Almost all citizens of our country regularly monitor the latest news related to pension accruals.
There are often reports in the media about raising the retirement age, canceling the indexation of payments, small bonuses and other important changes. But this information is often contradictory and raises even more questions.
The issue of payments is especially of interest to working pensioners. Government officials have repeatedly stated that the procedure for calculating pensions for this category of citizens will be changed. So what does 2019 have in store for retirees, let’s find out.
Will the pension of a working pensioner be indexed in 2019 if the person continues to work?
For those retirees who do not want to leave their place of work, a small increase is expected in August. However, in order to receive this increase in pension in August 2021, the person must be in the status of a working pensioner in 2018. It doesn't matter whether it's for the whole year or a few months.
The August increase in pension for working pensioners is due to them due to the fact that the employer continues to make due contributions to the Pension Fund for them. Due to these contributions, the number of pension points in the pensioner’s piggy bank increases. This means that once a year a person has the right to recalculate his pension.
The law provides for a limit on the number of pension points that a working pensioner can accumulate in a year. That's three points.
In practice, this means that the maximum increase in pension for working pensioners in August 2021 will be less than 300 rubles. This amount will be received by those who worked throughout 2018, already being of retirement age. It is important that the salary is quite good. If a pensioner’s salary is low or he did not work as a pensioner for the whole of 2021, the additional payment will be much lower.
The amount of the pension increase in August 2021 is individual for each pensioner. But it is clear that we are talking about rather small money in any case.
Rural non-working pensioners will receive a noticeable increase in pensions from 2019
From January 1, 2021, a noticeable increase in pensions for rural residents is planned: insurance pensions will increase by 7.05%, fixed pensions will increase by 25%. At the same time, only those citizens who have worked for at least 30 years in agriculture in a certain profession and now live in a village will receive an addition to their pension in the amount of 25%. A specific profession means:
agrochemist, agronomist, agricultural technician; director, chairman, head of the farm; mechanic for repairing machinery and agricultural machinery; paramedic, orderly, veterinarian; livestock specialist
The fixed payment for disabled people of groups I and II, as well as recipients of old-age pensions, will increase to 1,333.55 rubles, for disabled people of group III – to 666.77 rubles.
Indexation of pension for a working pensioner in 2021 upon dismissal
The law that exists today says that a working pensioner receives the right to “unfreeze” his pension immediately after leaving work.
Despite the fact that the annual indexation of payments passes by a working pensioner, the Pension Fund remembers them. A person’s individual account in the pension system takes into account what his pension should be, taking into account all missed indexations.
When leaving a job, a person becomes entitled to receive the amount specified for him in the pension system. This right arises immediately, but indexation occurs several months later.
This delay is due to the peculiarities of employers’ reporting to the Pension Fund. Organizations submit a report on working pensioners once a month. Therefore, if a pensioner worked at least one day in April, he will appear in the May report as an employee of the company. Only in June does the Pension Fund become aware of the dismissal of the pensioner in this example. Therefore, not earlier than July, or even August, the pensioner begins to receive an increased pension. The new amount takes into account all the indexations that took place in Russia over the years that the person worked as a pensioner.
Until 2021, there was no compensation for the months that passed from the moment of dismissal to recalculation. Now, when a pensioner first receives an increased pension, he receives compensation for the previous months. Thus, the state ensures his right to receive an “unfrozen” pension from the moment he leaves work.
What to expect for working retirees
The main issue that interests working pensioners is the indexation of payments. Those who receive only a pension can expect the amount they receive to be transferred in accordance with the inflation rate. But this does not apply to those who, after formal retirement, continue their working activities.
Back in 2021, the government decided to cancel indexation for working pensioners, citing the fact that such citizens receive additional funds in the form of salaries.
But many representatives of the social sector consider this decision discriminatory, since Russians often continue to work not only because of the desire to be active, but also because of the inability to feed their family only on pension.
But the authorities reassure that pensioners will be credited with the lost funds immediately after they give up work. For example, if during the time a person worked, his pension was to be indexed by 15%, then he will receive this bonus after dismissal. Funds will be credited in a month.
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At the same time, working pensioners are promised an increase in the amount of payments, although it will be very insignificant. Thus, the amount of the increase will be about 245 rubles, which is unlikely to significantly affect the financial condition of senior citizens.
Judging by the latest statements by government officials, if indexation is returned, it will not be until 2021. This decision was dictated, first of all, by the desire to reduce budget expenditures. Now “freezing” payments allows saving up to 200 million rubles a year, which is quite significant for the state treasury.
How to find out what the pension of a working pensioner will be after dismissal - latest news from the Pension Fund of Russia
Representatives of the Russian Pension Fund explained the day before how a working pensioner can navigate the amount of his future payment. While continuing to work, any pensioner can find out what his pension will be if he leaves work.
