The size of the pension according to the Khanty-Mansi Autonomous Okrug. Northern pension. Insurance and funded pension

If citizens Russian Federation live in areas where climatic conditions not only do not contribute to improved health, but also threaten deterioration of well-being and chronic diseases, these individuals have the right to material government support. Having worked for a legally established time in the regions of the Far North and places that are equivalent to these zones, men and women should receive a northerners’ pension in 2019. This condition is enshrined in Article 33 of Federal Law No. 400 “On Insurance Pensions” dated December 28, 2013: “When determining work experience in the regions of the Far North and equivalent areas for the early assignment of an old-age insurance pension in connection with work in these areas and areas to the specified work is equivalent to work that gives the right to early appointment old age insurance pension.

Additional payments to pensions for northerners in 2019: regional coefficient

It should also be noted that residents of these territories can count on an additional payment to the pensions of northerners in 2019. Such a monetary bonus depends on where exactly the person works and lives. The so-called regional coefficient looks like this:

• 2.0 – if a person is in the Sakhalin region, on the Commander Islands, in Yakutia or on the islands of the Arctic Ocean;
• 1.8 – for residents of the Krasnoyarsk Territory and Murmansk Region;
• 1.7 – if citizens live in the Magadan region or work in the city of Mirny in Yakutia;
• 1.6 – for the population in the Komi Republic, Khabarovsk and Kamchatka Territories;
• 1.5 – residents of the Republic of Tyva, Tyumen and Tomsk regions, German Autonomous and Khanty-Mansiysk districts.

In 2019, the pensions of northerners were increased not only for those who officially reside or temporarily stay in the territories belonging to the Far North, but also for citizens who are not registered there, but live in these areas all the time.

It must be remembered that in order to prescribe and receive the appropriate government payments, with a request to review the sizes or methods of their delivery, you should contact the Pension Fund. To do this, you need to submit a document confirming your residence in this region and write an application. It is also important to pay attention to the fact that in 2019 the fixed part of the pension of northerners is paid in accordance with Article 17 of Federal Law No. 400 “On Insurance Pensions” dated December 28, 2013: “Persons who have worked for at least 15 calendar years in the regions of the Far North and with an insurance record of at least 25 years for men or at least 20 years for women, an increase in the fixed payment to the old-age insurance pension and to the disability insurance pension is established in an amount equal to 50 percent of the amount of the established fixed payment to the corresponding insurance pensions." In order for this monetary subsidy to be accrued, it must be confirmed every year: citizens must contact the Pension Fund on time - submit an application before the expiration of the previous payment.

Preferential pensions for northerners in 2019: recalculation of payments

Due to the indexation of pensions in 2019, the pensions of northerners, like other government subsidies, increased slightly. But, more importantly, payments to people living in harsh climatic conditions were not canceled at all.

It can be considered a significant privilege for those who are in the Far North that they have the right to early retirement. Moreover, even if a person has left certain territories, he cannot be deprived of benefits intended for residents of the relevant regions, since this individual risked their health over a period of time. However, in this situation, in 2019, the pensions of northerners are recalculated: what is meant is that, having moved to a new place, a person can receive either more or less payments. Everything will depend on where exactly the citizen moved. For example, those who moved to settlements located outside the regions of the Far North are not entitled to an increased fixed payment.

You also need to know that the preferential pension for northerners has been paid to citizens since 2019, taking into account the following conditions:

1. The female half of the population must work for at least 15 years, and men must be officially in the service for at least 20 years.
2. When the work experience already totals at least seven and a half years, the exit to a well-deserved rest is approaching 4 months every year.
3. For those individuals who work in zones with a similar status, 1 year of experience is equivalent to 9 months of service in the Far North.

If individuals did not work at all or did not have the opportunity to accumulate the required work experience, they are deprived of the right to receive state insurance coverage. These categories of citizens may qualify for another type of cash payment - social. It is established by law that in such situations, subsidies are also provided only from the moment of reaching a certain age. This condition is stated in Article 11 of Federal Law No. 166 “On State pension provision in the Russian Federation" dated December 15, 2001: "Citizens from among the indigenous peoples of the North who have reached the age of 55 and 50 years (men and women, respectively), permanently residing in the areas inhabited by the indigenous peoples of the North on the day of their pension."

Documents for calculating pension increases for northerners in 2019

When calculating the pensions of northerners in 2019, such a factor as the period of length of service: it also includes the time spent on training or serving in the army. Moreover, the region of residence of an individual plays an important role, since it is legally assigned a certain coefficient. Despite the slightly confusing calculation scheme, such changes guarantee one or another addition not only to old age benefits, but also to disability benefits or in the event of the loss of a breadwinner. You should only take into account that the amount of the subsidy cannot be more than three minimum pensions.

