• Will there be an increase in pensions in October? Indexation of pensions for working pensioners, what benefits they are entitled to. Latest news and latest changes

    26.04.2021

    Pension indexation in 2018 in Russia will be carried out in three stages:

    The moratorium on indexation of pensions in 2018 will be maintained - that is, employed citizens who are already retired will be able to count only for recalculation from August 1 based on accrued pension points for the previous year. They will be able to receive all the indexation missed during the moratorium.

    In addition to indexing pension payments, in 2018 also in the basics of pension provision for Russian citizens, which will affect the conditions of retirement upon reaching retirement age and on the formation of pension rights of working citizens. Another question that concerns pensioners in connection with the onset of the new year is whether there will be one (alas, but no - this time there will be no such payment).

    Indexation of pensions in 2018

    According to the provisions of Law No. 400-FZ of December 28, 2013, insurance (labor) pensions of citizens must be indexed annually from February 1 to the inflation level of the previous year, and if the Pension Fund has additional financial resources, indexation is carried out again on April 1. But the new year is traditional The procedure for indexing labor pensions will change: their increase will occur 1 month earlier - already.

    Social pensions and other social payments made by the Pension Fund, will be promoted as usual to the actual level of price growth for 2017:

    At the same time, an increase in insurance pensions. Let us recall that the indexation of pensions for working citizens was suspended in 2016 due to the difficult economic situation in the country. This freeze helped save the state 12 billion rubles. However, all missed indexations must be compensated to the citizen already.

    Pension increase from January 1, 2018 (latest news)

    In accordance with the law adopted by the State Duma on December 15, 2017 (introduced by the Government as) on changing the procedure for indexing insurance pensions in 2018 all types of pensions (old age, disability, survivors) should increase from January 1, 2018 by 3.7%. The previous procedure for increasing labor pensions is suspended until the beginning of 2019, and this increase does not apply to working pensioners (see the text of the law below).

    It must be borne in mind that any insurance pension consists of two parts:

    • fixed payment(or FV) is a constant value guaranteed by the state (for all categories of recipients it is set in a fixed amount);
    • directly insurance part - this is an individual calculated value, which depends on the number of pension points earned during work.

    January indexation will affect both parts of the pension as follows:

    1. The fixed payment will be increased by 3.7% and will remain unchanged 4982 rubles 90 kopecks, its increase or decrease is legally established for certain categories of citizens by Law No. 400-FZ of December 28, 2013;
    2. The insurance part of the pension directly depends on the points earned by the pensioner, the cost of which will increase from January 1 by 3.7% and amount to 81 ruble 49 kopecks.

    In 2017, actual inflation in the country was recorded at no more than 3%. Consequently, the increase in pensions proposed by the Government by 1.037 times in 2018 formally covers the increase in consumer prices (although, of course, in its absolute value this increase will be very small - the increase will be even less than in previous years).

    Increase in social payments to pensioners in 2018 from February 1

    From February 1, 2018, there will also be an increase (indexation) of all social payments of the Pension Fund provided for various categories of citizens (disabled people, veterans, heroes of Russia, etc.). They are provided in the form of monthly cash payments(EDS), an integral part of which is also a set of social services (NSS).

    In general, NSU consists of three parts (medicines, travel and sanatorium treatment) and is provided at the choice of the pensioner in one of two ways:

    • in kind (that is, directly by social services);
    • in monetary terms when refusing natural food.

    The cost of a set of such services (each part separately) is determined by law and increases in direct proportion to the growth of the monthly payment (EDV) - i.e. by the same percentage. In 2018, this increase is planned at a level of less than 3%, so beneficiaries will hardly feel such an increase. The preliminary values ​​of EDV and NSU in 2018 can be found in the table.

    Thus, from February 1, 2018, it is planned to index social payments (including a set of social services) to the actual inflation level of last year. In the draft Government resolution, this value was fixed at 3.2%, but actual inflation will be less than 3%, so the size of the increase will be even smaller (the same applies).

    Indexation of social pension in 2018 from April 1 by 4.1%

    Social pension is a special type of pension, which is characterized by the pensioner’s lack of work experience. Such a pension is assigned in a fixed amount approved by law. And, as a rule, the sizes social pensions significantly lower than estimated labor (insurance) pensions.

    It should be noted that in the last two years there has been a decrease in the established growth rates of social pensions. So in April 2017, this type of pension was indexed by only 1.5%. In 2018, it is planned to reach the usual (pre-crisis) increase in the level of this type of pension provision - the projected growth of social pensions in April 2018 will be approximately 4.1%.

    Unlike labor pensions, indexation of social pensions is tied to change in the cost of living of a pensioner for the previous year. Therefore, the amount of indexation of insurance and social pensions for the same year may differ (although in both cases it is associated with actual increase in consumer prices).

    Thus, one of the positive changes in 2018 is a more noticeable increase in the cost of living (LS) in the country, including separately by region. At the same time, the established PM allows all non-working pensioners to receive additional payments (the so-called social supplements up to the subsistence level- federal and regional), if the size of their pensions is lower than the approved values.

    According to the law, the level of a citizen’s pension should always be not lower than the subsistence level in the region, in which he lives (hence the seemingly strange statements of the Government that “There are no low-income pensioners in Russia”- they all receive pensions together with others social benefits in an amount not less than PM.

    Since 2010, pension applications have already included a section on receiving social benefits. If your pension was assigned before 2010, and you did not submit a separate application for an additional payment, and the amount of the pension is below the established subsistence level in the region, then you must independently contact the territorial bodies of the Pension Fund.

    Pension increase in 2018 in Russia for working pensioners

    The laws adopted in the State Duma do not provide for any changes for the working population receiving pensions for 2018. This means that working pensioners will continue to receive pension amounts without annual indexation.

    Let us recall that the indexation of pensions was stopped in February 2016 for those citizens who continue to work, having exercised their right to pension provision. The Government’s plans included not indexing pensions for working Russians up to 2019.

    This moratorium on pension indexation operates as follows:

    • Those citizens who retired before February 1, 2016 and retained workplace, have remained without an increase in their pensions since February 2016.
    • For citizens who became pensioners after February 1, 2016, when calculating the individual pension coefficient (IPC), all increases that took place on the date the right to a pension became available are taken into account.
    • If you continue to work and simultaneously receive a pension, all subsequent indexations from the date of employment will again not be applied.

    Working pensioners have the right to increase their pension only through annual recalculation according to the employer. From August 1 of each year, the pensions of such citizens increase by the number of points taken into account in the previous year for the period of labor activity and payment of insurance contributions during this period. But no more than 3 points per year!

