How to calculate survivor's pension calculator

The cost of a pension point for working pensioners in 2021

Influencing factors

After the reform, the IPC - Individual Pension Coefficient - was added to the influencing factors for calculating pensions.
It is quite simple to calculate it by entering your salary before deduction of personal income tax into the form on the website. In another way, IPCs are called pension points. They affect old-age insurance benefits, which are calculated by multiplying points by the price of one point in a given year and summing these values. Conditions for receiving old age benefits:

Availability of retirement age: from 55 years old for women and from 60 years old for men.
A certain number of years of experience in paying insurance premiums. From 2024 this figure will reach 15 years.
Minimum number of pension points: 30.

Important: the number of points per year is limited. In 2021 it is 8.7, and in 2021 it is 10 for citizens who do not have pension savings. Otherwise, other figures appear: up to 6.25% in 2021.

It is worth remembering: the state regularly indexes the insurance pension, while the funded pension is in a non-state pension fund or management company, depending on the citizen’s wishes, and is not subject to indexation. Verified funds invest these funds in financially profitable projects, increasing the client’s income. If the programs turn out to be failures, then the client can only hope for the amount that he had already contributed earlier.

About 10 million citizens are working pensioners, and in 2019 the Government may leave this category without pensions. These include persons receiving wages and making contributions to the fund, as well as self-employed people. Pension payments have increased by 3.7% since the beginning of 2021. Accrual of points for work experience is possible in an amount of no more than 3 and in total it is 244.47 rubles.

The PFR pension calculator allows you to calculate your future pension online and form your opinion on how to ensure your old age with dignity. It is not suitable for military personnel and law enforcement officers who do not have employment experience in civilian areas.

All calculations are approximate, the exact figure will be obtained after applying for cash benefits, when all pension rights and benefits will be calculated in each case. To simplify the calculations, some factors are assumed to be constant, taking into account that the person retiring will receive it in the current year.

Persons who worked in the Far North, caring for certain categories of citizens, have the right to increased coefficients for calculating benefits.

Self-employed citizens must annually transfer 1% of the amount of at least 300,000 rubles to compulsory pension insurance.

A small questionnaire is presented on the official website of the Pension Fund. You must specify:

floor;
year of birth;
number of years of conscription service;
number of planned children;
duration of care for certain categories of citizens;
the period after reaching retirement age during which a person refuses to pay cash benefits;
official salary;
type of work: self-employed or hired worker;
seniority.

After entering all the data, you need to click the “Calculate” button.

On the page with the calculator there is also a column where you can calculate the number of pension points that can be received in 2019, taking into account wages before deduction of personal income tax (NDFL).

Let's sum it up

The main task of the online calculator from the Pension Fund for calculating pensions is to inform the population about the criteria that influence the provision of old age, and to motivate them to increase their readings by increasing social and labor activity. The flat salary, regular contributions, insurance period and retirement age determine its size.

It is quite difficult to manually calculate all the benefits and entitlements over a lifetime. Special algorithms will do this on their own, taking into account various criteria, but their numbers are not accurate due to some constant coefficients. It will be possible to find out the specific amounts after submitting an application for retirement, where Pension Fund specialists will calculate all the nuances in accordance with the law.

Useful video

Advantages and disadvantages of IPC

The new calculation principle is perceived ambiguously by both legislators and citizens. Let's look at the positive and negative aspects.

Advantages of the calculation system:

employees strive for longer service (retention of valuable personnel);
the cost of the IPC can be adjusted depending on the state of the country’s economy.

Disadvantages of the calculation system:

the actual impossibility of accumulating a sufficient number of points for a person with a low salary;
complex calculations are almost impossible to carry out independently.

Serviceman's survivor's pension

The concept of a pension implies a payment that is intended to compensate for lost income or livelihood. A similar situation of loss of funds occurs for a family upon the death of the breadwinner. If the deceased earned a labor pension, that is, was officially employed and made contributions to the insurance fund, then the family can apply for a pension.

The status of a missing person is established in accordance with Russian legislation in court.

Who does the law understand as disabled:

children under the age of majority or under 23 years of age when studying in full-time departments of educational institutions (including abroad);
other relatives (sisters, brothers, grandchildren) with similar age restrictions and if they do not have breadwinners or received a disability before reaching adulthood;
adult relatives (spouse, parents, grandparents, brother or sister, adult child) who cares for minor family members with a pension;
spouse, parents of retirement age (over 55 and 60 years old) or on disability;
grandparents of retirement age or on disability in the case when there are no other persons legally supporting them.

