• How a disability pension is calculated: current issues and changes. Disability insurance pension

    19.07.2019

    The most common form of state pension payments is associated with a person reaching a certain age when he can “go on a well-deserved retirement.” The disability pension has a different specificity - this payment is received by those who, due to their physical characteristics, are often unable to work, which is confirmed by the corresponding document - a medical and social examination report. However, disability does not necessarily imply the absence labor activity. Many people with disabilities can work very successfully and efficiently.

    What is a disability pension?

    In accordance with the definition of current legislation, a disabled person is a person who has a health disorder and impairment of body functions due to a disease, defect or injury that limits his life activity. Disability is established by the federal department of medical and social examination (MSE), which assigns the first, second or third group. A person recognized as disabled has the right to state monthly payments, which are assigned to citizens by the Pension Fund of Russia.

    Types of disability pensions

    Pension legislation There are three types of disability pensions:

    • Insurance - receiving this type of security implies that at the time of the onset of disability, the person had work experience. In this case, the cause of disability and the moment of its onset, as well as the duration of the work history, do not matter. If in order to establish insurance state payments in the usual form, it is necessary to achieve retirement age, then this is not necessary here.
    • Social – assigned to disabled children, disabled children, and representatives of groups I, II and III who do not have work experience.
    • State - it is prescribed to military personnel, cosmonauts and liquidators of man-made disasters who received injuries and serious illnesses as a result of performing official duties. This also includes participants in the Great Patriotic War and residents of besieged Leningrad.

    Disability pension amount

    Depending on the group assigned and other factors, the size of state pension payments varies, so additional information is needed to answer the question of how much they pay for disability. According to their tariffs, the following will receive benefits: a child with cerebral palsy (RUB 13,560.15) or a military pensioner with length of service who was seriously wounded in combat (RUB 28,830.66).

    For recipients of insurance pensions, in addition to the fixed payment, in some cases bonuses are awarded (for family members with disabilities, etc.), which significantly increase the final total. IN pure form the dimensions of the base part from February 1, 2017 are:

    • For group I – 9,610.22 rubles/month.
    • For group II – 4,805.11 rubles/month.
    • For group III – 2,402.56 rubles/month.

    The size of social pensions also differs depending on the category of recipients:

    • For group I – 10,068.53 rubles/month.
    • For group II – 5,034.25 rubles/month.
    • For group III – 4279.14 rubles/month.

    Minimum disability pension

    The structure of paid state insurance coverage consists of two parts, and although payments are made in total, they can be broken down into individual components. In this case, basic part represents the minimum amount that a person can receive without additional payments (for example, if he has very little work experience and is not entitled to anything else). In such cases, it is necessary to make a choice in favor of social pension- this is allowed by law.

    Allowances

    In addition to the insurance part, if there is work experience, the total amount of pension provision for an individual may be supplemented by other allowances. This could be monthly cash payments(EDV), which are received by those who refused a set of social services in in kind. The main areas included in the Tax Code, which can pay in the form of a financial equivalent, are the following:

    • provision of necessary medicines and medical products;
    • sanatorium and resort provision of vouchers to medical and health institutions;
    • free pass to the place of treatment and back.

    How to apply

    In order to obtain government social Security, you must perform the following steps:

    1. Obtain official confirmation of disability. This process is carried out by the federal structures of the ITU, with their help the category of a pensioner is established.
    2. Collect a package of documents and prepare an application.
    3. Provide the necessary papers to Pension Fund(persons who have traveled abroad or do not have registration should contact the central office at the address - Moscow, Shabolovka, 4).
    4. The registration period is 10 days from the date of submission of the full package of documents, and the pension for disabled people will be calculated from the date of submission of the application.

    Conditions for awarding a disability insurance pension

    If, in order to receive social security, it is enough that a disability has been established, then in order to calculate payments under the insurance scheme, it is mandatory to have length of service (at the same time, this type of pension is established regardless of the duration of work). In addition, this pension option will depend on the size of the fixed benefit, which is influenced by the following factors:

    • Group I, II or III disabilities, assigned to a citizen;
    • presence of dependents ( disabled members families);
    • duration of labor activity in the Far North.

