Recalculation of pension after dismissal in 2021

Will there be indexation of pensions after the dismissal of a working pensioner in 2021?

In 2021, a moratorium began to take effect, according to which pension benefits are paid to workers and pensioners receiving wages in a non-indexed amount.

This point is explained by the fact that people from this category of citizens already have an increased income, that is, they do not need state support.

If the pensioner resigns, then after about one and a half to two months (when the Pension Fund of the Russian Federation does not receive information from the employer regarding the resigned employee), a procedure will be initiated to change the amount of the paid benefit (taking into account indexation) for the person who left the workforce.

Important!
At the same time, the pensioner is not obliged to notify the Pension Fund of the Russian Federation in writing about going on vacation. This fact is determined automatically: through regular reporting provided by the accounting department to the Fund.

Will there be a recalculation of pensions for working pensioners after dismissal in 2021?

A person of “elegant” age who continues to work in 2021 (and, accordingly, receive a salary) is subject to the moratorium. That is, his accruals are not indexed. It would be more accurate to say that they are still indexed (and on the official website of the Pension Fund you can familiarize yourself with this information and see the specific amounts). But they are paid in an unindexed amount.

It turns out that if an old-age pensioner continues to work, he cannot count on a recalculation of his pension benefit. In case of dismissal, the indexation procedure will be initiated automatically.

However, it is worth knowing in advance that a person will not receive an increased pension (with compensation for all months that have passed since leaving work) immediately. You will have to wait about 3 months.

The procedure for recalculating pensions after dismissal in 2021

The procedure for calculating benefits after a pensioner leaves work duties takes place in several stages.

A pensioner submits a resignation letter. Moreover, in this case, a two-week work period is not required (as in situations with people who are not in pensioner status). In accordance with Art. 80 of the Labor Code of the Russian Federation, upon retirement, the employer “releases” the worker on the day specified by him in the application.
In the month following the person’s departure from work, the accounting department provides the Pension Fund with data for the month in which the employee was still working. Fund employees will see the name of the person who resigned in the lists, so for them he is still considered a worker.
After another month, the name of the retired pensioner will no longer appear in the lists submitted by the employer to the Pension Fund. That is, for the fund, a person becomes a non-working pensioner who is entitled to a recalculation.
The recalculation procedure itself lasts about a month. At this moment, the pension increases by all increasing factors (their product is multiplied by the amount of pension provision) that took place during the years of employment of the pensioner. Moreover, this increased pension is assigned “retroactively” - from the month following the month of leaving work. During the period while the pensioner was waiting for recalculation (usually about 3 months), he will receive the additional payment immediately (along with the first increased pension). However, compensation in the form of bonuses is not paid for the entire period of a person’s work after retirement. Only from the moment of dismissal.
In the month following the completion of the recalculation procedure, the person who left the job receives increased security and additional payment for the months of waiting.

What affects the amount of pension and the period of recalculation

In general, the insurance pension is calculated according to the following scheme:

StrPence = IPC*StPK + FixPayout , where

IPC – accumulated pension coefficients;

StPK – the cost of such a coefficient;

FixPayout – the amount of a fixed pension (the basic component of the pension benefit).

It turns out that the size of the benefit is affected by the following three indicators: the size of the basic payment, the number of pension points (depending on the length of service and the amount of labor remuneration) and the price of the pension point.

The cost of the point and the fixed payment are set “from above” and change periodically. For example, in 2021, a point costs 93 rubles, and the PV is 5,686.25 rubles.

Indexation procedure after dismissal

Before determining the indexation procedure among dismissed pensioners, it is worth determining who working pensioners are? Let's find out right now:

Citizens over 55 (women) and 60 years (men) who continue to work.
Persons carrying out entrepreneurial activities.
Lawyers, notaries.
Tutors (if the activity is officially registered).

By law, working citizens cannot qualify for the annual February recalculation of pension contributions (until 2019). But after the termination of labor activity, the Pension Fund (PFR) automatically recalculates pension payments for the entire period of work.

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In addition, points and pension coefficients are added to the pension account, the amount of which depends on the amount of insurance contributions. Thus, after dismissal, all increases, recalculations and missed indexations are taken into account.

Previously, a citizen had to visit the Pension Fund after dismissal to recalculate payments. In 2021, the employer independently submits a new reporting form for workers and dismissed pensioners. It is based on this information that the Pension Fund determines the status of the current pensioner (working or unemployed). Consequently, a citizen does not need to visit the Pension Fund after dismissal.

If errors are detected in the provided reporting, recalculation is made with additional payments as for a non-working pensioner.

Recalculation of pension after dismissal in 2021 (timing)

To understand how long a quitter will have to wait for an increased pension, it’s worth once again going through the stages of the recalculation procedure itself. It is best to consider this process using a specific example. Let's assume that the date of dismissal of an employee of retirement age is 01/31/2021.