The conditions for assigning payments to the listed persons are put forward:

Dependency, which gives the right to this benefit, implies material assistance from the deceased, which was the only or main source of livelihood.
The benefit can be assigned to the spouse or parents of the deceased some time after death if they have lost their main income.
When individuals receive any other pension, they can switch to insurance benefits for the loss of a breadwinner.
For the spouse receiving this benefit, its receipt continues in the situation of a new marriage.
The law recognizes equal rights for parents and adoptive parents, adopted and natural children, therefore all of the above cases apply to this category.
If the stepmother or stepfather raised the deceased for at least 5 years or the children were raised by the deceased stepmother (stepfather), then the benefit is assigned.
There are no additional conditions for children.

The payment consists of:

The insurance part is calculated based on data on the pension points of the deceased.
Fixed - established by the state. In 2021 it is 2667.09 rubles. Indexed annually. A number of individuals are applying for an increase in the fixed part:

The law includes a number of features when calculating the amount of benefits:

For orphans, when calculating, an IPC is taken equal to the sum of the savings of both parents.
For children of a single mother, the IPC doubles.
Increasing coefficients are applied to the IPC when the deceased breadwinner did not apply for a pension when opening the right to it. This coefficient is the number of months that have elapsed since the opportunity to issue a payment, but not earlier than the beginning of 2015.

16-year-old Anya remains an orphan in 2021, as her mother, who raised her daughter alone, dies. Let us help the girl calculate her allowance.

(35 * 2) * 87.24 rubles = 6106.8 rubles.

The fixed portion for orphans doubles and amounts to 5,334.19 rubles. The total amount of pension provision is 11,440.99 rubles. The girl will receive this benefit until she reaches adulthood or until she is 23 years old if she enrolls in a university as a full-time student.

You are allowed to write an application for this type of pension at any time, subject to certain nuances:

if the payment is made within a year after the death of the breadwinner, then the appointment will follow from the date of death;
if the application is submitted after a year, the payment will also begin from the moment of death.

Registration is carried out at the Pension Fund or MFC.

The pension is state and is paid to families:

military personnel serving on conscription as soldiers, sailors, sergeants and foremen;

families whose breadwinner suffered as a result of a radiation or man-made disaster;
families of astronauts.

Different payments are established for different categories of breadwinners.

The state pension is paid to the dependents of a deceased serviceman if he died:

during the period of military service upon conscription as a soldier, sailor, sergeant or sergeant major;
no later than three months after dismissal from service;
at any time after dismissal due to injuries received in service: wounds, concussion, injury, or other disease.

Who gets paid

A pension for the loss of a military personnel is paid to citizens who are disabled.

A child, brother, sister, grandson of a deceased serviceman is considered disabled:

until they turn 18 years old;
until they turn 23 if they are a full-time student at an educational institution;
all their lives, as long as they have the “disabled” category, and they received it before the age of 18.

The brother, sister and grandson of a deceased serviceman will be paid a pension if they do not have able-bodied parents who are legally obligated to support them.

The parents of a serviceman are considered disabled if:

have reached the ages of 55 and 60 years (women and men, respectively), and the death of their child occurred during conscription service or after, but due to a military injury;
have reached 60 and 65 years of age (women and men, respectively), and the death of the child occurred within three months after conscription service and is not related to military trauma;
are disabled.

The following spouses are considered disabled spouses:

those who have reached 60 and 65 years of age (women and men, respectively);
who are disabled.

The exception is the widows of military personnel who died from military trauma during conscription service and who remarried. The state will not pay them a survivor's pension upon reaching 60 years of age.

Grandparents of a deceased military grandson are considered disabled if:

reached 60 and 65 years of age (women and men, respectively);
are disabled.

But they will be paid a pension if they do not have able-bodied children who are legally obligated to support them.

Except for the above circumstances, a pension will be assigned to parents, spouses, grandparents, brothers or sisters, if they do not work, but are caring for a child, brother or sister of a deceased serviceman, who are entitled to survivor benefits and are not turned 14 years old. In this case, the fact of being dependent on the deceased is not important.

Also, being a dependent is not necessary in the case of granting a pension to the parents of a serviceman if his death occurred during or after conscription service, but due to a military injury.

In all other cases, payment will be assigned if relatives were dependent on the serviceman.

