Even for the legally guaranteed indexation of pensions to the amount of annual inflation, the state budget would have to “fork out” eight hundred billion rubles in 2021. However, the state did not have that kind of money for pensioners.
Why did working pensioners lose their pension recalculation?
The government found an opportunity to allocate more than three times less for indexation of pensions - 250 billion. Despite the fact that pension legislation does not rank older people based on their involvement in the labor process after reaching retirement age, they are divided into two categories - those who continue to work and those who have retired.
Starting from 2021, the government decided to refuse indexation of their pensions to working pensioners, promising instead of an increase to monthly payments, abstract points and coefficients that will be taken into account when retiring.
Refusal to receive a pension and continuation of work after retirement age is the most preferable option for the state treasury. In this case, the employer will continue to transfer taxes, pension contributions and other obligatory payments to the budget for the elderly employee, the calculation base for which is the “salary” fund.
In this case, a person of retirement age will not become a “burden” for the budget; on the contrary, he will be a source of increasing budget revenues. And, if we are to be completely honest, the natural death of older people also reduces the pension burden on the budget: after all, only a funded pension can be included in the inheritance, while the insurance pension remains in the state pocket.
Many older people do not want to retire themselves. If health allows, and the employer does not object, they are ready to fulfill their professional duties even after retirement age. But not everyone gives up their legal pensions, preferring to receive both salary and due pension payments.
The Russian government decided that this was not entirely fair and announced that if a pensioner is able to work, then the state is not obliged to index his old-age pension.
However, the authorities have not yet gone further than this. In any case, the August recalculation of their pensions will be carried out.
How much have working pensioners lost?
In 2021, the state took away pension increases from working pensioners. Although the law seems to be the same for everyone. And working pensioners also regularly paid pension taxes from their salaries all their lives, like others. There is not enough money in the country, but these people can live on their earnings, the authorities calculated.
In 2021, pensions were supposed to be indexed by 5.8%, to this we must add 12.9% of the failed indexation in 2021. The pension of a working pensioner was supposed to increase by 2,524 rubles 50 kopecks per month. Or 30,294 rubles - this is how much on average a working pensioner did not receive a legal pension from the state for the entire 2021
.
Recalculation of pensions for working pensioners: what is it?
If a person continues to work after reaching retirement age, the employer sends contributions to the Pension Fund for him, as determined by law. These accumulated transfers over 12 months are the reason that the original or last year's calculation becomes incorrect.
The procedure for including newly received contributions into a person’s personal pension “capital” is called recalculation. The recalculation concerns old-age and disability insurance pensions. The law also provides for other circumstances in which pension amounts must be “recalculated.” This adjustment is carried out annually in August.
The mandatory August adjustment applies to insurance pensions that are assigned to working pensioners: when they “enter” retirement age, in case of disability or loss of a breadwinner, when changing one type of pension to another.
Pensions for the entire year 2021 are subject to recalculation. The amount of the additional payment will be included in monthly payments from August, and the “bonus” for the first seven months of the year will be given to older people in a lump sum.
Working pensioners upon dismissal are returned contributions to the pension fund
Most retirees continue to work. But many employers fire people who have reached retirement age. It is at this moment that pensioners think about recalculating their insurance pension.
Law abolishing indexing Workers include
- people from whose wages deductions are made to the Pension Fund budget;
- self-employed retired citizens (notaries, lawyers and others).
Attention: the ban on indexation did not affect benefits assigned by state support, including social benefits.
Calculation of pension recalculation for working pensioners
During the August recalculation of pensions in 2021, all arithmetic operations to change the size of the old-age pension will be based on innovations - points and coefficients. If a pensioner who continues to work does not have savings contributions, then the maximum he can hope for is an additional three points (with a salary of at least twenty thousand per month).
One ball costs 74 rubles 27 kopecks. Multiplying by three gives the increase amount after recalculation - less than 223 rubles. If the employer made contributions to the funded part for his employee of retirement age, then the maximum point for recalculation is 1.875, in other words, the pension will “grow” by 139 rubles 26 kopecks. And, as they say, don’t deny yourself anything! By the way, if the salary is more than twenty thousand, the number of “additional” points will not change.
