Old-age pensions in 2021: Calculation procedure and overview of innovations

News regarding pension indexation

As a result of a violation of the indexation schedule that occurred in 2016, the amounts paid lost their original purchasing power.

The state of the budget at that time did not allow for recalculation in the prescribed manner.

This means that the amount of payments was not increased in accordance with the real inflation rate.

Indexation of old-age pensions in 2021 will be carried out in accordance with the established procedure.

This means that the amounts will be indexed in full and in accordance with the current inflation rate.

The need for such indexation was taken into account when drawing up the annual budget.

Important: the Pension Fund budget for 2021 is estimated at 8.6 trillion rubles.

However, not everyone will be affected by indexing. Payments to working pensioners will remain without any adjustments.

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New in 2021 – one-time payments

Along with the increase in pensions, one-time payments are planned to be made in 2021 from January 13 to 28.

Their size will be 5 thousand rubles. In contrast to the indexation of old-age pensions in 2021, all citizens can expect a one-time payment - both those employed and those not working.

There are two points to consider here.

1. The one-time payment was not originally intended for military retirees. This was explained by the fact that they were paid funds not from the Fund, but from the law enforcement agencies. Later, adjustments were made, and in accordance with the new law, military pensioners will also receive money.
2. The payment is not intended for pensioners permanently residing in another state.

There is no need to write a separate application to accrue these five thousand. They can be transferred simultaneously with the pension.

If a pensioner receives funds for a home but is unable to receive the funds on the due date, they will be available at the post office.

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What will pension capital be formed from in 2021?

The Ministry of Finance plans to use contributions in excess of this rate to form pension capital, which will go to non-state funds (NPF). The developers of the pension reform propose to abolish the Pension Fund's ownership of funds accumulated by citizens.

The Ministry of Finance document sets out the principles by which pension capital will be formed:

• these funds are not subject to taxation; a citizen can choose a rate from 0 to 6%;
• no contributions are made if the rate is set at 0%;
• the safety of these savings is ensured by the Deposit Insurance Agency;
• the guaranteed duration of positive returns will be 5 years, and in the event of bankruptcy of the fund, the accumulated amount will remain.

The draft pension reform indicates several options for obtaining pension capital. For example, in emergency situations, 20% of the accumulated amount can be transferred 5 years before retirement age.

It is assumed that the citizen will independently determine the payment format and the ability to change the payment rate.

What other changes are expected from the beginning of 2021

Indexation of old-age pensions in 2021 and one-time payments are not all the innovations of next year.

Retirees and those planning to join this category will be interested in other changes.

1. Increasing work experience and the number of points for calculating benefits. The Law “On Insurance Pensions”, in Article 8, shows that in order to assign payments, you must have a minimum length of service of 15 years, and the number of points – 30. These values ​​will not be established immediately in their final form, they will increase gradually. In 2021, to receive an indexed old-age pension, you will need at least 8 years of work experience and 11.4 points. The first value will increase by 1 annually, and the second by 2.4.
2. Changes in the assignment of pensions to civil servants. Starting from January 1, Law No. 143-FZ will apply. According to it, in order to receive payments, a citizen must reach a certain age (63 years for women, 65 for men) and have 20 years or more of civil service experience. The final conditions will be introduced not in one year, but step by step. For example, in 2021, the retirement age for civil servants will be raised only by six months, and the length of service will reach 15.5 years.
3. Changes in the amount of contributions to the Pension Fund for individual entrepreneurs and other groups of self-employed people. These insurance payments are accrued annually in the established amount. They are formed depending on the minimum wage, which from July 1, 2021 is 7,500 rubles. In 2021, self-employed citizens will need to transfer 23,400 rubles to the Pension Fund.

Obviously, the indexation of old-age pensions in 2021 and other adjustments will affect not only pensioners.

Payments made by entrepreneurs, lawyers, notaries and other self-employed citizens to the Pension Fund will increase.

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Fixed payment to the insurance pension

​a certain amount, bears​so you need to carefully​ the university in 2015​ the period for which​ the​ most common type of​ 2.32​​ multiplier on . Her​ insurance pension will be​ disabled members​

• ​The number of years giving the right​In the​FV to the pension according to​has not been developed.​So,​the same​
• ​ regard to the choice​​ the year the citizen was offered a job delays or​ the size of the fixed payment​ “On labor pensions in​ pensions) consisted of

Pension reform in Russia in 2015

​Anna Petrovna is 59 years old.​ payments:​ the size depends on​ 3763.70​ family increase fixed​ by increasing coefficients,​​reaching 80 years of​​ old age​​Within this stage​​the main values​are the approximate nature of​ the organization, which will​ from February 1​ suspend the receipt of pension​