Payment amounts

The size of the pension for the loss of a serviceman who died due to a military injury is 200% of the social pension.

The size of the pension for the loss of a serviceman who died due to a disease received during military service is 150% of the social pension.

If the family lives in the Far North and equivalent areas, as well as in areas with difficult climatic conditions, then the pension amount will be increased by the regional coefficient.

Paid to families of breadwinners:

served in the internal affairs bodies;

those who served under conscription as officers, warrant officers and midshipmen or served under contract as soldiers, sailors, sergeants and foremen;
served in the State Fire Service;
serving in the authorities for control over the circulation of narcotic drugs and psychotropic substances;
serving in institutions and bodies of the penal system;
served in the Federal Service of the National Guard of the Russian Federation.

A survivor's pension through the Ministry of Internal Affairs is paid to the family of an employee in the internal affairs bodies (OVD) if he died:

during the period of service;
no later than three months after dismissal from service;
at any time after dismissal due to injuries received in service: wounds, contusions, injuries, or other diseases;
during the period of receiving a pension or no later than five years after the termination of payment.

Who is entitled to

A pension for the loss of a breadwinner who served in the internal affairs department is paid to disabled members of his family who were dependent on him.

A child, brother, sister, or grandson of a deceased person who served in the police department is considered disabled:

until they turn 18 years old;
until they turn 23 years old if they are full-time students at an educational institution;
all their lives, as long as they have the “disabled” category, and they received it before the age of 18.

The brother, sister and grandson of a deceased employee in the Department of Internal Affairs will be paid a pension if they do not have able-bodied parents who are legally obligated to support them.

The parents and spouse of a deceased employee in the internal affairs department are considered disabled if:

reached the ages of 55 and 60 years (women and men, respectively), and the death of the breadwinner occurred due to a military injury;
reached 60 and 65 years of age (women and men, respectively);
are disabled.

Grandparents of a deceased grandson who served in the police department are considered disabled, but they will be entitled to a survivor's pension if they do not have able-bodied children who are legally obligated to support them.

Except for the above circumstances, a pension will be assigned to parents, spouses, grandparents, brothers or sisters if they do not work but are caring for a child, brother or sister of the deceased who is under 14 years of age. In this case, the fact of being dependent on the deceased is not important.

Survivor's insurance pension - what is it?

Survivor's pension insurance is a monthly payment that is issued to the disabled dependents of a deceased or missing citizen.

The loss of a breadwinner means his death or unknown absence. The facts of this must be confirmed by special papers. If there are no documents, these facts can be established in court in accordance with the Civil Code of Russia.

A pensioner can receive funds either himself or through his representative (for this you need to make a power of attorney) . You can also arrange for funds to be credited to a bank account.

The mother, father, and guardian have the right to receive money for a minor. If the child has reached the age of fourteen, he can receive money himself. If a child is considered an orphan and stays in an orphanage, the pension is credited to his personal account.

The citizen receiving payments himself determines the method in which they will be delivered to him. It could be:

postal service;
banking organization;
delivery company.

Important! All of the establishments listed above provide the opportunity to choose 1 of several ways to receive funds (in person at the branch, at home, bank card). The recipient has the right to change the delivery company and the method of money delivery at any time. To do this, he needs to submit an application to the Pension Fund.

The role of the IPC in the formation of a pension

The pension point reflects a person’s right to receive payments upon the occurrence of a confirmed insured event. If contributions were made to the deceased’s account during his working life, then after his death, dependents have the right to apply for an insurance pension under the SIC, which consists of the value of the points, as well as a fixed part determined annually by the Government. Its calculation and recalculation are based on indicators at the time of payment assignment.

If the deceased does not have insurance experience, a social pension according to the SIC is assigned. The law establishes a fixed payment: in 2021 it is 5034.25 rubles. Since this amount is significantly lower than the cost of living in the country, an additional payment is made on the basis of the Federal Law “On State Social Assistance” dated July 17, 1999 No. 178-FZ (as amended on July 1, 2017).

State survivor's benefit

The size of the pension for the loss of a breadwinner-military is calculated as a percentage of the social pension:

200% – death occurred from military trauma.
150% – the cause of death was an illness acquired during service.

It does not matter whether the deceased worked and what the cause of his death was if he belonged to the category of victims of radiation or man-made disasters. His relatives are paid a pension upon confirmation of the fact of being in care. The amount of support is:

250% – children of a single mother or who have lost both parents;
125% - to the rest.