    An example of how working pensioners will recalculate pension indexation in the Pension Fund

    A woman born on May 1, 1962, retired in 2017 within the period established by law and continues to work. What indexations will be taken into account when determining the size of the pension? And from what time will the pension stop being indexed?

    The calculation of the pension for this woman will be made on the date May 1, 2017. When calculating the IPC, all approved pension growth indices will be taken into account, starting from 2015 to 05/01/2017.

    • The cost of one pension coefficient will be taken as of 05/01/2017 - this is 78.58 rubles.
    • The fixed payment included in the insurance pension will be taken into account taking into account indexation as of May 1, 2017 and is equal to 4805.11 rubles.

    Further, subject to continued performance of paid work, all subsequent indexations of singing after appointment will be suspended. Those. the indexation carried out will no longer be applied to this woman’s pension. And this will continue until she quits her job or is fired by her employer.

    Indexation of pension after dismissal of a working pensioner in 2018

    In 2017, a law was adopted according to which the period for recalculating pensions after dismissal was changed. In 2018, working pensioners will be able to receive a pension with all missing indexes from the next month after dismissal. In this case, the pensioner himself should additionally contact Pension Fund will not be required, since this recalculation is entirely based on the monthly reporting of employers!

    Previously, after leaving work, the pensioner received a recalculation of the pension received, taking into account all indexations in three months:

    • the first month is the submission of reports to employers to the Pension Fund about citizens working in the organization;
    • the second month - data on the fact of work was loaded into a single software package operating nationwide;
    • the third is the adoption by the territorial body of the Pension Fund of the Russian Federation of a decision on recalculation.

    For citizens who have stopped labor activity in 2018, the period for calculating pensions is reduced, taking into account indexations missed during work. This will be possible after entry into force from January 1, 2018 federal law No. 134-FZ dated July 1, 2017.

    However, the process of additional accrual of missed increases will be the same for technical reasons will also take several months. But after this, when paying an already recalculated pension after 3 months, an additional payment will be made for the entire period following dismissal.

    This innovation applies only to those who have been laid off. after January 1, 2018. If a pensioner quit, for example, in December 2017, then the indexation of his pension will be carried out only from April 1, 2018 - without additional payment for the period from January to March (in other words, these months will be lost).

    Latest news and latest changes in pensions

    As has already become clear, the increase in pensions in the new year for most categories of pensioners (barely noticeable) or, as for the large category of working pensioners -. But in the new year demands will increase to already formed pension rights and level wages Russian citizens for retirement:

    Other significant changes to pension system Russia is not expected in 2018. In particular, the amount expected by many in the amount of 5,000 rubles will not be paid in 2018- this was a one-time, one-time additional payment, which was due to all pensioners in January 2017 in return for the additional indexation required by law that was missed in 2016 (and there is simply no reason to pay it in 2018).

    And one of the few truly good news for Russians is that no decision has yet been made on what is relevant for those who are still working or planning to retire (including men born in 1958 and women born in 1963).

    Will there be a one-time payment of 5,000 rubles to pensioners in 2018?

    At the beginning of 2017, recipients of all types of pensions, regardless of the fact of work, received an additional payment in the amount of 5,000 rubles. This measure was necessary in the current economically unstable situation.

    On the background high level inflation and the inability to carry out additional indexation of pensions in 2016, a decision was made to make a one-time payment in addition to citizens’ pensions (Law No. 385-FZ of November 22, 2016). Thus, the pensions of Russians were “conditionally re-indexed”, many of whom perceived this simply as a New Year’s gift.

    Currently, according to the Government, the economic situation in the country is normalizing. Over the past 12 months, the increase in consumer prices (inflation) does not exceed 3%, and pensions in 2017 rose in total according to two indexations by 5.78%.

    The upcoming indexation of 3.7%, planned for January 2018, exceeds the inflation rate for 2017. Therefore, no additional one-time payments (5 thousand rubles or any other) will be made besides!

    Will there be an increase in the retirement age in 2018 (latest news)

    In the last few years, the most discussed and acute issue for Russians is question of increasing the retirement age. In many other countries, including post-Soviet ones, corresponding decisions have already been made and are being implemented.

    • For example, from January 2017 in Belarus the retirement age will be increased annually by six months until women reach 58 years and men 63 years. In Kazakhstan, the same values ​​apply - for women at 58 years old, for men at 63 years old.
    • In many developed countries, such as Germany, men become pensioners at 65 years old, and women at 60 years old.
    • In Ukraine, the Verkhovna Rada adopted a law on pension reform, which also includes an increase in the current retirement age.

    Now this issue has come to a head in Russia. According to the Government, it is primarily due to the fact that the working age in the country is increasing - i.e. About a third of Russians already stop working later than retirement.

    However, due to the great unpopularity of this measure, the Russian Government has not yet made a final decision on extending the retirement age (although many consider this issue resolved and note that it will most likely begin to be implemented after the next presidential elections, which will be held in March 2018 - but for now these are just rumors).

    How many points and work experience do you need to retire in 2018?

    Since 2015, a point system for calculating labor (insurance) pensions for citizens has been in effect, in which insurance premiums paid to the Pension Fund by the employer for its employees are transferred from rubles to relative values ​​(points). The amount of contributions taken into account for the year is correlated with the maximum accountable amount of contributions approved by the Government, which corresponds to 10 pension points(this is the maximum that can be received in one year).

    But in order to obtain the right to retire in old age within the generally established time limits, it is necessary to comply three mandatory conditions:

    • reaching the age established by law;
    • availability of insurance (work) experience;
    • the presence of an established value of the individual pension coefficient (IPC) or, in other words, the size of pension points.

    It should be noted that this only applies to old age pensions! Other types of pensions for compulsory pension insurance (disability, survivors) are appointed independently on the length of work (insurance) experience and the number of points received.

    Since 2018 prerequisite to assign a pension upon reaching retirement age (currently 55 years for women and 60 years for men) is the availability 9 years of experience and 13.8 points individual pension coefficient (IPC).

    An example of calculating pension points from 2015 to 2018

    For a man born in 1965, he has an official salary before income tax (NDFL) of 30,000 rubles (accordingly, annual earnings are 360,000 rubles). Let’s assume that this citizen’s salary has never increased since 2015. At the same time, deductions are not made for him to the funded part of the pension, since he was born before 1967. Thus, the employer pays insurance premiums for this man to an individual personal account in the amount of 16% of earnings before personal income tax - that is, 16% × 360,000 = 57,600 rubles per year. Let's calculate how many points this man has earned since 2015, when the new pension formula came into effect.