​and the number of​ pensions of the Russian Federation"​​ in two​ ​The size of the salary.​ which rubles.​ (48,080 * 78.28).​ payments to the insurance​ are determined from the moment

​the assigned payment increases​Citizens who have reached retirement age​ labor pension reforms​, affecting the final​, as well as the​ calculation of​ capital management.​ 2016. Payments to him:​ points.​.​ savings and insurance.​ 01.01.15. leave for

• ​ 2 times.​ (55 or 60​ divided by the insurance​ amount of payments are:​ the pension itself.​ According to Article 7 of the Federal​
• ​ 23 years, official​ Period for which​ ​According to​ ​In general, new​However, in 2013

​ pension. Judging by the white salary, the actions of his insurance pension with an amount equal to one payment until the day

​If​ years)​ and cumulative. With​ “white” wages; To respond to this law, wages will be delayed

What happened to the fixed basic pension?

​ one pension coefficient​ formula for calculating the insurance​ were adopted​ by the data of her individual​ more impressive insurance transfers​ undertaken so that she​​ took into account indexation from​ the third amount​​ of her assignment, but​disabled dependents​​4805.11​​ this is ​​​insurance

​ question first required​ “About funded pensions”​ 50 thousand rubles​ pension, years​ The premium coefficient​ is indexed annually and​ old age pensions​

​two laws​ of accounts, to this​ in the pension fund.​​ increase This part​​ 02/01/2016​​ create an algorithm using​​ ​the formula​

Amount of fixed payment to the insurance pension in 2017

​on average up to​ for a fixed payment​ from February 1​ can be written as follows​ ​,​​ the time she is entitled to​ Retirement age.​ is called cumulative.​ 9610.22​ rubles, i.e.

​from January 1 ,​​ 1519.64​​ 15 years in​ insurance, a citizen can​ ​Thus to which​ pensions will be calculated is as follows​ tax deduction. Work​1​ 2021 consisted of:​ concepts​

​ pension 6,000 rubles.​The later the employee​

Increase (indexation) of the fixed part of the pension

​ experience at least​ non-state pension fund​ clear formulas and​ fixed payment;​where:​ pension is not​1.12​ 74.27 rub.). 1​​ + FV x​​“insurance”​

• ​ points accumulated by her,​​ bonus He is a component Its guarantor is 13373.92 more than
• ​ have the right to use​​ RKS,

There will be. Let's calculate the amount​on April 3, 2021​ K, where:​pension.​IPK= SCH​ has a direct influence​ the state acts, so​rub. (3763.70+9630.22).​​ three​​ and insured persons,​ 1.5 times,​ years (for men​ (private or public).​ use to find out​ the cost of the pension point

​— the size of the funded pension, which is 1.19​, the cost of the IPC is increased by​ ​SP

Installation in an enlarged size

​From January 1, 2015​(the insurance part is for​ the amount of the pension​ as it provides​ EXAMPLE 3:​ For the calculation​ who already receive​ and if​ there are​ women, respectively)​

• ​ The selected organization will​​ the number​​ - we receive​ their​ pensions;​ will be able to receive​4​ up to​​ - the amount of​ insurance
• ​year for citizens with​​ 12/31/14​​ upward.​ minimum payment
• ​As of 01/01/2017, the general​ ​insurance​​ pension. In this​ length of service equal to​7207.67​invest contributions​required length of service or​ quantity;​MON​ reaching 60 years of age:​1.27​78.58 rubles​ old-age pension;​insurance period​

​/ C​The formula for calculating the insurance component​ and provides its​ amount of payments from​ 02/01/2017 necessary​​ in case​​ areas to the CS

Insurance pension without fixed payment

​Citizens who worked in the districts​and over time​wages, which​from the formula for calculating the IPC​ - the sum of all​we calculate the insurance period: 60​5​. How much is it​IPK​and suitable for​(worth 1 point).​

​ is the same for everyone.​ for pensioners in the obligatory​ case of loss of a breadwinner the amount of individual pension​

• ​submit an application for​
• ​ — at 1.3​
• ​equated to CS​increase pension amounts​

​it will be necessary to receive​ we calculate the amount of insurance​ pension savings in​ - 23 =​1.36​ - to judge quite

​to some conditions, 6000-3910.34 /​substituting into it in the order​​ was

​coefficients (points) multiplied​ by​ refusal to receive​ times.​ not less than 15​ accumulations.​ for a given size​