    Documentation

    The list of documents that you submit to the Pension Fund must include:

    • application in the prescribed form;
    • passport;
    • ITU act;
    • SNILS;
    • work book or contract with the employer confirming the duration insurance period(not needed for social option).

    How is a disability pension calculated?

    For example, see how to calculate the amount of disability payment if you have insurance coverage. When calculating, a special pension coefficient is used, which is formed due to length of service and transfers to the Pension Fund. The basic formula looks like RP = MF + FS, where:

    In this case, MF = PC x SB, in this formula:

    • PC – the sum of accumulated pension coefficients;
    • SB - the cost of one point (in 2019 - 78.28 rubles).

    This can be seen in specific example: the cause of disability of group I for a person with 10 years of insurance experience is an industrial injury. It is necessary to calculate the amount of government payment if the sum of points is 27.6. Substitute the values ​​and find out how much you need to pay:

    • SP = 78.28 rub. x 27.6 = 2160.53 rub.
    • Since the fixed state payment for group I is known, then RP = 9610.22 rubles. + 2160.53 rub. = 11770.75 rub.

    How is it calculated?

    Social security for disabled people in Russia, in addition to government payments designed for different categories of pensioners, also provides for indexation coefficients in order to keep up with the inflation rate. For example, from February 1, 2017, the insurance pension and the fixed payment to it were indexed by 5.4%, increasing this disability benefit for socially vulnerable segments of the population.

    Suspension and termination of payment

    The legislation examines in detail cases when the pension provision of disabled people may have restrictions. Payment of the assigned pension is suspended until the situation is clarified or the interfering circumstances are eliminated in the following cases:

    • if social security is not received for six months in a row;
    • when, within three months, a disabled person does not come for a scheduled re-examination;
    • when a pensioner leaves for permanent residence in a foreign country.

    The pension will stop being paid if:

    • the recipient dies;
    • more than six months have passed since the date of suspension of issuance and the situation has not been resolved;
    • in case of loss of the right to the assigned security;
    • when a disabled person reaches age, to assign an old-age insurance pension.

    Pension for disabled children

    This category includes children under 18 years of age who have diseases and disabilities that interfere with normal life activities. Pension provision they can be called high (over 13.5 thousand rubles), compared with other categories of disabled people. In addition, the families of such children are also entitled to significant benefits (for example, they do not have payment for child care preschool institutions).

    Video

    State disability accruals are assigned to certain categories of citizens. The conditions for receiving support from the Pension Fund of the Russian Federation remain unchanged, but the accrual procedure changes under the influence of the new state policy.

    How is a disability pension calculated? New legislative rules establish special formulas for calculating monthly payments to persons who have lost their ability to work. To understand the nuances, you should consider all the essential aspects of the issue.

    Who is eligible to receive?

    Labor pension payments disability awards are assigned to citizens who have work experience and have lost their ability to work as a result of illness. To be appointed, it is necessary to obtain a document of the established form recognizing the person as a disabled person of group I, II, or III.

    The papers are issued by the territorial institution of medical and social examination of the Russian Federation. A labor disability pension presupposes the presence of minimum experience and is paid by the Pension Fund of the Russian Federation.

    Important! Persons who have lost their ability to work as a result of an industrial injury receive social subsidies from the Social Insurance Fund of the Russian Federation. IN in this case Experience doesn't matter.

    Conditions and procedure for appointment

    The law defines the following conditions for the appointment of financial support for persons who have lost their ability to work:

    • the presence of a minimum insurance period determined by law;
    • the onset of disability due to objective reasons, and not as a result of intentional harm to health;
    • availability of a certificate from a federal authority.

    The calculation of a disability pension is based on several facts:

    • period of total work experience;
    • the amount of accumulated insurance funds in the Pension Fund account;
    • disability groups.

    After receiving an official document confirming disability, the citizen must submit an application to the Pension Fund at the place of residence. Documents are also submitted here:

    • certificate of disability;
    • passport;
    • work book or other documents confirming total work experience.

    What length of service is required to qualify for payments?