    Every year the Government approves for these purposes the so-called salary cap, the amount of mandatory contributions from which to the Pension Fund of the Russian Federation to a citizen’s individual personal account is 16%. Thus, the maximum established salary in the country from 2015 to 2018 is the following values ​​(see table below).

    In 2018, the insurance base for contributions to the Pension Fund will be 1,021,000 rubles according to Government Decree No. 1378 dated November 15, 2017. Then the maximum amount of insurance premiums taken into account for the year, accepted for 10 points, will be 163,360 rubles (an increase of almost 17% compared to 2017).

    Therefore, every ruble earned in 2018 will “depreciate” when transferred to pension points relative to 2017 by immediately 1 - (1 / 1.17) = 15%, and relative to the level of 2015 - by more than 30! Therefore, it is not enough to have only a constant high salary to form decent pension rights. So that their volume does not decrease from year to year, according to the new pension formula salary must grow by at least 10% per year(see table above).

    Let's return to our example. To convert monthly earnings of 30,000 rubles into points, you need to correlate the salary data (taking 16% of annual earnings, which in the example under consideration will be 57,600 rubles per year) to the established limit values ​​and multiply by 10:

    • 57600 / 113760 × 10 = 5.06 points earned by a citizen in 2015;
    • 57600 / 127360 × 10 = 4.52 points in 2016;
    • 57600 / 140160 × 10 = 4.11 points in 2017;
    • 57600 / 163360 × 10 = 3.53 points will be earned in 2018.

    Thus, in just 4 years, while maintaining the same level of wages (in the example under consideration, this is 30 thousand rubles per month) the number of accrued pension points decreased by 30%(in this example - from 5.06 points in 2015 to 3.53 in 2018). Thus, in the modern pension system

    (20 years) in law enforcement agencies (Ministry of Internal Affairs, fire prevention services, penal system, po). The assignment and transfer of the necessary funds is within the competence of the unit where the citizen served.

    It is important to understand that the article describes the most basic situations and does not take into account a number of technical issues. To solve your particular problem, get legal advice by calling the hotlines:

    Salary amounts are set at the federal level in accordance with government regulations. Each military unit has its own salary levels.

    Will pension indexation take place in October?

    When will military pensions be indexed?

    The next increase in pension payments is scheduled for. The draft budget for next year stipulates who will receive an increase in pension benefits. This includes insured persons receiving benefits from the Pension Fund.

    This increase is due only to those pensioners who are not employed. If a citizen has not completed his labor activity, he can only count on an annual recalculation, which takes place in.

    Some categories of persons receive payments that are determined on the basis of a social pension. Based on this value, payments are determined for conscripts who become disabled while performing their duty.

    Magnitude social security is fixed and fixed at the level 5034.25 rub. for 2017. His increase is planned for and will be 4.1%, after indexation - 5240 rubles.

    There have been no statements from state authorities whether military content will be indexed in 2018.

    Increase in insurance pensions in October

    In January 2017, recipients of insurance and military support were paid 5,000 rubles. This financial support made it possible to compensate for high inflation rates without holding autumn indexation in 2016.

    During 2017, indexation of pension provision took place twice. In February, payments were indexed in the amount of 5,4% . A month later, payments were indexed to 0,38% .

    No other increases are expected in 2017. That's why pension in October 2017 for ordinary pensioners will remain the same.

    The bill submitted to the State Duma intends to recalculate the amount of insurance pensions for non-working pensioners for the period from January 1, 2016 to January 1, 2018, when indexation of pensions was carried out at a reduced level.

    From January 1, 2016, the amount of indexation of insurance pensions based on the results of 2015 for non-working pensioners was 4% instead of 12.9% - the inflation rate based on the results of the previous year. According to the calculations of the authors of the initiative, at the end of 2015, the under-indexation of insurance pensions for non-working pensioners amounted to 8.9%.
    At the same time, at the end of 2016, the fixed part of the insurance pension of non-working pensioners was indexed by 5.4% from February 1, 2017. Let us recall that the second indexation of pensions last year was replaced by a one-time payment of 5 thousand rubles, which was paid only in January of this year. It is planned that payments will be made from the Pension Fund budget and this will require up to 963.1 billion rubles.

    What awaits retirees in 2018? Indexation of pension payments is planned for 2018 in Russia. According to information from government representatives, this time it will take place in three stages. At the same time, the increase will be one-time, as there have been some changes in the indexing rules. Each of the three procedures will affect different groups of pensioners.

    It is worth talking in more detail about what exactly awaits Russian citizens of retirement age after indexation. First of all, it is worth saying that the increase in pensions for the first category will begin in January. The government previously decided to move the start date back a month. According to previously adopted bills, pensions will increase in proportion to the growth of inflation in Russia.

    In addition, it is planned to take into account the increase in the cost of all groups of consumer goods. Therefore, the Pension Fund of the Russian Federation usually waited for Rosstat to finally calculate inflation. Next year, calculations will be carried out in advance, so that the process of increasing pensions can begin on January 1. All Russian citizens who fall under the first stage will receive an increase of approximately 3.7 percent of current payments. The government initially planned an increase of approximately 4% in next year. This was the forecast for current inflation.

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    The reality turned out to be much more positive, which is why it was decided to reconsider the size of the increase. Thus, prices for all groups of consumer goods in average annual terms as of September increased by approximately 3 percent. At the same time, the inflation rate was about 3.7 percent. Therefore, the Cabinet of Ministers decided not to wait for official figures and immediately budget for a future increase of 3.7%. In any case, it will be higher than real inflation, since by the end of the year a decrease in its rate is usually recorded. The average pension payment this year is approximately 13.5 thousand rubles. In some regions it reaches 20 thousand, and in some it does not reach 10 thousand rubles.

    Government representatives previously noted that it would not be possible to equalize the indicators, since different areas and regions there is a different coefficient of increase in the cost of consumer goods. Taking into account indexation, in a year the average pension will increase to 14,023 rubles. That is, the average increase can be about 420 rubles. It is worth talking in more detail about all the stages of increasing pension payments, as they have certain features. The second to increase pensions are social pensioners. They are approximately 4 million Russian citizens.

    As a rule, these are disabled people, war veterans, children left without a breadwinner in the family and other beneficiaries, as well as those who have not earned required experience. Now the average social pension is 8,742 rubles. In April, its size will be increased by approximately 4.1 percent. Currently, the average pension for disabled children or those disabled since childhood is 12 thousand rubles. At the same time, in some regions the payment does not exceed 6 thousand rubles. As the Pension Fund of Russia explains, all pensioners (both social and insurance) whose income is below the pensioner’s subsistence level (PL) in their region of residence are entitled to social supplements. All the details of the transition to the new payment system will be made public closer to the beginning of the first stage of indexing. The final stage is scheduled for August of this year. As part of it, pensions for working pensioners will be raised. There are about 14 million of them in Russia.

