for an insurance pension, or the date indicated on the postmark of the federal postal organization at the place of sending this application, or the date filing an application using public information and telecommunications networks, including the Internet information and telecommunications network, including a unified portal of state and municipal services, or the date of receipt of the application by a multifunctional center for the provision of state and municipal services.

In 2017, citizens permanently residing in the Russian Federation who receive a pension as of December 31, 2016 will receive a one-time cash payment in the amount of 5,000 rubles. without a request. This payment is not subject to personal income tax (clause 8.5 of article 217 of the Tax Code of the Russian Federation; parts 1, 3, 6 of article 1 of the Law of November 22, 2016 No. 385-FZ).

To calculate the old-age insurance pension, you can use the pension calculator at: http://www.pfrf.ru/eservices/calc/

Anyone can find out the size of their IPC, choose their pension strategy and calculate the conditional size of their future pension by accessing the electronic service of the Pension Fund of the Russian Federation “Personal Account of the Insured Person” (www.pfrf.ru), as well as using the pension calculator on the website of the Ministry of Labor of Russia ( www.rosmintrud.ru).

You can obtain an extract from your individual personal account on the website of the Unified Portal of State and Municipal Services: http://www.gosuslugi.ru - Authorities - Pension Fund Russian Federation- Informing insured persons about the status of their individual personal accounts in the compulsory pension insurance system.

Personal account of the insured person

Navigating your pension rights has become much easier this year. Since 2015, a new electronic service of the Pension Fund of Russia, “Personal Account of the Insured Person,” has been launched. By accessing the new service, each person can obtain information about the size of their individual pension coefficient. One of the key services of your personal account is informing citizens about their pension rights online.

“Personal account of the insured person” is posted on the official website of the Pension Fund of Russia - www.pfrf.ru. All users who have registered in the Unified Identification and Authentication System (USIA) or on the government services website have access to it.

Through this service, every citizen can find out about the number of pension points and length of service recorded in his individual personal account with the Pension Fund. That is, every citizen can get an idea of the key parameters that influence the size of their future insurance pension in accordance with the new pension formula.

The service also allows you to find out how many points a citizen can “earn” in the current year, that is, check the calculation of the individual pension coefficient using your own example. To do this, just enter the expected amount of your monthly income from work before deducting personal income tax.

The service provides a citizen with the opportunity to obtain detailed information about the periods of his work activity, places of work, and the amount of accrued insurance premiums.

It is important to keep in mind that all information about the pension rights of citizens presented in your personal account is formed on the basis of data submitted to the Pension Fund of Russia by employers.

Information on the amount of your pension savings can also be obtained in your personal account. Using an improved version of the pension calculator, you can simulate the size of your future pension. The pension calculator has become personal and takes into account real (already formed) pension rights in pension points and the length of service of a particular employee.

Documents for applying for an old-age insurance pension

In order to receive a pension, the future pensioner will need the following documents: statement; passport (residence permit - for foreign citizens and stateless persons); certificate of compulsory pension insurance; employment history.

In the absence of a work book, as well as when it contains incorrect or inaccurate information or there are no records about individual periods of work, the following are accepted to confirm the periods of work: written employment contracts drawn up in accordance with the labor legislation in force on the day the relevant legal relationship arose; a civil law agreement, the subject of which is the performance of work or the provision of services, drawn up in accordance with the civil legislation in force on the day the relevant legal relationship arose, an employer’s document on the payment of mandatory payments and an act of acceptance and delivery of work; work books of collective farmers; certificates issued by employers or state (municipal) bodies; extracts from orders; personal accounts and payroll statements; military ID.

The future pensioner may also be required to submit the following documents:

On changing the surname, first name, patronymic (marriage certificate, certificate of change of name, certificate of divorce);

Certificate of average monthly earnings for 60 consecutive months before January 1, 2002 during employment;

About disabled family members;

Confirming that disabled family members are dependent;

Confirming place of residence, stay or actual residence on the territory of the Russian Federation;

Confirming the place of permanent residence of a citizen of the Russian Federation outside the territory of the Russian Federation;

Confirming work experience in the relevant types of work (certificates specifying the special nature and conditions of work);

About education;

About the birth of a child (birth certificate);

On raising a child under 18 years of age;

Confirming that the child was recognized as disabled since childhood or a disabled child;

Confirming family relationships with a disabled person since childhood;

About the presence of the disease (for citizens suffering from pituitary dwarfism (midgets), and disproportionate dwarfs);

About work in the Far North and equivalent areas (employer certificates).

In addition, you may need:

Pay books or certificates issued by trade union bodies, with the participation of which agreements on the work of individuals with individual citizens were concluded, indicating the earnings of workers and employees of the relevant profession and qualifications employed at state enterprises and in public service organizations;

Copies of personal accounts issued by archival organizations.

What legal facts require documentary evidence?

The documents required for retirement should be prepared in advance. The procedure for establishing a pension is of an application nature. The following documents must be submitted along with the application:

Identity card of a citizen (representative);

Confirming the authority of the representative (when applying to the Pension Fund through a representative);

Confirming the duration of the insurance period;

Confirming the amount of salary received.

A document confirming the identity of a citizen, place of residence and citizenship of the Russian Federation is a passport. If the last name in the passport and other submitted documents does not match (this often applies to women), then marriage (divorce) certificates or certificates from the registry office will be required.

The main document confirming work experience is the work book. Sometimes, for various reasons, a person has not one work book, but two or more. If all of them are completed without violations and the periods of work do not overlap, they will all be accepted for credit. If the work book does not reflect all periods of work, then they can be confirmed with a certificate issued by the enterprise.

The following documents can be accepted as documents on wages: a certificate of wages issued by the enterprise. The data must be reflected monthly, the certificate is signed by the accountant and the head of the enterprise; a certificate of income from the tax office, confirmed by a certificate from the Pension Fund about the payment of insurance premiums (for entrepreneurs); certificate of payment of a single tax on imputed income (also confirmed by information from the Pension Fund on the deduction of insurance contributions).