    Unemployed citizens, children and disabled people from birth receive social support in accordance with its specific legal status. For other categories of citizens, minimum periods of work experience are provided. At the time of applying for payments for disabled people of group I, the following periods of insurance coverage are provided:

    Period, years Duration, years
    up to 25 years inclusive 1
    from 26 to 28 2
    29-31 3
    32-34 4
    35-37 5
    38-40 6
    41-43 7
    44-48 8
    49-53 9
    54-59 10

    It is obvious that state accruals for loss of ability to work can be assigned even after the termination of a citizen’s working activity. For disabled people of groups II and III, the minimum insurance period should be:

    Period, years Duration, years
    up to 23 years old inclusive 1
    24-26 2
    27-28 3
    29-31 4
    32-33 5
    34-35 6
    36-37 7
    38-39 8
    40-42 9
    43-45 10
    46-48 11
    49-51 12
    52-55 13
    56-59 14

    Benefits for pensioners and disabled people who have no work experience are provided in a minimum amount corresponding to the amount of the current basic old-age pension. If the loss of ability to work occurred during military service, insurance coverage is not required.

    We remind you that pensioners who lose their ability to work after 55 and 60 years for women and men, respectively, receive payments as disabled persons for life.

    Payment amount

    Size pension accruals is also determined by the disability group as a percentage of the old-age pension:

    • disabled people of group I receive 100%;
    • disabled people of group II receive 90%;
    • disabled people of group III receive 50%.

    Citizens who have received the status of a disabled person after reaching retirement age can, at their discretion, choose an old-age labor pension or state support for those who have lost their ability to work.

    Calculation procedure

    How is the disability pension calculated starting from the new year? In 2015, a new point system for calculating payments for future pensioners will be in effect. The changes affected all social guarantees and benefits. You can calculate your disability pension today using the following formula:

    SP = (KPV*FV) + (KPV*IPK)*SPK

    • SP - the insurance part formed during the period official work employer contributions;
    • LPI - coefficient of late retirement (introduced under the program to support working pensioners). The value is higher, the later the citizen applies for the assignment of payments;
    • FV - fixed size established by law. Determined by the disability group and the basic part of pension accruals;
    • IPC - individual pension coefficient. Calculated using a special formula. You can see an example of a calculation in the corresponding section;
    • SPK is the cost of the coefficient determined by the state annually.

    Will there be a promotion?

    Annual indexation provides for inflation compensation in two stages. In 2015, the increase in pensions for disabled people and other categories of citizens will take place as planned. The Pension Fund of the Russian Federation states that the budget included a minimum indexation of 7%. According to the latest data, labor will increase by 9.5%. It is not known whether the same revision of payments for disabled categories of citizens can be expected.

    In the current economic conditions, experts predict a minimum inflation rate of about 12%. Therefore, the annual indexation of pension accruals may not cover real growth prices

    It is known that government and banking policies at the end of 2014 were aimed at containing the exchange rate of the dollar and euro, as well as maintaining the cost of food at an acceptable level. Economists believe that the Central Bank will not be able to maintain high rates for commercial banks for long, which will cause a new jump in the currency.

    The listed factors can be disastrous for the Russian economy and the ruble. In such a situation, indexing will not be enough. Still, a 5% difference seems preferable to a 12% difference. The beginning of the year will show how the situation develops in real time.

    Calculation formulas have changed. They will apply to all recipients: both those who retired before 2015 and those who have yet to retire. However, disabled people who received labor pensions do not have to worry - if, when recalculated using the new formulas the size of the insurance pension will be less than previous payments, the state will make bonus.

    And generally speaking, pension reform 2015 model does not change the payment calculation procedure in its essence. It’s just that new concepts are introduced and formulas are slightly changed. The status of disabled people and the mechanism by which they are assigned one or another remain unchanged. disability group. This process is still carried out by a medical and social examination at the place of residence.

    An increase in payments in 2015 will occur (or has already occurred), however Don't expect radical increases.

    Insurance pension are awarded to disabled people of groups I, II and III if they have at least some official work experience.

    State pension paid to military personnel, participants in the Great Patriotic War (and equivalent categories of citizens), blockade survivors, victims of man-made or radiation disasters.

    Social pension- this is the minimum that every disabled person can count on if he is not paid a labor or state pension. It is usually prescribed disabled children, disabled children and those who do not have work experience.