    According to information from government representatives, indexation will not affect them, however, the amount of payments will increase due to an increase in seniority. Companies continue to pay insurance premiums for working pensioners. According to the updated rules, they are transformed into pension points. One point will be valued at 78 rubles. In 2019, its size will be increased to 81 rubles. For all temporarily working pensioners, other incentives have appeared - for example, you can postpone retirement voluntarily (or suspend receiving a pension).

    After this, the individual will have to contact the social insurance service and apply for retirement again. IN in this case the amount of its payments will be affected by annual indexation.

    Read also on the topic:

    Demolition of dachas and houses of citizens due to proximity to the “pipe” How to refuse free medications and receive cash payments 01/15/2018: Pensions, payments to large families and low-income families, single mothers, parents of disabled children. Writing off debts on land, property and transport taxes from the population in 2018

    In “” on the PFR website, pensioners can see information about the type, amount and date of assignment of the pension received and assigned social benefits.

    In addition, it contains information about those pension rights that were not previously taken into account when calculating pensions. This refers to contributions for 2018, which the Pension Fund converts into points.

    Note: At the same time, information about earnings, insurance premiums, points and length of service of a pensioner for previous years is not available in the service, reminds the Pension Fund.

    Points accrued for 2018 will be taken into account when recalculating the pension in August 2019.

    Moreover, there is a maximum threshold.

    For example, a pensioner’s ILS for 2018 shows 8 points. However, when recalculating the pension amount from 08/01/2019, the maximum value of the individual pension coefficient will be taken into account - 3. It is not clear where the rest will go.


    Russia is recognized as one of the worst countries for retirees

    Russia entered the top five worst countries in the world for retirees, ranking 40th out of 43. Only Brazil, Greece and India were worse.

    According to "", which is compiled annually by Natixis Global Asset Management, the leaders were Norway (86%), Switzerland (84%) and Iceland (82%). In Russia, the index fell from 46% to 45% over the year.

    The index measures the comfort level of retirement in a given country. The calculations use four key parameters: financial situation, material well-being, quality of life and health. Each of these parameters can be rated on a scale from 0% to 100%.

    Working pensioners 2019

    The article will help you find out what will happen to the pensions of working pensioners in 2019, whether they are entitled to benefits and what part of the pension will still be indexed.

    As of January 1, 2015, there were about 15 million working pensioners in Russia. This amount can be explained by the fact that to a greater extent the size of pensions is not able to satisfy the needs of citizens. In this article we will tell you the latest news about indexation of pensions for working pensioners, tell you what benefits they can count on and give practical advice on finding work for retirees.

    Article outline:

    1. Rights of working pensioners in 2019.
    2. Frequently asked questions on the topic “Rights of working pensioners.”
    3. All about indexation of pensions for working pensioners.
    4. Benefits for working pensioners in 2019.
    5. What are working pensioners deprived of compared to non-working ones?
    6. How to find a job for a pensioner?

    Rights of working pensioners

    Every year in Russia, more and more pensioners prefer to continue working after reaching retirement age. There are many reasons. Here are some of them:

    • Small pension payments, which are not enough to maintain a comfortable standard of living.
    • The retirement age in Russia is not high, so citizens are still able to continue working.
    • Reluctance to lose position.
    • Having free time that you want to fill with interesting activities.
    1. Pensions to working pensioners must be paid without restrictions in the manner prescribed by law.
    2. Whether pensioners will work after they reach retirement age should be decided in accordance with the Labor Code Russian Federation. You cannot fire a working pensioner just because it is time for him to go on vacation.
    3. Citizens who have retired due to age can get a job according to an employment contract.
    4. Pensioners have the right to work part-time.
    5. From January 1, 2019, working pensioners have the right to receive annual paid leave.
    6. Sick leave must be provided to working pensioners legally.
    7. Every citizen can quit his job upon reaching retirement age. The employer has no legal right to oppose his decision.

    They want to completely cancel pensions for working pensioners

    The Government of the Russian Federation is working on preparing an anti-crisis plan, one of the points of which provides for the complete abolition of pensions for some working pensioners.

    In accordance with the document being prepared, the state can cancel all types of pensions for citizens of retirement age who continue to work and whose income exceeds 1 million rubles per year. According to officials, such a measure will at least partially stabilize the Pension Fund's budget.

    Frequently asked questions on the topic “Rights of working pensioners”

    Question 1: Can a working citizen count on additional leave after going on vacation?

    Answer: Every person who continues to work after reaching retirement age has the right to an additional unpaid leave of 14 days, provided once a year. This rule is stated in Labor Code RF.
    The following are entitled to additional unpaid leave:
    • WWII participants - up to 35 days annually.
    • Disabled people - up to 60 days annually.

    Question 2: Can an employer force a pensioner to go on unpaid leave?

    Answer: Legally, an employer does not have the right to force a pensioner to go on vacation.

    Question 3: If a citizen took an additional leave of absence for 14 days, can he interrupt it at any time and go to work?

    Answer: Yes, it can. Additional leave can be added to the main annual leave without pay.

    Question 4: Is it possible to fire a pensioner?

    Answer: Working citizens do not have privileges and they can be dismissed in accordance with the Labor Code of the Russian Federation, if there are appropriate grounds, like any other employee with the exception of disabled people and pregnant women.

    Question 5: Should a citizen work the two weeks established by law after dismissal?

    Answer: According to the Labor Code of the Russian Federation, he can quit without working off.

    Question 6: Can an employee of retirement age be laid off?

    Answer: Reduction, just like the dismissal of a working pensioner, occurs according to legal grounds without any restrictions. Only disabled combatants who received disabilities in connection with the defense of the Fatherland and disabled WWII have privileges. This is written in detail in Article 179 of the Labor Code of the Russian Federation.

    Question 7: Can an employer terminate an employment contract with a retired citizen and instead enter into a fixed-term employment contract?

    Answer: Such actions are possible only mutually. Termination without the employee’s consent employment contract not allowed. IN otherwise this fact can be appealed in court.

    Question 8: Can an employee petition the employer to reduce working hours?

    Answer: Maybe, but the employer has the right to refuse him if he is not disabled.

    Question 9: Does a retired person have the right to work overtime and on holidays?

    Answer: Of course it does. Just like an ordinary employee.

    All about indexation of pensions for working pensioners in 2019

    Working pensioners will not be affected by those who work. The pension will remain at the established level. The increase will only occur after these citizens are fired. Then the missed indexations will be carried out for them, as a result of which the pension will reach the required level.

