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According to information for 2021, the average life expectancy in Russia was 72.9 years. According to Rosstat, the number of working-age citizens decreased by 4 million people. Due to the growing number of pensioners, the Government needs to find 8 trillion for the next 6 years. rub. for pension provision. In order to stabilize the financial situation, the reform of the pension system started at the beginning of 2021.
New retirement age
Initially, the Government of the Russian Federation proposed increasing the retirement age for women by 8 years, for men - by 5. The President did not support the initiative, so citizens of both sexes will be able to stop working 5 years later.
New retirement age for men
Under the new procedure, men are allowed to leave work at the age of 65.
New retirement age for women
Women will receive old-age compensation upon reaching 60 years of age.
What to do for those who were supposed to retire in the coming years
The retirement age is increasing in stages. Every year one year will be added. The transition phase will come to an end in 2028.
For convenience, we will reflect in the table when citizens will retire during the transition period:
Right to alimony
Family law states that disabled parents have the right to financial assistance in the form of alimony from their child/children. In this case, incapacity for work is confirmed either by the presence of a disability or by reaching the age of a pensioner.
Due to the increase in the retirement age in the country, the Government decided to leave at the “old” level the age when the right to receive alimony from a child arises. That is, these are 55 and 60 years.
This project has already been submitted to the State Duma for consideration. If approved, pre-retirees will be able to receive child support, even if they do not receive pension benefits due to old age.
New age and conditions of retirement for certain categories of citizens
The reform concerns not only pension insurance. The procedure for assigning maintenance due to length of service has changed.
Pension reform for the military
The new requirements did not affect military pensions. This issue is under discussion. It is planned to adjust the length of service, in the presence of which a citizen has the right to apply for pension compensation. To leave the army you will need to serve 25 years. Now the experience is 20 years. The draft changes have not been officially published.
Pension reform for civil servants
The procedure for assigning pension benefits to civil servants is determined by Law No. 166-FZ of December 15, 2001. The age for leaving public service due to old age was raised for them in 2021. Changes are being introduced gradually. Each year, six months are added to the length of service.
By 2026, you will need to have worked in the civil service for 20 years to apply for the payment. Those applying for benefits in 2021 must have 16.5 years of service.
Law No. 350-FZ introduced clarifications regarding the maximum period for holding civil service. By 2023, men will have the right to leave the civil service at old age at 65, women at 63. These activities will take place gradually. From 2021, one year will be added every 12 months.
Pension reform for teachers
According to the pension reform, teaching staff are allowed to become pensioners with a deferment of 5 years after 25 years of preferential service have been developed. The standard will increase every 12 months by 1 year. In 2021 and 2021, documents for pension benefits can be submitted earlier than the new deadline.
For employees of the Ministry of Internal Affairs, FSB and other law enforcement agencies
Law enforcement officers were not subject to the new requirements. The length of service giving the right to old-age maintenance remains 20 years. It is planned to raise the standard to 30 years.
Pension reform for health workers
The reform did not change the number of years of medical experience that guarantees a citizen the right to a pension. In rural settlements you need to work in a medical organization for 25 years, in urban settlements - 30 years. A 5-year deferment for applying for compensation has been introduced. The age limit will be pushed back annually by 12 months. In 2021, people are allowed to stop working due to old age 6 months later.
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Right to keep your job
According to the new law, employers do not have the right to fire their employee or not hire him because the person has reached pre-retirement age. Such an offense is punishable under the Criminal Code of the Russian Federation.
The required changes are already being made to the Criminal Code of the Russian Federation. The guilty employer may lose 200 thousand rubles (fine) or be punished in the form of compulsory work (360 hours). This legislative draft has already been adopted by the State Duma in the 3rd reading.
In addition, the timing of payment of benefits due to unemployment for pre-retirees will also increase (depending on length of service). So, if a citizen worked for 20-25 years, then the benefit will be paid for exactly a year. And for each year of work experience beyond the established duration, the payment period is extended by 14 days (but not more than 2 years in total for 3 years of payments).
New rules for assigning a social pension as part of the pension reform
What changes besides age does pension reform imply?
In addition to changing the age limit for retirement, it is planned to change the system for forming pension savings.