Z The Pension Fund considers an application for an old-age insurance pension within 10 working days from the date of receipt of the application with all the necessary documents or from the date of submission of the missing documents (if they were submitted within three months). Therefore, it is very important that the submitted documents reflect the entire work activity as fully as possible.

In practice, it often turns out that the applicant cannot submit necessary documents, since the organization in which he worked no longer exists. In this case, the necessary certificate has the right to be issued by a higher organization or the one that became the legal successor as a result of renaming or reorganization. In this case, the certificate must reflect all relevant grounds: orders, instructions to change details.

During the year preceding retirement, Pension Fund employees conduct a preliminary check of the documents of those citizens who retire on next year. Typically, such verification is carried out through the enterprise. After the check, the citizen receives a corresponding act, which indicates all the missing documents. Pension Fund employees are obliged to assist in obtaining such documents: search for their location, make the necessary requests.

The procedure for recalculating pensions

There are the following grounds for recalculating the insurance pension:(Part 12, 18 Article 15, paragraphs 1 - 3 Part 2, Part 4 Article 18 of Law No. 400-FZ):

1) increase in the value of the individual pension coefficient (IPC) for periods before 01/01/2015;

2) an increase in the amount of coefficients determined for each calendar year of other periods counted towards the insurance period that occurred after 01/01/2015 until the date of assignment of the insurance pension;

3) an increase from 01/01/2015 in the amount of the IPC, based on the amount of insurance contributions not previously taken into account when calculating the amount of the old-age or disability insurance pension (when they were assigned, transferred from one type of insurance pension to another type, previous recalculation), as well as when assigning an insurance pension in case of loss of a breadwinner. In this case, recalculation is carried out (in the general case) without an application from the pensioner annually from August 1, and in relation to the insurance pension in the event of the loss of a breadwinner - from August 1 of the year following the year in which it was assigned. In this recalculation, the IPC is taken into account within certain limits.

From 01/01/2015, the amount of the old-age insurance pension for working pensioners is recalculated through an increase in the IPC if the pensioner is working, and the insurance contributions that the employer pays for him to the Pension Fund after 01/01/2015 are not taken into account when assigning an old-age insurance pension. In this case, the territorial body of the Pension Fund of the Russian Federation recalculates the old-age insurance pension or disability insurance pension without application from August 1 of each year (clause 3, part 2, article 18 of Law No. 400-FZ; clause 56 of the Rules, approved by Order of the Ministry of Labor of Russia dated November 17, 2014 No. 884n).

Maximum values of the IPC have been established, which are taken into account when recalculating the insurance pension without application. This value depends on whether the pensioner has pension savings (Part 4, Article 18 of Law No. 400-FZ):

Max IPC = 3.0 - for pensioners who do not have pension savings in the corresponding year;

Max IPC = 1.875 - for pensioners whose pension savings are formed in the corresponding year.

Grounds for recalculating the amount of a fixed payment to an insurance pension without an application

Change of disability group.

On this basis, the fixed payment is recalculated to the old-age or disability insurance pension. The territorial bodies of the Pension Fund (TO PFR) receive information about the establishment of a disability group from certificates issued by medical and social examination institutions (the certificates are received by them without the participation of the pensioner).

The pensioner reaches the age of 80.

Information about the pensioner reaching the age of 80 is obtained from the Pension Fund of the Russian Federation from the pension (payment) file.

Grounds for recalculation of the insurance pension and fixed payment to the insurance pension on an application basis

For recalculation of the insurance pension and fixed payment to the insurance pension in the application form, there are the following grounds (part 4 of article 15, parts 3 - 5, 8 - 10 of article 17, part 5, 8 of article 18 of Law N 400-FZ ; Decree of the Government of the Russian Federation dated March 18, 2015 No. 249):

The emergence of disabled dependents from the family of the deceased breadwinner.

On this basis, an increase in the fixed payment to the old-age insurance pension and to the disability insurance pension is provided for each dependent (no more than three disabled dependents are taken into account).

Changing the category of insurance pension recipient.

The basis applies to the survivor's insurance pension. For example, a child who receives a survivor's pension for one parent and subsequently loses the other parent is entitled to an increased individual survivor's pension rate. On this basis, an increase in the fixed payment to the insurance pension for the loss of a breadwinner is also established.

Acquiring the necessary calendar work experience in the “northern” regions(15 calendar years in the Far North or 20 calendar years in equivalent areas) and insurance experience (25 years for men and 20 years for women).

On this basis, an increase in the fixed payment to the old-age insurance pension and to the disability insurance pension is established.

Leaving work and (or) other activities or entering such work and (or) carrying out other activities during which the pensioner is subject to compulsory pension insurance.
Travel of a pensioner outside rural areas to a new place of residence.
Accommodation in the Far North and equivalent areas.

This basis for recalculation applies to a fixed payment for an old-age insurance pension, a disability insurance pension and a survivor's insurance pension. The fixed payment to the insurance pension increases by the corresponding regional coefficient established by the Government of the Russian Federation depending on the region (locality) of residence, for the entire period of residence of these persons in these areas (localities).

Indexation of insurance pensions

The insurance pension is adjusted as a result of indexation of the cost of one pension coefficient and the size of the fixed payment (Parts 6 - 7, Article 16, Article 17, Part 10, Article 18 of Law No. 400-FZ).

Every year, from February 1, the cost of one pension coefficient increases by no less than the consumer price growth index for the past year, and from April 1, it is established by the federal law on the PFR budget for the next year and planning period. From April 1, 2017, the cost of one pension coefficient is 78.58 rubles. (Part 20 - 22 Article 15, Clause 1 Part 10 Article 18 of Law No. 400-FZ; Article 8 of Law dated December 19, 2016 No. 416-FZ).

The fixed payment is also subject to mandatory annual indexation from February 1 to the consumer price growth index for the past year, as well as additional indexation from April 1 by decision of the Government of the Russian Federation, taking into account the growth in income of the Pension Fund. From 02/01/2017, the amount of the fixed payment is RUB 4,805.11. (Parts 1, 6 - 7 of Article 16 of Law No. 400-FZ; Part 1 of Article 6 of Law No. 385-FZ; Decree of the Government of the Russian Federation of January 19, 2017 No. 36).

