Insurance pension in 2021: procedure for receiving payment

The main purpose of the social pension is to provide material support to the most vulnerable members of society: children, disabled people and elderly citizens. Moreover, this type of security applies to those people who, for some reason, were unable to accumulate enough experience to qualify for an insurance pension. Read our article about what the social pension will be in 2021 for different types of recipients.

The pension system of the Russian Federation has been undergoing changes over the past few years. The amendments being made are aimed at improving the material security of pensioners. Against the backdrop of economic instability, the topic of increasing pension payments is always in the spotlight.

What is an insurance pension

The reform of pension benefits in the Russian Federation began 15 years ago, in 2002. It was established that the previous payment system was canceled and pension subsidies issued to citizens consist of two parts - insurance and funded. The funded system involved a citizen making monthly contributions to form a substantial amount upon reaching a specified age, which could be disposed of. Since 2014, this part of the contributions has been frozen.

The main factor determining the future amount of deductions was insurance compensation. The name says that this is a unique type of insurance awarded to a citizen upon loss of legal capacity, compensating for previous earnings. The size of the old-age insurance pension depends on several factors - the official amount of income, established length of service, reasons for assigning benefits.

Differences from labor pension

Until 2015, insurance and labor pensions were synonymous concepts. The principles for issuing labor benefits extended to the conditions for assigning an old-age and disability insurance pension. The adopted Federal Law on Insurance Pensions changes the basis - the main factor influencing the amount of payments becomes the length of service, and not the amount of contributions paid, as was previously the case. Without this indicator, recalculation of insurance pension supplements is not made. The insurance period is the time a citizen works, which is confirmed by payments made by the employer to the Pension Fund.

Who receives an insurance pension?

Unemployed recipients of subsidies are entitled to funds from the state budget under the following circumstances:

1. Working experience more than 8 years in 2021, 9 years in 2021
2. The age limit is 55 years for women and 60 years for men.
3. The size of the individual coefficient, which cannot be less than 11.4 in 2021, 13.8 in 2021.
4. Insurance of a citizen applying for additional payments must be carried out in accordance with the standards established by law, and he himself must be a citizen and resident of the Russian Federation.

Increasing (premium) coefficients

A citizen who applies for financial assistance later than the due date, suspends payments or postpones their resumption, is entitled to bonus coefficients, which give the right to earn significant benefits. The calculation of the pension in 2021, taking into account the bonus coefficient, is based on the number of full months that have elapsed from the moment the right to insurance payment arose. If you apply 5 years after reaching the legal age, the amount of the IPC will increase by 45%, after 10 years - by 2.32 times.

Legal regulation

The main regulatory document is Federal Law No. 400 of December 28, 2013, which defines the types of benefits, calculation of length of service, and requirements for the individual indexation coefficient. From 01/01/2018 The procedure and method for calculating pension subsidies for working pensioners who have decided to retire will change. State benefits were not subject to indexation while the citizen was working. After the dismissal of a pensioner, the resumption of indexation began in the third month. From January 2021, the increase will affect the first pension payment due to a pensioner.

Types of insurance pensions in 2021

The legislation provides for three types of insurance pension subsidies at the beginning of 2021:

• Issued upon reaching a certain age, or old age. The person’s age, duration of work, work in hazardous industries, region of residence, and social status are taken into account. Some categories may earn early insurance benefits.
• Appointed if a Russian has 1, 2 or 3 disability groups. The duration of work and the amount of insurance contributions do not affect the amount of pension subsidies.
• Paid to citizens upon loss of a breadwinner. Assigned to family members of a deceased person who was the only source of family well-being.

Formation order

The insurance pension in 2021 consists of a calculated amount and a fixed additional payment, the amount of which is regulated by federal laws. The accounting department of the enterprise makes mandatory deductions from the official salaries of employees every month. 22% of them are mandatory contributions to the Pension Fund. The money received by the fund is divided as follows: 6% goes to provide a solidarity tariff intended for fixed payments, 16% forms an individual coefficient (IPC), taken into account when calculating the amount of benefits. This indicator depends on:

• the total amount of contributions paid at the Russian citizen’s place of work;
• length of service, including insurance and non-insurance periods.