There are two ways to do this:
- personal account on the Pension Fund website - if a pensioner has the opportunity to access the Internet and is registered on the State Services portal, he can check the amount of his pension after dismissal online,
- personal application to the Pension Fund branch - if there is no opportunity or desire to use the Internet, you can ask for the exact amount of the pension, taking into account missed indexations at the Pension Fund branch.
Since the information is already contained in the individual account, it can be obtained instantly. Special calculations are not needed for this.
It is important to understand that if a pensioner quits, starts receiving an increased pension, and then gets a job again, the increase will not be taken away from him. He will continue to receive an increased pension. True, now the new amount will be frozen until the next dismissal.
Pension indexation schedule
It is worth recalling that pension recalculation occurred once a year - in February. The increase in pension payments took place in April. According to the new resolution, the procedure for increasing benefits will be as follows:
the pension amount will be increased once a year; The pension recalculation date will be January 1.
This schedule was approved by the authorities for 6 years in advance. Thus, the first indexation of pensions will take place in January 2021. It turns out that pensioners will receive an increase a month earlier than usual.
The increase in pension payments from February 1 was justified by the fact that the Federal State Statistics Service publishes information on price increases for the previous month only at the beginning of the next month.
As for the annual inflation rate, it is known already in the last days of December, and in the first days of January it is only being clarified. Based on the experience of past years, December and January data completely coincide. Therefore, it is quite acceptable to index pensions at the beginning of each financial year, that is, from January 1. Based on materials from: info-vsem
Latest information on pension increases in 2021 in Russia for those who are already retired
For persons who are already supported by the state, no significant changes are coming. Everything remains the same. Only for the unemployed will the amount of payment increase.
According to information taken from the table “Average pension amounts”, in December 2021 the amount of payment for an unemployed pensioner will be almost 15,500 thousand rubles, while at the end of 2018, the amount is listed at 14,500 thousand. Such an increase will be possible due to the reforms carried out in this area.
For a citizen who, in parallel with receiving payments from the state, continues to earn money, pension payments remain at the same level. As was said above, the state considers it important to take primary care of those who live on payments alone.
Such a decision could provoke the departure of workers into the informal sector. Citizens have less motivation to work officially. And the decision to quit and continue working without drawing up a contract, while receiving an indexed pension, can become common among older people.
Pension increase by 1000 rubles per month
On October 3, 2021, President V. Putin signed a law proposing an increase in the retirement age to 65 years for men and 60 years for women. All savings as a result of the reform are planned to be used to increase pension payments to current and future pensioners.
- The Government reports that as a result of this, the average pension in the Russian Federation will increase by 1,000 rubles, which means that Russian pensioners on average will receive an increase of 12,000 rubles. in a year . This increase is planned to be made as a result of indexation by 7.05%.
- As a result of the indexation of payments to pensioners by 7.05%, the average size of the insurance pension in Russia in 2021 after such an increase will be 15,430 rubles. (in 2021, the average size in the Russian Federation is 14,414 rubles)
It is worth noting that the Ministry of Economic Development forecasts inflation by the end of 2021 at 2.9-3.1%. This means that according to the traditional procedure, insurance pensions from February 1, 2021 should in any case be indexed by 2.9-3.1% , as a result of which its average size would be 14832-14861 rubles.
However, the head of the Ministry of Finance Anton Siluanov does not rule out that due to the increase in VAT, the inflation rate in 2021 could reach 4.5%. Then the real increase from January 1 in 2021 for non-working pensioners may be only 2.4% (this is an average of 360.35 rubles), and the rest of the amount will be used to compensate for rising prices (compensates for last year’s inflation).
Who is scheduled to receive a 1,000 ruble increase in their pension in 2021? per month?
Since the increase in the retirement age concerns, first of all, recipients of insurance (labor) pensions, the government-planned increase in pensions by 1 thousand rubles, taking into account the current restrictions, will apply to citizens who:
- are non-working pensioners (i.e. this increase will be provided for those who are already retired );
- receive an insurance pension - for old age, disability or loss of a breadwinner.
The Ministry of Labor notes that due to the increase in the retirement age according to the schedule provided for by the new law, pensioners will be able to count on an additional payment of an average of 1,000 rubles per month - i.e. a total of 12,000 rubles. for a full calendar year.
No increase as a result of indexation is planned for working pensioners in 2021. And for recipients of social pensions, the annual increase from April 1 is associated with a change in the cost of living and is not directly related to retirement age. Social pensions in 2021, according to preliminary estimates, will increase by 2.4%.
It should be noted that 1000 rubles is the average value of the planned increase. This means that 1,000 rubles per month will be received by those citizens whose pension amount is the average in Russia - 14,414 rubles . The actual size of the increase will depend on the specific amount paid to the retiree in 2021. Accordingly, the amount of the increase will be greater if the amount of the insurance pension is more than 14,414 rubles, and vice versa. https://pensiology.ru
