New regulations on the pension fund. Adjustment for age. Who will not be affected by raising the retirement age in Russia?

With the advent of retirement age, most of the residents of our country are asking questions regarding pension accruals.

However, as a rule, changes often occur in the PF legislative framework and it is not always possible to keep track of them.

Legislative norms and acts that regulate pension issues

Issues related to the pension fund are regulated by many legislative acts, which include:

Of all of the above, the main law is considered to be the Constitution, which clearly states that the state must necessarily develop social projects aimed at improving the standard of living of its citizens, including pensioners. Moreover, do everything possible to ensure that the amount of pension benefits constantly increases.

Latest news and possible changes

Today, many citizens of our country are concerned about a number of issues related to pensions. This is due to constant changes to legislation, which includes the retirement age, and so on.

At the moment, many are interested pension reform, which should come into effect in 2019.

Starting from 2019, a law has been in force in the Russian Federation that regulates the process of gradually raising the retirement age. Every year the Government plans raises the current bar by six months. The increase in these indicators will be carried out until 2022-2026. until the age limit reaches 60-65 years.

In 2019, women will be able to retire upon reaching 55.5 years, and men with 60.5 years.

What's changing

As for important changes in this area, most likely, according to the head of the Pension Fund, this is an increase in the retirement age, according to which every person has the right to retire. In addition, the coefficient for calculating the amount of pension accruals will be considered.

It is worth paying attention to the fact that the pension reform affected pension calculation coefficient.

So, for example, in 2019, to apply for a pension, you must have at least 10 years of official experience.

Regarding the issue of non-state pension funds, in this regard the state is at great risk, since a sharp transition of the majority of citizens to a system of independent accumulation of pensions could lead to the fact that the national pension fund will simply be forced to constantly search for funds to pay the remaining pensioners who receive state pensions .

In 2019 there were the following innovations from legislators:

The government indexed insurance pensions by 7.05% from 01/01/2019.
The pay of military personnel will be indexed from October 1, 2019. It is worth noting that the reduction coefficient fixed at 72.23% will also be increased.
Social pensions and payments made at the expense of the Pension Fund will be increased by an average of 4.3%.
The cost of one pension point after January indexation was 87.24 rubles.
The basic pension payment (insurance) after indexation increased from 4982.90 rubles. up to 5334.19 rub.
As for social pensions, their indexation is planned for April 2019. This month they are expected to increase by 4.3%.
Pensioners who continue to work after retirement will not be able to qualify for indexation.

Positive aspects of the reform

Today the state has allocated at least 10 trillion to improve the lives of pensioners. rubles If city executive committees are able to correctly distribute these funds, all pensioners in the country will be able to receive significant increases in their pension payments.

If we take into account the fact that all distributions will be controlled at the government level, by the end of the year all pensioners will be able to receive higher pensions, which is good news.

Conditions of retirement

Today, retirement is possible subject to age for women – 55.5 years, for men – 60.5 years.

In order to be able to retire, it is enough to answer basic conditions, namely:

is of retirement age;
having a minimum official experience.

It is worth noting that the amount of pension payments directly depends on the level of wages. The higher the salary, the more taxes its owner paid and thereby increased his coefficient used to recalculate the pension.

Types of pensions

Today, the legislation of the Russian Federation provides 4 types of pensions, namely:

In addition, the legislation of the Russian Federation provides several types of labor pension, namely labor pension:

according to the age;
on disability;
due to the loss of a breadwinner.

What do the payments consist of and their size?

For most people, the issue regarding the formation of a pension is very exciting.

According to current legislation The pension is formed from three parts, including parts:

In turn, the basic part is a direct guarantor of state payments and is directly related to those segments of the population who, throughout their working career, received or did not work anywhere at all.

According to the head of the Pension Fund, by the end of the year this amount should be equal to.

Insurance part consists of several parts: a fixed base amount and personal insurance. It is worth noting that this part is calculated, as a rule, not in monetary units, but in coefficients.

At the same time, for a pensioner who works, points are recalculated once a year.

When calculating savings part– the total amount of all accruals is divided by 228 months.

The general funded part is formed by transferring 6% of the worker’s salary to the Pension Fund.

Co-financing

The concept of co-financing pensions is quite complex and in order to understand it in detail, you should study its working mechanism.

This program is aimed at increasing the amount of contributions to the Pension Fund towards a future pension. Moreover, this amount of contributions will be doubled from the country’s budget.

For example, a worker contributes 600 rubles monthly to the Pension Fund, and the state doubles this contribution to 1,200 rubles. and thus increases the coefficient.

Despite the fact that such a program was supposed to end, the government decided to extend it, and it continues to this day.