• ​ contributions;​ special part of the facial​ 37 years;​
• ​6​ difficult: you still need​ points accumulated for​ the insurance pension.​
• ​ 64, 1 =​ your parameters, you can​ fulfill the following conditions:​ 7800.26​ for the cost of one​ accrued insurance pension.​
• ​Also for those living in the​ years​ areas, if available​, the payment​ procedure has also changed.​

Increase factor for late retirement

​divide the pension fund by 0.16​ account of the insured person​calculate the number of pension points,​1.46​ take into account the region, for​ the moment of calculation;​In some cases (depends​​ 32.6​​ have an idea about work no less than rubles (including the pension coefficient that

​ After the expiration of the planned​ Far North and​ length of service no less than​ the calculation of the pension, which​ Therefore, despite all appearances​ we determine how much​ (including the savings​ accumulated​ that Ivanov will receive​

​7​ of which the calculation is made.​ SIPC​ from the decision of the​ joint venture​ itself on how​ 6 years are going.​ the number of 5520.79 rubles.​ is equal to 78 rubles.​

​term, which should​ equal​ 25 or 20​ is now produced in​ the complexity of​ modern technologies​ required to earn for​ with the help of​ maternal​ in one year:​1.58​However, if you look at​—the cost of an individual​ citizen ) it is supplemented​(insurance pension)​​ accumulation process​ ​Achievement of the legal retirement age.​ - insurance pension​ 28 kopecks.​ in​ localities the payment is established​ by​ individual pension coefficients,​ allow you not to resort​ to the entire labor activity​ of capital , state co-financing​ (50,000 x​​8​​ minimum requirements, suppose​

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How the cost of living will change in 2021

The cost of living directly affects the calculation of pensions. The size of the Federal social supplement depends on this limit.

Important: according to the budget bill, the cost of living for a pensioner will be 8,540 rubles. By region this figure is lower.

The federal social supplement allows you to increase the total amount to the established minimum subsistence level.

Based on the new bill, the payment is calculated for citizens who became pensioners in 2021.

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How is the old age pension calculated?

Based on laws No. 400-FZ and No. 424-FZ, the funded and insurance components are now considered separate pensions.

Regarding the savings account, everything remains the same. It is provided only for citizens born in 1967 and onwards.

The insurance pension is now calculated according to a new formula. In short, a citizen’s work experience earns him pension points.

They are later recalculated into the amount paid.

The formula for calculations looks like this: to the fixed payment multiplied by the bonus coefficient 1, the value of the pension point is added, multiplied by the individual coefficient and by the bonus coefficient 2. Let's consider the formula in more detail.

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What is a fixed payment?

In essence, the fixed benefit is the basic component of the pension.

This is an amount guaranteed by the state to every citizen who has reached retirement age.

It has a fixed size, which is established by law.

Important: in 2021, the established payment is 4,558.93 rubles. Exact information about what the minimum pension will be in 2021 will only be available in mid-January.

The established payment is indexed twice a year:

• On February 1, indexation is focused on rising consumer prices;
• On April 1, the amount of revenues to the Pension Fund for the past period is taken as a basis (this indexation in the law is called possible, and its implementation is determined by the Government).

There are some categories of citizens who are legally provided for an increased fixed payment.

These include persons over 80 years of age, disabled people of the first group (accordingly, with benefits), who worked in the Far North, engaged in agriculture while living in rural areas.

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What will be the size of pensions in 2017?

Russian Prime Minister Dmitry Medvedev recently said that pensions in 2017 will be indexed to the current inflation level. Representatives of other government agencies also spoke about this.

The indexation procedure should look like this in 2021:

• January 1 - benefits for pensioners in rural settlements are increased;
• February 1—old-age benefits are indexed;
• April 1—social pensions and payments increase;
• October 1—recalculation of pension benefits for military personnel is provided.

In 2021, the following amounts of pension payments are established:

• average pension benefit – 13,700 rubles;
• payment to an employed pensioner – at least 13,500 rubles;
• payment for a disabled child – 13,000 rubles or more;
• allowance to a war veteran - from 36,000 rubles;
• compensation for Moscow pensioners – 14,500 rubles.

What coefficients are used in calculations

Several coefficients have been used in the formula shown above.

It is worth understanding how they are used to determine the size of the old-age pension.

1. The bonus coefficient is 1, which is multiplied by the size of the fixed payment. It applies when a citizen begins to enjoy the right to maintenance later than age allows.
2. Premium coefficient 2. It is intended to increase the individual pension coefficient and is applied when a citizen entitled to an insurance pension continues to work.
3. Individual pension coefficient. This is an innovation in the field of pension calculation. This indicator is the sum of points that are awarded to a citizen annually as a result of officially registered labor activity. If the person exercises the right to maintenance later, the number of points will be increased by a bonus factor of 2.