Indexation of the size of the fixed payment to the insurance pension and the cost of one pension coefficient is not carried out for pensioners who carried out work (other activities), during which they are subject to compulsory pension insurance in accordance with Law dated December 15, 2001 No. 167-FZ ( Art. 26.1Law N 400-FZ;Part 1 Art. 7Law N 385-FZ).

To adjust the size of the pension in connection with a change in the value of the pension coefficient, as well as in connection with the adjustment of the size of the funded pension, the pensioner does not need to submit an application.

A working pensioner also has the right to request a recalculation of the amount of the fixed payment to the insurance pension. The fixed payment to the insurance pension is recalculated, in particular, in the cases (Article 17 of Law No. 400-FZ; Decree of the Government of the Russian Federation of March 18, 2015 No. 249):

Changes in the number of disabled dependent family members of the deceased breadwinner. When a pensioner has disabled dependents, an increased fixed payment is established for the old-age insurance pension and the disability insurance pension (but no more than three disabled dependents are taken into account);

Residence in the Far North and equivalent areas. The fixed payment to the old-age insurance pension is increased by the corresponding regional coefficient for the entire period of residence in the specified areas (localities);

Acquiring the necessary calendar work experience in the regions of the Far North and (or) equivalent areas and (or) insurance experience. An increased fixed payment is established for the old-age insurance pension and for the disability insurance pension.

Recalculation will be made from the 1st day of the month following the month in which the application was accepted (Part 1, Article 23 of Law No. 400-FZ).

Judicial protection of pension rights

The Russian Federation is social state, one of the main purposes of which is to create conditions that ensure a decent life and free development of a person. Article 39 of the Constitution of the Russian Federation determines that everyone is guaranteed social security by age, in case of illness, disability, loss of a breadwinner, for raising children and in other cases established by law. State pensions and social benefits are established by law. Protection of the rights and legitimate interests of citizens regarding pension provision can be carried out in court, which is directly enshrined in Art. 3, 29 of the Civil Procedure Code of the Russian Federation. Judicial protection of pension rights is the most important guarantee of respect for the constitutional rights of citizens. The preliminary administrative procedure for appealing the actions and decisions of pension authorities is not mandatory, which allows the applicant to most fully restore the violated right.

Decisions on the establishment or refusal to establish a labor pension, on the payment of the said pension, on deductions from this pension and on the recovery of overpaid amounts of such a pension can be appealed to a higher pension authority (in relation to the body that made the corresponding decision) and (or) to court. Largest quantity disputes arising from pension legal relations. constitute disputes about the protection of the rights of citizens to early labor pension, in particular, this is a challenge to the refusal of the territorial departments of the Pension Fund of the Russian Federation to grant an early labor pension due to the lack of special experience. Another basis for challenging the actions of the Pension Fund is the refusal to recalculate the pension due to the exclusion of certain periods of work from the insurance period.

The consideration and resolution by courts of this category of cases is carried out in the manner of claim proceedings in compliance with the provisions of the Code of Civil Procedure of the Russian Federation and with the application of substantive law in the field of pension provision for citizens. By virtue of paragraph 1 of part 1 and part 3 of Article 22 of the Civil Procedure Code of the Russian Federation, cases on disputes regarding the establishment or refusal to establish a labor pension, on the payment of the said pension, on deductions from this pension and on the recovery of overpaid amounts of such a pension, as well as on other disputes related to the assignment and payment of labor pensions fall under the jurisdiction of courts of general jurisdiction. When resolving the issue of jurisdiction of a dispute related to the exercise by a citizen of the right to a retirement pension, one should be guided by the general rules established by Articles 23 and 24 of the Code of Civil Procedure of the Russian Federation:

a) cases of property disputes where the value of the claim does not exceed fifty thousand rubles on the day of filing the application (for example, in the case of a claim for the recovery of an assigned but unpaid labor pension, for the recovery of overpaid pension amounts), in accordance with paragraph 5 of Part 1 Article 23 of the Code of Civil Procedure of the Russian Federation is subject to the jurisdiction of a magistrate;

b) cases on claims that are not subject to assessment (for example, cases on disputes arising in connection with the refusal to establish a labor pension, on the restoration of the period for applying to the relevant body providing pensions for payment of funds recorded in a special part of the individual personal account deceased insured person), by virtue of Article 24 of the Code of Civil Procedure of the Russian Federation, are subject to the jurisdiction of the district court;

c) in the case of combining related claims that are not subject to assessment and claims of a property nature that are subject to assessment (for example, claims for recognition of the right to an old-age pension before the age generally established by law (60 years for men or 55 years for women), and on the recovery of a pension not received due to an unreasonable refusal to assign it), the case is within the jurisdiction of the district court.

Claims in cases related to the exercise by citizens of the right to a labor pension are brought according to the general rule of territorial jurisdiction - at the location of the defendant (the relevant body providing pensions, refusing to grant a pension or paying a pension). By virtue of sub. 2 and 5 paragraph 2 art. 333.36 of part two of the Tax Code of the Russian Federation, plaintiffs who are disabled people of groups I and II are also exempt from paying state fees in cases considered in courts of general jurisdiction and by magistrates, taking into account the provisions of paragraph 3 of this article, and for claims of a property nature against the Pension Fund of the Russian Federation, non-state pension funds - plaintiffs-pensioners receiving pensions assigned in the manner established by the pension legislation of the Russian Federation. At the same time, plaintiffs who are not recipients of pensions (with the exception of plaintiffs with disabilities of groups I and II and plaintiffs applying to protect the rights and legitimate interests of a child), in disputes related to the exercise of the right to a pension, pay a state fee in the amount and procedure provided for Articles 333.19 and 333.20 of part two of the Tax Code of the Russian Federation.

The material was prepared using ATP “Consultant Plus”

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An old-age pension is considered one of the types of insurance pension, in addition to disability payments and survivors' payments. Such a payment is a mandatory measure of support from the state to its citizens. Let's take a closer look at this issue.

