How can a woman get a pension at 50? What are early retirement benefits? When and where to contact

Last updated February 2019

Started in June 2018 pension reform(On June 16, 2018, a bill on increasing retirement age).

The main idea of ​​the reform was to increase:

• standard retirement age (65 years for men, 63 years for women);
• age limit of disabled people (70 – men, 68 – women),
• age level of certain categories (medical workers, teachers, theater workers, workers of the Far North, etc.).

The law is currently undergoing parliamentary proofreading, and an assessment is also being made. public opinion and collecting wishes and suggestions from the population. What was happening received great resonance. Some amendments have already been made to the bill.

On August 29, 2018, the President of the Russian Federation contributed to the reformation aimed at softening the provisions of the draft.

The main points are:

• the general retirement age for women will be 60 years;
• women with children will be given the right to early retirement (3 children 3 years earlier due date, 4 children 4 years earlier, 5 or more children will allow you to retire at 50 years old);
• the reform will not affect benefits for indigenous peoples of the North, victims of the Chernobyl accident, certain benefit categories (chemical and hot shops, miners, etc.);
• the length of service required for early retirement will be reduced (37 years for women and 42 for men, instead of the current 40 and 45, respectively);
• those who are currently on the eve of retirement are given the right to retire six months earlier than expected, that is, for men at 59.5 years old, and for women at 54.5 years old.

But these are just sketches for now. Whether the deputies will accept the law and in what version time will tell. And now the situation is the same as before.

Currently, in order to receive a paid old-age pension and receive certain benefits, the following facts are required:

• retirement age (for men at age 60, for women at age 55);
• having a minimum 6 year old insurance period;
• magnitude individual coefficient from 6.6.

The required insurance period will gradually increase: from 6 years in 2015. up to 15 years by 2024 And the individual pension coefficient will grow by 2.4 points annually until it reaches 30.

Early retirement

The legislation of our country guarantees a citizen the right to a paid old-age pension and to receive certain benefits. The grounds for the general pension are regulated by Article 8 of Federal Law No. 400.

But, there are a number of federal regulations that clearly regulate the grounds for early assignment of labor pensions.

Early retirement at 50 years of age and earlier: list of persons and conditions for appointment

Articles 30,31 and 32 of Federal Law No. 400

Articles 30,31 and 32 of Federal Law No. 400 provide guaranteed appointment labor pension citizens whose work experience includes the following periods:

• Work in special territorial conditions;
• Activities associated with special working conditions;

The list of bases is individual and quite extensive (). For example, it includes:

• women who have raised more than 5 children, parents and guardians of disabled people from childhood.
• the right to early retirement belongs to disabled people: due to military injury, with pituitary dwarfism, and having the first group of vision.
• citizens permanently residing or working in the Far North and equivalent regions, persons employed in underground and mining industries, doctors in rural areas, etc.

Professions that allow early retirement due to harmfulness are indicated by lists 1 and 2, approved by the Cabinet of Ministers of the USSR on January 26, 1991.

Procedure for assigning early pension

• • When can I contact the PF? The pension is assigned from the date of application, but not earlier in the day the emergence of the right to it. Before contacting the territorial branch of the Pension Fund, it is advisable to consult with its specialists or the human resources department about the required list of documents.
  • How to provide documents? An application for early assignment of a pension and the necessary certificates can be submitted by a citizen in person or sent by mail. The day of receipt of documents or the date on the postmark will be considered the day of application. They are confirmed by a receipt issued by hand or sent by mail.
  • What if the list of documents is incomplete? A person has the right, based on an explanation from a PF employee, to provide the missing documents. If the 3-month period from the date of receipt of the clarification is observed, the date of application for a pension remains the day the application was received.
  • How long does the Pension Fund take to consider an application? Pension Fund is obliged to consider the application and make a decision on the appointment within 10 days.
  • Can they refuse? In case of refusal, the citizen must be notified within 5 days. The notice must indicate the reasons and procedure for the appeal.

Early retirement due to liquidation of an enterprise or staff reduction

Young people are welcome everywhere, but an employee of pre-retirement age who has lost his job for the above reasons often experiences difficulties finding employment. There is also a way out of this situation - to formalize your retirement ahead of schedule.