However, due to the increase in pensions for northerners in 2019, the amount of state support is:

• 7200 rubles – for those whose age is less than 80 years, and these persons do not have any relatives to support them;
• 14,400 rubles – for citizens who have 1st group of disability or their age has reached 80 years, but they do not provide for other individuals;
• 9,600 rubles – if at least one dependent is in the care of a northerner who has not yet turned 80 years old;
• 16,800 rubles – if the person is already 80 years old and must support a close relative.

To receive payments in such amounts, you must provide the following to the Pension Fund:

• a document that will confirm the person’s identity - age and place of residence must be indicated;
• papers documenting the availability of relevant work and northern experience;
• documents that will indicate that the individual is supported by certain citizens;
• additionally - a document confirming registration of place of residence, and a document confirming a change of name (if this fact occurred).

An application written to the Pension Fund is considered within 10 days. If a positive decision on accrual is made, the first payment will be made for the month in which the individual submitted the documents. This cash grant must be provided monthly and indefinitely.

The pension system in the Russian Federation does not stand still, but is constantly being improved, becoming more stable and understandable. Along with this, our country is opening up new prospects for citizens to form pension rights.

Types of pensions

The current pension system in Russia is three levels:

• (OPS);

OPS is being formed at the expense of employers' insurance contributions(policyholders) for themselves and their employees in the Pension Fund. As part of the OPS, payments are made several types of insurance pensions:

We can say that a pension under compulsory pension insurance is a part of earnings deferred for the future and upon the onset of insured event.

Chief Insurer in the OPS system is Pension Fund of the Russian Federation(PFR). As for , here the insurers are non-state pension funds (NPFs) or management companies (MCs). This kind pension payment formed by the decision of the insured person.

But not all citizens, for one reason or another, can earn the right to. Such persons are assigned within the framework of state provision and support. Payment of such pension funds is carried out from the state budget.

Non-state pension provision(NPO) provides citizens with the opportunity to voluntarily form another additional pension, which is assigned on the grounds specified in the NPO agreements.

Compulsory pension insurance system

The right to a pension payment arises upon the occurrence of an insured event:

• (65 years for men and 60 years for women);

Citizens who work and transfer insurance contributions to the Pension Fund are insured persons. - This main type of pension payments in Russia.

Annually government insurance payments. However, since 2016, indexation has been carried out only for non-working pensioners (Article 26.1 of Law No. 400 - Federal Law “About insurance pensions”).

The OPS system also provides measures to support people whose payment is below the subsistence level. This measure is intended only for non-working pensioners by establishing.

Individual (personalized) pension accounting

Since 2002, personalized accounting of pension rights has been carried out, in which all data about citizens is contained on it. individual personal account.

It is to this account that the employer transfers every month insurance payments. It also contains information about the citizen’s length of service, earnings and voluntary contributions. Thus, pension rights are formed - the basis for future pension payments.

Citizens insured in the OPS system have the right to receive an extract from their personal account in order to monitor its condition.

Individual account number is unique and belongs to only one citizen. The document confirming the assignment of such a number is an insurance certificate - SNILS. It is issued once and for life.

Opens using SNILS several possibilities:

• receive a government benefit;
• receive public services electronically;
• reduce the number of documents when receiving government services.

An insurance certificate is also required for formation of a register of citizens who have the right to receive government social services and benefits.

State pensions

Financing of pension payments state provision, unlike OPS, is carried out from the federal budget.

Such pensions are established for citizens in order to compensate them for their earnings lost due to termination of civil service upon reaching the required length of service, or to compensate for damage caused to the health of citizens during military service, as a result of exposure to radiation, in the event of disability or loss of a breadwinner, as well as in a number of other cases.

A state pension payment is assigned at any time after the right to it arises. Also for some there is a payment 2 pensions at the same time.

Types of state pensions

There are several types of state pension payments:

• For length of service. Installed, and subject to certain conditions, namely the presence required experience in relevant positions.
• Due to old age. Assigned to citizens. The conditions for the emergence of the right to it depend on the category of the recipient, the nature of the work he performs, the place and duration of stay in the contaminated territory.
• By disability. This state pension is established in the event of incapacity for work among citizens, cosmonauts, as well as victims of the Chernobyl Nuclear Power Plant and those awarded the badge "To a resident of besieged Leningrad".
• On the occasion of the loss of a breadwinner. Such a pension payment, established by the state in the event of the loss of a breadwinner, namely, those who served in conscription, citizens exposed to radiation, astronauts and candidates for them, is assigned to disabled members of their families.
• Social pension. Paid according to the provisions of Law No. 166-FZ of December 15, 2001. “On state pension provision in the Russian Federation” if the insured person does not have the necessary insurance period. also divided into the following types:

Non-state (additional) pension provision

Along with government measures for the formation of pension payments, citizens can take part yourself in increasing your future pension.