For each pensioner, recalculation is made individually, depending on how many pension contributions have been received into his account. So the indicated numbers are the “ceiling” of pension growth after August 1, 2021. In reality, many pensioners will receive significantly less added to their pensions.
Pension contributions are taken from working pensioners
But times change. In the year I resigned from the position of general. I am not recognized as NOT a working pensioner. This is right. I do not receive a salary, there are no contributions to the Pension Fund. You have income from an LLC. You have or should have at least a profit income. This month there should be indexation, but my pension was transferred even less by rubles than in the city. The question is, where can I find detailed information on the basis of what laws the Pension Fund of the Russian Federation takes a pension without deductions of insurance contributions and whether it is possible to submit an application to the Arbitration Court.
I am 75 years old and retired. I do not work. But they haven’t indexed my pension since January due to the fact that I am listed in the Pension Fund as a working pensioner and the pension department receives pension contributions supposedly from my employer.
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Recalculation of pension with and without application
In addition to the annual August recalculation, social and insurance pensions for working pensioners can be recalculated under other circumstances mentioned in the current legislation. Moreover, in some cases, recalculation is carried out without a special application to the pension fund or social security authority, in others it is necessary to write an application.
An application is not required if the pensioner is 80 years old or the disability group has changed: in these cases the fixed payment is “recalculated”.
If circumstances arise in the life of a working pensioner due to which the insurance pension can be either increased or decreased, a written appeal will need to be sent to the pension fund.
“Northern” work experience, adding the number of dependents (but not more than three!), changing “status” (for example, an orphan child with one parent becomes an orphan) are circumstances that should be indicated in the application to increase the size of the fixed payment.
The separation of rural residents into a separate category of pensioners with special conditions for calculating pensions also has a downside. If a pensioner moves from a village to a city, he should notify the pension fund, which will recalculate his pension, removing the “rural supplement” from it.
After an “application” recalculation, an increase or reduction in pension occurs from the month following the application.
It is unlikely that anyone would dare to call the increase in pensions after recalculation sufficient. Minor additional payments are not capable of radically changing the material well-being of older people. And the situation is unlikely to change for the better in the coming years. All professionals who are in one way or another involved in pension restructuring are united in this.
How much money will working pensioners lose next year?
The retirement age will begin to rise next year, but bills to restore the indexation of pensions for working pensioners are still rejected by parliament citing a lack of necessary funds.
Throughout the entire period of employment, the only change in the pension will be the number of pension points: annually, based on the results of the August adjustment, it increases due to points earned during the previous calendar year. But you still cannot add more than three points.
Recalculation of pension after dismissal in 2021: procedure and timing
Question two:
Is it possible to compensate for all amounts lost during the years of work in retirement? The benefit has stopped being indexed in 2021. I worked the entire period. So in January 2021 I went on vacation. I'm waiting for recalculation. Will all underpayments be taken into account for me? Maybe I need a special application?
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In most cases, SNILS + passport is a standard package for the Pension Fund in the event of a revision of the payment amount. A statement is also drawn up. If necessary, an authorized employee will independently make requests to the necessary authorities in order to collect the necessary information.
How much money will working pensioners lose in 2021?
Therefore, in 2021, pensioners whose pensions were paid before February 2021 will face the greatest losses. For example, in December 2021, a non-working pensioner was assigned a pension based on 100 points and a fixed part of 4383.59 rubles. With the maximum adjustment, the pension of a working citizen next year will be 109 points (71.41 rubles per point). And in January he will receive payments in the amount of 12,167.28 rubles, instead of 14,843.35 rubles.
At the beginning of 2021, the retirement age will increase, and the parliament still rejects the bill to restore indexation for working pensioners, citing a lack of funds in the budget. Therefore, in the new year, employed pensioners will remain without indexation and social additional payments. How much will the overall losses of employed pensioners increase, given the upcoming changes?
How much money do working pensioners lose due to the pension indexation system?
Thirdly, the annual recalculation of pensions for working pensioners, which is made taking into account the contributions paid by the employer in the previous year, is carried out in August. Accordingly, from January to July the pensioner receives a pension in the same amount.
Secondly, working pensioners are not entitled to a federal social supplement to their pension. This means that a working pensioner with a small pension is not guaranteed the “minimum wage” by the state. Of course, he receives a salary, which means, theoretically, he is not below the poverty line.