Insurance (individual) tariff

The legal basis of the legislation states that the individual tariff is formed by two-level deductions - for insurance and savings payments. The citizen himself chooses which option to prefer. If funded contributions are chosen, then 16% of the employer’s contributions are divided into two unequal parts - 6% goes to savings, 10% goes to insurance premiums. If the savings option does not suit the future pensioner, then all 16% goes to the insurance part, forming the tariff.

All payments go to the person’s personal account, recorded in SNILS, and “settle” there as pension points taken into account in the future calculation of pensions. The cost of 1 pension point in 2021 is 78.58 rubles, in 2021 – 80 rubles. The state carries out annual indexation events so that the rising level of forecast inflation does not depreciate the value of points.

Cumulative part of pension

Since 2014, the procedure for calculating subsidies has changed. To reduce the budget deficit, the funded part has been frozen. Citizens are afraid, thinking that the state is taking away their legitimate savings. This is the wrong approach - just for the period 2014-2018. all 22% of contributions paid to the Pension Fund by the enterprise go to the insurance part, regardless of the previous wishes of the citizen. The employee's contributions are accumulated, but in a different “piggy bank”. Contributions made in previous years are saved and can be transferred from a state fund to a non-state fund, and vice versa.

Solidarity tariff

6% of the paid contributions going to the solidarity tariff are spent on the purposes established by the regulations. These include:

• formation of a fixed supplement to insurance benefits;
• payments to ensure payment for the funeral of uninsured pensioners;
• other purposes provided for by law, not related to the accumulation of pension contributions.

What is an IPC for calculating pensions?

The individual pension coefficient (IPC) is the value on which the calculation of the individual pension in 2021 depends, determined by the number of points accumulated by the employee during the period of employment. The IPC value is calculated for each calendar year. The formula is written as follows: IPC (g.) = SV (g.)/NSV (g.)x10, where:

• IPC (year) – annual IPC;
• SV (g.) – amount of insurance premiums;
• NSV (city) - 16% of the maximum taxable base (MVB), the size of which is established annually by the government (in 2021 - 1021 thousand rubles).

Insurance old-age pension in 2021

To orient yourself in the principles of calculating the amount of benefits, you need to know the parameters that affect the calculation. The table below shows the conditions taken into account in the calculations:

Conditions of appointment

People who meet the following conditions can apply for state pension benefits:

• men over 60 years old and women over 55 years old;
• having a working experience that takes into account contributions to the Pension Fund for 9 years (2018);
• having the required number of points, taking into account the individual coefficient, on their personal account - 8.7 or 5.43 (2018).

Who has the right to early assignment of an old-age insurance pension?

There are categories of non-working recipients of subsidies who are granted well-deserved rest ahead of schedule, before they reach the age required for the calculation of insurance compensation. Benefits are available to the following persons:

• those who have worked a certain number of years in harmful, dangerous production associated with difficult working conditions that can harm human health;
• whose region of residence or work is the Far North or areas equivalent in severity of living conditions to it;
• military pensioners, or other Russians with a special social status.

Pension calculation formula

The social strategy of providing financial assistance to people in difficult life situations in the Russian Federation has undergone a change - the funded component is subject to a moratorium, presumably until 2021. Welfare benefits are formed for each citizen individually, based on work activity, paid from the Pension Fund of Russia and calculated according to a new formula.

Insurance part

The new formula for calculating the old-age insurance pension (SP) is written as follows: SP = IPC x SIPC x K + FV x K, where:

• SP – size of SP in old age;
• IPC – the amount of IPC accumulated at the time of calculation;
• SIPC – cost of IPK;
• K – bonus coefficients (fixed payments and points imply different values);
• FV – fixed payment.