The most significant condition for the appointment of premature support is the age of the reduced person. The period remaining until retirement due to old age cannot exceed 2 years. That is, in the absence of other conditions, early retirement:

• for women it is available only at 53 years old,
• early retirement for men - at 58 years old.

The following conditions must also be met:

• Dismissal only due to staff reduction or liquidation of the enterprise. Other reasons such as own wish or medical indications, are not provided for by law.
• Having 25 years of insurance experience for males, 20 years for females. The length of service may be less than established if the conditions specified above in Articles 30, 31, and 32 of the Federal Law are present.
• The citizen must be recognized as unemployed and registered with the Employment Authorities.
• There should be no vacancies on the exchange that correspond to the education, vacancy and qualifications of the person who has been laid off.

Citizens who have committed offenses that resulted in the termination of the appointment are deprived of the right to early assignment of a pension. social payments(reducing its size), or 2 times refusing employment for suitable vacancies.

Rules for registration and assignment of early pension

For a working citizen after dismissal

• The employer is obliged to pay the employee severance pay within a 2-month period.
• If during this time it was not possible to find a new place, payments from former job terminate, the citizen receives unemployed status and the right to receive benefits (if he independently registers with the Employment Center). The period for its payment is also limited in time and is no more than 12 months.

For unemployed people of pre-retirement age

For unemployed people of pre-retirement age who have an insurance record of more than 20 years for women and 25 years for men, the payment of this subsidy can be extended. Each year worked beyond the length of service extends state benefits by 2 weeks.

If service employees have difficulty finding vacancies, they will offer the unemployed in writing to exercise the right to early retirement. With this direction, the person must contact the ROPF. This must be done within a month, otherwise the application will become invalid. The only valid reason for extending the period is illness confirmed by a certificate of incapacity for work. If the response from the pension fund is positive, the unemployed status is canceled and a pension payment is assigned. Early pension is paid before the start of retirement age, then the transition takes place insurance pension by old age.

Pension payments are compensated by the Pension Fund from the budget of the employment center. Therefore, when quotas are exceeded, referrals are often refused. If a future pensioner is faced with an unreasonable refusal in his opinion, he can file a complaint with the Ministry of Labor or can challenge the decision in court.

If a citizen gets a job or opens a business

Then the payment of the early pension stops and is resumed only after the dismissal or closure of the individual entrepreneur or legal entity. Therefore, it is worth deciding in advance on the choice (pension or salary) that gives the greatest income. A citizen must independently notify Pension Fund branches about all changes (including the age required for receiving an old-age insurance pension).

A package of documents for submission to the regional branch of the Pension Fund

Pension Fund employees may request the following additional documents confirming:

• Change of personal data (full name);
• Presence in the family disabled members and dependents (birth certificates, documents confirming their full-time education);
• Work experience in the Far North, in particularly difficult and hazardous enterprises;
• Designation of disability, etc.

Calculation of pension payments

The amount of early pension is calculated similarly to the method for determining old-age pension and depends on:

• From the amount of payments to the Pension Fund;
• From wages.

Early pensions are also subject to government indexations and recalculations. In parallel, the citizen is given the right to receive payments for length of service.

If you have questions about the topic of the article, please do not hesitate to ask them in the comments. We will definitely answer all your questions within a few days. However, carefully read all the questions and answers to the article; if there is a detailed answer to such a question, then your question will not be published.

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Who is entitled to early unemployment pension and how to get it?

The other day, our regular reader Olga Dudintseva contacted the editorial office of MK. “I’m 52 years old,” the woman said. - At work, at first I was threatened with layoff, but then the employer told me to quit of my own free will, otherwise he would fire me under the article. However new job at my age it’s quite difficult to find, and I heard that if I quit voluntarily, I won’t be able to qualify for an early unemployment pension. Is it so?"

What is early unemployment pension? Who is entitled to it and in what cases will it not be given? We asked these questions to the deputy manager of the PFR branch for the Vladimir region, Nadezhda Semenova.

- Nadezhda Mikhailovna, who can apply for early unemployment pension?