If the deceased was an astronaut, the applicant’s pension will be 40% of the salary allowance (SDS) of the breadwinner. Payments are adjusted taking into account the regional coefficient if the applicant lives in difficult climatic conditions.

If the deceased worked in law enforcement agencies, the registration and calculation of a pension for a child or other family member follows different rules. To appoint it, you need to contact the relevant department rather than the Pension Fund. The size depends on the cause of death:

50% of SDD is due to military trauma.
40% – disease.

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Survivor's pension under the Ministry of Internal Affairs

1.8 points are awarded for one year of care for the following category of citizens:

disabled person of group I;
disabled child;
old people over 80 years old;
child under 1.5 years old (both parents).

1.8 is also accrued for one year of conscription service in the army. If a parent takes a year off to care for a second child, he will be awarded 3.6 points, and for the third and fourth - already 5.4.

The Pension Fund encourages people to retire as late as possible by offering an increase in fixed payments and insurance cash benefits by 36% and 45% points, respectively, if a citizen applies 5 years after receiving the right to security in old age. After 10 years, the fixed payment will increase by 2.11, and the insurance payment will increase by 2.32.

Military pension

Military pension also has its own calculation formula:

50%.

There are three types of military pension:

by length of service;
on disability;
for the loss of a breadwinner - relatives receive if he goes missing or dies.

Important: if 20 years of service are not reached, the pension is calculated based on mixed length of service.

The fixed payment amount in 2021 is 4,982.90 rubles for persons who have reached retirement age. Depending on the category of pensioners, it may vary:

7,474.35 rubles for persons with more than 15 years of work experience in the Far North, with 25 years of experience for men and 20 for women.
9965.80 - for disabled people of group I.
4982.90 - for disabled people of group II.
2491.45 - for disabled people of group III.
and some other categories, in accordance with the law of December 28, 2013 N 400-FZ.

Indexation of the fixed part occurs every year on February 1, taking into account the growth of inflation. From April 1 every year, the Government may consider increasing it based on the income of the Pension Fund.

Since 2015, the funded pension (CP) ceases to be part of the labor pension and becomes an independent type of old-age benefit. Its size depends on the length of the payment period.

Formula for calculation: the amount of pension savings is divided by the number of months of the expected payment period.

NP is formed in several ways:

The funds are contributed by the employer during the entire working period of the employee: 22% of the salary - 16% to the insurance part and 6% to the funded part.
Maternity capital can be invested partially or in full.
Participation in the Co-financing Program.

An insured person of retirement age has the right to receive NP if his savings in the pension account are at least 5% in relation to the amount of the old-age insurance benefit. The fixed payment and the amount of the funded pension, which is calculated as of the day of its appointment, are also taken into account.

In addition, a citizen receives NP regardless of receiving other cash benefits.

From January 1, 2021, changes have been made to index the amount of the insurance pension. Now indexation will be adjusted from January 1 of each year. This mechanism will be applied until January 1, 2025 for old-age, disability and survivor pensions.

From January 1, 2021, the insurance pension increased by 7.05%.

The age of spouses, parents, grandparents has changed - for women from 55 to 60 years old, for men from 60 to 65. Since 2021, a transition period for establishing the retirement age has been in effect based on Appendix 6 of Federal Law No. 400-FZ.

From November 12, 2021, changes have been made for students under 23 years of age studying full-time. Now they can study in any foreign educational institutions without a referral in accordance with the international treaty of the Russian Federation. Such changes were introduced by Federal Law No. 409-FZ of November 12, 2018.

The pension will stop being paid if:

the child, sister, brother and grandson of the breadwinner will turn 18 or 23 years old if they are a full-time student at an educational institution;
the recipient will not be extended the status of “disabled person” received before the age of 18;
the brother, sister, child or grandchild of the breadwinner, who is being cared for by pension recipients, turns 14 years old;
the widow of a military man who served under a contract and died due to a military injury will get married;
pension recipients will officially get a job. The exception is relatives of military personnel who served as conscripts as soldiers, sailors, sergeants and foremen. Such relatives are allowed to work and receive a pension at the same time.

The size of the social survivor pension for children in 2019 is:

5180 rubles if one parent died;
10,360 rubles if both died.

For family members of fallen military personnel, the pension is 5,180 rubles.