In this case, we are talking about the following deadlines:

Until February 15, 2021, the employer sends to the Pension Fund lists of employees for January, and during this month the pensioner was still working, so for the fund he is considered a worker and his pension, accordingly, is not yet subject to indexation;
After another month (until March 15, 2021), the employer’s accountant submits the next monthly report to the Pension Fund, and the name of the retired pensioner no longer appears in the lists (this means that the fund’s employees finally learn about the dismissal of a person of retirement age and initiate the procedure for calculating the “new” pension) ;
A month is allotted for the recalculation itself, that is, the updated amount will be calculated by April;
In May, a pensioner who resigned on January 31, 2021 will finally receive an increased pension with compensation for the three months that have passed since leaving work (February, March, April).

Moreover, if a person gets a job again after a month of rest (say, he stayed at home in February, and officially got a job again in March), the amount of his benefit will not decrease back.

Recalculation of pension if information about the pensioner has not been transferred to the Pension Fund

It happens that the Pension Fund does not have data on a person’s work for a certain period of time (or they are incorrect). Such errors can greatly affect the amount of your retirement benefit. In such situations, the pensioner has to take matters into his own hands - contact the employer for whom he worked at that time and receive an extract based on data from the archive (all documents related to wages are stored for a long time).

This certificate should be attached to the application sent to the Pension Fund in order to eliminate inaccuracies in the information.

Recalculation terms

After filing a report on the dismissal of a citizen of retirement age, recalculation is made within 3 months or more.

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Let's give a clear example.

The citizen retired in July 2021. The process will be as follows:

August – the Pension Fund receives information that the employee is still a worker.
September – the fund receives information that a working pensioner has stopped working.
October – Pension Fund employees decide to recalculate pension payments.
November – actual increase in pension contributions. In this case, the premium will be taken into account only from November. Consequently, the Pension Fund does not compensate the amount for the 3 months of waiting for recalculation.

How much will a working pensioner’s pension increase after dismissal (example)

After leaving work, the benefit increases by all the coefficients that were introduced since the start of the moratorium (2016). We are talking about the following numbers:

2016 – 4%;
2017 – 5,4%;
2018 – 3,7%;
2019 – 7,05%
2021 – 6,6%.

Moreover, the calculation is carried out by multiplying these quantities, rather than summing them. That is, the pension of a retiree retiring in 2021 will be increased by almost a third, which amounts to a significant amount per month (and even more so per year).

Let's look at a specific example.

Example. Petrenko E.G. resigns effective January 31, 2021. The amount of pension he receives at the time of dismissal is 8,700 rubles. Accordingly, after leaving his job duties, he can count on the following amount: 11,285 rubles (8,700 multiplied by the product of all increasing factors).

Every working pensioner can see the exact amount of security due to him after dismissal by ordering the corresponding statement on the Pension Fund website.

Pension indexation

Pensions for working pensioners will be indexed only after leaving work. Indexation is “frozen” for the period the pensioner works. The new amount will be issued from the moment of termination of the employment contract. No compensation will be paid for previous years of service.

How to deal with pension points? Each working pensioner’s personal account with the Pension Fund reflects their pension points. Their maximum number is 10.

An increase in points for a working pensioner occurs due to monthly contributions from the employer. If you refuse to receive a pension for some time, the number of points increases to the maximum value. The number of these points is taken into account when assigning a new pension.

Who should be classified as working pensioners:

All pensioners who work and for whom insurance premiums are paid by employers;
Elderly people registered with the Pension Fund as entrepreneurs, persons providing legal services, lawyers, notaries, etc.

New pension legislation is causing unrest in society. Numerous questions arise that no one is yet able to answer:

What about seasonal part-time jobs for retirees?
How to control self-declared income - royalties, patents?
What about retired entrepreneurs?

So far, these questions have received very contradictory answers.

How much will a working pensioner receive if he quits in 2021?

Several factors influence the amount of security for a retiring pensioner.

The length of time a person worked after reaching retirement age. If he has been a working pensioner since 2021, then increasing factors for 5 years will be applied to his pension benefit when leaving work in 2021. If a person became a pensioner only in 2021, then, accordingly, only the coefficients for 2021 and 2021 are applied to his pension.
The amount of the pension paid without taking into account indexation (depends, in turn, on the pension points accumulated by the person at the time of assignment of pensioner status). After all, it is this amount that is indexed, and it is to this amount that increasing coefficients are applied.

One thing is certain: the size of the pension benefit of a retiree who quits in 2021 will definitely increase slightly.

Indexation calculation

After dismissal, the amount of indexation and bonuses depends on the following indicators:

the amount of insurance contributions from the employer;
period of labor activity upon reaching retirement age;
pension points;
personal coefficient.

In addition to the main recalculation, working citizens of retirement age have the right to apply for indexation of pension payments in August of the current year. The recalculation is made by the Pension Fund of the Russian Federation at the expense of the employer's insurance contributions. This recalculation is of an undeclared nature.

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What is the best way for a working pensioner to quit in order to receive indexation in 2021?

The answer to this question depends on which month the employee plans to receive increased benefits.