Cumulative

Article 7 of Federal Law No. 424-FZ dated December 28, 2013 regulates the formula for calculating funded benefits, which is as follows: NP = PN/T, where:

• NP – size of NP;
• PN – the sum of all pension savings in a special part of the personal account of the insured person;
• T – the estimated period during which financial assistance will be paid, equal to 2021,246 months.

How is a disability pension calculated?

A person who has lost his full or partial ability to work is supported by the state through social programs and benefits. In order to receive financial assistance due to the onset of disability, you must have a VTEK certificate approving the appointment of disability groups 1, 2, 3. The reason for a person’s disability and the length of his previous work experience do not affect the assignment of an insurance pension - you can have 1 day of work in production.

If a child or a person who has not worked for a single day was injured, then the amounts of contributions to citizens who did not participate in the pension insurance procedure are paid from social benefits. The duration of payments correlates with the duration of disability, or continues until the citizen reaches the age of 55 (60) years if there are indicators of length of service, 60 (65) years if there is no required level of experience.

How to calculate your pension yourself

Any online counter will help you do the calculation, but you can calculate it yourself. When making calculations, it should be borne in mind that the results will be purely conditional. You can find out exactly your pension only at the place of registration of the citizen with the help of a Pension Fund employee.

Where can I find out the amount of accumulated points?

You can find out exactly the number of points accumulated in two ways: remotely and through the Pension Fund of Russia branch. If you are registered on the government services website, you should order an electronic statement of the number of accumulated points there, and receiving the statement will take a few minutes. If online registration is not available, the pensioner should contact the Pension Fund branch of their region with an application to receive an extract from their personal account.

The cost of the individual pension coefficient in 2018

On January 1, an increase in insurance pension benefits was made by 3.7%. The cost of one IPC point is determined by the Government of the Russian Federation annually and from January 1 is 81.49 rubles. The previous cost of the IPC, provided for in the draft PFR budget for 2021 and supposedly amounting to 81.96 rubles, has been abolished.

Fixed payment amount

The size of the fixed payment is determined at the expense of the joint rate of insurance premiums, amounting to 6% of the 22% paid in accordance with Art. 3 of the Federal Law “On Compulsory Pension Insurance in the Russian Federation” and state budget funds and after indexation from January 1 is 4982.90 rubles.

Pension insurance payments for the loss of a survivor

To support a family that has lost support due to the death of its supporter, social assistance is provided to the relatives of the deceased. You can apply for an appointment to the following authorities:

• the Pension Fund branch closest to your place of residence or registration;
• MFC, when providing such services by local employees;
• official website of the Pension Fund of Russia, with filing an application online.

Citizens applying for benefits can send a package of documentation by registered mail to the regional or federal branch of the Pension Fund if personal presence is not possible. If the papers are collected correctly, then Pension Fund employees consider the application for 10 working days, then notifying the applicant of a positive or negative decision. If the necessary papers are missing, the application is returned to the applicant indicating the reasons for the refusal.

Conditions of receipt

Registration of assistance provides that the breadwinner has died or gone missing. The conditions for assigning a pension benefit are that the deceased has at least one day of work, and that his death or disappearance did not occur as a result of criminal actions on the part of relatives applying for payment.

Persons entitled to an insurance pension

Social benefits for the loss of a breadwinner provide for certain categories of people who are entitled to money. These include:

• the second spouse, father, mother, grandmother, grandfather of the deceased, who are not working and caring for the children of the deceased, sisters, brothers, grandchildren, until the latter reaches the age of 14;
• minor children, grandchildren, sisters, brothers studying full-time until they reach 23 years of age, or children who have become disabled by the time they reach adulthood;
• spouse, mother, father of the deceased who are recipients of an old-age or disability pension.

Calculation of pensions from January 1, 2021 for military personnel and persons equivalent to them

The amount of payments to military personnel depends on the amount of cash allowance (SDS). The size of welfare benefits can be influenced by: bonus for length of service, indexation and monthly increase. In addition to the SSD, when calculating the minimum amounts of military benefits, the concept of estimated size (RR) can be used. Welfare committed by the Ministry of Defense or other law enforcement agencies are subject to calculation based on the values ​​of the SDD and RR.