The state pension in the event of the death of a serviceman or through the Ministry of Internal Affairs is 7,770 rubles or 10,360 rubles, depending on whether he was in service at the time of death or not.

From April 1, 2021, a planned indexation of the social pension for the loss of a breadwinner is expected by 2.4%.

Who is entitled to

disabled children;
disabled parents and spouse if they have lost their livelihood;
disabled parents and spouse, if the death of the breadwinner was due to a military injury.

If a police officer who died due to a military injury left behind a child under eight years of age, then the spouse caring for him is entitled to a survivor’s pension, regardless of:

how old is the spouse;
whether it works or not.

Pays:

adoptive parents, as well as parents;
adopted children, as well as relatives;
stepfather and stepmother, as well as natural parents, if they raised the child for more than 5 years;
stepson and stepdaughter, as well as my own children.

The spouse can remarry or get married, and if the pension was paid, it will continue to be paid.

It is important to note that if the death of a serviceman occurred due to the commission of a crime, then only a social pension will be assigned and only to his children.

Benefit amounts

monetary allowance = (official salary salary for a special rank percentage bonus for length of service) × the amount of monetary allowance as a percentage for calculating the pension, established by law and changing every year. The survivor's pension under the ATS line is paid in the amount of 50% of the amount of monetary allowance calculated above if:

the breadwinner died as a result of war injury;
the breadwinner died - a pensioner, who on the day of death was disabled due to a military injury;
children of the breadwinner, if they are left without both parents;
children if they were raised by a single mother.

A survivor's pension under the Department of Internal Affairs is paid in the amount of 40% of the amount of monetary allowance calculated above if:

the breadwinner died due to an illness acquired during the period of service, namely as a result of injury due to an accident or illness not related to the performance of official duties.

In addition, the student must not be officially employed. If he gets a job, the survivor's pension will no longer be paid.

And only relatives of military personnel can combine full-time studies and work.

The concept of a survivor's insurance pension

In 2015, the government of our country adopted a number of laws that almost completely changed the way citizens think about pensions. In order not to significantly worsen the situation of those who have already retired earlier, their rights are enshrined in legislation, including in terms of insurance payments for the loss of a breadwinner for disabled citizens. Moreover, if the deceased breadwinner himself was officially employed for at least a single day, then the dependents who cannot work themselves will be assigned, accrued and paid the appropriate pension.

Definition

An insurance pension for the loss of a breadwinner is a monetary compensation payment that is made every month (once every thirty days) in favor of a person who has lost his sole breadwinner, while being disabled, regardless of the reasons. Such security may be assigned indefinitely, that is, until death, but it may also have clearer payment terms, for example, until adulthood or employment.

Who is eligible

Every student writing a coursework on the topic of insurance pensions knows exactly when such payments are due and who has every right to receive this type of security. According to Article 10 of Federal Law No. 400, the list of persons who can apply for and receive a livelihood in the form of state benefits is quite wide.

Close relatives of the deceased person who are disabled and unable to provide for themselves. For example, this category includes children, grandchildren, brothers and sisters who have not yet reached the age of majority (18 years). Under the condition of full-time full-time study at any educational institution, the survivor's pension for the student can be extended up to 23 years.
Elderly parents or grandparents of the deceased person, who at the time of his death were fully providing for him.
Spouses of the deceased, but only if at the time of his death they have already reached retirement age (60 years for men and 50 for women). If they are also disabled, then the age of the applicant will not play any role, but this fact must be proven by the ITU commission. There is already an article on our website on how to apply for a survivor’s pension for a widow.
Close relatives, for example, uncles and aunts, who are involved in raising and providing for children or other citizens who have lost a breadwinner before the age of fourteen, but are themselves already adults.

Any lawyer with a diploma will say that an insurance pension in the event of the loss of a breadwinner can be assigned only if the person is definitely incapacitated, for example, a minor, a student under 23 years of age, a disabled person or an elderly person. In some cases, when special conditions arise, for example, employment or marriage for a widow, payments may be stopped completely or temporarily.

Conditions of appointment

According to the same tenth article of law 400-FZ, there are a number of conditions, features and nuances that must be met in order to receive payments.