According to the current Federal Law of April 19, 1991. No. 1032-1 as amended on January 10, 2003. No. 8-FZ “On employment in Russian Federation» according to clause 2 of Art. 32, at the proposal of the employment service authorities, in the absence of employment opportunities, unemployed citizens may be offered early retirement. In accordance with Art. 3 of this law, the unemployed are recognized as able-bodied citizens who do not have a job or income, are registered with the employment service in order to find a suitable job, are looking for work and are ready to start it. The decision to recognize a citizen as unemployed is made by the employment service authorities at the citizen’s place of residence no later than 11 days from the date of presentation to these authorities of a passport, work book or documents replacing them, documents certifying his professional qualifications, a certificate of average earnings for the last three months according to the latest place of work.

At what age can you receive an early unemployment pension, and is work experience important in the case of early retirement?

Early pension can be offered to unemployed men under 60 years of age, or unemployed women under 55 years of age. Moreover, they must have an insurance experience of at least 25 and 20 years for men and women, respectively. An early pension may be assigned for the period before the age entitling an old-age labor pension, but not earlier than two years before the corresponding age. That is, for men - upon reaching 58 years old, women - upon reaching 53 years old. In this case, the person must express his consent to receive an early pension.

- Does the reason for leaving a job play a role?

Early pension is assigned to those who were dismissed due to the liquidation of the organization or a reduction in the number or staff of the organization's employees.

Nadezhda Semenova

That is, our reader Olga is right that she will not be given an early pension if she quits, as the employer insists, “of her own free will”?

The reader is not eligible for early retirement because she is 52 years old. And the pension we are talking about can be established no earlier than 53 years of age.

- Besides the age, when are the unemployed not entitled to early pension?

In several cases. Firstly, during the period during which the citizen retains the average wage taking into account severance pay from the last place of work. Secondly, in the case of two refusals of a citizen from an offered suitable job during the last period of unemployment. Thirdly, during the period of suspension of payment of unemployment benefits or reduction of its size (the issue of early pension in this case can be considered no earlier than a month after the period of suspension of payment of unemployment benefits or reduction of its size). And, finally, in the event that an unemployed citizen has already been offered an early pension, which he refused.

That is, if a person applying for early retirement came to the stock exchange, was offered a vacancy as a janitor and refused it, they will no longer give early retirement?

It is better to ask this question to employment service specialists. But, as I said above, if a person is suitable for the job offered, but he refuses it, and twice - from two different suitable jobs, then he is not entitled to early retirement.

Is it true that the amount of early pension is less than the old-age labor pension? This will be the so-called minimum pension»?

Early retirement in old age for persons with unemployed status can be offered by the employment service authorities, and the bodies of the Pension Fund of the Russian Federation, based on their direction, can assign an old-age pension to an unemployed person early. The calculation of an early labor old-age pension, assigned at the proposal of the employment service authorities, is carried out in the same manner as a regular old-age labor pension.

- If a person has a working disability group, can he not qualify for early retirement?

A citizen belonging to the category of disabled people, in order to resolve the issue of recognizing him as unemployed, additionally presents an individual rehabilitation program for a disabled person, issued by in the prescribed manner and containing a conclusion on the recommended nature and working conditions.

A person receiving an early pension cannot have other income: for example, from renting out their own home, selling fruits and vegetables from the garden, or handicrafts?

Payment of early pension is terminated if the citizen is employed. If he is an individual entrepreneur and sells handicrafts, then he cannot be considered unemployed and the payment of early pension is terminated.

Let’s say a person has been receiving an early unemployment pension for two years; the time is approaching to receive an old-age pension. Will it be given automatically or is it necessary, as everyone who has reached retirement age, to submit a corresponding application to the Pension Fund?

Upon reaching the age that gives the right to establish an old-age labor pension, payment of an early pension assigned in accordance with the norms of the Law of the Russian Federation of April 19, 1991. No. 1032-1 “On employment in the Russian Federation” is terminated. The old-age labor pension is assigned according to the rules of Art. 19 of the Federal Law of December 17, 2001. No. 173-FZ “On Labor Pensions in the Russian Federation” - from the date of application for it, but not earlier than from the date the right to the specified pension arises. The day of application is considered to be the day the body providing pension provision receives the corresponding application. Such an application can be submitted in advance, but not earlier than a month before retirement age (60 and 55 years for men and women, respectively).