    Working pensioners do not need to quit immediately

    Note: Source: Rossiyskaya Gazeta

    The Pension Fund hastened to dispel rumors that appeared in the media that pensioners who did not retire by 2019 will be deprived of their pensions starting next year.

    All citizens who are now eligible to receive a pension will receive pensions in 2019. Moreover, regardless of whether the pensioner works or not. The citizen himself decides whether to quit his job.

    If a working pensioner decides to retire, his insurance pension will be recalculated upward. The fact is that upon termination of work, a citizen’s pension is paid taking into account the indexations that took place during the time when he was a working pensioner.

    True, he will begin to receive a new increased pension only 3 months after his dismissal. This is due to the period during which the Pension Fund receives from employers the information necessary to recalculate pension payments.

    Benefits for working pensioners in the Russian Federation

    According to the legislation of the Russian Federation, pensioners have the right to benefits that apply to all citizens who have reached the age of retirement, regardless of whether they continue their working activities or not.

    In this section we will look at the rights and benefits that are available to working pensioners. Some of them are relevant exclusively for the working population, while some are suitable for all retirees, regardless of status.

    So, the following benefits and rights are provided for working pensioners:

    1. Persons who have retired due to age cannot be dismissed solely at the request of the employer without reasons specified by the Russian Federation.
    2. Every citizen who has reached retirement age has the right to stop working and write a letter of resignation at his own request.
    3. Pensioners can get a job again. However, their pension will not decrease.
    4. The length of the working day for pensioners cannot be changed if the employer wants it without reasons specified by law and the consent of the employee.
    5. Working pensioners have the right to additional leave. True, it will be provided at your own expense. Vacation period is up to 14 days. To receive leave, you must write a corresponding application. Additional leave can be used immediately or partially within one year.
    6. When concluding an employment contract between an employer and a pensioner, compulsory insurance contributions must be deducted in favor of the latter, which will go towards the funded pension.
    7. If a person of retirement age is a veteran or disabled, he can receive a free trip to a sanatorium. This may be within the framework of special programs at the local and regional level.
    8. Upon reaching 60 years of age, Russians have the right to receive a free flu vaccination.
    9. Obtaining heat and gas at the expense of government funds.
    10. According to the decision of a local or regional authority, retired citizens have the right to receive free medical care not only in a clinic on your site or a city hospital, but also in a gerontological center.
    11. If a pensioner has a disability, he can receive the necessary medications on preferential terms.
    12. Pensioners receive money from the state.

    Tax benefits for pensioners

    Pensioners have privileges in paying property taxes. Citizens of retirement age who own real estate can take advantage of the benefits described below.

    If a pensioner has a premises that is used for a library, creative studio, etc., then he may be exempt from paying property tax, provided that the area of ​​​​the said premises does not exceed 50 sq.m. and the land plot on which the building is located is provided for individual housing construction, a summer residence or private farming.

    You can receive such a benefit only once and for one object. Even if a pensioner has several garages or apartments and uses them as a library and a non-state museum, then the benefit can only be used in relation to one of the real estate properties. The choice remains with the owner.

    If the property owner does not submit an application by November 1 of each year, the tax authority will independently select an object that is not subject to property tax.

    It is worth noting that in the regions of the Russian Federation, state support is provided for the payment of transport tax for pensioners (working and non-working). Residents of the Krasnodar Territory, the Republic of Adygea and the Kostroma Region pay half of the accrued amount to the budget.

    Only one vehicle is exempt. It is chosen by the payer. Please contact your local tax office or administration for details.

    As for land tax, this issue, like the previous one, is resolved at the regional level. This is explained by the fact that the tax funds received are sent to the local budget. Therefore, detailed and accurate information can only be obtained at your place of residence.

    Pensioners in the cities of Rostov-on-Don, Tomsk and St. Petersburg are completely exempt from paying land tax on a land plot of up to 25 acres. Pensioners in Novosibirsk pay only half of the land tax.

    To receive assistance, you need to apply to the relevant authority and provide pensioner's ID. The deadline for submitting documents is determined individually for each region. Be sure to pay attention to this.

    What do working pensioners lack compared to non-working ones?

    Despite the fact that working pensioners are entitled to benefits, non-working pensioners still have more benefits. For example:

    1. Retired citizens and those who have stopped working can benefit from compensation for travel to a place of rest. Working people do not have such opportunities.
    2. Social supplement to pension is provided only to non-working citizens of retirement age. Even if the pension amount of a working pensioner is less than the subsistence minimum, he will not be able to receive additional payment until he stops working.

    Whether it is profitable to be a working pensioner or not is determined only on an individual basis, and this is primarily influenced by the amount of wages.

    How to find a job as a pensioner

    The Labor Code of the Russian Federation does not limit or prohibit the labor actions of citizens who have reached the age of retirement. However, this rule often applies only at the legal level.

    Often employers do not want to hire pensioners and use all possible means to force their employees to retire no later than the due date.

    We invite you to familiarize yourself with several for retirees:

    1. If you have certain skills, share them with those who wish. Pupils and students are willing to pay to gain knowledge. Many retired teachers earn money by teaching classes, or simply by tutoring. It is worth noting that the payment for such work is not too small and will constitute a noticeable addition to the pension.
    2. Work as a concierge, cloakroom attendant or janitor. Such work is not highly paid, but if you have free time, an extra penny won’t hurt.
    3. Another job option is to become a nanny for a child or a caregiver for a sick person.
    4. Taxi dispatcher.
    5. Call center worker.
    6. Needlework. Today results are valued manual labor- embroidery, knitting, lace weaving, making wooden and clay products, etc. Turn your favorite hobby into a way.
    7. Growing vegetables and selling them. By working on your personal plot you can earn a pretty penny in a similar way. It's not easy, but there will always be buyers for vitamin-rich vegetables and fruits.
    8. . After retirement, citizens can work without leaving home. You can give online lessons, write articles for sale, participate in competitions, etc.

    If the time has come to retire, do not despair and prepare for boring and monotonous everyday life. Find something you like and be glad that you have time to do what you love.

    From 2016, working pensioners will receive an insurance pension without indexation. Payment of insurance pensions to working pensioners

    From January 2018 after the pensioner ceased working activity full size pensions, taking into account all indexations, will be paid for the period from the 1st day of the month after dismissal. This became possible thanks to the adoption of Federal Law No. 134-FZ on July 1, 2017, which will come into force on January 1, 2018.

