The size and procedure for payment of pensions in 2021 for different categories of citizens

To provide optimal social support for unemployed citizens, the Pension Fund of the Russian Federation introduced a system of personalized accounting (PA), which made it possible to improve the mandatory pension insurance system (MPI) for Russians.
Thanks to innovations, the calculation of individual pension payments in 2021 has become clearer and simpler. The accepted concept of welfare (payment) is a form of support for citizens with permanent or temporary disabilities and includes payments, reimbursements, bonification or social compensation from the state, expressed in monetary form. Citizens of three categories receive the right to welfare:

• everyone who has reached a certain age of aging;
• disabled people;
• dependents, people who have lost their breadwinner and have no other income.

Pension payments in 2021

Some changes have been made to calculations and payments. In particular, this concerns the annual indexation, the date of which has been moved a month earlier. Also, benefits for the disabled, children, old-age pensioners, and other state benefits were indexed - one-time indexation, carried out on April 1, 2018. The increase was 3.7%, which exceeds the established inflation index by 0.5%.

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Calculations of pension payments are based on the growth rate of the consumer basket. The increase in the level of social security determined by the government of the Russian Federation is equal to 4.1%, which affects the average minimum rate of insurance benefits.

Structure and composition

To calculate pensions for 2021, contributions transferred by the employer to the Pension Fund for employees are taken. This is the main basis for calculating payments for the insurance part of the welfare. The tariff is 22% of the employee’s earnings. There are the following structural options for providing benefits:

1. Insurance. The tariff is divided into individual (16%) and joint (6%), intended for financing fixed payments (FB).
2. Mixed. This is an option with an insurance and savings structure. Here the individual tariff is 10% for insurance benefits, 6;% for accumulative, solidarity, aimed at financing FV, remains unchanged at 6%.

Types of pension benefits

The main type is insurance. This old-age benefit is calculated based on 3 factors:

• reaching old age or having rights to early retirement;
• availability of a minimum acceptable period of insurance coverage;
• the presence of a minimum pension points established by law.

The disability insurance benefit (SI) is calculated without taking into account the reasons for the loss of ability to work; two factors are required:

• documentary evidence of disability;
• work experience, at least one day, no work experience - they will appoint a joint venture.

As for the survivor's pension (SPK), it is intended for the category of dependent citizens. These could be children, grandchildren, a disabled or non-working spouse, a parent, or a disabled child. To calculate payments you need:

• the deceased’s work experience;
• the absence of an unlawful act committed by a disabled family member, which led to the loss of a breadwinner.

In 2021, the moratorium on the funded part of benefits through insurance premiums has been increased. Today, the principle of creating a pension in its funded part is similar to the actions of a citizen placing funds in a deposit bank account. Funds are sent, at the citizen’s choice, to the account of a management company or a non-state pension fund (NPF).

State pension payments have the goal of improving the life of an elderly or disabled person who has lost the ability to earn money independently. Payments are provided for:

• civil servants;
• military personnel;
• participants and veterans of the Second World War;
• Leningrad siege survivors;
• citizens affected by radiation exposure;
• astronauts;
• test pilots;
• disabled citizens.

If a Russian does not have the minimum number of pension points or work experience, he is assigned a SP. Social welfare is a benefit expressed in monetary terms, discounts, concessions, compensation, partially or completely free services.

Insurance benefits are a measure that the state takes to make life easier for citizens who do not have the opportunity to earn their own living. There are no requirements for pension points or work experience. There are three types of joint ventures:

• due to old age,
• on disability,
• upon the loss of a breadwinner.

Providing a state pension type established 4 types of payments for civil servants, military personnel and certain categories of persons: for length of service, old age, disability and loss of a breadwinner.

For length of service, welfare workers are appointed:

• civil servants with at least 15 years of experience in the civil service;
• military personnel according to established regulatory legislative acts;
• cosmonauts, if the length of service in the required position is 25 years for men, 20 years for women, but only if part of the period is spent working as a flight test crew (for men 10, for women 7.5 years);
• test pilots with 25 years of experience for men, 20 years for women, subject to working in the flight crew for at least 2/3 of the total experience.

Welfare in old age is paid to citizens who have suffered injuries or illnesses as a result of radiation exposure, man-made accidents, or disasters. As for disability payments, the category of citizens matters here:

The size of the average pension by region of the Russian Federation in 2021 and the required indexation

• participants, WWII veterans;
• citizens who survived the siege of Leningrad;
• military personnel who were injured and disabled during military operations or military conscription;
• disabled people due to the Chernobyl accident;
• cosmonauts whose disability is a consequence of preparing for or performing a space flight.

