Old age pension in 2021 - minimum amount, indexation

Types of pensions in Russia

In the Russian Federation, there are several types of pensions, which are divided according to the conditions of assignment. According to Federal Law No. 166 of December 15, 2001, the pension can be:

• Old-age insurance (otherwise called labor insurance) - to receive it, you must reach retirement age, have at least the minimum insurance period and the required number of points.
• Social - payments of this type are assigned in the event of the loss of a breadwinner, disabled people or persons who have lived to old age but do not have the necessary length of service.
• State - such provision is intended to compensate for lost income for certain categories of citizens (for example, victims of radiation, military pensioners or test pilots). This type of accrual depends on a number of conditions - the absence of another form of income, the presence of work experience, etc.

How is the old age pension calculated?

In accordance with pension legislation (and this is the federal law of December 28, 2013 No. 400-FZ “On Insurance Pensions”), which came into force on January 1, 2015, the procedure for calculating social benefits in old age implies the fulfillment of several conditions. These are conditions such as:

• Reaching retirement age (55 and 60 years for women/men).
• Required experience. This figure increases annually, and for 2018 it is 9 years.
• Availability of the required amount of pension points. For 2021, this number is 13.8 points.

Those who want to apply for an old-age pension in 2021 must take into account that when calculating the insurance period, only the time of official employment is taken into account (that is, when the employer made transfers to the pension fund). Unofficial work or freelancing without a record of employment does not in any way affect the length of service, so those who seek to receive social benefits from the state upon retirement must get an official job.

For what years will the salary of a pensioner in 2021 be calculated?

- Hello Tamara Pavlovna, everything is written in the law itself. Meet him.

Article 8. Conditions for assigning an old-age insurance pension [Law “On Insurance Pensions”] [Chapter 2] [Article 8]

1. Men who have reached the age of 60 years and women who have reached the age of 55 have the right to an old-age insurance pension.

1.1. Persons holding government positions in the Russian Federation and government positions in constituent entities of the Russian Federation being filled on a permanent basis (hereinafter referred to as government positions), municipal positions being filled on a permanent basis (hereinafter referred to as municipal positions), positions in the state civil service of the Russian Federation and positions in the municipal service (hereinafter referred to as positions of the state civil and municipal service), an old-age insurance pension is assigned upon reaching in the corresponding year the age specified in Appendix 5 to this Federal Law.

2. An old-age insurance pension is assigned if there is at least 15 years of insurance experience.

3. An old-age insurance pension is assigned if there is an individual pension coefficient of at least 30.

Article 13. Procedure for calculating the insurance period

[Law “On Insurance Pensions”] [Chapter 3] [Article 13]

1. The insurance period is calculated in calendar order. If the periods provided for in Articles 11 and 12 of this Federal Law coincide in time, when calculating the insurance period, one of such periods is taken into account at the choice of the person who applied for the establishment of an insurance pension.

2. The insurance period does not include periods taken into account when establishing a pension in accordance with the legislation of a foreign state.

3. When calculating the insurance period, the periods of activity of persons who independently provide themselves with work, heads and members of peasant (farm) households, members of family (tribal) communities of indigenous peoples of the North, Siberia and the Far East of the Russian Federation, engaged in traditional economic sectors, periods of work for individuals (groups of individuals) under contracts are included in the insurance period subject to payment of insurance contributions to the Pension Fund of the Russian Federation.

4. When calculating the insurance period required to acquire the right to an old-age insurance pension by citizens receiving a long service pension or a disability pension in accordance with the Law of the Russian Federation of February 12, 1993 N 4468-1 “On pension provision for persons who served in military service” service, service in internal affairs bodies, the State Fire Service, authorities for control of the circulation of narcotic drugs and psychotropic substances, institutions and bodies of the penal system, and their families,” the insurance period does not include periods of service preceding the assignment of a disability pension, or periods of service, work and (or) other activities taken into account when determining the amount of a long-service pension in accordance with this Law. In this case, all periods that were included in the length of service are considered taken into account, including periods that do not affect the amount of the long service pension or disability pension, in accordance with this Law.

5. When calculating the insurance period required to acquire the right to an old-age insurance pension by citizens from among the cosmonauts receiving a long service pension or a disability pension in accordance with Federal Law of December 15, 2001 N 166-FZ “On State Pension Provision in Russian Federation", the insurance period does not include periods of work (service) and (or) other activities preceding the assignment of a disability pension, or periods of work (service) and other activities taken into account when determining the amount of the long service pension in accordance with the specified Federal by law, unless otherwise established by an international treaty of the Russian Federation.