Monthly receipt of funds for personal maintenance is issued upon reaching a certain age and completing the work experience. However, there are some exceptions; in particular, the right to early retirement. Which categories of citizens have the opportunity to receive early cash payments? How to retire early? All these questions will be answered in detail in the article.

general characteristics

Unfortunately, not all citizens have sufficient legal culture. That is why many workers are not aware of some of the nuances of the current legislation regulating the right to early retirement. All benefits, rights, additional payments and many other important legal elements are secured, first of all, in Labor Code RF. But besides this, it is also worth highlighting a large number of Government decrees and regulations (in particular, the Federal Law on assessing working conditions). All presented regulations regulate the following concept.

Early retirement (Article 27 of the Federal Russian Federation") is a direct connection with professional activity a specific person, carried out under specific production conditions or stipulated by certain social norms.

Thus, a person who carries out his labor activity in production with unusual working conditions, has the right not only to various types of benefits, but also to early payments. In this case, the profession must be truly “harmful”: full list heavy jobs was approved by the Council of Ministers of the USSR, but has remained virtually unchanged to this day. Who retires early? This will be discussed further below.

Early old age pension: who is entitled?

An early pension is the option of receiving monthly payments, in which the permitted age will not reach more than 2 years later. Persons who are in a Russian employment center as unemployed, as well as those who have appropriate work experience (20 years for females and 25 years for males), can apply for such a pension. Accordingly, early pensions in the Russian Federation are issued only to those persons who meet the above criteria.

The presence of harmful or difficult working conditions in work invariably entails the possibility of receiving an early pension. Harmful working conditions are considered to be physical or psychological stress, and more recently, work in the Far North. Russian legislation establishes the possibility of obtaining so-called shortened work experience. It is thanks to him that it will be possible to receive early pension payments.

It is also worth noting that the worker has any serious illnesses. If continuing to work is impossible due to health reasons, then early retirement can be issued only if a special medical report is provided to the employment center.

List of hazardous professions

If an employee carries out his labor activity in a job with harmful characteristics of work, then the possibility of early retirement increases significantly. Which professions fall under the category of “harmful”? Since Soviet times, a classification has been preserved that allows one to accurately determine the degree of severity of labor. Thus, there are four levels of professional activity:

The issuance of each such degree is possible only if attention is paid to the following points:

• increased dust content in the air, the presence of dirt;
• poor quality lighting;
• loud noises;
• harmful radiation;
• working with harmful microorganisms, viruses, bacteria, chemicals, etc.;
• increased vibrations;
• high level of humidity;
• too low or too heat air;
• duration of stress in work activity and much more.

From all the presented criteria comes another classification: list 1 - these are professions with a critical degree of harm, and list 2 - certain types of heavy professions and positions. Both of these lists can be easily found on the official website of the Ministry of Labor.

Categories of citizens

Federal Law of the Russian Federation No. 400 contains more than 20 points, which indicate both the conditions for early retirement and some professions in which one can qualify for early retirement. What exactly is worth highlighting here? Here are some of the specialties specified in the law:

• railway workers;
• search engines and geological prospectors;
• miners;
• public transport drivers;
• workers of river and sea vessels;
• aviation workers;
• rescue workers;
• persons working underground (miners, metro workers, etc.);
• workers in the field of execution of punishments (prison workers);
• teachers;
• community health workers;
• theater workers and some other workers.

Among other things, special categories of citizens are distinguished here:

• (raising more than five children);
• visually impaired;
• persons injured as a result of hostilities;
• dwarfs and midgets;
• workers of the Far North.

All of the above persons can receive an early pension. At what age is retirement possible? This will be discussed further below.

Conditions for early retirement

How to apply early First, you should pay attention to the following conditions:

If the relevant conditions are met, it is worth paying attention to the contents of the so-called lists 1 and 2, mentioned above. Thus, a woman belonging to list 1 has the right to a pension upon reaching 53 years of age, with a total working experience of 15 years. The duration of work in hazardous production should not be less than seven years. In accordance with List 2, a woman can apply for a pension from the age of 45. The working experience should not be less than 20 years.