Accumulation system
The funded portion of the pension benefit remains frozen in 2021. This situation is expected to last until 2021. Currently, employers transfer 22% of wages to the pension fund. All funds go to the insurance portion of the old-age benefit.
Individual pension capital (IPC)
Starting in 2021, the Ministry of Finance and the Central Bank are developing a new law to replace the funded part of the pension benefit with individual pension capital. It will be formed from the personal funds of citizens. The citizen will have to sign an agreement with the NPF. It is planned to introduce a rate from 0 to 6%, which will increase by one point annually. Workers will be included in the new system automatically.
Rules for payment of the funded part of the pension
Citizens will receive the funded part of old-age benefits earlier than the general period. A one-time compensation is transferred to women who have turned 55 years old, and to men who have reached 60 years of age.
Pension points
The amount of pension compensation is calculated taking into account the IPC (pension point), which appeared in 2015. The higher the IPC value, the greater the amount of the pension benefit. The required number of points increases annually. By 2025, to apply for benefits you will need to collect 30 IPC. In 2021, compensation is assigned if you have at least 16.2 points.
The new pension size - what it will consist of
The insurance pension is calculated using the formula introduced in 2014:
SP = IPC x SPK + FV, where
IPC – pension coefficient (in 2021 16.2); SPK – cost of IPK (RUB 87.24 from January 1, 2021); FV – fixed payment (RUB 5,334.19 for 2021).
Must have accumulated at least 10 years of experience.
SP = 16.2 x 87.24 + 5,334.19 rubles. = 6,747.48 rub.
The payment amount for non-working pensioners cannot be lower than the subsistence level in the subject of residence. If the resulting value is less than the PMP, then the pensioner is given a social supplement.
Review of changes in the final version of the pension reform!
Our editors have prepared an overview of almost all the changes that were adopted as a result of the pension reform:
| Change to existing position or new norm | Commentary on a change or new norm |
| Pension increase age for men from 60 to 65 years, for women - from 55 to 60 years | The increase will be gradual – from 2021 to 2023. In 2019, people will retire at 61 (M), at 56 (F), in 2020 – at 62 and 57, respectively, in 2021 – at 63 and 58, in 2022 – at 64 and 59, in 2023 and all subsequent years - in 65 and 60 |
| Introducing the possibility of retiring 24 months earlier than the new retirement age | This possibility, based on Part 1.2. Art. 8 Federal Law No. 400, is already valid for persons with work experience of at least 42 years (M) and 37 years (F) |
| Possibility of retiring six months earlier than the new retirement age | This opportunity is available to those who will turn 60 years old (M) and 55 years old (F) in 2021 or in 2021 (Part 3 of Article 10 of Federal Law No. 350) |
| Preservation of the right to retire under the old legislation | If a person reached retirement age before January 1, 2019, and for some reason did not apply to the Pension Fund for an appointment (for example, because there were not enough pension points or length of service), then later, when this person applies, a pension will be assigned to him according to old legislation (part 2 of article 10 of Federal Law No. 350) |
| The procedure for calculating the insurance period for the persons specified in Part 1.2. Art. 8 Federal Law No. 400, that is, for those to whom a pension can be assigned 2 years before the new retirement age | The 42 years of service for men and the 37 years of service for women required to grant a pension 2 years before retirement age include periods of working activity, as well as only one other period - the period of being on sick leave (Part 9 of Article 13 Federal Law No. 400) |
| “Freezing” regulations on annual indexation of the cost of the 1st pension point and fixed payment | Instead of annual indexation based on the level of inflation over the past year, now the size of the fixed payment and the cost of 1 pension point in the periods from 2021 to 2024 are known in advance for each year. The pension point in 2021 is 93 rubles. |
| Retention of the right to early assignment of pension payments for almost all persons who had such a right before the adoption of the pension reform | Federal Law No. 350 was introduced into Art. 30 Federal Law No. 400 only partial changes. Now for persons who have the right to a pension after a certain length of service, regardless of age (teachers, doctors, as well as persons engaged in creative activities in cultural institutions), the pension will be assigned 5 years later than the year in which they acquired the length of service required for early appointment (taking into account the transitional provisions specified in Appendix 7 to Federal Law No. 400) |