Additional pension provision is provided on a voluntary basis by concluding a depositor agreement with any non-state pension fund (NPF). A list of such funds that are currently operating (have a license) is provided on the official website of the Central Bank.

According to such a document, within a certain period of time, the citizen will transfer the agreed amounts to his personal account.

As a rule, these agreements are concluded to provide pensions for such categories of citizens who are engaged in hard or dangerous work so that after retirement, payments can compensate for their work (a list of such positions is given in subparagraph 1-18, paragraph 1, article 30 of law No. 400 “About insurance pensions”).

Agreements may be concluded for such citizens early non-state pension provision, which determine the pension scheme, the procedure and conditions for the payment of non-state pensions (paragraph 2, article 3 of the law dated 05/07/1998 N 75-FZ “On non-state pension funds”.

Pension reform

The rules in force since the beginning of 2015 removed the funded part of the pension from the insurance component and made it . Such a payment can be established by both the Pension Fund and non-state pension funds, if a citizen decides to form his savings in one of them.

Increasing the importance of insurance experience at . Also plays an important role level wages , from which insurance premiums are transferred to the Pension Fund. The longer the length of service and the higher the salary, the greater the amount of the pension payment.

Until the end of 2015, citizens born in 1967 and younger had, namely, the formation of an insurance and funded pension or. For citizens who first began their working career after 2015, such a right to choose will be provided for the first five years.

Another opportunity to increase the size of your future pension is later exit. For each year of delayed retirement, increasing coefficients will be added to the insurance and fixed payments.

Insurance and funded pension

The basis for future insurance pension payments is those transferred by employers to the Pension Fund of the Russian Federation for their employees to their individual accounts. The insurance premium rate is 22% of wages. The government approves the maximum level of the contribution base every year (in 2019 - 1,150,000 rubles).

• When forming, the tariff will be distributed across individual in the amount of 16%(all contributions go directly to the insurance pension) and joint at the rate of 6%(to finance a fixed payment to current retirees).
• Citizens of a certain age, namely those born in 1967 and younger, can (could) choose a different way of forming their future pension, deciding to contribute part of the funds to. Then the individual tariff will consist of 10% for the insurance pension and 6% for the funded pension, while the solidarity tariff will remain unchanged.

New pension formula for calculating pensions

It is important to remember that all pension rights formed before 2015 will be preserved, recorded and. If the final pension amount is lower than the established one, then it is left at the same level.

Individual pension coefficient (IPC)

The individual coefficient is basis for the formation of pension rights citizens according to the new point system. Its value is different for each citizen, since the IPC is equal to the ratio of the salary of an individual person to the maximum salary from which employers make payments to the Pension Fund.

IPC = (SV / MV) × 10,

• IPC- annual individual pension coefficient;
• NE- the amount of insurance premiums for a citizen at a rate of 16% or, when forming a funded pension, 10%;
• MV- the amount of contributions from the maximum contributory salary (in 2019 this is 1,015,000 rubles).

Accordingly, the higher the salary, the higher the pension coefficient. With an equal level of income, the IPC will be higher for the citizen who refused to form a funded pension.

All individual odds will be summed up. It is especially worth noting that the ICP is also accrued for some non-insurance periods, for example, military service on conscription, parental leave (Article 12 of Law No. 400 “About insurance pensions”).

In addition, the law establishes the maximum value of the IPC, equal to 10, but this limit will be set gradually from 7.39 in 2015 to 10 in 2021 (9.13 in 2019).

Analysis of the Russian pension system

A set of measures to reform the existing pension system affected since the beginning of 2015 all participants. However, there was no immediate solution to the accumulated problems:

• pensioners are still dissatisfied with the payments they receive;
• policyholders - high contributions to the Pension Fund;
• the state - because the indignation of citizens is growing, and it is becoming increasingly difficult for the Pension Fund itself to collect the necessary funds to fulfill its obligations.

It causes some confusion among citizens when their insurance premiums are transferred points, and the state independently sets their cost.

In addition, the economic and demographic situation in the country complicate the existing situation. The number of recipients of pension payments is growing and the number of workers, and, consequently, payers of contributions, is decreasing. Thus, the balance of the main principle of the current pension system - the principle of solidarity between generations - is upset. In addition, a decrease in household income has an adverse effect on contributions to the Pension Fund.

One of the ways out of the current situation was for 5 years (that is, until the age of 60 and 65). A gradual transition to new retirement age standards will be carried out from 2019 to 2023 with an annual increase of 1 year.

Conclusion

The laws in force in our country since 2015 have brought many changes to the pension system. The main difference between the existing procedure for the formation of pension rights is their calculation in conventional units - individual odds. An important innovation was the indexation of pension payments only for , as well as an increase in the retirement age for insurance and social pensions.