As for the mechanism, then it is as follows:

Every resident of our country who takes part in this program has the right to deposit financial capital into their individual savings account. If the total annual contribution exceeds 2 thousand rubles, the government is guaranteed to double it. Otherwise it remains unchanged;
in the event that the category of citizens who have an insurance pension, but did not apply for a pension, the government increases the amount of credits to them by at least 4 times;
Participants can make contributions under this program for the next 10 years. All this time, the government will increase the contributions of program participants by at least 2 times.

As for the changes in this area, they are minor. So, apply You can participate in this program until the end of this year.

Today, the country's authorities have decided to extend this program.

In addition, the Government adopted a resolution that it is now possible to re-apply for participation in the program after a 5-year break. That is, if a person first took part in the program 10 years ago, he has the right to make additional payments on these contributions after 5 years, regardless of whether this program is in effect or not.

If citizens receive social benefits, they are not eligible to participate in this program. They can submit the corresponding change only if they find official employment.

Latest changes in issues of various types of pension contributions

Since the beginning of 2016, some changes have come into force that relate to pension issues in almost all its types. Let's take a closer look.

Cumulative

As for this type of pension, it is worth noting one important change.

Starting from 2016, absolutely all insurance premiums for compulsory pension insurance, which up to this point were paid directly by the employer, will now be used only to form an insurance pension.

Early

Today, the legislative framework of the Russian Federation continues to provide for early retirement.

However, it is necessary that the person applying for a pension has an appropriate coefficient providing for retirement.

It is worth noting that each group of people who are eligible for early exit has its own coefficient. There is no need to pay special attention to this, since its value is variable and depends on length of service.

Preferential

The changes that were adopted in pension legislation did not affect this area. Therefore, everything here remains unchanged.

Municipal

The legislative framework in this area provides increase in payment pension provision up to 17%.

Without any doubt, this will take place in several stages and should be completed before the end of this year.

As for any significant changes, there are none.

Innovations regarding different categories of citizens

In view of the latest changes in the Pension Fund, most categories of citizens began to worry and believe that the situation will now worsen.

However, this is far from the case, and recent changes have had little effect on all categories. Moreover, these changes are most associated with an attempt to increase pension benefits and nothing more.

Northerners

For military personnel

In this area, there will be changes only in the amount of pension payments. So, since the beginning of 2016, the Ministry of Defense has increased the amount of additional financial support for military pensions.

Civil servants

In this group, there have been some changes regarding the required length of service for retirement. So, for example, the minimum length of service has been increased from 10 to 15 years.

The required length of service will be increased in the future in several stages, every six months.

For displaced people

There are no allowances or other changes for migrants.

Freeze of contributions

The Ministry of Labor, in particular Andrei Pudov, reported that the Pension Fund is preparing a budget that provides for a three-year ban on contributions to the funded part of the pension.

Thus, for 3 years (from 2017 to 2020) there will be a moratorium on the funded part. According to experts, this may negatively affect the work of non-state pension funds, since it will be important for them to find funds to pay current pensions.

That is, NPFs are required to withdraw their reserves from circulation, thereby compensating for losses incurred.

About indexation of pensions, see the following video:

In its final form, the new law on pension reform was adopted, taking into account the proposed amendments, on September 27, 2018 in the third reading. Already on October 3, the document was approved by the Federation Council and signed by the President. Text of the law dated October 3, 2018 No. 350-FZ, published on the official Internet portal of legal information.

The most significant amendment by the President to this law is the reduction of the new retirement age for women by 3 years - to 60 years instead of the 63 years originally proposed in the bill. The President also proposed preferential conditions for retirement in the first 2 years of the new law - in 2019 and 2020. (see new retirement table). All presidential amendments were approved by deputies during the reading of the bill in the State Duma.

The new schedule for increasing the retirement age from 2019 is built taking into account the following initial conditions:

In total, the retirement age for women and men will be increased by 5 years - to 60 and 65 years, respectively.
The increase will occur in stages - annually in 1-year increments. It will begin in 2019 (that is, 1 year will be added to the current retirement period in 2019).
For citizens who, according to the old law, were supposed to retire within the next two years (in 2019 and 2020), on behalf of Vladimir Putin, the opportunity to retire 0.5 years earlier will be provided.

The corresponding changes can be illustrated by the following schedule of increases in the retirement age by year:

It is noteworthy that:

in 2019-2022, men and women will be able to go out annually with breaks of six months to a year;
after 2022, retirement will occur only in even years (2024, 2026 and 2028);
after 2028, when the transitional provisions end, retirement will again occur annually - in both even and odd years (2029, 2030, etc.).