    Note: Download the booklet for working pensioners (.pdf 88.5 Kb)

    In accordance with changes in pension legislation, since 2016, working pensioners receive an insurance pension and fixed payment to it without taking into account planned indexations. This provision of the law applies only to recipients of insurance pensions and does not apply to recipients of state pensions, including social pensions.

    In February 2016, it applies only to pensioners who were not working as of September 30, 2015.

    If a pensioner belongs to the category of the self-employed population, that is, is registered with the Pension Fund as a notary, lawyer, etc., such a pensioner will be considered working if he is registered with the Pension Fund as of December 31, 2015.

    What documents and where should a working pensioner submit?

    To resume receiving an insurance pension, taking into account indexation, a citizen submits an application about the fact of termination of work. In most cases, the application is accompanied by a copy of the work record book, from which it follows that the citizen has ceased working. You can submit an application after the relevant federal law comes into force, i.e. from January 1, 2016. Applications are accepted by all territorial bodies of the Pension Fund and MFC, which accept applications for the assignment and delivery of pensions. The application can be submitted in person or through a representative, or sent by mail.

    • Application form for the fact of implementation (termination) of work and (or) other activities
    • Rules for filling out an application for the fact of carrying out (terminating) work and (or) other activities

    The pensioner left work in December 2017

    In January 2018, the Pension Fund received reports from the employer for December, in which the pensioner was still listed as working. The fact that the citizen no longer works became clear from the report for January - his employer submitted it in February 2018. In March, the Pension Fund decided to pay a pension taking into account all missed indexations, and in April the pensioner will receive the full amount of the pension, as well as the monetary difference between the previous and new pension amounts for the previous three months - January, February and March.

    If a pensioner plans to retire this year and wants to understand when they will actually start paying him the full amount of his insurance pension, he can use the table as a guide:


  • All non-working pensioners whose total amount of material support does not reach the pensioner’s subsistence level (PLS) in the region of his residence are given a social supplement up to the pensioner’s subsistence level.

  • Information is provided on the rules of how pensions are calculated using the new formula. How is the pension reform going?
  • Month of dismissal of the insurance pension recipientStart of payment of insurance pension with all past indexations
    January 2018May 2018
    February 2018June 2018
    March 2018July 2018
    April 2018August 2018
    May 2018September 2018
    June 2018October 2018
    July 2018November 2018
    August 2018December 2018
    September 2018January 2019
    October 2018February 2019
    November 2018March 2019
    December 2018

    Pension indexation in 2018 in Russia will be carried out in three stages:

    • Already from January 1, the labor pension for non-working pensioners (for old age, disability and loss of a breadwinner) will increase by 3.7 percent. This indexing will be carried out one month earlier than usual, since the Government decided to index these types of pension payments above the inflation rate, which in 2017 was at a record low level (less than 3%).
    • From February 1, social payments paid by the Pension Fund independently or in the form of a pension supplement (EDV, NSO) will be indexed as usual. In 2018, these payments will be indexed according to actual inflation for 2017(projected at less than 3%, so pensioners are unlikely to feel such an increase).
    • From April 1, social pensions paid to pensioners without work experience (including disabled children) will be indexed. This type of pension is assigned to fixed amount and increases taking into account changes in last year quantities pensioner's living wage. In 2018, the indexation of social pensions is planned at 4.1%.

    The moratorium on indexation of pensions for working pensioners in 2018 will be maintained - that is, employed citizens who are already retired will be able to count only for recalculation from August 1 based on accrued pension points for the previous year. They will be able to receive all indexation missed during the moratorium only after dismissal.

    In addition to the indexation of pension payments, in 2018 there will also be a number of changes in the basics of pension provision for Russian citizens, which will affect the conditions for retirement upon reaching retirement age and the formation of pension rights of working citizens. Another question that concerns pensioners in connection with the onset of the new year is whether pensioners will receive 5,000 rubles in January 2018 (alas, no - this time there will be no such payment).

    Indexation of pensions in 2018

    According to the provisions of Law No. 400-FZ of December 28, 2013, insurance (labor) pensions of citizens must be indexed annually from February 1 to the inflation level of the previous year, and if the Pension Fund has additional financial resources, indexation is carried out again on April 1. But the new year is traditional The procedure for indexing labor pensions will change: their increase will occur 1 month earlier - already from January 1, 2018.

    Social pensions and other social payments made by the Pension Fund, will be promoted as usual to the actual level of price growth for 2017:

    • monthly social payments for pensions - from February 1, based on actual inflation for 2017 (less than 3 percent);
    • social pensions for disabled citizens - from April 1 in relation to the increase in the cost of living (approximately 4.1 percent).

    At the same time, the increase in insurance pensions will not affect employed pensioners. Let us recall that the indexation of pensions for working citizens was suspended in 2016 due to the difficult economic situation in the country. This freeze helped save the state 12 billion rubles. However, all missed indexations must be compensated to the citizen the very next month after dismissal.

    In accordance with the law adopted by the State Duma on December 15, 2017 (introduced by the Government as bill No. 274624-7) on changing the procedure for indexing insurance pensions in 2018 all types of pensions (old age, disability, survivors) should increase from January 1, 2018 by 3.7%. The previous procedure for increasing labor pensions is suspended until the beginning of 2019, and this increase does not apply to working pensioners (see the text of the law below).

    It should be borne in mind that any insurance pension consists of two parts:

    • fixed payment(or FV) is a constant value guaranteed by the state (for all categories of recipients it is set in a fixed amount);
    • directly insurance part- this is an individual calculated value, which depends on the number of pension points earned during work.

    January indexation will affect both parts of the pension as follows:

    1. The fixed payment will be increased by 3.7% and will remain unchanged 4982 rubles 90 kopecks, its increase or decrease is legally established for certain categories of citizens by Law No. 400-FZ of December 28, 2013;
    2. The insurance part of the pension directly depends on the points earned by the pensioner, the cost of which will increase from January 1 by 3.7% and amount to 81 ruble 49 kopecks.

    In 2017, actual inflation in the country was recorded at no more than 3%. Consequently, the increase in pensions proposed by the Government by 1.037 times in 2018 formally covers the increase in consumer prices (although, of course, in its absolute value this increase will be very small - the increase will be even less than in previous years).

    Increase in social payments to pensioners in 2018 from February 1

    From February 1, 2018, there will also be an increase (indexation) of all social payments of the Pension Fund provided for various categories of citizens (disabled people, veterans, heroes of Russia, etc.). They are provided in the form of monthly cash payments (MCB), an integral part of which is also a set of social services (NSS).

    In general, NSU consists of three parts (medicines, travel and sanatorium treatment) and is provided at the choice of the pensioner in one of two ways:

    • in kind (that is, directly by social services);
    • in monetary terms when refusing natural food.