What do the lists say about male workers? In accordance with List 1, a man who has reached 50 years of age can apply for a pension after accumulating 20 years of service. Schedule 2 sets the minimum age of a worker at 55 years and 25 years length of service(12 on harmful conditions).

Thus, it can not be issued by all persons, but only by those who meet the above criteria.

Early pension in the Russian Federation: registration procedure

What actions need to be taken to receive early pension payments? First, you should contact your local Employment Center with a corresponding application. They will give you a document that you need to fill out. The authority will definitely help you prepare the paper in a high-quality manner. Within a month, the Employment Center will provide the citizen with a response - with consent to carry out further work or with a justified refusal.

What do you need to provide to the Employment Center in addition to the application? As a rule, these should be the following documents:

• passport and its photocopy;
• military ID;
• child's birth certificate (if the employee has children);
• original and copy of work book.

The Employment Center may also request the following documents:

• certificate of dependents;
• address statement (about place of residence);
• disability certificate;
• certificate of upbringing of a child under eight years of age;
• document on family composition;
• certificate or certificates of guardianship.

The authority may request many other certificates - for example, individual documents from work. It is very important to fill out all the papers correctly and correctly, check for the presence of seals and signatures.

Citizen's rights

The question of how to retire early is regulated by many Russian laws. federal laws. What rights does a citizen who plans to retire early have?

A citizen is able to demand from his employer all the necessary documentation necessary for transfer to the employment center or the Pension Fund of the Russian Federation. Moreover, the employer of the enterprise must confirm the preferential length of service of the employee. If the employer for some reason does not do this, then such a task is assigned to the relevant government body.

As soon as the employee receives a pension insurance certificate, all information about his “movements” will be taken into account by the Russian Pension Fund.

It is also worth citing the classic formula for calculating early retirement:

SP = PK*S*K+FV*K

• FV - basic payment;
• C - the cost of one coefficient at the time of registration of a pension;
• PC is the total amount of pension type coefficients earned;
• K - increasing indices to PV.

All persons who have correctly completed the necessary papers at the Employment Center and the Pension Fund have the right to receive an early retirement pension.

Reductions or liquidation of the enterprise

It is far from uncommon for situations when an employee of pre-retirement age suddenly loses his job. The reason for dismissal may be in the organization, the elimination of jobs and much more. Naturally, almost no organization expresses a desire to hire a person who has very little time left before retirement. The situation, I must say, is very uncomfortable, and often completely hopeless. Still, the citizen wants to “finish off” his work experience, but there are no opportunities for this. What to do in such situations? This is where you should ask yourself the question of how to retire early. The first thing to do is to compare your indicators with those required for early payments, compare past working conditions with the required “harmfulness”. At what age do people retire early? As already mentioned, men must not be less than 58 years old, and women must not be less than 53 years old. The following conditions must also be met:

• dismissal from work was based only on staff reduction or job elimination (one’s own desire and medical indicators are not taken into account);
• having a certain length of service (25 years for men and 20 years for women);
• the citizen is a member of the employment service;
• There are no suitable vacancies on the labor exchange.

If citizens have committed offenses that resulted in the termination of social benefits, then they should not expect early retirement.

Can they refuse?

Quite often, the Employment Center or the Pension Fund of Russia refuses citizens to apply for an early pension. As a result, applicants have to go to the courts and resolve cases there. Naturally, such examples illustrate the unsatisfactory level state protection citizens' rights to receive pensions. And yet it is worth citing the main reasons for refusing early retirement. Here you need to highlight:

What should be done if the above authorities received a refusal? How to retire early no matter what? There is only one way out - to contact higher authorities. A complaint is filed with the same Pension Fund; you need to put everything into it Required documents. The complaint will be considered within a month. If the refusal comes again, then there is only one way out: to go to the courts of general jurisdiction. You will need to file a filing to contest the refusal.