6. When calculating the insurance period, periods of work during the full navigation period on water transport and during the full season in organizations of seasonal industries determined by the Government of the Russian Federation are taken into account in such a way that the duration of the insurance period in the corresponding calendar year is a full year.

7. Persons who performed work under copyright contracts in the corresponding calendar year, as well as authors of works who received payments and other remuneration in the corresponding calendar year under agreements on the alienation of the exclusive right to works of science, literature, art, publishing license agreements, licensing agreements on granting the right to use a work of science, literature, art, if the total amount of insurance contributions paid to the Pension Fund of the Russian Federation from payments and other remunerations received under these agreements during a given calendar year amounted to at least the fixed amount of the insurance contribution for compulsory pension insurance, determined in accordance with the legislation of the Russian Federation on taxes and fees, the insurance period includes a period equal to a full calendar year (from January 1 to December 31), in which insurance contributions to the Pension Fund of the Russian Federation are paid from payments and other remunerations under these contracts. If the total amount of insurance premiums paid during a calendar year for these persons is less than the fixed amount of the insurance premium for compulsory pension insurance, a period (in months) of duration calculated in proportion to the insurance premiums paid, but not less than one calendar month, is included in the insurance period. (30 days). The period counted towards the insurance period in connection with the payment of insurance contributions to the Pension Fund of the Russian Federation from payments and other remunerations under these contracts, if there are periods of work and (or) other activities in the corresponding calendar year, other periods are taken into account in such a way that the insurance period for the corresponding calendar year did not exceed one year (12 months).

8. When calculating the length of service in order to determine the right to an insurance pension, periods of work and (or) other activities that took place before the entry into force of this Federal Law and were counted towards the length of service when assigning a pension in accordance with the legislation in force during the period of implementation work (activity) may be included in the specified length of service using the rules for calculating the relevant length of service provided for by the specified legislation (including taking into account the preferential procedure for calculating length of service), at the choice of the insured person.

Article 14. Calculation rules and procedure for confirming insurance experience

[Law “On Insurance Pensions”] [Chapter 3] [Article 14]

1. When calculating the insurance period, the periods provided for in Articles 11 and 12 of this Federal Law, before registering a citizen as an insured person in accordance with the Federal Law of April 1, 1996 N 27-FZ “On individual (personalized) registration in the compulsory pension system insurance" are confirmed on the basis of individual (personalized) accounting information for the specified period and (or) documents issued by employers or relevant state (municipal) bodies in the manner established by the legislation of the Russian Federation.

2. When calculating the insurance period, the periods provided for in Articles 11 and 12 of this Federal Law, after registration of a citizen as an insured person in accordance with the Federal Law of April 1, 1996 N 27-FZ “On individual (personalized) registration in the compulsory pension system insurance" are confirmed on the basis of individual (personalized) accounting information.

3. When calculating the insurance period, the periods of work on the territory of the Russian Federation, provided for in Article 11 of this Federal Law, before registering a citizen as an insured person in accordance with the Federal Law of April 1, 1996 N 27-FZ “On individual (personalized) accounting in the system compulsory pension insurance" can be established on the basis of the testimony of two or more witnesses if work documents are lost due to a natural disaster (earthquake, flood, hurricane, fire and the like) and it is impossible to restore them. In some cases, it is possible to establish length of service based on the testimony of two or more witnesses in the event of loss of documents and for other reasons (due to careless storage, intentional destruction and similar reasons) not through the fault of the employee. The nature of the work is not confirmed by witness testimony.

4. The rules for calculating and confirming the insurance period, including using electronic documents or based on testimony, are established in the manner determined by the Government of the Russian Federation.
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Who is entitled to old age insurance pensions?

The legislation clearly defines the persons who can receive pension payments. These people can be divided into the following categories:

1. Citizens of Russia: women at least 55 years old, men – 60 years old, with an established amount of insurance coverage.
2. Citizens of Russia who are in the civil service: - from January 1, 2017, an increasing coefficient will be introduced - annually the retirement age for this category will increase by six months (with a “ceiling” of 63 and 65 years for women/men). For this category, the old-age pension in 2018 is intended for women who have reached 56 years of age, and for men - 61 years of age.
3. Citizens of Russia who have worked in the northern territories (and equivalent areas) for at least 15 years: women at least 50 years old, men - 55 years old.
4. Foreign citizens: women at least 60 years old, men – 65 years old, with Russian work experience of at least 15 years.