    The cost of a set of such services (each part separately) is determined by law and increases in direct proportion to the growth of the monthly payment (EDV) - i.e. by the same percentage. In 2018, this increase is planned at a level of less than 3%, so beneficiaries will hardly feel such an increase. The preliminary values ​​of EDV and NSU in 2018 can be found in the table.


    Thus, from February 1, 2018, it is planned to index social payments (including a set of social services) to the actual inflation level of last year. In the draft Government resolution, this value was fixed at 3.2%, but actual inflation will be less than 3%, so the increase will be even smaller (the same applies to child benefits in 2018).

    Indexation of social pension in 2018 from April 1 by 4.1%

    A social pension is a special type of pension, which is characterized by the pensioner’s lack of work experience for some reason. Such a pension is assigned in a fixed amount approved by law. And, as a rule, the size of social pensions is significantly lower than the calculated labor (insurance) pensions.

    It should be noted that in the last two years there has been a decrease in the established growth rates of social pensions. So in April 2017, this type of pension was indexed by only 1.5%. In 2018, it is planned to reach the usual (pre-crisis) increase in the level of this type of pension provision - the projected growth of social pensions in April 2018 will be approximately 4.1%.

    Unlike labor pensions, indexation of social pensions is tied to change in the cost of living of a pensioner for the previous year. Therefore, the amount of indexation of insurance and social pensions for the same year may differ (although in both cases it is associated with actual increase in consumer prices).

    Thus, one of the positive changes in 2018 is a more noticeable increase in the cost of living (LS) in the country, including separately by region. At the same time, the established PM allows all non-working pensioners to receive additional payments (the so-called social supplements up to the subsistence level- federal and regional), if the size of their pensions is lower than the approved values.

    According to the law, the level of a citizen’s pension should always be not lower than the subsistence level in the region, in which he lives (hence the seemingly strange statements of the Government that “There are no low-income pensioners in Russia”— they all receive pensions in combination with other social benefits in an amount not less than the monthly minimum wage.

    Since 2010, pension applications have already included a section on receiving social benefits. If your pension was assigned before 2010, and you did not submit a separate application for an additional payment, and the amount of the pension is below the established subsistence level in the region, then you must independently contact the territorial bodies of the Pension Fund.

    Pension increase in 2018 in Russia for working pensioners

    The laws adopted in the State Duma do not provide for any changes for the working population receiving pensions for 2018. This means that working pensioners will continue to receive pension amounts without annual indexation.

    Let us recall that the indexation of pensions was stopped in February 2016 for those citizens who continue to work, having exercised their right to pension provision. The Government’s plans included not indexing pensions for working Russians up to 2019.

    This moratorium on pension indexation operates as follows:

    • Those citizens who retired before February 1, 2016 and retained their jobs will remain without an increase in their pensions from February 2016.
    • For citizens who became pensioners after February 1, 2016, when calculating the individual pension coefficient (IPC), all increases that took place on the date the right to a pension became available are taken into account.
    • If you continue to work and simultaneously receive a pension, all subsequent indexations from the date of employment will again not be applied.

    Working pensioners have the right to increase their pension only through annual recalculation according to the employer. From August 1 of each year, the pensions of such citizens increase by the number of points taken into account in the previous year for the period of labor activity and payment of insurance contributions during this period. But no more than 3 points per year!

    An example of how working pensioners will recalculate pension indexation in the Pension Fund

    A woman born on May 1, 1962, retired in 2017 within the period established by law and continues to work. What indexations will be taken into account when determining the size of the pension? And from what time will the pension stop being indexed?

    The calculation of the pension for this woman will be made on the date May 1, 2017. When calculating the IPC, all approved pension growth indices will be taken into account, starting from 2015 to 05/01/2017.

    • The cost of one pension coefficient will be taken as of 05/01/2017 - this is 78.58 rubles.
    • The fixed payment included in the insurance pension will be taken into account taking into account indexation as of May 1, 2017 and is equal to 4805.11 rubles.

    Further, subject to continued performance of paid work, all subsequent indexations of singing after appointment will be suspended. Those. the indexation carried out from January 1, 2018 at 3.7% will no longer be applied to this woman’s pension. And this will continue until she quits her job or is fired by her employer.

    Indexation of pension after dismissal of a working pensioner in 2018

    In 2017, a law was adopted according to which the period for recalculating pensions after dismissal was changed. In 2018, working pensioners will be able to receive a pension with all missing indexes from the next month after dismissal. At the same time, the pensioner himself will not need to additionally apply to the Pension Fund, since this recalculation is entirely based on the monthly reporting of employers!

    Previously, after leaving work, the pensioner received a recalculation of the pension received, taking into account all indexations in three months:

    • the first month is the submission of reports to employers to the Pension Fund about citizens working in the organization;
    • the third is the adoption by the territorial body of the Pension Fund of the Russian Federation of a decision on recalculation.

    For citizens who stopped working in 2018, the period for calculating pensions is reduced, taking into account indexations missed during work. This will be possible after entry into force from January 1, 2018 Federal Law No. 134-FZ dated July 1, 2017.

    However, the process of additional accrual of missed increases will be the same for technical reasons will also take several months. But after this, when paying an already recalculated pension after 3 months, an additional payment will be made for the entire period following dismissal.

    This innovation applies only to those who have been laid off. after January 1, 2018. If a pensioner quit, for example, in December 2017, then the indexation of his pension will be carried out only from April 1, 2018 - without additional payment for the period from January to March (in other words, these months will be lost).

    Latest news and latest changes in pensions

    As has already become clear, the increase in pensions in the new year for most categories of pensioners will be very small (unnoticeable) or, as for a large category of working pensioners, there will be no increase at all. But in the new year demands will increase to already formed pension rights and the level of wages of Russian citizens for retirement:

    • To the planned values ​​stipulated by law “About insurance pensions”, the minimum requirements required to retire from old age pension in 2018 will increase - now you will need to have at least 9 years of work experience And minimum 13.8 pension points.
    • Earn new pension points for the working population from 2018 will become much more difficult, since the maximum base for calculating insurance contributions to the Pension Fund in 2018 (on the basis of which points earned for the year are calculated) will be increased immediately by 16.55% - from 876 thousand rubles to 1 million 021 thousand. - according to Government Decree No. 1378 of November 15, 2017. And it’s unlikely that anyone in Russia now has a salary that is growing at the same rate (well, if it’s growing at all).

    No other significant changes are expected in the Russian pension system in 2018. In particular, the expected one-time payment to pensioners in the amount of 5,000 rubles will not be paid in 2018- this was a one-time, one-time additional payment that was due to all pensioners in January 2017 in return for the additional indexation required by law that was missed in 2016 (and there is simply no reason to pay it in 2018).