What it is

Old-age insurance payments are payments from the Pension Fund of the Russian Federation to a citizen of the country after reaching the age determined by the legislation of the Russian Federation. The old-age pension is cumulative in nature.

The main purpose of such payments is to compensate citizens who worked throughout their lives for their wages or other type of income through contributions that they sent to the pension fund during their working career.

According to federal law, old-age insurance payments are payments from the state, which consist of two parts: insurance and savings.

Who gets

Old-age pensions are received by persons who meet all the conditions. First of all, this is the retirement age: for women it is 55 years old, for men it is 60 years old. Also, to calculate a pension, you need work experience; it cannot be less than 5 years.

In addition, the insurance period is important - this is the period during which the employee was officially employed and sent contributions to the pension fund.

Contributions can be made by the employer or employee independently. In this case, an important point is work on the territory of the Russian Federation.

Conditions for assigning an old-age insurance pension

Citizens of the Russian Federation who meet the requirements for providing a pension in accordance with the Federal Law can receive insurance payments:

How to apply

It is possible to apply for old-age insurance benefits at any time after all the conditions for receiving it have been met.

To start receiving a pension, you must submit an application requesting old-age payments to the pension fund at your place of registration. It is also necessary to provide the pension fund with all the necessary documentation for registration of a pension.

An application for a pension can be submitted in several ways:

bring in person or through a proxy. In the latter case, a notarized power of attorney must be issued to the authorized person;
send an application by mail.

Important! If a citizen who wants to apply for old-age benefits permanently resides abroad, then an application should be submitted to the Pension Fund in Moscow.

Required documents

In order to receive a pension, you should contact the Pension Fund of the Russian Federation with the necessary package of documents:

a statement indicating that you are asking for an old-age pension;
passport or residence permit;
SNILS;
document confirming the period work experience indicating the applicant's details. Filled out in the prescribed form;
a document confirming the statute of limitations of employment. They also contain all the information about the applicant, passport data, enrollment period workplace and the period of dismissal;
salary certificate.

In individual cases, the pension fund may require additional documentation.

Payment deadlines

If the applicant provides a comprehensive package of documents for calculating the pension, the pension will be calculated within 10 days from the date of application.

In all cases, the insurance pension begins to be calculated from the day the application is submitted, but not earlier than the period at which the applicant may be entitled to it.

Implementation

In the Russian Federation, old-age pensions are paid to pensioners every month on a certain date. The pensioner himself can choose how he will receive pension funds. On this moment There are several ways to get money.

Post office: a pensioner can receive money both directly at post offices and at home. The post office is determined by the place of registration.

In this case, the pension is calculated on a certain day of each month. There may be changes due to holidays, but pensioners will be notified about this in advance.

It is important to collect pension payments from post offices on a monthly basis. If the pension is not withdrawn within 6 months, pension contributions will be stopped and you will need to write an application for renewal of the pension to the Pension Fund.

The second way to receive pension contributions is through a bank branch or ATMs. In this case, receiving cash payments is possible at the bank's cash desk, at ATMs that accept bank cards.

You can also contact an organization that also delivers pensions. In the latter case, you will need to notify the pension fund about who will make the delivery.

Important! It is possible to receive a pension for a pensioner only with a power of attorney executed by a notary. The power of attorney is valid for 12 months. Starting next year, the power of attorney must be renewed.

In addition, the pensioner must independently confirm his registration and residence details in order to exclude cases of loss of pension funds.

Is early appointment possible?

Legislatively defined and early appointment pension payments. Currently, there are a huge number of specialties represented on the labor market. varying degrees difficulties. In this regard, some categories of workers may be granted old-age insurance benefits ahead of schedule.

Early insurance payments are a type of pension payments to which citizens are entitled until they reach the retirement age provided for by law:

Persons who can receive early retirement include ballet dancers and theater workers who regularly performed on stage. The required work experience for such employees is from 15 to 30 years;
can also receive a pension early medical workers. To do this, they must work for 25 years in rural areas or 30 years in cities;
teachers can also receive a pension early (subject to 25 years of experience);
officials and civil servants also receive early retirement. Their mandatory work experience is 25 years;
employees of correctional colonies and prisons also retire after 25 years of service;
emergency services personnel and emergency services personnel. For them, retirement is provided after 15 years of work;
Flight attendants and pilots can also receive early retirement. The term of employment must be 25 years;
employees of the fleet, fishing industry. Work experience must be 25 years;
employees of mining industry enterprises and miners. Work experience is 25 years;
drivers public transport with a work experience of more than 15 years for women, more than 20 years for men;
employees of the port and maritime industry enterprises;
participants of geological exploration expeditions. For women, experience is more than 10 years, for men – 12.5 years;
metro employees and railway. For women, the retirement age is 50 years, for men – 55 years;
textile industry workers. Such employees must work at the enterprise for at least 20 years;
agricultural workers, including tractor drivers and machinists. Retirement age begins at 50 years of age;
employees who work in difficult conditions are also entitled to early retirement;
citizens working in hazardous industries. Work experience for the male population must be at least 12.5 years, for females - 10 years;
persons working at underground facilities also have the right to early payment of pensions;
unemployed citizens who lost their jobs due to layoffs at the enterprise.

An old-age insurance pension is a mandatory measure of support from the state. The pension is calculated when all conditions are met: a certain age and length of service must be reached.

Citizens of the Russian Federation or persons with a residence permit can receive old-age payments. To apply for old-age insurance payments, you need to go to the Pension Fund at your place of registration, or to the Moscow Pension Fund.

To apply, you need to write an application and provide a complete package of documents. You can receive a pension different ways: the most common is receipt through Russian post or bank. In some cases, old-age insurance benefits may be awarded early.

Old age insurance benefit is one of the main types of pensions in our country. In accordance with the law " About insurance pensions" No. 400-ФЗ dated December 28, 2013, in order to qualify for it, the requirements must be met regarding age, the minimum amount of experience and the minimum amount of points scored.

For some categories of citizens, a different retirement age has been determined -. These insured persons work in sectors and industries of the economy named in the Lists approved by the Government. In addition to such citizens general rules it is necessary to develop experience in the relevant types of work.