By year of birth, the corresponding changes are as follows:

Thus, the transition period of pension reform will last for 10 years - from 2019 to 2028. At the same time, the final new retirement age for women and men will be established within 5 years - by 2023.

The change in retirement age from 2019 will not affect all citizens - for some categories of pensioners, the previous rules for retirement will be maintained (that is, for them there will be no changes in connection with the pension age reform):

For those who, as of January 1, 2019, have already received an old-age pension (no one plans to return pensioners from well-deserved rest to work additional years).

For those working in dangerous and harmful working conditions:

on geological exploration, prospecting, survey and forest management work;
in underground work, in hot shops;
in mining (underground and open), in the extraction of coal, shale, other minerals, construction of mines and shafts;
public transport drivers on regular city passenger routes;
pilots and engineering and technical staff of civil aviation, etc.

For citizens entitled to a pension for health reasons and social reasons:

disabled people of group 1, visually impaired people, patients with pituitary dwarfism (midgets), and disproportionate dwarfs;
women who have given birth to 5 or more children and raised them until they are 8 years old;
women who have given birth to 2 or more children and who have the required work experience in the Far North;
parents, guardians of disabled people since childhood, who raised them until they reach the age of 8, and others.

For persons injured as a result of man-made accidents, radiation disasters, including at the Chernobyl nuclear power plant, Mayak PA.

The pension reform also provides for adjustments to the rules for issuing early pensions for the following “preferential” categories of citizens:

workers in the Far North and equivalent areas;
health workers;
teachers;
workers in creative professions.

For “northerners” the law provides for the preservation of special length of service, but the retirement age for them will be increased in the same way as the generally established 5 years for men and women. That is, from 2019, the limit of the period of working capacity will gradually increase until the final values are established - 60 years and 55 years.

For teachers, doctors and creative workers, the requirements for special experience will also be maintained - for early retirement it will still be necessary to acquire from 15 to 30 years of professional experience. But the bill stipulates that the deadline for applying for an early pension for them will be gradually postponed by several years - starting from 2019, 1 year will be added (except for 2019 and 2020, when the conditions for preferential registration six months ahead of schedule apply). The transition period for implementing the relevant changes will stretch until 2023 inclusive, when the postponement of the pension registration period will be finally fixed at 5 years.

The corresponding changes are most conveniently illustrated by the following table:

Note: * - The year in which the required special experience for teachers, medical workers and creative professionals is developed will be fixed, but the relevant workers will be able to apply for pension payments after completion after several more years (in final form, starting in 2023 - through 5 years from the date of completion of this experience).

2017 marked amendments to pension legislation. The adjustments affected, first of all, the amount of payments and the procedure for assigning them to individual citizens. Let us next consider new changes in pension legislation.

General information

The first changes in 2017 relate to the suspended provisions relating to the indexation of amounts. They began to act again. As the Prime Minister promised, the amount of social and insurance payments will be indexed in full.

Provided changes in pension legislation for military personnel. Payments to these citizens will also be increased, but the exact amount of the increase is unknown.

On January 1, the law establishing an increase in the retirement age to 63 years for women and 65 for men came into force. It was assumed that these would affect only officials. However, due to the presence of a budget deficit, the replenishment of which is extremely slow, the issue of raising the retirement age for other citizens is being actively discussed. This idea caused a wide resonance in society. The government, however, promises that active steps in this direction will not be taken until 2018.

Situation in practice

Among the key changes in pension legislation from the beginning of 2017 the following can be noted:

Increasing the minimum length of work experience.
Increasing pension coefficients. They are used to assign old-age pensions.

After the reform carried out in the country in 2015, the procedure for calculating amounts changed. Accordingly, pension contributions transferred to the insurance part began to be taken into account in the form of individual coefficients (points). When a citizen retires, they are converted into rubles.

Experience requirements

As Article 8 of Federal Law No. 400 establishes, a citizen must have at least 15 years of experience and 30 points.

However, the Government decided to introduce these requirements gradually. Thus, the value of points from 6.6 will increase annually by 2.4. The required experience will also increase by one year annually.

The situation with civil servants

Federal Law No. 143 came into force on January 1, 2017. It significantly tightens the requirements for retirement age. As mentioned above, for women it will be 63 years, for men - 65 years. In this case, the civil service experience must be at least 20 years.

These will be implemented gradually. As of 2017, women must be 55.5 years old and men must be 60.5 years old to retire. Civil service experience must be 15.5 years.

The increase in the retirement age is associated with a constant increase in population growth and life expectancy of citizens. Currently, the average life expectancy is 72 years. If the economic situation in the future develops favorably, this figure will increase even more.