The deceased person must have a length of service starting from one day, which we have already noted. If the breadwinner has never worked, then only social benefits can be assigned to his relatives.
A survivor's pension for a spouse may be granted temporarily until he/she gets a job or re-joins the bark. According to statistics, such benefits are more often used by women whose husbands fully provided for them.
When assigning benefits, the children of a deceased person are considered his dependents by default, so there is no need to provide evidence of this fact.
Persons receiving any other security (pension, benefit) can refuse them and switch to an insurance pension for the loss of their sole breadwinner, if this turns out to be more profitable.
If the breadwinner dies due to the fault or due to unlawful actions of a dependent, such benefits cannot be assigned and paid to him. Social security and survivors' pensions may differ significantly in final amounts

In exceptional cases, a missing person can also be considered dead, but only under special conditions. Firstly, a special application to search for a specific person must be drawn up and submitted to law enforcement agencies, secondly, at least three years must have passed since the disappearance, and thirdly, the decision to recognize him as dead must be made by the court.

IPC formula

Influencing factors

SPspk = IPK x SPK, where

IPC – the number of pension points accumulated by the deceased breadwinner,

SPK is a cost characteristic of the coefficient for the day from which a pension will be assigned to a disabled relative.

IPK = (IPKs IPKn) x KvSP, where

IPKs – coefficients for labor and other accounting activities until 2015,

IPKn – coefficients for insurance premiums after January 1, 2015,

KvSP - increase coefficient (for example, the deceased breadwinner retired as an old-age pension several years after reaching retirement age).

How is the insurance pension calculated in 2019?

The insurance pension includes four periods of earned funds:

until 2002;
2002-2014;
after 2015;
others non-insurance.

In 2021, the cost of one point is 81.49 rubles. It grows from year to year, taking into account indexation and inflation. The formula for calculating a pension is: multiply the number of points by the cost of one and add a fixed payment. Let’s say there are 70 points on the account, then the insurance benefit will be 70 x 81.49 4982 = 10,686.3 rubles.

The number of points depends on the citizen’s work experience and his contributions, while the other two indicators are established by the state annually and indexed.

The insurance pension is assigned to the relatives of the breadwinner if they were dependent on him and are disabled, because:

have a disability;
have not reached 18 years of age;
are full-time students but have not reached 23 years of age;
are caring for a child, sister, brother, or grandson of a deceased breadwinner who is under 14 years of age;
reached the age: women - 60, men - 65 years.

The presence of dependent relatives caring for the child, sister, brother, or grandson of the deceased who are under 14 years of age is an optional condition for receiving a pension.

The fact of dependency for minor children of the breadwinner does not need to be confirmed. All other relatives must provide a certificate that they were dependent on the deceased, or prove the fact of dependence in court.

If you wrote an application for retirement after death:

less than 12 months, then the pension will be paid for the previous months;
more than 12 months, benefits will be paid only for the previous 12 months, regardless of how much time has passed since the death of the breadwinner.

As soon as the relative receiving the pension becomes able to work, for example, he turns 18, the pension is stopped being paid.

If a pension is assigned to relatives upon reaching retirement age, or if the disability is issued for life, then the payments will be indefinite.

The pension is paid to the child, sister, brother and grandson of the breadwinner:

until they turn 18 years old;
until they turn 23 years old if they are full-time students at an educational institution;
all their lives, as long as they have the “disabled” category, and they received it before the age of 18;
until the brother, sister, child or grandchild of the breadwinner for whom they are caring is 14 years old. Pension recipients themselves must be over 18.

The pension is paid to the parents and spouse of the deceased:

as long as they have the status of “disabled”;
until the brother, sister, child or grandchild of the breadwinner for whom they are caring is 14 years old;
if they reach the age of 60 for women and 65 for men.

The pension is paid to the grandparents of the breadwinner if:

have the status of “disabled”;
reached retirement age: 60 years old - grandmother and 65 years old - grandfather.

To receive a pension, the breadwinner's grandparents must not have able-bodied children, and the brother, sister and grandchildren must not have able-bodied parents who are required by law to support them.

If a child receives a survivor's pension and is adopted, they will still continue to receive benefits.

Where to go

Structure, calculation and amount of payments

The relevance of insurance pensions in the event of the loss of a breadwinner is ensured by the state. That is, every year all payments are necessarily indexed in due time, like any other security from the state.

Important

An insurance pension for the loss of a sole breadwinner can be assigned after his death or death within one calendar year. If relatives wishing to receive payments meet these deadlines, then the funds will be credited from the moment the insured event occurs (death of the breadwinner). For later applications, payments will be made no more than twelve months prior to application.