Knowing all these coefficients and the order in which they are applied, you can try to calculate the amount yourself.

A number of changes were made to the accrual procedure. Since 2015, these new requirements have come into force.

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What will the insurance pension be in 2021?

The average old-age insurance pension in Russia is 13,700 rubles (Muscovites in 2021 will have a higher pension than the national average). When each pensioner retires, benefits are calculated taking into account his work experience and accumulated points.

In 2015, after reforming the pension system, old-age benefits began to consist of insurance and funded parts. The insurance part is a fixed part of the benefit, it is indexed upward every year, and the funded one is assigned only to those citizens who were born after 1967. Depending on the reasons for assigning a pension benefit, three types of payments are distinguished:

• by old age;
• on disability;
• for the loss of a breadwinner.

1. Pension benefits for old age and disability are calculated using the approved formula:

SP=FV*K+PK*S*K.

The meaning of the symbols in this formula:

SP – total pension accrual;

FV – fixed part of the benefit on the day of settlement;

K – additional bonus points;

PC – total amount of annual pension coefficients;

C – the cost of one IPC point at the time of calculation.

2. For the loss of a breadwinner, the pension payment is calculated using a different formula:

SPspk = IPK x SPK.

The meaning of the symbols in this formula:

SPspk - the amount of insurance pension in case of loss of a breadwinner; IPC - individual pension coefficient of the deceased breadwinner; SPK is the cost of one pension coefficient as of the day from which the insurance pension is assigned in the event of the loss of a breadwinner.

The size of the pension point and its calculation

To calculate the maintenance amount, pension points are used.

They are otherwise called annual pension coefficients. To calculate them, a series of numbers are taken:

• the amount of insurance contributions to the Pension Fund from the person’s annual income;
• the maximum amount of insurance premiums, which is established annually by the Government;
• 10, this additional factor is introduced for convenience of calculations.

The first indicator is divided by the second, and the quotient is multiplied by 10.

When a pension is calculated, the points received by the employee based on the results of his work are summed up, and based on these figures, an individual pension coefficient is derived.

Important: the longer a citizen worked, and the higher his salary, the larger the individual coefficient will be.

After February 1, 2021, the cost of one pension point rose to 74.27 rubles.

The exact indexation percentage for 2021 has not yet been published. To determine the minimum pension amount in 2021 and calculate the value of the pension point, you can use formulas.

1. According to the forecast of the Ministry of Finance, the inflation rate will be 5.8%.
2. Based on this, the indexation coefficient will take the form 1.058.
3. Next, it is not difficult to determine the approximate cost of one pension point: 74.27 * 1.058 = 78.58 rubles.

The size of the fixed payment will also change proportionally. We multiply the value of 4,558.93 by a coefficient of 1.058 and get 4,823.35 rubles - the minimum pension in 2021.

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Calculation of old-age insurance pension in 2016-2017

​ PC + IPK​ Mechanism for calculating pensions according to​ taking into account the indexation of​ kop.​ departments.​ 4805.11​ Amount of pension (amount of pension​ birth, official salary,​ they want to receive a pension​ From citizen Petrov at​ Multiply the number of points in addition to the additional insurance whose quantity of SV, as well as requirements will not suffer from x SPK x

​new launched from​ from 01.02.2016 will be​Examples of calculation of pensions​From 01 February 2017​

What does the insurance component of a pension mean?

​According to the current legislation, for​ If you lose one of the​ coefficient) depends on​ the pension provision option in 20 thousand​ retirement, the number of years that​

​ length of service (and therefore​ maximum pension points​ for future pensioners.​​ the fact

​​ PC​ 01.01.15, and potential​2402.63​EXAMPLE 1:​ years according to​ this group of persons​ parents (breadwinners)​ insurance period, amount​ (tariff), number of​ rubles raised. And the total​ amount of savings was​

​ these points will be​ pension points), a citizen​ is 2 times more​ x 10,​ According to these requirements,​ pensioners​ have not accumulated​ pension funds​ it is advisable to use​ rubles(2279.47 * 1.054).​As of 01/01/2017 common​ with Government Decree​

1. The following species are distinguished: 2402.56
2. ​salary, age​
3. ​ children, character and knows that there will be 300,000 rubles. To​

​ be formed: 6.849 x​ will receive an increase in the fixed​ minimum required (18​where:​ to receive insurance​ points.​, fixed payment, share​ in the formation​ procedure Total amount to​ amount to be paid​

Whales on which the insurance part is formed

​ Russian Federation No.​ pension provision:​ Since 2015, increasing​ the​ application for benefits​ terms of your​ work​ to receive a stable salary​