When is it better to quit in order to get indexation from January 1, 2021

Increasing coefficients are used from the month following the month of leaving a job. Therefore, in order for benefits to be indexed from January 1, 2021, you must quit in December. Usually people, in order not to lose their salary (to receive it for a full month), quit on December 31st. It is this date that is most advantageous to indicate in a statement to a person of retirement age planning to resign. Then the size of his pension benefit will be indexed from January 1 of the next year.

When will the pension of a working pensioner be recalculated?

It was already mentioned above that calculating a pension is not a one-time affair. If a person quits on December 31, 2021, information about his leaving his job duties will reach the Pension Fund only in February. Then another month is given for the recalculation procedure itself, that is, the amount will be recalculated by March. Accordingly, a retired pensioner will receive an increased pension only in April. With compensation for three months of waiting - January, February, March.

Indexation of pensions for working pensioners in 2021 (latest news)

In 2021, there will be no indexation of pensions for working pensioners . The moratorium on such increases has been in effect since 2021, and there are no plans to lift it. This means that citizens who continue to work will not be able to receive the promised increase of 1,000 rubles from January 1, 2021.

The Government believes that this approach is fair, because in addition to pension benefits, these citizens receive monthly wages. According to Rosstat, recently there has been a stable and significant increase in wages in the Russian Federation. Therefore, the Government believes that the abolition of indexation for working pensioners does not in any way affect their financial situation . In addition, the Cabinet of Ministers notes that wages in Russia are growing at a higher rate than pension payments are indexed.

As Deputy Prime Minister T. Golikova reported, in the first 7 months of 2021 alone, real wages in the Russian Federation increased by 8.8% . According to the forecast of the Ministry of Economic Development, growth for 2018 as a whole will be about 6.9%. In 2021, this figure will be 1.4%, in 2020 it will be increased to 1.9%, and in 2021 - to 2.5%.

In addition, A. Siluanov, Minister of Finance, stated that they would not cancel the existing procedure in relation to pensioners who continue to work. All missed indexations will be taken into account after dismissal, so it is not advisable to adjust the existing procedure.

Thus, the indexation of insurance payments by 7.05% in 2021 will not affect working recipients of pension payments . Their pension will increase only in August , when the Pension Fund of the Russian Federation conducts an undeclared recalculation and assigns them an additional payment for contributions paid during their work.

How to find out the size of your pension after dismissal through the Pension Fund website

Above we looked at an example in which the amount of the pension benefit after dismissal was calculated based on increasing coefficients and the basic pension amount. However, today there is no need to bother with calculations. After all, every working pensioner can find out the following through an account statement, which can be ordered in the Personal Account on the Pension Fund website:

The amount of pension paid to him as a working pensioner during the moratorium period;
The amount of pension he would receive if he did not work.

That is, pensions for both working and non-working pensioners are indexed equally. However, employed citizens, unlike their “colleagues” who have retired, receive benefits without taking into account increasing factors.

To order such a certificate you need to do the following:

Log in to your Personal Account on the fund’s website;
Find the section “Citizens”;
Select the “Pensions” section;
“Click” on the inscription: “Order a certificate (extract) on the amount of pension”;
A window will open in which you need to select the “Request” option.

The result will be a certificate containing the necessary information. It will be available in the “Message History” section.

Pension indexation period after dismissal

As you can already understand from our article, many older people continue their working activities after they are officially allowed to retire. It is important to know here that a working pensioner’s pension increases due to insurance contributions paid by the employer to the Pension Fund.

And for a non-working person, the amount of pension payments increases at the expense of the state, which carries out indexation 1 or 2 times a year. And these increases in the amount of payments for a working and non-working pensioner are in no way connected with each other and do not intersect.

It follows that when a working elderly person resigns, his pension payments will be indexed by the state to the level of official annual inflation, thereby increasing the amount of payments again.

Elena Smirnova

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The official time frame for pension indexation in the Pension Fund is 3 or 4 months from the date of dismissal.

Is it possible to quit for indexation and get a job again?

Many working pensioners would like to take advantage of the right to receive an increased pension. However, you don’t really want to lose your main income either. In this regard, a very popular question is whether it is possible to find a job immediately after the Pension Fund has recalculated the pension.

Yes, pensioners have such an opportunity. If, after indexation of security, a person enters into an employment contract again, the amount of the benefit remains increased. However, next year (at the time of the next indexation), provided the person maintains his place of work, the benefit will remain unchanged (will not increase).

How many months after dismissal can a pensioner get a job again?

After leaving his previous place of work, in order to qualify for increased benefits, the pensioner must remain unemployed for at least a month. This is necessary so that the Pension Fund does not receive information from the employer about him. After all, only in this case the procedure for recalculating the pension benefit is initiated.

If a pensioner becomes an employee of any organization in the next month after his dismissal (even if he quit on March 1 and got a job on April 30, that is, almost a month has passed), then the new employer will already list him in the Pension Fund. Accordingly, there will be no break in service and the Fund will not index the pension.