Tariffs for self-employed persons

According to changes in pension legislation, contributions for compulsory pension insurance (compulsory pension insurance) for citizens working “for themselves” are deducted in a fixed amount. It is determined annually based on the minimum wage.

Since July 2016, the minimum earnings amounted to 7,500 rubles. Accordingly, notaries, lawyers, other private practitioners, as well as individual entrepreneurs must pay 23,400 rubles to the Pension Fund. for 2017

The cost of living

Determining this indicator is necessary to acquire the right to receive social benefits.

As the Ministry of Economic Development noted, the cost of the consumer basket is expected to decrease. Accordingly, the cost of living will also decrease. It, in turn, is closely related to the size of pension provision. Social supplements are intended to bring the pension amount in line with the cost of living.

The budget law provided for a PM amount of 8,540 rubles. Meanwhile, in regions this indicator varies significantly depending on different conditions, including climatic conditions.

It is worth saying that those relating to the cost of living apply to citizens who began receiving a pension in 2017. For other persons, the payment will be the same (higher).

One-time payment

It was introduced due to the lack of sufficient budget funds for indexation. Some previously adopted provisions have been suspended. At the same time, the Government decided to carry out a partial indexation of pensions - by 4%. Considering the level of inflation, this measure turned out to be insufficient. But there were no funds in the budget for a full recount.

To compensate for losses, the Government decided to make a fixed payment in the amount of 5 thousand rubles. This amount was due to all persons who were pensioners as of December 31, 2016.

Implementation of these changes in the legislation of the Pension Fund was not accompanied by any difficulties. The procedure for citizens to receive additional payments has been simplified. Pensioners did not need to contact the Pension Fund with an application. Payments were made according to the schedule from January 13 to January 28. Moreover, in some cases, the issuance of compensation coincided with the receipt of a pension.

If the pension was not delivered to the home, the pensioner was sent a notification according to which the payment could be received at the territorial post office.

Latest changes in pension legislation on indexation

Initially, it was established that social and pension payments to the Pension Fund should increase every year due to a decrease in purchasing power caused by an increase in inflation. The indexation procedure is established depending on the payment:

1.02 - insurance pensions are increased by the inflation rate for the previous year.
1.04 - social pensions increase. Indexation depends on the rate of increase in the cost of living over the past year.

Indexation in 2016 was carried out by only 4%, with the inflation rate for 2015 being 12.9%. However, at the end of 2016, the Government promised to restore the procedure for increasing payments. To implement the promise, the necessary funds were included in the draft budget.

Increase in old age pension

The labor (insurance) part of the payment is increased by indexing the cost of one pension point and a fixed payment. As of 02/01/2016, the indicators were as follows:

Pension coefficient - 74.27 rubles.
Fixed payment - 4558.93.

According to forecasts by the Ministry of Economic Development and the Ministry of Finance, the inflation rate was expected to be 5.8%. In this case, the indexation value of the IPC should be 1.058. But, according to published data from the Federal State Statistics Service, the price index for 2016 was 5.4%.

Taking into account the indicators, he stated that the pension point would be 1.054, the cost of the IPC would be 78.28 rubles, and the fixed payment would be 4805.11 rubles.

The law on the PFR budget noted, however, that as of April 1, 2017, the cost of a point will be 78.58 rubles. Accordingly, a second indexation of pensions is necessary. Combined, the overall increase should be 5.8%. From April 1, as a result, the insurance pension was additionally increased by 0.38%. The size of the fixed payment remained the same - 4805.11 rubles.

Changes in military pension legislation

News from the State Duma does not inspire much hope for increasing pensions for citizens who have completed their service. It is worth saying that the increase in security for these individuals has not been carried out properly for quite some time.

The pension increase occurs due to an increase in salary, a reduction factor and indexation of the insurance part to last year’s inflation. This procedure applies to pensioners of the Ministry of Internal Affairs, the Ministry of Emergency Situations, the Federal Penitentiary Service and a number of other departments.

Article 43 of Federal Law No. 4468-1 provides for DD (monetary allowance) in the amount of 54%. It is used when calculating pensions and each code must increase by several percent until reaching 100%. It was assumed that this value would be established in 2035. Over the past 2 years, therefore, this coefficient was equal to:

From January 1 2015 - 62.12%.
From 1 Oct. 2015 - 66.78%.
From February 1, 2016 - 69.45%.

However, according to Anton Siluanov, the federal budget may not withstand such an increase, therefore, the issue of indexation must be resolved carefully. Nevertheless, in 2017, military pensions were still increased due to the coefficient, which reached 72.23%.