| Granting the right to an expanded circle of mothers with many children to retire early | Before the adoption of Federal Law No. 350, the right to early retirement due to “large families” was granted only to women with 5 or more children. As part of the pension reform, new provisions were introduced (see clauses 1.1. and 1.2. Part 1 of Article 32 of Federal Law No. 400), which regulate that women who have given birth to 3 or more children now have the right to early retirement |
| Additional guarantees for social support for unemployed individuals of pre-retirement age | Federal Law No. 350 introduced a new article 34.2 into Law No. 1032-1, which regulated the procedure, conditions, amounts and timing of payment of unemployment benefits for citizens of pre-retirement age (that is, for those who have 5 years or less left before the right to a pension arises) |
| Raising the age of entitlement to a social pension | If a citizen has not acquired the right to an insurance pension, he may be assigned a social pension. Previously, it was given from the age of 65 for M, from the age of 60 for F. Now the social pension will be assigned from the age of 70 for M, from the age of 65 for F (the transition period and its conditions are the same as for insurance pensions, see Appendix 1 to Federal Law No. 166) |
| Retaining the right to a funded pension according to the old rules | Federal Law No. 350 amended Federal Law No. 424 to the effect that a funded pension will now be assigned when persons reach old retirement age (60 years - M, 55 years - F) |
A number of other minor amendments were also adopted that do not have a significant impact on the legal status of persons insured under compulsory health insurance.
The size of the fixed pension in 2021 is 5686.25 rubles.
The amount of indexation of the insurance pension in 2021 6,6%
In what year will the pension reform come into force?
The new requirements began to apply on January 1, 2021. The first changes affected women born in 1964, and men in 1959. For them, the time for retirement was postponed by 12 months. However, they have the right to stop working 6 months earlier.
Pensioners born between January and June have the right to submit an application to the Pension Fund from July to December 2021. Persons born between July and December will be able to apply for payment from January to June 2021.
The transition period will end in 2028.
Who will not be affected by the pension reform 2019
For the more than 46.5 million elderly working population, nothing will change. They will receive cash benefits as before.
Innovations do not apply:
1. Citizens who earn their money in hazardous work have dangerous working conditions.
2. Categories that are entitled to state support:
3. Liquidators of the Chernobyl nuclear power plant and affected persons. Applies to everyone.
4. Flight test personnel. Applies to everyone.
The latest pension reform project - where to watch
The Ministry of Finance promised to publish a bill on individual pension capital by the end of 2021. However, to date it has not appeared on the Internet, as it requires further development.
The bill on increasing the length of service from 20 to 25 years for military and law enforcement officers has also not been published.
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Discussion: 19 comments
- Anastasia:
06/16/2019 at 13:59I believe that the government has done everything right, thanks to this reform we will be able to receive a decent pension in the future.
Answer
- Sergey:
06/17/2019 at 09:22
I think the pension reform is a forced measure, although it has received a lot of indignation in our society. The President explained in detail that there is no other way out, that legislation needs to be updated, due to the fact that there are very few officially employed youth who do not contribute to the pension fund
Answer
- Sergey Anatolyevich:
06/17/2019 at 22:19
I am 55 years old, have a higher legal education, and have more than 10 years of experience in various positions. In order to find a job, I posted my resume on hh.ru in the public domain. From March 12, 2021 to the present date, my resume has been employers in response to my responses (wishes to work . Two invitations for an interview and, as a result, they take the younger one. Before carrying out pension reform, it seems to me that it is necessary to provide people with jobs.
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- Wanderer:
06/18/2019 at 13:53
Judging by what I have read, I have to work until I am 60 years old, because I live and work in a zone equated to the Far North. However, we'll wait and see. The reform is designed until 2028, during which time a lot can still change.
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- Alexei:
06/21/2019 at 00:23
I am 59 years old, I worked in the civil service for 25 years. The question remains, will I live to see this pension? The government is robbing us completely. Where do our taxes go?