Types of military pension

Each type of military pension welfare provider has its own conditions of appointment. The calculation of pensions in 2021 for military personnel and persons equivalent to them, and the calculation are regulated by the Law of the Russian Federation of February 12, 1993 No. 4468-1. The Pension Fund of the Russian Federation is responsible for implementing welfare benefits for military personnel; pensions are calculated directly by the Ministry of Defense of the Russian Federation. The legislation of the Russian Federation provides for three types of welfare providers:

• for length of service;
• in case of loss of a breadwinner;
• on disability.

Length of service is taken into account when calculating military welfare benefits and is formed for the convenience of differentiating benefits:

• the serviceman's service must be more than 20 years;
• the combined work experience (military and civil services) must be 25 years or more, and military service out of these 25 years must be at least 12.5 years.

Calculation formula for military personnel

When calculating military financial assistance benefits, a reduction factor is used; the growth of its indicator by 2021 has increased and amounts to 72.23%. Calculation of pensions in 2021 for military personnel and persons equivalent to them can be calculated using the following formula: VP = SDD x NVL x T x PC, where:

• VP – final size of the welfare;
• SDD – amount of monetary allowance;
• NVL – long service bonus;
• T – percentage of salary depending on length of service;
• PC – reduction factor.

Calculation of the insurance part of the pension

The formula used in the final calculation of insurance premiums is simple. It consists of three indicators:

RP = IPK x SPK, where:

• RP – final amount of compensation;
• IPC - individual pensioner coefficient;
• SPK is the price of this coefficient at the time of assignment of pension payments.

A pensioner may decide that there are no difficulties, however, the multipliers of the formula - IPC and SPK - depend on several factors, the IPC is calculated individually, being directly dependent on the size of contributions to the individual account, and the number of years worked. The SPK changes every year, depending on the level of inflation and changes in the legislative framework, so a specific calculation is difficult for an unprepared person.

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The value of the IPK in 2021

The factor determining the final amount of compensation is the IPC. The calculation of the coefficient is complex; the formula takes into account data on monthly income before and after 2015, allowing citizens to retain their rights under previously adopted laws establishing pension supplements. The general formula looks like this:

IPC = KSP x (IPK₁ + IPC₂), where:

• KSP is an incentive increasing indicator used to calculate pension benefits for people who retire later than the established deadlines. When going on vacation with a year delay, the total IPC increases by 7%, with an eight-year delay - by 90%.
• IPC₁ is an individual coefficient applied until January 1, 2015.
• IPC₂ is an individual indicator used after January 1, 2015.

Fixed payment

As an analogue of the basic benefit, a fixed payment to the insurance pension in 2021 is assigned simultaneously with it. The amount of the surcharge is determined by the state, amounting to 4823 rubles 37 kopecks in 2021. Federal legislation establishes:

• Persons who have reached the age of 80, orphans, people with dependents, as well as those who have lived in the Far North for 15-20 years, and in rural areas for 30 years, may qualify for an increased amount of additional payment.
• For disabled people of group 3 and those applying for benefits for the loss of a breadwinner, 50% of the fixed benefit is established.
• If a person has the right to receive compensation upon reaching age, but refuses it, then it is indexed by an increasing factor.
• The surcharge is subject to annual indexation and may increase as PFR reserves increase.

What additional payments are possible?

The additional payment to the basic amount of the social pension depends on several factors:

• the total cost of living in the country and separately in the region;
• place of residence of the pensioner and duration;
• total amount of material support.

According to Bill No. 178-FZ “On Social Assistance”, if the amount of the social pension is below the established subsistence level, then the person has the right to an additional payment.

According to the innovations, in 2021 the Russian government approved the average subsistence level of 8,726 rubles. Consequently, the social pension will also increase, its amount will reach approximately this level.

These changes will apply to approximately 11 million citizens of the Russian Federation. This will make people feel more financially confident.