Correct calculation

To make it clear how the benefit is calculated, it would not hurt to take a closer look at the structure of the survivor's insurance pension. The amount of payments can be determined using two basic formulas. Experts usually choose the more appropriate one, depending on whether the person was a real pensioner at the time of death or continued to work. The security will be assigned not to just one of the possible candidates, but to everyone who has the right to it, without limitation on the number of persons.

For deceased pensioners

SPspk = IPK x SPK

Let's decipher the abbreviations

SPspk - the final amount of the insurance pension in the event of the loss of a breadwinner to be paid.

IPC – personal (individual) pension points accumulated by the deceased breadwinner during his working life.

SPK – the cost (real price) of one point at the time of death of the breadwinner and paperwork. For 2021, the amount was 78 rubles 58 kopecks.

For the dead workers

SPspk = IPKu / KN x SPK

Let's decipher the abbreviations

SPspk - the final amount of payment for the loss of a breadwinner.

IPKu – pension points (coefficients) of a deceased person, collected at the time of death.

KN – the number of dependents (those in need) who require material support.

SPK is the price of one pension coefficient.

Recalculation

This procedure can only be carried out if the insurance premiums of the deceased breadwinner were not fully taken into account during registration. Moreover, such an action will be carried out only once, on the first of August of the year, which follows when the person who was considered the main breadwinner died.

SP2 = SP1 + (IPK / K / KN x SPK)

Let's decipher the abbreviations

SP2 – the amount of payments that will be obtained after recalculation.

SP1 – the amount of security paid as of July of the year in which the recalculation is made.

IPC – pension points collected by the deceased.

K is the direct ratio of the deceased’s insurance experience at the time of his death to 180 months.

KN - the number of dependents who should receive benefits. It is also calculated at the time until July of the year in which the recalculation is made.

SPK – The price of one pension point, relevant at the time of recalculation.

Features and nuances

It is imperative to take into account the individual characteristics of each specific case, because the size of the final payments (survivor's insurance pension) will directly depend on them.

The insurance pension for children who have become orphans (lost their father and mother) implies that the pension points (IPC) of both parents will be summed up.
Payments for those who have lost their only breadwinner - a single mother can count on her IPC being multiplied by two.
The size of the points can be calculated taking into account the increasing coefficient.

Similar coefficients, as in the last paragraph, can be used only in two cases. Firstly, if the deceased person had not previously written an application for an insurance pension and did not receive it, and secondly, if he deliberately refused it, which happens much less often.

Minimum size

According to the legislation of our country, the minimum amount of insurance pensions, as well as payments for the loss of a breadwinner, can be varied and vary from region to region. However, it cannot in any way be less than the minimum subsistence level established by the state, which can also vary significantly in different regions. If the final benefit amount is below this level, then a social supplement will be assigned, which is non-applicant, that is, it will be added automatically.

The minimum as of April 1, 2021 in the country was exactly 4959 rubles 85 kopecks, with the loss of one breadwinner.
The minimum security for the loss of both earners was 9919 rubles 70 kopecks.

As already mentioned, in the event of a complete lack of work (insurance) experience for the deceased, all dependents may be assigned social benefits in the same amounts as indicated above.

Conclusion: suspension of payments

If desired, an approximate calculation of the insurance pension in the event of the loss of a breadwinner will not be so difficult, but still these figures are only an approximate amount, nothing more. You should not be surprised if the benefits calculated by the experts of the Pension Fund of the Russian Federation differ slightly in one direction or another. But in addition to the appointment, upon the occurrence of certain conditions, a termination of payment may be issued.

If the child is eighteen years old, and a certificate of enrollment in an educational institution for in-patient study is not provided to the Pension Fund of the Russian Federation or the social security service, then payment of benefits will not be made. If such a paper is issued, then payment will last up to 23 years.
When a disabled citizen, after coming of age, decided to enroll in an educational institution, but for some time could not provide a certificate of enrollment (the period of admission and passing exams, for example), then the payment may be withdrawn or suspended. After enrollment in a university, it can be restored, or it can be assigned again.
If, after the death of the spouse, the widow receiving payments remarries or gets a job, then she will not be paid a pension.
When a student transfers to part-time study and/or is employed, the payment will be completely stopped.
When the disability of the dependent of the deceased, according to the decision of the ITU commission, is completely removed, the benefit will stop being paid.