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- Alexandra:
06/21/2019 at 16:24
In general, a pension was invented so that you would have money to live in old age, when you still want to live and still have health, a kind of deposit in a bank that you can withdraw at a certain moment. And they came up with a certain age. And the tax was calculated at a certain amount. And now we get a superstructure over the former system, without analysis, calculation, or possible consequences on a national scale. This is genocide of the Russian people.
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- Nika:
06/22/2019 at 22:10
A very interesting reform, I hope that it will produce many results and that people will not suffer
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- Natalia:
06/23/2019 at 11:54
Change is important for any system. I think that laws are created by competent and intelligent people who will not only make decisions, but also pave the way for their implementation.
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- Masha:
06/25/2019 at 10:02
I hope that this reform will lead to an improvement in the quality of life not only of the country, but also of ordinary people.
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- Tatyana Vodilova:
06.26.2019 at 15:46
The government will always find excuses, but the further they go, they think less and less about people. And it will be like this, people will simply be fired at 50-55 years old, and where can they find a job at that age and in the end you can not pay a pension at all, since there won’t be enough length of service
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- Andrey:
06.26.2019 at 15:49
They lay smoothly, but sleep hard. It is possible to explain and sort out the necessity of such a reform, and it seems that there is no arguing with it, but as always, the extreme people are the people, and such argumentation does not make it any easier for them. In short, this is from the same opera: - There is no money, but you hold on!
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- Tatyana Vodilova:
06.26.2019 at 15:51
The government is caring less and less about people. Well, who needs a worker aged 55-65? They will find reasons and fire you. As a result, the person will not have enough experience to receive a pension.
Answer
- bublig:
06/27/2019 at 19:15
I was amazed by the life expectancy figures for Russians. Many of my parents’ friends did not live to see retirement under the old pension program. Healthy young people are dying. Yes, needless to say... It’s just that there is “no pension fund as such,” so they come up with various innovations, because people need to pay pensions.
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- Marina:
06/28/2019 at 05:35
I read all the reviews on this article and there are a lot of opinions. Some people expect the best, others the opposite. I believe that with such a reform the quality of life will not be better. When the time comes for me to retire, I wonder if I will live to see it?
Answer
- Katerina:
06/29/2019 at 01:22
In pension reform, we are concerned not only with the increase in the retirement age, but also with changes in the formation of pension savings, what they will be is unknown. And the article also claims that the government has raised the retirement age in order to fulfill its social obligations. Somehow, it turns out that he is solving problems at the expense of pensioners.
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- Tatiana:
07/03/2019 at 02:33
Somehow I can’t believe all these reforms... And I least of all believe in the pension system. You still have to live to 60... and survive in Russia. In my case, I definitely won’t get a pension for a number of reasons.
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- Kirill:
07/03/2019 at 23:47
I would like to believe, of course, in the best. For the government to take care of the future of every citizen
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- Dmitriy:
07/05/2019 at 02:01
I wonder where they got these life expectancy figures from? most of them do not live to see these years, and the reforms are all complete nonsense, they are invented because it is convenient and profitable for them!
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- Andrey:
09.19.2019 at 14:10
Our country is too rich! They steal and steal, but there is still something to steal! It’s scary to think how we would live if our country had not been plundered?!
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What will happen to pensions in 2021?
will occur in 2021 :
- In terms of changing the conditions of old-age pension:
- the generally established retirement age will increase for men and women by six months (6 months) - to 60.5 and 55.5 years, respectively;
- the age for receiving a social old-age pension will increase accordingly;
- Some conditions for the appointment of preferential pensions will be adjusted.
- In terms of increasing the amount of pension benefits:
- pensions for non-working citizens will increase at a rate faster than inflation (on average by 1000 rubles, in fact - by 7.05% in 2021 );
- Indexation will be carried out annually from January 1 .
Attention
The amount of the increase in rubles for each pensioner will be individual . To get the actual amount of your pension in 2019, you need to multiply the size of your insurance part of the pension by a factor of 1.0705 (which corresponds to an increase of 7.05%).
Such an increase will affect only non-working pensioners receiving an insurance pension for old age, disability or loss of a breadwinner. Since pensions in Russia are paid for the current month, pensioners will receive new amounts in January - indexation will be carried out from the beginning of the year.
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