    Please note: a disabled person has the right to a labor pension even if he work experience is only one day. The main thing is that the employer pays pension contributions for this day.

    In the pension calendar of disabled people three main dates: February 1, April 1 and August 1. On all these dates it happens indexation of labor pensions. Moreover, in August pensions are revised only for working disabled people. And on April 1, the size of social pension payments will be adjusted. On the same day they increase social payments and (EDV, social package).

    EDV: what is this?

    In addition to pensions themselves, there is such a thing as EDV - monthly cash payment. This is a fixed amount that is established by the state as a measure of support for certain categories of citizens, including people with disabilities in accordance with Federal Law"ABOUT social protection disabled people of the Russian Federation".

    Each disability group has its own EDV.

    Will happen in 2015 growth by 5.5%.

    The payment amount will be:

    • Group III – 1,700.23 rubles;
    • – 2,123.92 rubles;
    • Group II – 2,123.92 rubles;
    • Group I – 2,974.03 rubles.

    These amounts are based on calculations refusal of a set of social services(NSU), which in 2015 will be 881.63 rubles.

    To receive a monthly cash payment, a disabled person must contact corresponding statement to the pension fund branch at the place of residence (or at the location of the payment file, if the place of residence was changed after the pension was assigned). The following documents are attached to the application:

    • passport;
    • certificate of establishment.

    In the case when the recipient of the EDV is a child, then the application is submitted by his parents or legal guardians (adoptive parents, trustees). If the parents live separately, the application is submitted to the branch of the Pension Fund at the place of residence of the parent with whom the child lives. To obtain EDV for a minor additional papers will be required:

    • adoption certificate (if the guardians are adoptive parents);
    • birth certificate;
    • documents confirming the identity and powers of the child’s legal representative.

    Faces, over 14 years old has the right to independently arrange monthly cash payments.

    The labor pension has become an insurance pension

    According to the federal government regulation, pensions will be indexed in 2015 the same as in 2014 - based on the growth of inflation over the past year.

    Last year, according to Rosstat, prices were on average across the country increased by 11.4%. This is exactly the kind of pension increase that awaits all categories of citizens.

    However, in 2015 the changes will affect two parts of disability pension at once– insurance part and fixed payment.

    The fixed payment will increase by 224.3 rubles for disabled people third group and will amount to 2191.8 rubles. For first and second groups the increase will be by 448.59 rubles. The final value will be set at 4383.59 rubles.

    The insurance part of the pension will be increased due to increase in point value, in which these payments are now considered. If before February 1 it was 64.1 rubles. After an increase of 7.31 rubles, the price of the point will be 71.41 rubles. Thus, the size of the insurance part labor pension on disability this year on average increased by 362 rubles.

    Please note: the size of the labor pension varies not only depending on the recipient’s work experience, but also on number of his dependents.

    Social remains the same

    To those who are the recipient social pension, until April 1, the following amounts will be paid monthly:

    • disabled people of group III – 3,675.20 rubles;
    • disabled people of group II – 4,323.74 rubles;
    • disabled people of group I and disabled people from childhood of group II – 8,647.51 rubles;
    • disabled children and people with disabilities from childhood of group I - 10,376.86 rubles.

    Spring increase by 11.9% will cause an increase for each of the above categories in the amount of 437, 515, 1029 and 1235 rubles, respectively.

    Remember about bonuses

    Do not forget that some categories of disabled people have the right to additional monthly financial support(DEMO).

    Bonus of 500 rubles laid down:

    • widows of military personnel who died during the Second World War;
    • widows of disabled veterans of the Second World War;
    • , awarded medals and orders of the USSR;
    • citizens awarded the badge “Resident of besieged Leningrad”;
    • former adult concentration camp prisoners.

    On additional payment of 1000 rubles can count:

    • disabled people and WWII participants;
    • former minor prisoners of concentration camps;
    • disabled due to

    How to get a?

    To apply for a disability pension must be provided to the pension fund the following set of documents:

    • passport of a citizen of the Russian Federation (to establish identity, age, place of residence and citizenship);
    • the entire package of documents confirming disability;
    • information about work experience and average monthly wages for the entire period of working activity.