Welfare for the loss of a breadwinner is assigned to dependents who are under 18 years of age, parents, and spouses. The reasons for payments are: the death of a conscript serving in the military; a person who received a fatal disease due to radiation, dead astronauts and astronaut candidates.

As for non-state pension funds, their goal is to stimulate citizens to form their own security for old age on a voluntary basis. All settlements with NPFs are carried out according to the terms of the agreement, including contributions and payments.

Additional payment to pension for work experience of more than 40 years in 2021

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Federal Legislation regulates the right to accrue additional payments to the fixed amount of the pension benefit; all pensioners with more than 35 years of work experience will be able to apply for them. An increase in allowances is also provided. They will be accrued to Russian pensioners in the case when men and women’s work experience exceeds the level of 45 and 40 years

respectively. Thus, pensioners aged 60-65 years on average will be able to receive additional funds to their social benefits provided by law.

Insurance and funded part of pensions

Pensions for Russians are formed using two directions: the insurance part and the funded part. The first is calculated as follows: the cost of 1 pension point is multiplied by the total number of points received by the pensioner over the entire period of service. As for the funded part, this is a payment provided by the Pension Fund of the Russian Federation on a monthly basis.

Let us add that the size of the pension depends not only on the length of service, but also on the average monthly earnings. In April 2021, the Government decided that women who have worked for more than 30 years and men who have worked for more than 35 years will be able to apply for pension supplements.

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New rules are now used to calculate the amount of pension benefits.
For men and women with 30 and 35 years of experience, respectively, “bonus” coefficients are provided - one for each case. When the length of service exceeds 40 and 45 years, then 5 such coefficients are already taken to calculate the additional payment. It must be remembered that the Pension Fund does not consider as years of service the time when a citizen of the country studied at a university, but years spent in military service and maternity leave for women are considered as work experience. The authorities intend in this way to stimulate citizens’ enthusiasm for work, since for each year of work 1 coefficient is added. In the case of high or average wages, the bonus will significantly increase the amount of pension accrual/

Legal regulation of the issue

To begin the reform of the pension system, there is a certain law - this is a normative act that clearly outlines the distribution of labor benefits among the funded and insurance parts. The Federal Law also defined the following concepts:

• updating the formula for recalculating benefits with the basis for summing up the IPC and the cost of one pension point;
• a new procedure for calculating and assigning payments, taking into account the minimum allowable amount of pension points and the insurance part of the length of service;
• the presence of increasing coefficients when applying for pension payments later than the deadline established by law.

Law No. 424-FZ is a regulatory act regarding the emergence of the right to a funded pension and the establishment of conditions for assigning corresponding payments. The very procedure for accrual of savings payments is determined by the citizen who has gone on legal vacation and the chosen insurer (NPF). An insurance company whose activities comply with Law No. 410-FZ dated December 28, 2013 is suitable. However, placing funds in a non-state pension fund entails the risk of financial loss due to high inflation and fund losses.

Indexation of pension benefits from January 2018

At the beginning of 2021, the insurance part of payments for non-working pensioners was indexed. The amount of payments increased by 3.7%. The budget deficit does not allow indexation of welfare benefits for working pensioners; this category of citizens can count on annual indexation only after dismissal and subsequent retirement.

Rules for calculating old age pension

For an accurate calculation, it is necessary to operate with the terminology of Federal Law 12/28/20213 No. 400-FZ: IPC, premium (increasing) type coefficients, FV - state-guaranteed amount.

A number of conditions necessary for the assignment and calculation of payments

The following categories of citizens have the right to accrue and pay pensions in the old-age insurance sector:

1. Citizens whose work experience in 2021 with the period of contributions by the employer to the Pension Fund is 9 years or more. You should know that until 2024, the requirements for work experience will increase annually until they reach 15 years.
2. Citizens who have the required number of pension points (calculated using the new formula) of at least 13.8 in 2021 and further up to 30 by 2024.
3. Men aged 60 and women aged 55 who do not have the conditions to receive an early pension.

Amount of fixed payment to the insurance pension

As of the end of 2021, the fixed pension payment is equal to 4805.11 rubles, which are accrued every month. This amount can be increased if the pensioner is included in the preferential list - then, depending on the category, the amount of the additional payment will be 6246.64-21622.99 rubles. The table shows the categories of citizens who have the right to a monthly fixed payment:

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What is IPC?

The individual pension coefficient is determined by the number of pension points that the employee has received over his entire work experience. The dimensional values ​​of the IPC are taken taking into account each calendar year.

The formula is: IPC (g.) = SV (g.)/NSV (g.)*10.

Thus, the IPC is annual, SV is insurance premiums for the year, NSV is 16% of the maximum possible base subject to contributions (MVB) - the government sets this amount annually and in 2021 the base is 1021 thousand rubles.