If any of the situations listed above occurs, the recipient of a pension for the loss of his breadwinner is obliged to inform the Pension Fund of the Russian Federation as soon as possible about a change in his status. If a person hides such facts, then an overpayment may occur. When the real situation is clarified, it will definitely be exacted, either voluntarily or in court. So it’s better not to hide such nuances from the state, so as not to rack your brains about how to pay off your debts.

Minimum size and latest changes

IPKs = P / SPKk ∑NPi / K / KN, where

P – the amount of the insurance part of the pension as of December 31, 2014, determined according to the norms of the Federal Law “On Labor Pensions” dated December 17, 2001 No. 173-FZ;

SPKk - the cost of one point as of January 1, 2015, that is, 64.1 rubles;

∑NPi – the sum of the coefficients for all non-insurance periods until 2015, specified in Article 15 of the Federal Law “On Insurance Pensions” dated December 28, 2013 No. 400-FZ;

K – the duration of the insurance period as of the day of his death, divided by 180 months;

KN - the number of people who can receive payments due to disability.

IPKn = (∑IPKi NPi) / K / KN2, where

IPKn - the number of points for the period of work after January 1, 2015;

∑IPKi - the sum of points determined for each year and taking into account the deductions of insurance contributions from January 1, 2015 to the old-age pension in an amount equal to the individual part of the tariff of insurance contributions to finance the old-age pension for the insured person;

NPi is a coefficient determined for the calendar year of another period counted towards the length of service (for example, conscription service).

The procedure for determining the values of K and KN is presented in the formula above.

The procedure for calculating the insurance portion

The size of the survivor's insurance pension is formed from two components. The first is a fixed payment. The second is the insurance part. The calculation takes place individually for each applicant based on the documents submitted and the length of service of the deceased.

Formula

The amount of the insurance pension is:

fixed payment - FV;
individual pension coefficient - IPC;
the cost of one point on the day of payment appointment - SPB.

Calculation formula: FV + IPC x SPB

Number of pension points

The calculation of the insurance part of the pension directly depends on the number of pension points (PB), the sum of which is the IPC. Peculiarities:

If a child has lost both parents at once, the IPC consists of the sum of the father’s and mother’s PB.
Provided that the deceased was listed as a single parent, the IPC doubles when assigning payments. If on the day of death the breadwinner was paid an old-age or disability insurance pension, the IPC is divided by the number of applicants.

Fixed payment

The amount is recalculated annually. From January 2021, it is 5,334.19 rubles for orphans and 2,667.10 for all others.

In what cases does it increase?

It is legally determined that the FI is accrued at an increased rate if the dependent who has lost a breadwinner lives in difficult climatic conditions. The original value is adjusted taking into account the regional coefficient. Its value varies from 1.15 to 2 and depends on the area of residence.

Until what age is it paid?

The pension is paid:

child, sister, brother and grandson of the deceased under 18 years of age;
the child, sister, brother and grandson of the breadwinner under 23 years of age, if they are full-time students at an educational institution;
for life if the recipient is assigned the “disabled” category, which he received before the age of 18;
until the brother, sister, child or grandchild of the breadwinner, whom the pension recipients are caring for, turns 14 years old;
spouses, parents, grandparents (from 60 years old for women, from 65 years old for men, with some exceptions when the pension is assigned 5 years earlier) for life.

Conditions of appointment

The insurance pension for the loss of a breadwinner is paid from the Pension Fund (PFR). It is established if the deceased had an insurance period of any duration. Children are entitled to payments until they reach adulthood or 23 years of age if they are studying full-time.

If you become disabled before the age of 18, financial support will be provided until the child is officially employed or the group is removed. Age does not play a role here.

Parents and grandparents are granted financial support after reaching retirement age or becoming disabled. Brothers, sisters and grandchildren will be able to receive money if they do not have able-bodied parents. In addition, all of the listed citizens, regardless of age, are provided with a pension if they do not work, but care for the relatives of the deceased, until the dependents are under 14 years old.

A state pension for the death of a breadwinner is awarded if the deceased was a military man, an astronaut, or a victim of man-made or radiation disasters.

Spouses are provided with support if they have not remarried. Children whose parents suffered from the Chernobyl nuclear power plant accident receive financial assistance until the age of 25 if they are full-time students.

The source of financing for social pensions is the state budget. It is paid only to the children of the breadwinner until they reach the age of majority or 23 years of age when studying full-time.

A mandatory condition is permanent residence in Russia.

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