To calculate payments, the Pension Fund has special formulas that take into account age, length of service and other indicators. It is important that work experience also includes time spent studying at a higher educational institution or military service. Working in hazardous conditions means early retirement (as a rule, the amount of payments in this case will be larger).

Conditions of receipt

The minimum length of service and the individual pensioner coefficient (IPC) are not constant values ​​- until 2025, they will increase annually. Therefore, the requirements for those retiring in old age will change every year. The table shows this dynamics, according to the Law “On Insurance Pensions”:

What is early retirement?

Russians acquire the right to take a well-deserved rest for various reasons, including at their own request. Some categories of citizens, due to their professional activities and social factors, according to the law, have the right to go on vacation earlier than the general deadlines established by law:

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• at the age of 60 – for men;
• upon reaching the 55th birthday - for women.

Preferential (early) pension is a monetary allowance that can be paid to a person who has not reached the generally established retirement age, but who has a legally designated work experience in a specific specialty or a certain social status. To assign payments, certain requirements must be met:

• Professional activity. A person has the right to early retirement if he works in dangerous or difficult conditions and his work may pose a particular danger to health and life.
• Special territorial conditions. Citizens who work in the Far North or other territories that are traditionally equated with them will retire early.
• Social. The right to early pension provision under the law is granted to people who have a certain social status. These include mothers with many children, residents of the Far North, leading a traditional lifestyle, disabled people, and dwarfs.

How to apply

Making payments involves a certain sequence of actions. It looks like this step by step - you need to:

1. Collect the necessary documentation confirming the length of service and benefits provided.
2. Prepare an application for the Pension Fund and submit it along with a package of documents.
3. If necessary, you must provide the required documentation.
4. Find out about the positive decision and start receiving pension payments.

Where to contact

An application for receiving payments is submitted to the local branch of the Pension Fund of Russia (PFR). Another option is to do this through the Multifunctional Center (MFC). In this case, the recipient of payments can:

• contact in person;
• use the services of a legal representative;
• fill out an application electronically on the Pension Fund website;
• send the document by mail;
• do this with the help of your employer.

Russian citizens who have traveled abroad must submit an application directly to the Pension Fund (Moscow, Shabolovka St., 4). In all cases, the date of application will be considered the day when the application was accepted (the letter was sent), and if the document is prepared in electronic form, the time of submission via the Internet. It is necessary to take into account that it is necessary to prepare and submit an application no earlier than a month before the retirement date.

What documents are needed

In addition to the application, it is necessary to submit a number of documents confirming that the applicant is entitled to an old-age pension in 2018. The package of documents must include:

• passport of a Russian citizen (or residence permit for foreigners);
• document on compulsory pension insurance (SNILS);
• work book and other documents confirming work experience and its duration;
• data on average monthly earnings for the last 5 years;
• supporting documents in the presence of additional circumstances (for example, early retirement for workers in the Far North).

Appointment dates

An application submitted to the Pension Fund of Russia is considered within ten working days from the date of submission or mailing, while 3 months are given to prepare the documentation package. If this deadline is not met, the submission time is considered to be the day the last document was submitted. Payments are assigned from the time the application is submitted, but not earlier than the required age. However, if an employee quits his job and prepares an application within 30 days, payments can be assigned earlier than the day of application and the pension is assigned from the next day after completion of work.

Pension payments are made every month. At the same time, the recipient can choose the delivery method convenient for him. In addition to the recipient himself, a pension can be issued to a trusted person - this requires a power of attorney and annual confirmation of the pensioner’s registration at the place of receipt.

Existing methods for delivering pension payments provide the recipient with the opportunity to choose the option that is suitable for him (by notifying the Pension Fund about this via a personal request or by logging into his personal account on the website). These are options such as:

• Using Russian Post - home delivery or collection at the post office. When delivering to your home, a schedule is set and the end date of the delivery period is determined - it will be different for different post offices, so it needs to be clarified in advance. If pension payments are not claimed within six months, they are suspended until the circumstances are clarified.
• Through the bank - directly at the branch or with a transfer to a plastic card. Money is transferred without commission, on the day the funds are received from the Pension Fund, and you can withdraw them from the card at any time. From July 1, 2017, for pension payments, banks issue exclusively plastic cards of the national payment system “Mir”.
• Through an organization engaged in the delivery of pension payments - a complete list of these organizations is on the Pension Fund website. The procedure for receiving it is the same as using Russian Post - at the company’s office or with home delivery.