Pension calculation: formula for citizens

The changes affected the entire social system of helping people who find themselves in difficult situations. The funded parts, which are under a moratorium until 2021, explain the individuality of the formation of welfare benefits for each citizen. Now the basis for payments is labor activity; funds are paid from the Pension Fund budget and are calculated according to the updated formula.

Insurance part

For the insurance part, the formula is as follows: SP = IPK*SIPC*K+FV*K, where: SP is the amount of the old-age pension, IPK is the amount of IPK that has accumulated at the time of calculations, IPK is the cost of IPK, K is the premium coefficients, and FV – fixed part of payments.

Cumulative part

Here the formula is regulated by Art. 7 Federal Law No. 424-FZ dated December 28, 2013: NP = PN/T. NP – amount of benefit, PN – amount of savings in a special part of the insured person’s personal account, T – period (estimated) during which assistance will be paid. The term in 2021 is 246 months, that is, 20.5 years.

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Terms and procedure for payment

The first payment of money to a pensioner should take place in the month following the submission of documents. If representatives of the Pension Fund of Russia decided that not all documents were in order and gave it an additional period to resolve the problem, the countdown begins from the moment the papers are transferred (provided that the applicant invested in the agreed time). You can receive allowance in several ways, but you must choose one of them, which is indicated when filling out the application. A citizen can change the method at any time by writing a corresponding application.

Social old-age pension in 2021 can be transferred to:

• At the post office. You can receive money at the nearest territorial branch, or at home through the postman.
• Through the bank. There are two ways to do this. The first is to get a bank card and withdraw money as needed from an ATM, or pay using plastic non-cash for purchases and services. The second method is to receive money monthly through the cash desk of a selected banking institution. Money is credited to the pension account on the day it is received from the Pension Fund.
• Through a special organization that has an agreement with the Pension Fund.

How to calculate your pension yourself

You can find an online counter on websites or do your own calculations. Of course, all results will be conditional; a Pension Fund employee will help you find out exactly the size of pension payments.

Where can I find out the amount of pension points?

The service is available on the government services website - you need to register, order a statement of accumulated pension points - it takes a few minutes. But you can contact the Pension Fund branch at your place of permanent residence. You will have to write an application for an extract from your personal account.

How much does an IPC cost in 2021?

From January 1, 2018, the price of one IPC point is 81.49 rubles. The cost of one pension point is determined annually by the Russian government. The preliminary cost of the IPC is 81.96 rubles. provided for in the draft budget is not valid.

Fixed payment amount

Also, after indexation, the fixed payment amount is 4982.9 rubles. The basis for the formation of the PV is the joint rate of insurance premiums (this is 6% of the 22% paid by the employer).

Indexation of social pensions and bonus for working pensioners in 2021

As for the increase in social pension payments, next year they will be paid without fail to everyone who, upon reaching retirement age, did not have time to accumulate insurance experience. Also, the increase in social pension payments will also affect some categories of dependents, as well as veterans and pensioners with disabilities. The increase in payments will occur on April 1, 2018 and will be 4.1%. The size of the social pension depends on the form of assignment.

As for the category of working pensioners, their calculations are far from being so simple. Indexation for this category was frozen back in 2015, but the deduction of insurance premiums was not. They are converted into pension points.

So next year the state is simply obliged to recalculate towards increasing the premium. In all likelihood, this should happen from August 1st. According to preliminary calculations, the price of one point should be 81 rubles. 50 kopecks A maximum of three points can be added to the pension, that is, 244 rubles. Funds for indexation have already been budgeted and payments will begin in January next year.

How to calculate a disability pension

In terms of a disability pension, the insurance period matters as such, regardless of its duration. If a disabled person worked for 1 day, and the employer made appropriate contributions to the Pension Fund, then the citizen has the right to claim insurance pension payments.

No experience - a joint venture is appointed. When calculating a pension below the subsistence level established in an individual region, the pensioner receives social supplements.

The amount of disability insurance benefits depends on the availability and size of length of service, the amount of wages, and the employer’s payment of contributions to the Pension Fund. The total amount of the welfare benefit for disability in terms of fixed payments is 4982.9 rubles. For disabled people of group 3, the base rate is 2,491.45 rubles, and for people with disability group 1, the base rate of PV should increase by 100%.

An increase in pensions for non-working pensioners has already happened

2018 was in some ways an uncharacteristic year - pensions for elderly Russians were raised not in February, as was usually the case, but on January 1.

The fact is that the government decided on the percentage of pension increases in the fall of 2021 - it was decided to raise payments for elderly Russians by 3.7%

, which, according to autumn calculations, should have been at the level or even lower than inflation of 2021. This means that it is enough to compensate for rising prices.