Labor and insurance pension: what is the difference?

Since the beginning of 2015, a new pension reform has started in Russia. Now, citizens who apply for a payment are issued an insurance pension; Such a concept as a labor pension is now absent from the new legislation.

One of the circumstances affecting the right to receive and the amount of payment is the length of service of the insured person. Previously, when assigning a labor pension, it was taken into account total experience. It includes the total duration of all periods of labor and other generally useful activities until 2002.

All citizens registered in the compulsory pension insurance system received conversion their pension rights as of January 1, 2002. Thus, their rights were converted into calculated pension capital.

The calculation of length of service for a given period is carried out in calendar order, taking into account the actual duration.
The only exceptions are certain periods of preferential work, which are counted in an increased amount in accordance with the legislation of the Russian Federation.

Now, when assigning an insurance pension, it is taken into account insurance experience. It includes periods of labor activity, during which insurance contributions to the Pension Fund were calculated and paid, as well as some non-insurance periods (conscription service, caring for a child under one and a half years old, for a disabled person of group I, a disabled child). Such socially significant periods are included in the insurance period, provided that there is direct work time before or after them.

Since 2015 pensions rights are taken into account in pension points, and when the payment is assigned they are converted into rubles.

Conditions for assigning old-age insurance pensions

Pension provision in our country is based on insurance principles, therefore the majority of our citizens receive an insurance payment in connection with old age. However, to assign such security there is a number of conditions described in Article 8 of the law “About insurance pensions”:

Reaching a certain age.
The fact of carrying out labor activity during the years established by law.
Availability of a minimum number of individual coefficients.

At the moment, the retirement age in Russia remains unchanged and is 55 years for women And 60 years for men. For those who work under preferential working conditions, the retirement age is significantly lower than the given figures and depends on the category of the beneficiary.

As for length of service, the minimum amount is should be 15 years when making a payment. This requirement will be introduced by 2024. In the meantime, over the course of several years, the required amount of experience will increase by one year from the previous 5 years gradually. In 2017, the required required experience is 8 years.

With the adoption of the new law, citizens are awarded individual coefficients for each working year. Such points by the time the pension is assigned 30 must be accumulated. This requirement will also not be imposed immediately, but by 2025. In 2017, it is necessary to accumulate 11.4 coefficients and every year this figure will gradually increase. It is worth noting that there is also point limit: from 2021, odds above 10 will not be taken into account; at the moment this figure is 8.26.

Right to early pension assignment

For some categories of citizens (disabled people of group I, citizens who have reached 80 years of age or who have dependents to support them), the value of the PV is set at an increased rate.
For citizens who worked or lived in the North, “northern” coefficients are applied to this value.

In addition, the state has provided for the possibility additional increase the amount of payment due to bonus coefficients if a citizen decides to retire at more late dates. In this case, the values of the IPC and FV will be increased depending on the period for which citizens postponed the registration of their pension benefits.

New calculation formula

Based on the above, you can convert all significant factors into a formula for calculating your pension.

It looks like this:

SP = IPC x SPK + FV,

JV- amount of insurance payment;
IPC- accumulated pension points;
SPK- the cost of one point on the day the pension is established;
FV- basic amount.

This formula fully applies to those citizens who began their working career in 2015. For those who have little time left before retirement, all accumulated rights will be converted (translated) into coefficients, and then the calculation will be carried out in a new way.

Indicators such as a fixed amount and the cost of a pension point are increased annually by the Government of the Russian Federation at the rate of inflation.

Amount of fixed payment towards pension in 2017

Previously (from February 1, 2016), the base amount was increased by 4% and amounted to 4,558.93 rubles. The annual indexation of this indicator, approved by the state, takes place at a level not lower than inflation for the previous year.

An important innovation since 2016 has been the abolition of indexation of this indicator for working pensioners. The fact of employment is determined on the basis of data provided by policyholders in a monthly simplified report. After termination of work, pension payment is resumed, taking into account indexation. Moreover, when applying for a job, the amount of the insured amount is again will not be reduced.

In 2017, the amount of pension insurance was increased twice: according to inflation in 2016 - 5,4% and additionally up to the value specified by law of 5.8%. Thus, from April 1, 2017, the amount of the fixed payment will be 4823.37 rubles.

Minimum old-age pension in 2017

In accordance with the formula introduced under the new law, in order to become eligible for an insurance pension, it is enough to have 8 years of experience and 11.4 pension points in 2017. If there are such minimum values of these indicators, the insurance payment will be assigned accordingly in the minimum amount.

It is worth noting that for recipients of pension payments, the amount of which is below the subsistence level established in the region of residence of the citizen, a federal social supplement (FSD) will be established.

Based on the above indicators, you can calculate the amount of insurance payment with minimum requirements.

It is known that the minimum requirement for pension points in 2017 is 11.4 pension coefficients. The insurance period is not taken into account when calculating the pension according to the formula.

Having data on the cost of a pension point in 2017 and the size of a fixed amount equal to 78.58 rubles and 4823.37 rubles, respectively, we calculate the amount of the minimum pension payment in 2017:

11.4 x 78.58 rub. + 4823.37 rub. = 5719.18 rub.

This amount is significantly lower than the national subsistence level (8,540 rubles), as a result of which, when assigning a pension with minimum requirements, you can count on a federal social supplement to your pension.

Assignment of pension benefits

In this case, the citizen must contact territorial body of the Pension Fund of Russia or to a multifunctional center (MFC), which has entered into an appropriate agreement with the fund.

Insurance pension established from the date of application after it, but not before the emergence of law. The day of application is considered to be the date of acceptance of the relevant application, or the number indicated on the postmark when transmitting such a document by mail, or the time of its sending via the Internet when using the government services portal.
An exceptional case from this rule is an application for old-age payment within a month from the date of dismissal from the enterprise. Then the pension will be assigned from the next day after dismissal.

An application for establishing a payment based on age is considered by specialists from the Pension Fund of Russia within 10 working days from the date of admission, after which a decision is made on appointment or refusal. In the latter case, the Pension Fund informs the citizen within five working days about the decision taken indicating the reason and deadline for appealing it. The period for reviewing documents can be extended beyond 10 days, but only if it is necessary to submit additional certificates. In any case he cannot be longer than three months.