Early assignment of payments and benefits

Not only those who belong to the Lists given above, but also other groups of the population have the opportunity to get an early vacation. Actually, here it is necessary to distinguish between such concepts as going on vacation ahead of time and the possibility of receiving social benefits. For the first option, a certain length of service is required, for the second - the assignment of benefits even if the person has never carried out work activities.

So, for example, a woman has the right to early rest if she has raised five or more children. But for this she must be at least 50 years old and have at least 15 years of experience.

The exception is ladies who perform their duties for a certain time in the Far North. They must have two or more children and at least 20 years of experience, at least 12 of which they must have worked in the North. In order to leave their job, they again must be at least 50 years old.

Persons caring for disabled people also receive the right to receive benefits, but only under the following conditions:

• for males - the minimum age must be 55 years, work experience - from 20 years;
• for women – 50 years and 15 years of experience.

We should also talk about the unemployed. After a citizen quits, he receives for another two months the same income as he received at his last job.

If a person has not found a new job, he can register with the Employment Center. Center employees offer a man to apply for an early benefit if he is already 58 years old, and a woman - 53 years old. In this case, the privilege is issued only with the consent of the unemployed.

Using maternity capital to form the funded part of a pension

Also, if a person has certain health problems, or if he has the first, second or third group of disability, then he can count on benefits. The only condition for it is the presence of insurance experience.

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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Increase in old age pension in 2021

Pensioners belong to the category of socially unprotected disabled citizens (only a few continue to work after retirement), so they are very susceptible to changes in consumer prices. In order for the paid pension to correspond to the level of inflation, the amount of payments is adjusted annually (indexation). As inflation rises, the insurance pension will also increase within the prescribed indexation limits and taking into account the cost of the IPC. Thus, from February 1, 2018, old-age pensions and fixed payments will increase by 5.8%.

Minimum size

The amount of the minimum old-age pension is directly related to the pensioner’s subsistence level (PMP), which is established annually by the Russian Government (for example, for 2021, the PMP is 8,540 rubles). At the same time, different regions may have their own allowances from local budgets, so PFP-2017 for Moscow is 11,561 rubles, for the Moscow region - 9,161 rubles, and for Yakutia - 13,907 rubles.

What to do if your pension is below the subsistence level

In some regions, the minimum old-age pension in 2018 is less than the subsistence level of a pensioner - for example, Ivanovo (RUB 7,977) and Kursk (RUB 7,460) regions can be cited. Looking at the list of pension benefits by region of Russia, the difference in the size of pension accruals is very noticeable, but this does not mean that pensioners in these federal subjects are forced to endure hardships, as it may seem at first.

In a situation where regional payments are lower than the federal PMP, a premium is established for pensioners to compensate for this difference, based on additional laws adopted by regional authorities. The smallest amount that will be paid to a Russian old-age pensioner in 2021 will be equal to 8,540 rubles - in pure form or with increases if necessary.

Pension system: what awaits Russians in 2021

A number of events and changes will occur in the Russian pension system in 2021 that will affect all participants in the compulsory pension insurance system: both current and future pensioners.

Increasing pensions and social benefits

Despite the fact that insurance pensions increase by the level of actual inflation over the past year, in 2021 pensions increased above the 2021 inflation rate. Already from January 1, and not from February, as before, insurance pensions of non-working pensioners increased by 3.7%. The size of the fixed payment after indexation is 4,982.9 rubles per month, the cost of the pension point is 81.49 rubles. As a result, the average annual old-age insurance pension increased to 14,075 rubles, for non-working pensioners - to 14,329 rubles.

From February 1, the size of the monthly cash payment (MCB) received by federal beneficiaries will be indexed to the 2021 inflation rate.

State pension benefits, including social ones, will be increased by 4.1% from April 1. As a result, the average annual social pension will increase to 9,045 rubles. The average social pension for disabled children and people with disabilities since childhood of the first group will be 13,699 rubles.

Pensioners who worked in 2021 will have their insurance pensions increase in August 2021 - the Pension Fund of the Russian Federation will carry out the traditional non-declaration adjustment of insurance pensions.

At the same time, as before, in 2021 there will be no pensioners in Russia with a monthly income below the pensioner’s subsistence level (PSL) in their region of residence. All non-working pensioners will receive a social supplement to their pension up to the PMP level.

All expenses for social and pension obligations of the Pension Fund are financially supported and taken into account in the Fund’s budget.

Assignment of pensions

According to the pension formula, which has been in force in Russia since 2015, to qualify for an old-age insurance pension in 2021, you must have at least 9 years of experience and 13.8 pension points.