Features of registration of a pension

For both employed and unemployed citizens, certain features of registering a pension are provided. A working citizen should remember the following:

• the employer is obliged to pay severance pay for a two-month period;
• payments from a previous job will stop if a citizen registers as unemployed.

Unemployed citizens should remember that full work experience makes it possible to receive subsidies. Moreover, every year worked over total experience, gives the right to extension state provision for two weeks. If a citizen becomes an individual entrepreneur or legal entity, then receiving early pensions will cease until the current status is closed.

A pension is compensation for earnings or other payments received that were lost by a person due to old age.

• women with two or more children who have worked in the Far North for 12 years or in equivalent places for 17 years;
• persons who have completed the required length of service in the Far North or equivalent areas;
• citizens permanently residing in the Far North and working as reindeer herders, fishermen, and commercial hunters.

Pension provision for unemployed citizens

Citizens who have lost their jobs due to their reduction or liquidation employer and are registered with the employment service, the pension benefit can be issued ahead of schedule for the period they reach the age that gives them the right to appointment. This assignment occurs:

• at the suggestion of the employment service and with the consent of the unemployed;
• if it is impossible to get a new job;
• no earlier than two years before retirement age, including early assignment of a pension;
• if you have the required insurance period for assigning an old-age pension and the value of the individual coefficient, and the presence of the required amount preferential length of service for early retirement.

Early retirement benefits for the unemployed are assigned and paid in accordance with Article 32 of the Law of the Russian Federation of April 19, 1991 N 1032-1 “On employment in the Russian Federation”.

The assignment of early pensions to such citizens has some nuances:

• in case of employment or receipt of income from other activities, the payment of pension benefits to the unemployed is terminated;
• upon dismissal or termination of income-generating activities, pension benefits can be restored;
• if the unemployed person was a civil servant, then the long-service pension provided for by the law on pension provision for civil servants may be added to the pension benefit assigned to him.

Upon reaching the retirement age established by law, recipients of pension benefits can switch to an old-age insurance pension; to do this, they must contact the Pension Fund in advance.

Raising the retirement age for civil servants from 2017

The latest government decision to reduce pension costs resulted in the adoption of a law raising the retirement age for civil servants. The law applies to employees of state and municipal authorities, as well as to persons holding political positions. According to the adopted law, this category of citizens has the right to receive a pension benefit based on length of service. will arise:

• in men upon reaching age 65 years old, in women 63 years old;
• in the presence of minimum experience work in government agencies 20 years.

The age and minimum work experience will increase gradually, from 2017 they will increase annually for 6 months.

Will the old age pension age be raised?

Retirement age in Russia below average compared to other countries, while pensioners make up about 30% of our country's population.

Our state does not have enough money to pay pension benefits, so the government has repeatedly discussed the issue of raising the retirement age. Back in 2016, the Ministry of Finance developed a plan to gradually increase the retirement age for and until they eventually reach 65 years old. But, since this is a very serious step that may have Negative consequences, you need to carefully prepare for it.

At the moment, an increase in the old age pension age for other citizens is not provided for by law, but it is inevitable and sooner or later it will happen.

Applying for a pension after the due date

In order to save money on pensions, the state encourages citizens to postpone the payment of pension benefits at a later date.

In accordance with the law, when applying for a pension later than the entitlement to it (after 55 years for women or 60 years for men), special payments are established premium odds, increasing the amount of pension benefits.

Depending on the delay in establishing pension payments, increasing coefficients may be applied to the insurance pension (SP), presented in the table below:

In addition to the insurance pension, increasing coefficients also apply to fixed payment(FV) to her:

Conclusion

The retirement age for Russian citizens, established by law, is currently 55 years for women and 60 years for men, except for those whose age requirements have gradually increased by six months per year since 2017. increase. The legislation covers a large circle of citizens who have the right, upon achieving certain conditions, to receive a pension benefit. before the established age.

Taking into account the number of citizens who continue to work after appointment pension provision, in order to save pension funds, there is a possibility that in the coming years the government will decide to raise the retirement age for all categories of citizens, and will also review the conditions for assigning pensions early. By agitating and stimulating citizens to apply for pension benefits later than the established period, the state is thereby pushing the retirement age forward. However, in 2018, this measure will not affect citizens.