The assignment of an old-age insurance pension is carried out without specifying the expiration date, that is indefinitely.

What documents are needed to apply for an old-age pension?

When applying for an old-age payment, it is necessary to in order to present the following documents:

passport of the insured person who is a citizen of the Russian Federation, or residence permit for foreigners;
certificate confirming registration in the compulsory pension insurance system (SNILS);
work book and certificates confirming the fact of the citizen’s work, in the absence of an entry in the main document about the length of service;
salary certificate for 60 months during consecutive periods of work in the work book.

The last document will be considered in comparison with the result obtained on a citizen’s salary for 2000 - 2001, available to the Pension Fund of Russia. The most profitable option will be selected to calculate the total amount.

To assign a pension, the following may be submitted: other documents, the need for which will be reported by a Pension Fund specialist after a detailed study of all submitted certificates. Documents from other departments of the state and bodies subordinate to it are requested without the participation of the citizen as part of the provision of public services.

Payment of old-age insurance pension

Age payments are calculated and delivered for the current month. Citizens can receive a pension on their own or by issuing a power of attorney to another person. If the validity period of this document exceeds one year, then payment under it will continue subject to confirmation by the pensioner of the fact of registration at the place of receipt of the payment.

When submitting an application for appointment, a citizen is required to indicate a convenient method for delivering the pension. There are several such options:

through post offices (at home or at the organization’s cash desk);
through a bank;
through an organization engaged in delivery of payments (at home or directly in such an institution, selecting it from the list of enterprises that have entered into an appropriate agreement with the Pension Fund of the Russian Federation).

Subsequently delivery method can be changed, if a citizen submits his expression of will in the form of a written appeal to the Pension Fund.

In accordance with current legislation, the recipient of an old-age insurance payment is obliged to notify the Pension Fund of all matters leading to a change in the amount of the pension, its termination or extension, as well as a change of place of residence on the next working day after the occurrence of such circumstances.

Pensions for compulsory pension insurance (MPI) can be divided into: old age, disability and loss of a breadwinner. The purpose of each of them depends on a number of circumstances, i.e. the onset of a specific insured event.

To establish an old-age insurance pension, it is not enough just to be insured in the compulsory health insurance system and have SNILS; in addition, it is also necessary to reach retirement age, have the necessary length of service and pension coefficients.

For more than 2 years (after the introduction of the law “About insurance pensions”) pension provision for citizens is assigned, which contains a new calculation component - individual pension coefficient, which depends on the amount of contributions made to the Pension Fund.

What is an “insurance pension”: concept and its types

In connection with the onset of disability, citizens insured in the compulsory pension insurance system (OPI) or, in some cases, their relatives are entitled to monthly cash support - this is insurance pension, which is paid to citizens to compensate for wages.

Since incapacity for work can occur due to old age or disability, payments are divided into old-age or disability pensions, respectively.
In addition, there is an insurance pension in the event of the loss of a breadwinner, which is provided to disabled relatives of a deceased citizen who was insured in the compulsory pension insurance system.

If the conditions for assigning insurance payments to a citizen are not respected, then he will be assigned a social old-age pension based on state support, but the age at which he reaches this pension will be increased by 5 years.

Minimum requirements for length of service, age and pension coefficients

In 2017, in order for a citizen to receive an old-age insurance payment, it is necessary that all three conditions:

reach retirement age, which in Russia is 55 years for women and 60 years for men;
have at least 8 years of work experience;
have 11.4 pension points (coefficients) in your individual personal account with the Pension Fund.

It is also necessary to take into account that in accordance with Appendix 3 of Federal Law No. 400-FZ of December 28, 2013, the minimum length of insurance coverage and the minimum number of IPC (points) for assigning an old-age pension will be increase every year.

Years of service requirements will increase every year for one year until 2024 and upon reaching it (and in subsequent years) in order to assign a payment it will be necessary to have 15 years of experience. In the same way, the requirements for the minimum number of pension coefficients are increased annually by 2.4 points, and already in 2025, to retire you will need to have 30 points on your personal account.

Right to early retirement

As you know, in our country a specific age has been determined for men and women, after which they can apply for old-age insurance benefits. However, at the legislative level, some categories of citizens are allowed to retire before the established age. As a rule, this is associated with difficult and dangerous types of work. Depending on their profession, citizens can receive payments five, seven, or even ten years earlier than ordinary workers.

In accordance with Article 30 of Federal Law No. 400-FZ of December 28, 2013, subject to certain conditions, the old-age insurance pension can be established ahead of schedule citizens of the following professions:

miners;
tractor drivers;
workers of locomotive crews;
public transport drivers;
pilots;
fire service workers;
teachers;
health workers;
representatives of creative professions, etc.

In addition, Article 32 of Federal Law No. 400-FZ of December 28, 2013 may grant early pensions to some social criteria of persons, i.e. the assignment is not related to the type of work performed:

women who gave birth and raised five or more children before the age of 8;
women who have insurance experience in difficult climatic conditions, if they have two children;
disabled people due to military trauma and visually impaired people of the first group;
midgets and disproportionate dwarfs;
northerners.

If certain conditions are met, then these citizens do not have to wait until they reach the generally established age; they have the right to retire earlier.

Where to apply for an appointment?

After a citizen has reached retirement age, and his insurance record and the amount of pension points is not less than established by the state, he can apply for an old-age insurance payment:

to the territorial body of the Pension Fund of Russia;
to the Multifunctional Center.

Contacting government agencies must be at the place of registration(including temporary). But if the insured person lives at an address not confirmed by registration, then an appeal is possible at the place of actual residence. However, Russians who have moved from the Russian Federation abroad for permanent residence and do not have registration in our country must contact directly the Pension Fund of Russia, which is located at the address: Moscow, Shabolovka Street, building 4.