    And one of the few truly good news for Russians is that no decision has yet been made to increase the retirement age, which is important for those who are still working or planning to retire (including men born in 1958 and women born in 1963).

    Will there be a one-time payment of 5,000 rubles to pensioners in 2018?

    At the beginning of 2017, recipients of all types of pensions, regardless of the fact of work, received an additional payment in the amount of 5,000 rubles. This measure was necessary in the current economically unstable situation.

    Against the backdrop of a high level of inflation and the impossibility of carrying out additional indexation of pensions, in 2016 a decision was made to make a one-time payment to citizens’ pensions (Law No. 385-FZ of November 22, 2016). Thus, the pensions of Russians were “conditionally re-indexed”, many of whom perceived this simply as a New Year’s gift.

    Currently, according to the Government, the economic situation in the country is normalizing. Over the past 12 months, the increase in consumer prices (inflation) does not exceed 3%, and pensions in 2017 rose in total according to two indexations by 5.78%.

    The upcoming indexation of 3.7%, planned for January 2018, exceeds the inflation rate for 2017. Therefore, no additional one-time payments (5 thousand rubles or any other) in addition to the already included indexations will be made!

    Will there be an increase in the retirement age in 2018 (latest news)

    In the last few years, the most discussed and acute issue for Russians is question of increasing the retirement age. In many other countries, including post-Soviet ones, corresponding decisions have already been made and are being implemented.

    • For example, from January 2017 in Belarus the retirement age will be increased annually by six months until women reach 58 years and men 63 years. In Kazakhstan, the same values ​​apply - for women at 58 years old, for men at 63 years old.
    • In many developed countries, such as Germany, men become pensioners at 65 years old, and women at 60 years old.
    • In Ukraine, the Verkhovna Rada adopted a law on pension reform, which also included an increase in the current retirement age.

    Now this issue has come to a head in Russia. According to the Government, it is primarily due to the fact that the working age in the country is increasing - i.e. About a third of Russians already stop working later than retirement.

    However, due to the great unpopularity of this measure, the Russian Government has not yet made a final decision on extending the retirement age (although many consider this issue resolved and note that it will most likely begin to be implemented after the next presidential elections, which will be held in March 2018 — but for now these are just rumors).

    How many points and work experience do you need to retire in 2018?

    Since 2015, a point system for calculating labor (insurance) pensions for citizens has been in effect, in which insurance premiums paid to the Pension Fund by the employer for its employees are transferred from rubles to relative values ​​(points). The amount of contributions taken into account for the year is correlated with the maximum accountable amount of contributions approved by the Government, which corresponds to 10 pension points(this is the maximum that can be received in one year).

    But in order to obtain the right to retire in old age within the generally established time limits, it is necessary to comply three mandatory conditions:

    • reaching the age established by law;
    • availability of insurance (work) experience;
    • the presence of an established value of the individual pension coefficient (IPC) or, in other words, the size of pension points.

    It should be noted that this only applies to old age pensions! Other types of pensions for compulsory pension insurance (disability, survivors) are appointed independently on the length of work (insurance) experience and the number of points received.

    Since 2018, a mandatory condition for granting a pension upon reaching retirement age (currently 55 years for women and 60 years for men) is the availability of 9 years of experience and 13.8 points individual pension coefficient (IPC).

    An example of calculating pension points from 2015 to 2018

    For a man born in 1965, he has an official salary before income tax (NDFL) of 30,000 rubles (accordingly, annual earnings are 360,000 rubles). Let’s assume that this citizen’s salary has never increased since 2015. At the same time, deductions are not made for him to the funded part of the pension, since he was born before 1967. Thus, the employer pays insurance premiums for this man to an individual personal account in the amount of 16% of earnings before personal income tax - that is, 16% × 360,000 = 57,600 rubles per year. Let's calculate how many points this man has earned since 2015, when the new pension formula came into effect.

    Every year the Government approves for these purposes the so-called salary cap, the amount of mandatory contributions from which to the Pension Fund of the Russian Federation to a citizen’s individual personal account is 16%. Thus, the maximum established salary in the country from 2015 to 2018 is the following values ​​(see table below).

    YearMaximum salary for contributions to the Pension Fund (insurance base), rub. Maximum accountable amount of insurance premiums (16% of the base), rub. Increase in base relative to the previous year, % Depreciation of salary when converted into points relative to 2015, %
    2015 711000 113760
    2016 796000 127360 11,95 10,67
    2017 876000 140160 10,05 18,83
    2018 1021000 163360 16,55 30,36

    In 2018, the insurance base for contributions to the Pension Fund will be 1,021,000 rubles in accordance with Government Decree No. 1378 dated November 15, 2017. Then the maximum amount of insurance contributions taken into account for the year, accepted for 10 points, will be 163,360 rubles (an increase relative to 2017 by almost 17 %).

    Therefore, every ruble earned in 2018 will “depreciate” when transferred to pension points relative to 2017 by immediately 1 - (1 / 1.17) = 15%, and relative to the level of 2015 - by more than 30! Therefore, it is not enough to have only a constant high salary to form decent pension rights. So that their volume does not decrease from year to year, according to the new pension formula salary must grow by at least 10% per year(see table above).

    Let's return to our example. To convert monthly earnings of 30,000 rubles into points, you need to correlate the salary data (taking 16% of annual earnings, which in the example under consideration will be 57,600 rubles per year) to the established limit values ​​and multiply by 10:

    • 57600 / 113760 × 10 = 5.06 points earned by a citizen in 2015;
    • 57600 / 127360 × 10 = 4.52 points in 2016;
    • 57600 / 140160 × 10 = 4.11 points in 2017;
    • 57600 / 163360 × 10 = 3.53 points will be earned in 2018.

    Thus, in just 4 years, while maintaining the same level of wages (in the example under consideration, this is 30 thousand rubles per month) the number of accrued pension points decreased by 30%(in this example - from 5.06 points in 2015 to 3.53 in 2018). Thus, the modern pension system contains a mechanism that leads to a decrease in the level of annually accumulated pension rights while maintaining the same salary!

    Accordingly, in the example considered, since 2015, the citizen has earned 5.06 + 4.52 + 4.11 + 3.53 = 17.22 points. Moreover, if a citizen’s right to a pension arose in 2017, then all the points accrued to him must be multiplied by 78.58 rubles - this is the cost of the insurance point from April 1, 2017. And if the right to a pension arises in 2018, then from January 1 it will be necessary to multiply by 81.49 rubles.

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