• The existing pension system in Russia is three-tier. The main share is occupied by state-guaranteed funds.
• is the main type of pension in Russia. Citizens' pension rights are formed on their individual personal accounts. Each citizen is assigned his own unique number, reflected in.
• Citizens who made a choice before the end of 2015 in favor can increase the size of their future payment, voluntarily transferring part of the funds to a management company or non-state pension fund. However, in 2018 the moratorium on the formation of pension savings has been extended, that is, these funds will be used for insurance pensions (this measure will also be in effect in 2019-2020). But in any case, all payments transferred by the employer will participate in calculating the amount of future pension payments.

In accordance with the district laws of December 16, 2004 N81-oz “On additional pension provision for certain categories of citizens” and dated 07/06/2011 N64-oz “On additional pension provision for certain categories of citizens”, certain categories of Ugra residents are entitled to an additional pension. This is monthly cash payment pensioners who worked in the Autonomous Okrug. This payment is often called the "governor's allowance" or "governor's pension." Only the Khanty-Mansiysk Non-State Pension Fund pays the “governor’s pension”.

Who is entitled to the “governor's pension”?

The following categories can count on an additional pension:

1. Citizens who have worked for 15 or more years in the public sector of Ugra.
2. Members of the Writers' Union of Russia and the Khanty-Mansiysk district organization of the Writers' Union of Russia
3. Members of the Union of Artists of Russia and the Khanty-Mansiysk district organization of the Union of Artists of Russia
4. Holders of orders that are state awards of the Russian Federation (provided that these awards were received during the period of work in the Khanty-Mansiysk Autonomous Okrug)

Conditions for assigning a “governor’s pension” to citizens with work experience in the public sector

1. Assignment of an insurance pension;
2. Reaching the age of 55 years for men, 50 years for women;
3. Work experience in the public sector of the Khanty-Mansiysk Autonomous Okrug for at least 15 years;
4. Termination of work (if the man has not reached the age of 60, and the woman has not reached 55 years of age.

Conditions for assigning a “governor’s pension” to citizens who have achievements and services to the Khanty-Mansiysk Autonomous Okrug

1. Assignment of an insurance pension;
2. Reaching the age of 60 years for men, 55 years for women;
3. Termination of labor activity (except for writers, if the object of their labor and entrepreneurial activity is literary creativity, and artists, if the object of their labor and entrepreneurial activity is fine art)

IMPORTANT:

Apply for a “governor’s bonus” to your pension public sector workers may until December 31, 2020.

The size of the "governor's pension"

1. Writers who are members of the Union of Writers of Russia and registered with the Khanty-Mansiysk district organization of the Union of Writers of Russia, and artists who are members of the Union of Artists of Russia and registered with the Khanty-Mansiysk district organization of the Union of Artists of Russia - 3989 rubles;
2. Yugra residents who were awarded one order, which is a state award of the Russian Federation, during their work in the Khanty-Mansiysk Autonomous Okrug - 1,499 rubles;
3. Yugra residents who were awarded two orders, which are state awards of the Russian Federation, during their work in the Khanty-Mansiysk Autonomous Okrug - 2,745 rubles;
4. Yugra residents who were awarded three or more orders, which are state awards of the Russian Federation, during their work in the Khanty-Mansiysk Autonomous Okrug - 3989 rubles.
5. The amount of additional pension for citizens who have worked in the public sector can be determined using the following table:

IMPORTANT:

If a pensioner who was assigned a “governor’s pension” by social pension before July 6, 2011, the disability group has changed, then the amount of the additional pension will be as follows:

1. 471 rubles are added to the social pension in case of loss of a breadwinner and to the social pension for disabled people, disabled people from childhood of group III;
2. 995 rubles are added to the social pension for people with disabilities from childhood of groups I and II.

How to get a “governor's pension”?

You must contact the office of the Khanty-Mansiysk non-state pension fund. available in all municipalities.

You must have the following documents with you:

1. Personal Statement;
2. Identity document;
3. Pensioner's ID;
4. Work book;
5. Certificates of a member of the Union of Writers of Russia, a member of the Union of Artists of Russia or a certificate from the governing bodies of the Union of Artists, the Union of Writers confirming this membership (for retired writers, retired artists);
6. Award documents, and in their absence - certificates from archival authorities (for citizens awarded orders);
7. SNILS (if available);
8. TIN (if available);
9. Bank details.

The “Governor's allowance” is retained when moving to another region and when resuming work.

In accordance with the Decree of the Government of Khanty-Mansi Autonomous Okrug-Yugra dated September 22, 2011 N 344-p “On additional pension provision for certain categories of citizens” (clauses 16,17), recipients of the “governor’s pension” must pass.