And so it happened - inflation for 2021 has not been officially announced, but preliminary figures show that it was less than three percent. This means that the 3.7 percent increase in pensions in 2021 is even more than the official inflation rate of the previous year.

The so-called fixed payment is now 4,982 rubles 90 kopecks.

As has become customary in recent years, indexation in January affected only non-working pensioners. According to government economists, there is no money for those working in the budget right now. So, in January 2018, every fourth old-age pensioner was again left without a pension increase.

The average pension for a non-working Russian pensioner is now 15,830 rubles, for a working one - 15,320 rubles. Formally, this is much higher than the living wage of a pensioner.

However, there are, of course, pensioners who receive this very minimum - we are talking about elderly Russians whose old-age pension, after its calculation, turned out to be lower than the pensioner’s subsistence level. For them, the state makes an additional payment up to this statistical value. There are many such pensioners, and by and large they are more concerned not with the indexation percentage, but with the cost of living of a pensioner, calculated specifically for their region. It is to this that their pension is adjusted.

Payments for citizens of the disabled group upon loss of a breadwinner

SPC – survivor benefits provided by the state to disabled citizens who have lost funds due to the death of the insured person. This type of welfare (insurance part) is an independent type, independent of the number, amount of IPC pension points, and the insurance part of the deceased breadwinner’s length of service.

Only citizens who are dependents and who were financially supporting the deceased person in full receive payments:

• Relatives who are under 18 years of age;
• Relatives after reaching the age of majority (18 years), but disabled or who have received a disability group by this time;
• Relatives studying full-time (full-time) in state educational institutions who are not older than 23 years;
• Relatives of the age of majority caring for children and other relatives of the deceased who are under 14 years of age;
• Elderly relatives of the deceased or disabled people.

Any person from the listed group can receive SPC benefits, regardless of their length of work experience. Here, 1 day is also enough for the Pension Fund to appoint a welfare officer. The right of appointment is the date of death or recognition of the breadwinner as missing. Only two factors are required: the deceased’s length of service and the absence of an unlawful act on the part of the dependent that resulted in the death of the breadwinner.

The size of the SPC is part of the insurance pension and part of the PV. The amount of the benefit consists of the IPC, the number of insurance payments made to the Pension Fund, which were contributed by the employer, plus the PV determined by the legislation of the Russian Federation.

Pensions for military personnel from 01/01/2018 and persons equivalent to them

The basis for calculating the amount of payments is the amount of the SDS monetary allowance. Welfare can increase due to bonuses for length of service, indexations, and monthly increases. Also, the size of the welfare is influenced by the concepts of the calculated size of the RR. Payments determined by the Ministry of Defense, other law enforcement organizations, departments are calculated in the amounts of SDD, RR.

Types of pensions for military personnel

Payments are being made for military pensioners and persons equated to them in accordance with Federal Law No. 4468-1 of February 12, 1993. The Pension Fund of the Russian Federation is responsible for payments to military personnel, and the Ministry of Defense of the Russian Federation calculates pensions. There are 3 types of payments: for long service, disability and loss of a breadwinner.

Length of service affects the amount of payments and should be 20 years of experience in military service only or 25 years of mixed experience - military and civil service. When calculating based on mixed length of service, military service must be at least 12.5 years.

Formula for calculating military pensions

To calculate welfare, a reduction coefficient is used, the growth of which in 2021 is 72.23%. Formula for calculation: VP – SDD*NVL*T*PK. So: VP is a military pension in a finite amount, SDD is the amount of monetary allowance, NVL is a bonus for length of service, T is the interest rate on salary (depending on length of service), PC is a reduction factor.

Resumption of pension indexation after dismissal

Let us remind you that starting from 2021, working pensioners receive an insurance pension without taking into account indexations. When a pensioner stops working, he begins to receive a pension in full, taking into account all indexations that took place during the period of his work.

In 2021 and 2021, the resumption of indexation of the pension and the start of its payment in full occurred three months from the date of dismissal. In 2021, this procedure also takes three months, but the pensioner will be compensated.

Payment of the full pension amount will be implemented as follows. For example, a pensioner quit his job in March. In April, the Pension Fund will receive reports from the employer indicating that the pensioner is still listed as working. In May, the Pension Fund will receive reports for April, in which the pensioner is no longer listed as working.

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In June, the Pension Fund of the Russian Federation will decide to resume indexation, and in July the pensioner will receive the full pension amount, as well as the monetary difference between the previous and new pension amounts for the previous three months - April, May , June. That is, the pensioner will begin to receive the full pension the same three months after dismissal, but these three months will be compensated to him.