Registration procedure and required documents

In order to apply for old-age insurance, you need to submit to the government agency the documents necessary to establish the payment. These are:

statement on the appointment of an old-age insurance pension;
passport(or residence permit - for foreign citizens);
SNILS(“green card” confirming registration in the compulsory pension insurance system);
documents confirming duration of insurance period(work book or its copy certified by the employer, etc.);
a certificate of average monthly income for 60 consecutive months during the period of employment (until 01/01/2002) or information on average monthly earnings in the period from 2000 to 2001.

For reference

Above are the main documents required to process the payment. In some cases (to confirm additional circumstances), additional documents may be required:

about changing the name, surname or patronymic;
about disabled relatives, etc.

Application for a pension

It is necessary to submit documents and an application for the assignment of security to the Pension Fund of the Russian Federation or the MFC. You can do this:

in person by contacting the territorial authority;
through a legal representative (by power of attorney).

Submission of documents is also provided by mail. In this case, the date of the citizen’s application for payment is considered to be the date of the postmark at the place of departure. In addition, the application can be sent through “Personal account of the insured person” on the official website of the Pension Fund (you can download the form there). The document must be in electronic format.

As a rule, the day of applying for the establishment of security is considered day of application acceptance. However, this applies to citizens who, on the day of filing the application:

submitted all necessary documents;
They did not submit all the documents, but within three months they provided the missing ones.

The Russian Pension Fund has the right to accept an application from a citizen for the establishment of an insurance pension no earlier than one month before the retirement age giving the right to payments.

Deadlines for appointment and payment of pensions

After the Pension Fund has accepted all the necessary documents, the application is considered within 10 working days:

from the day of admission, if all documents were submitted on time;
from the date of submission of the missing documents (if they were submitted within three months).

If all documents correspond to reality, and the citizen fully meets the three conditions for assigning insurance payments, then the pension provision is established from the day the citizen applies. Also, payment can be established earlier if within 30 days After leaving his job, the citizen applied for her. In any case, this type of pension is granted for an indefinite period.

Old-age insurance replaces a citizen's salary and is paid monthly. In this case, the pensioner has the right to choose a more convenient delivery method Money:

to your home (via Russian Post, delivery organization);
at the cash desk (via a bank, delivery organization or Russian Post).

To select the appropriate delivery method, you need to write application to the Pension Fund. This can be done either by contacting the territorial authority in person, by email or on the Pension Fund website.

For reference

The pension fund has the right refuse the application, if the information contained in the submitted documents is not true. In this case, the Pension Fund will notify the citizen within five working days from the date of the decision, indicating the reason for the refusal, and will also return all submitted documents to him.

The amount of old age pension in 2017

After the pension reform 2015, old-age insurance pension payments are calculated using the following formula:

SP = IPC × SIPC + FV,

JV- old age insurance pension;
IPC- individual pension coefficient (sum of points);
SIPC- cost of one point (IPC);
FV- fixed payment.

Since 2016, the cost of the individual pension coefficient from February 1st was 74.27 rubles, and the fixed payment was equal to 4558.93 rubles.

In February 2017, it is planned to index the value of the pension point and the fixed payment for inflation in 2016, which is planned to be about 5.8%.

As a result, their values will be:

SIPC - 78.58 rubles;
FV - 4823.35 rubles.

In accordance with these data, substituting them into the general formula, you can obtain the procedure for calculating old-age pensions in 2017:

SP = IPK × 78.58 + 4823.35 rubles.

To calculate this formula, all you have to do is substitute the sum of your own points(IPK).

Insurance coverage is monthly cash payments to individuals that compensate for wages and other income received while working.

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A pension is also provided to disabled family members of the insured citizen after his death.

The main component of the insurance pension is a fixed amount, the amount of which depends on the type of payments. Every year the pension is indexed based on the level of inflation.

Normative base

Russian pension system has undergone many reforms in recent years.

In 2019, there are several pension schemes for citizens:

government payments;
non-state provision;
compulsory insurance.

In accordance with Federal Law No. 400 on pensions, Russians receive three types of payments:

The old-age insurance pension is a mandatory measure of state support for the population.

The main purpose of the payments is to compensate people who have worked throughout their lives for wages and other types of income through accruals that their employers sent to the Pension Fund during their working career.

The conditions and procedure for ensuring payments are established by Federal Law No. 400.

Funds are accrued by the Pension Fund when a person reaches the age established by law. The nature of the pension is cumulative.

Who are the recipients?

To receive a pension, you must meet a number of conditions. This concerns, first of all, age.

Who is entitled to:

men aged 60 years and older;
women over 55 years of age.

Experience also plays a role - this is the time during which a person had official earnings and made contributions to the Pension Fund. Each pensioner is assigned an individual coefficient, which is taken into account when calculating the payment.

Structure

What does pension provision consist of:

cumulative.

Every citizen has the right to an individual option for the formation of accruals. This can only be the insurance part; the funded pension is not formed at all or is accumulated in a non-state pension fund.

You can also use both the insurance and savings parts.

The basic pension is considered to be an insurance pension. It consists of the accruals that the employer regularly made. These funds go to the employee's personal pension account.

The funded part is also transferred by the employing organization.

It differs from insurance in that it is not spent on current payments to pensioners, but accumulates in an individual account, can be invested and provide a profit.

Each person has the right to independently influence the size of the savings component. For this purpose, some enter into agreements with various non-state funds ().

Employees can make contributions to the Pension Fund themselves. A necessary condition for this is official employment in Russia.

For what period is it appointed?

If everything is in order with the applicant’s documents and he fully complies with the conditions for calculating the pension, payments are established from the date of application.

The pension can be assigned earlier if you submit an application within a month after dismissal.

One way or another, insurance coverage is provided for an indefinite period. It replaces and is paid every month.

The period for accrual and calculation of the pension is ten days after the applicant submits a comprehensive set of documents. Payments in all cases are calculated from the date of application, but not ahead of schedule established by law.

What is the difference from labor?

In the updated law on pension provision There is no such thing as a “labor pension”. Instead, an insurance pension payment is assigned.

An insurance pension refers to state-guaranteed monthly payments to established retirees that compensate for lost earnings.

A necessary condition for the emergence of the right to a pension is the presence of length of service.