Increase in pension payments in 2021

The basic amount of benefits depends on the SPC indicator, determined by the value of pension points. The growth of the indicator depends on the annual indexation of the price of points. If on January 1, 2018, the value of a point was considered equal to 78.58 rubles, then, according to the PF explanatory documents that appeared in the media, from 01/01/2018. the point price will increase, reaching 81.57 rubles, which means indexation of the SPK by 3.8%. Knowing the number of points in the account, using this indicator, you can independently calculate the amount of insurance pension payments due.

Minimum pension for non-working pensioners

The lower limit of pension payments is tied to the minimum subsistence level (PLS) established in a specific subject of the federation, depending on the consumer price index and inflation indicators. This means that if, during the calculation, it turns out that the amount of the insurance supplement is less than the PMP established for a given period of time, the pensioner is entitled to an addition up to this figure. The insurance pension in 2021 for non-working pensioners cannot be lower than the PMP.

Will there be indexation for working pensioners?

Citizens who prefer to continue working, regardless of the pension they receive, do not enjoy the right to index pension payments. This privilege becomes available to workers if they choose to quit and retire to a well-deserved retirement. Starting from the next month after dismissal, the pensioner’s insurance contributions for the planning period are indexed.

Indexation of pension payments from January 2018

On January 1, insurance payments to unemployed citizens were indexed, the amount of payments increased by 3.7% (0.5% above the level of expected inflation). Due to the budget deficit, payments to working citizens are not subject to indexation. A pensioner can count on annual indexation only after official dismissal with retirement.

Table of changes in security amounts - calculation of social pension in 2018 according to indexation from April 1.

How the insurance part of the labor pension will change in Moscow in 2018

According to statements by the capital city government, benefits will be indexed for Muscovite pensioners starting in January 2021. The minimum amount of insurance contributions will increase, as the PMP in Moscow will increase, amounting to 11,816 rubles. This will be the lower limit of the amount of assistance to Muscovites living in the capital for less than 10 years. Old residents of Moscow who have information about living in the city for more than 10 years will receive an additional payment up to the social standard, which in 2021 is 17,500 rubles.

In addition, the mayor's office decided to index the pensions received by beneficiaries twice. This category of citizens includes labor veterans, home front workers, and rehabilitated persons. WWII veterans and persons involved in the defense of Moscow will receive one-time additional payments of 10,000 rubles in 2021. The average pension increase in subsidies will be 366 rubles.

Rules for registration and appointment

There is no automatic calculation; a person must independently collect a package of documents and contact the Pension Fund branch at the place of residence, or entrust the accounting department of the enterprise with the collection and transfer of the required papers. A Russian can receive insurance compensation personally or through a person who has issued a power of attorney for such actions. The parent or guardian receives pensions for disabled children. After the age of 14, a teenager can independently withdraw the allocated funds.

Where to contact

To apply for state pension compensation, a citizen can contact the following organizations:

• to the enterprise where he constantly works;
• to the local branch of the Pension Fund by sending an application with a package of documents by mail or appearing in person at the office;
• in the MFC, when providing services for registration of pension contributions;
• by leaving an application on the official page of the Pension Fund of Russia, submitting an application remotely.

What documents are needed

In order not to waste time, nerves, and quickly process the compensation due, you need to know the list of required documents that must be presented to assign insurance compensation. Prepare the following package of papers:

• application for the assignment of benefits by filling out the paper in the prescribed form;
• ID card (passport);
• SNILS;
• a certified extract or original work record book confirming the length of service;
• information about earnings for the last 60 months, up to 01/01/2002;
• other documents confirming contributions and years of service.

Appointment dates

According to established standards, pensions are considered assigned from the day an application is submitted to the Pension Fund. Changes in deadlines occur under the following circumstances:

• old-age benefits are assigned the next day after dismissal if the applicant submitted a request no later than 30 days;
• for disability - after the award of disability, if the Russian applied for a pension later than a year after the assignment of the group;
• for the loss of a breadwinner - the day after his death, if relatives applied for assistance no later than a year after the event.