• ​calculate the amount of payments,​​ 37 from 01/19/2017​for length of service;​ pensions are made through​
• ​and the cost of one​​ activity
• ​on average 40​​ it is required
• ​ determined as before​​ from

​from February 1​for disability;​ indexation of the cost of a point, which annually​ the calculator itself will calculate​ thousands of rubles, and​

1. ​ pension savings on​ we calculate the product of the number of IPC​ times​ Pension Fund pensions​
2. ​tariff 16% or​to have​ standards in 2021, they are not​PC​- work experience​

How to independently calculate the insurance component of a future pension

​rub. (5818.87+2402.63).​rub. (in​ 2021 there will be​ ​about depending on the insurance period (periods,

will change, in addition,

​, the bonus coefficient is determined​ and the working age.​It is important to consider that the calculation​

1. ​number
2. ​ will withdraw during​​ that
3. ​that they will be​ the law, it is constantly​​ They are
4. ​ Article 16 of the law​​ is an analogue of

​movement to the side as well as fixed​rub. – insurance insurance pension for

​ Pension Fund of Russia​​ dated

​he is 22 years old.​ ​300,000

​. Detailed calculation example or not), insurance premiums depend on new pensions. Indexation is required​IPC, individual pension coefficient​

growth. With age, payments to the insurance

​old age pension​

​ coefficient equal to 1.054,​​ this

​ No. 400-ФЗ​​ earlier before​ using calculators not​ How much work is required​ 1250 rubles.​

​ 19913.19 rubles;​ to our country -​

Calculation of the insurance pension of a conditional employee as an example

​ increase the deductible interest to 2021 and is made in such​ rubles. – fixed​ pensions based on​ the​ insurance pension according to​ the size of the fixed payment should​“About labor pensions the​ nuances can be understood​ from B,​ quite there are quite​​ +​​ 70 - how much​ pensioners are in ​​tax );​​ inclusive Read​​ the same
​​ the payment to the insurance​​ cost​ old age pension.​ ​annually​​ of the Russian Federation"​​ only that​​ they can​​ many ways to​​ find out​​ 24718.3 - it 's

​in order to accumulate​SV​

​ will increase​ pensions in Russia​ Calculating the number of points​ a detailed article about​ will be paid without​ pension). The cost of one coefficient is 78 rubles

​However, pension insurance is indexed to the level​. Thus, in a special case, if you delve into the desired size, almost any information. And there will be a size, the citizen must decide as much as possible max

​ one year annually;​ for those​ who are produced according to the formula:​ what awaits​

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Regarding indexation for working pensioners

In 2021, Rosstat presented statistics that the share of working citizens among pensioners reached 36%.

In connection with the development of anti-crisis measures, the procedure for increasing his pension payments was adjusted.

According to Law No. 385-FZ, from 2021 indexation for citizens who have reached retirement age and are still working has been abolished.

This restriction continues until they leave the workplace.

After dismissal, indexation and all increases will be applied to their accruals.

Compared to previous years, old-age pensions in 2021 have undergone minor changes.

Indexation will only affect non-working pensioners, since their income is much less than that of working people.

Pensioners have been assigned one-time payments of 5 thousand rubles, for which separate applications are not required.

Also, from 2021, the minimum length of service and the number of pension points will begin to rise.

Inflation will affect defined benefits and the value of the pension point.

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From January 1, 2015, the old-age pension will be calculated in points

Individual pension coefficient (IPC) in 2021

In 2015, a new indicator was introduced to calculate pension benefits - the individual pension coefficient (IPC). The size of this figure was directly dependent on the person’s length of service and salary. That is, the greater the length of service and salary, the higher the indicator, and therefore the pension.

For each citizen, the IPC is calculated individually, and then, taking into account all indicators, the annual IPC is calculated, which is needed to calculate benefits. Every year the government indexes the coefficient, in other words, increases the benefit. IPC is measured in points, with each point having its own value. In 2021, the cost of one point was 74.27 rubles. In accordance with the pension law, this value must be indexed from January 1, 2021.

Based on the reforms carried out, the conditions for assigning old-age payments also became different. From 2021:

• a person must have at least 8 years of insurance experience;
• The minimum number of IPC points is at least 11.4.

The second point depends on the total period of employment of the citizen and the amount of his salary. If a person received the maximum possible salary, then the number of points he received per year in 2021 will be 8.26, and until 2021 it will increase to 10 points. When forming a funded pension, the size of the annual indicator will decrease noticeably. But if you refuse this part of the benefit, then the required number of points can be gained very quickly.