This means that the citizen must have periods of work for which the employing company transferred contributions to the Pension Fund.

These may include non-insurance periods, but only if they were preceded by the payment of insurance amounts. This is stated in Article 13 of the Pension Law.

The main difference between a labor pension and an insurance pension is that previously the volume of payments depended primarily on the employer’s insurance accruals.

When assigning insurance coverage, the decisive factor is the length of work experience.

Insurance old-age pension from 2019

To receive a pension, you need to contact your local Pension Fund. The applicant must meet a number of requirements: reach a certain age, have work experience and accumulated individual points.

Necessary conditions for appointment and receipt

An old-age pension is awarded to persons who meet all the conditions:

age;
experience of five years;
availability of individual points (coefficients).

Citizens of the Russian Federation and persons with a residence permit have the right to security. To process payments, you should go to the Pension Fund at your registration address or to the Pension Fund of Moscow.

Insurance experience

Having the required work experience is one of the conditions for granting a pension. Pension legislation establishes a gradual increase in length of service for receiving payments.

In 2019, an innovation came into effect: insurance coverage is based on six years of experience, with a further annual increase in the minimum official “experience” to fifteen years.

The table shows the length of service requirements for pension payment:

Year of retirement	Minimum experience (number of years)
2015	6
2016	7
2017	8
2018	9
2019	10
2020	11
2021	12
2022	13
2023	14
2024, etc.	15

It turns out that starting from 2024, insurance payments will be accrued only if you have at least fifteen years of experience.

In addition to length of service, citizens must “accumulate” a certain number of points or coefficients.

They are calculated using a special formula.

The number of points depends on the size of the salary: the higher it is, the higher the annual coefficient. As a result, the points are determined by the volume of payments made to the Pension Fund.

The minimum score in 2019 was 6.6. By 2024, this value will increase to 30.

Age

Pension benefits are provided to Russian citizens who meet the requirements of the law. The main condition is compliance with the age criterion.

The right to receive a pension arises upon reaching a certain age:

women - from 55 years old;
men - for five years later women- 60 years.

Where to go?

Insurance payment can be issued at any time after all necessary conditions are met.

The first thing you need to do is submit an application to the Pension Fund at your registration address along with all the necessary documents. If a citizen lives at an address that is not confirmed by registration, he or she must apply at the place of actual residence.

The application can be submitted as follows:

when contacting the Pension Fund office in person;
send by mail (signature must be certified by a notary);
through a representative (a notarized power of attorney is issued for him).

If the applicant permanently resides in another state, the application is submitted to the Pension Fund in Moscow (Shabolovka, 4).

You can also apply for a pension through the website gosuslugi.ru. The service is available only to those who have registered.

An application for payments is submitted electronically through a special form. After reviewing the application, the Pension Fund sends a notification and informs you what documents need to be submitted in person.

Another option is to contact the Multifunctional Center (MFC), which has offices in any city. The first time you just need to come with your passport, the specialist will tell you what documents you will need.

Documents for registration

The following are submitted to the Pension Fund along with the application:

passport (residence permit);
SNILS;
documentary evidence of experience with the applicant’s data;
labor;
a certificate confirming the change of surname (if this fact took place);
certificate of salary for the last five years until 2012.

Depending on the specific case, PFR specialists may require additional paperwork.

The period for consideration of the application is ten days from the date of submission of the complete package of documents or submission of missing certificates.

How to write an application?

The application shall indicate:

Full name, registration address;
passport details;
SNILS number;
list of attached documents;
the basis for appointment is upon reaching retirement age.

The Pension Fund accepts applications no earlier than a month before a citizen reaches retirement age.

What to do if you receive a refusal?

The pension fund may refuse to grant a pension if the information specified in the application is not true or is not provided in full.

The applicant is notified of this within five days from the date of discovery of the above fact.

The specialist explains the reason for the refusal and returns the submitted documents. In this case, you need to clarify which documents are missing, prepare them and re-file the application.

When writing it, you need to take into account the comments previously voiced by the Pension Fund employee.

Early appointment

The law allows for early assignment of compensation. Insurance payments ahead of schedule are due to certain categories of workers.

Who is eligible?

Early pension is due:

health workers who have worked for 25 years in rural areas or 30 years in urban areas;
teachers with 25 years of experience;
FSIN employees and civil servants with 25 years of experience;
employees of the Ministry of Emergency Situations and emergency services - after 15 years of experience;
transport drivers (for women – 15 years of work, for men – 20 years);
the retirement age for metro and Russian Railways workers has been reduced by five years for men and women;
representatives of creative professions performing on stage (experience from 15 to 30 years);
pilots, flight attendants (25 years of experience);
miners (25 years old);
workers in hazardous industries and other categories of citizens.

Payments increase if the following conditions are met:

increase in score for periods before 2019;
increase in the amount of coefficients received after January 2019 and before the assignment of collateral.

Formula

The formula for calculation looks like this:

Old age pension= The amount of the old-age insurance pension as of July 31 of the year of recalculation + (point as of January 1 of the year of recalculation, based on deductions not taken into account when assigning a pension * point value on the day of recalculation)

How to calculate?

The pension is determined by the general formula:

Payout amount = sum of accumulated points * individual coefficient + fixed part

It turns out that the higher the coefficient, the greater the amount the pensioner will receive.

Calculation example

Citizen Petrov turns 60 in 2019. In 2019, after conversion, he received an additional 80 points. Between 2019 and 2019, Petrov earned 6 more points. Thus, by the time the payment was processed, he earned 86 points.

Let the fixed payment towards the pension be 5100 rubles, and the cost of the point – 100 rubles.

It turns out that Petrov’s pension will be: 5100 + 86*100 = 13700 rubles

Delivery options

A pensioner can choose the most convenient way receiving funds:

to your home by postman or at the Russian Post Office;
through a cash desk at a bank;
to a bank card.

To choose one option or another, you must submit an application to the Pension Fund.

Attention!

Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the website.
All cases are very individual and depend on many factors. Basic information does not guarantee a solution to your specific problems.

That's why FREE expert consultants work for you around the clock!

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