The maximum number of pension points that can be earned in 2021 is 8.7.

The expected payment period when calculating the funded pension in 2018 is 246 months. This parameter is used only to determine the size of the funded pension; the pension itself is paid for life.

Every citizen can apply for any type of pension without leaving home - applications for a pension can be submitted through the citizen’s Personal Account on the Pension Fund website or the government services portal, where you can also change the pension provider.

As before, the main type of pension in Russia in 2021 is an insurance pension. The number of its recipients in 2021 is 40.35 million people. Another 4 million people are recipients of state pensions.

New type of pension

Since 2021, a new type of pension has been introduced in Russia - a social pension for children whose both parents are unknown. The reason for the emergence of a new type of pension was that children whose parents are unknown, or, more simply put, “foundlings”, were initially placed in an unequal financial position compared to orphans - since they were not entitled to receive a pension in the event of the loss of a breadwinner, since legally they never had either parent.

According to preliminary data, this pension can be established for about four thousand “foundlings”.

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. 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.

Formation of pension savings

The moratorium on the formation of pension savings has been legally extended into 2021. Let us remind you once again that this is not a “freezing of pensions” and certainly not a “withdrawal of pension savings”. The moratorium on the formation of pension savings means that those 6% of insurance contributions that could go to a funded pension are directed to the formation of an insurance pension. Thus, in any case, all insurance contributions paid by the employer for a citizen participate in the formation of the pension in full.

The moratorium does not in any way affect the possibility of transferring pension savings to management companies or from one pension fund to another at the request of a citizen. But you need to remember that changing your pension fund more than once every five years is unprofitable, since this step reduces the accumulated investment income.

The results of the transition campaign for 2021 for the transfer of pension savings will, as always, be summed up by the end of the first quarter of 2018.

Maternal capital

A number of significant additions have been made to the maternity capital program since 2021.

Firstly, low-income families who will have a second child from January 1, 2018 will be able to receive a monthly payment from maternity capital. Low family income means income that does not exceed 1.5 times the subsistence level of the working-age population in a constituent entity of the Russian Federation. The size of the payment also depends on the region - it is equal to the subsistence minimum for children, which was established in the constituent entity of the Russian Federation for the second quarter of the previous year. If a family applies for a payment in 2018, its amount will be the subsistence minimum for children for the second quarter of 2021.

Secondly, the three-year moratorium on the disposal of maternity capital for preschool education of children has been lifted.

The opportunity to join the maternity capital program has been extended until December 31, 2021. That is, to obtain the right to maternity capital, it is necessary that the child who gives the right to the certificate be born or adopted before December 31, 2021. At the same time, the receipt of the certificate and the disposal of its funds are not limited by time.

The remaining areas for using maternity capital remain the same: improving living conditions, paying for educational services for children, forming a mother’s future pension and paying for goods and services for social adaptation and integration of disabled children into society.

You can apply for a certificate and manage its funds through the citizen’s Personal Account on the Pension Fund website or the government services portal.

The amount of maternity capital in 2021 is 453 thousand rubles.

Pension Fund electronic services

The Pension Fund's client services are always ready to accept everyone, but the Pension Fund has made it so that today most of its services can be obtained via the Internet - without leaving home. The goal of the Pension Fund is so that people do not have to come to client services at all to submit an application for the Pension Fund government service.

All services that the Pension Fund provides today electronically are combined into a portal on the Pension Fund website - es.pfrf.ru. To receive PFR services electronically, you need to be registered on the unified government services portal gosuslugi.ru. No additional registration on the Pension Fund website is required.

You can also use a number of Pension Fund services through the free Pension Fund application for smartphones, available for iOS and Android platforms.

In 2021, the Pension Fund will continue to expand services in electronic form, so before going to the Pension Fund, go to the Fund’s website - with a high degree of probability you will be able to resolve your issue without leaving home.

If you are not yet registered on the unified portal of government services, then the Pension Fund client service will also help you with registration. In almost all Pension Fund client offices you can confirm your account on the government services portal.

Will there be indexation for working pensioners?

In 2021, innovative technology will be used for the procedure for indexing pension accruals. Initially, funds for indexation were included in the budget, and the percentage increase obviously had to exceed inflation. This makes it possible to calculate the old-age pension in 2021, without relying on statistical calculations, and to increase pension payments by 3.7 percent from January 1, 2018, and not from February 1, as was the case before. The average pension value in 2017 is 13,557 rubles; from 2021 it will increase to 14,045 rubles. - this means that the average increase will be 488 rubles.