    This basic set of papers will have to be supplemented if necessary and other documents:

    • papers confirming the presence of disabled dependent citizens;
    • documents confirming your actual place of residence;
    • certificate of change of surname, first name or patronymic (if any).

    Thus, brief analysis pension policy changes for people with disabilities allows us to highlight several main points:

    1. Instead of a pension there was insurance, which includes, among other things, fixed payments.
    2. , state pensions will be increased in proportion to inflation in 2014 - by 11.4%, or an average of 365 rubles.
    3. Monthly additional payments will grow by only 5.5%.
    4. Taking into account the current economic situation in the country, pension reform will be implemented in the near future extremely restrained, without obvious jumps.

    Those citizens who, due to the state of their health, can no longer work in their profession, but are able to perform other, simpler work or work in their original specialty, but in a lighter mode, belong to disability group III.

    Let's look at what the disability pension for group 3 is in 2019.

    Pension for the third disability group

    Regardless of which group is assigned based on the results of the ITU, you can choose only one of two social security options:

    Social disability pension 3 groups + EDV = disability pension, or Labor pension + EDV = disability pension, where EDV is a monthly cash payment.

    The right to become a recipient of a social pension belongs to those permanently residing in Russian Federation, including minors (Federal Law No. 166 of December 15, 2001).

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    Pension size for disabled people of group 3 in 2019


    The size of the social pension for group 3 disability in 2019 is 4215.9 rubles/month, including for minors.

    How much they pay for the third disability group in a labor pension is calculated using a special formula, taking into account the length of work experience.

    The basic (minimum) size of the labor pension is also fixed:

    • RUB 2,402.56/month - lonely;
    • RUB 4,004.26 rub./month - with 1 dependent;
    • RUB 5,605.96/month - with 2 dependents;
    • RUB 7,207.66/month - with 3 dependents.
    The total amount of disability pension for group 3 in 2019 takes into account not only the need for benefits, but also Family status.

    Algorithm and formula for calculating pension payments

    If the recipient only expects to receive a social pension or minimum wage, then the total amount is known in advance with great accuracy, since the size of the EDV is a fixed value.

    The calculation will need to be performed in the case where there is length of service and it is necessary to take it into account to determine the size of the retirement pension, which differs from the minimum (basic) value.

    You can find out how much disabled people of group 3 are paid using a special formula.

    Attention! How much a group 3 disabled person should receive in each case must be found out from the Pension Fund.

    To calculate a disability pension based on length of service, the formula looks like this:

    TPPI = PC/(T x K) + B, where

    • PC - the amount of pension capital accounted for in the Pension Fund, determined as of the date from which the disability pension will be transferred in the future
    • T - fixed value of the expected time of payment of the old-age labor pension (in 2012 T = 216 months, from 2013 T = 228 months);
    • K is the proportion between the standard length of insurance service on the date of pension assignment and 180 months. At the age of 19, the standard length of service is 12 months, after which 4 months are added per year. The total sum cannot be more than 180, that is, K< 1 или К=1;
    • B - base size disability pensions 3 groups.

    You can find out how much they pay for disability group 3 (working) at the Pension Fund.

    Monthly cash payments


    EDV is the monetary equivalent of various social benefits, their material expression (additional payment for group 3 disability).

    Benefits include:

    1. Free medications with a doctor's prescription (or with a 50% discount).
    2. Free travel on public and suburban transport.
    3. Free spa treatment.

    A disabled person has the right to decide for himself and inform the Pension Fund what payments are due to a disabled person of group 3, and in what form he wishes to receive (in kind or in the form of EDV).

    Refusal from a set of social services

    You can refuse the social package completely, or some part of it, and the amount of daily allowance will be recalculated, which will be accrued to the disabled person after acceptance of his application.

    To receive EDV, you must:

    1. Give up some component of the social package.
    2. Submit a corresponding application to the Pension Fund before October 1 of the current year.
    In the future, you can refuse your daily allowance and receive a social package again. To do this, you will need to submit a new application to the Pension Fund.

    Do you need information on this issue? and our lawyers will contact you shortly.

    EDV size

    As of 02/01/2017, the total amount of EDV was 2024.86 rubles. As part of the EDV, 1048.97 rubles were allocated for the payment of the social package, incl.

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