When to retire according to the new rules: table for men and women

How to calculate an old-age pension for a man born in 1960

The amount of old-age pension (Pst) is calculated using the formula:

wherein:

• IPK - citizen (number of accumulated points);
• Spk - the cost of one IPC (pension point);
• FV - the amount of a fixed payment to the old-age pension.

The cost of the pension coefficient and fixed payment are established by law and are indexed annually. To calculate the size of the pension, you only need to substitute the value of your IPC and use the FV and SpK standards established for a specific year.

• For those retiring in 2021, the security will be calculated taking into account the cost of a point of 98.86 rubles, and a fixed payment of 6044.48 rubles. Using these standards, the calculation will be made for men born in the first half of 1960.
• For those retiring in 2022, the calculation will be made taking into account the cost of a point of 104.69 rubles, and a fixed payment of 6401.10 rubles. These standards will be applied when calculating for men born in the second half of 1960.

It should be noted that the difference in the established standards does not mean that the pension amount for those who became pensioners earlier will be lower. For men born in the first half of 1960, it will be assigned using the standards established for 2021. And from January 1, 2022, the amount of the payment will be recalculated according to the standards approved for 2022 - this is the principle of annual pension indexation (see).

Additional payments may be assigned to the pension amount calculated by the formula on the grounds provided by law. For example,

• for 30 years of experience in agriculture and living in rural areas;
• for work experience in the Far North and equivalent areas;
• for dependents (minor children or full-time students);
• EDV (disabled people, combat veterans, Chernobyl survivors, and so on).

Minimum pension

Taking into account the fact that the standards for the minimum required amount of the IPC for the assignment of an old-age pension are known, it is possible to calculate the minimum amount of pension provision for men born in 1960.

• When applying for payments in 2021 (these are men born in the first half of 1960), you need to have at least 21 points. Therefore, the minimum amount of the old-age pension will be 21 × 98.86 + 6044.48 = 8120 rubles. 54 kopecks
• When applying for a pension in 2021 (for those born in the second half of 1960), at least 23.4 points are required. Accordingly, the minimum payment amount will be 23.4 × 104.69 + 6401.10 = 8850 rubles. 85 kopecks

Let us note that the material support of a non-working pensioner should not be less than the cost of living of a pensioner in the region of his residence. Therefore, if the calculated and assigned pension is lower than the PMP in the region, the pensioner is entitled to a social supplement to the minimum.

An example of calculating a pension for a man born in 1960

Nikolai Mikhailovich was born on April 14, 1960. He is going to retire and wants to know what his retirement age is and how much he will receive when he becomes a pensioner. The conditions for the minimum length of service are met, and the IPC is 85 points.

• According to the stipulated schedule, the retirement age for Nikolai Ivanovich is 61.5 years. Taking into account his date of birth, he can retire from October 14, 2021.
• When assigning old-age security to him, the following parameters will be used: the cost of one coefficient is 98.86 rubles;
• fixed payment - 6044.48 rubles.

Based on the value of his IPC, the amount of the assigned pension will be 85 × 98.86 + 6044.48 = 14447.58 rubles.

If Nikolai Mikhailovich does not work after retirement, his pension provision will be indexed annually. For example, from January 1, 2022, it will be recalculated taking into account the indexed cost of the point and the fixed payment. The payment amount will be 85 × 104.69 + 6401.10 = 15229.75 rubles.

Retirement table by year of birth

We propose to “sort everything out” regarding the age gradation of “pre-retirement people”, for whom the introduction of Federal Law No. 350 occurred in the last years before retirement.

So, men born in 1958 and women born in 1963 retired before the end of 2021, that is, before Federal Law No. 350 came into force. The working age of men born in 1963 and women born in 1968 will be extended by a full 5 years. Men born in 1959-1962 and women born in 1964-1967 remained in the transitional category. Their retirement age is no longer 55/60, but also not 60/65, but somewhere in the middle. It increases gradually every year.

In the table below we show how this happens

After 2028, the new working age will come into full force. And everyone who was born younger than 1963 (men) and 1967 (women) will retire at 65 and 60 years old, respectively.

Until now, we have been talking about “ordinary” pensioners who do not have the right to earlier, preferential retirement. But Federal Law No. 350 also provides for an increase in the retirement age for those who retired early due to the nature of their work activity:

People who have completed full or partial work experience in the regions of the Far North and in territories that are equivalent to it

Teachers and doctors (plus some creative workers equated to them, such as ballerinas and circus gymnasts)

The time has come to compile the corresponding tables for them.

The procedure for calculating pension payments

To navigate the new pension formula, you need to understand the terms of the Federal Law “On Insurance Pensions”:

• individual pension coefficient (IPC) is a special value that depends on the amount of contributions to compulsory pension insurance (and therefore on salary) that employers transfer;
• fixed payment - the amount guaranteed by the state is similar to the fixed base amount provided in the law “On Labor Pensions in the Russian Federation”;
• - multipliers that were created to motivate citizens to retire later than they became eligible for it.

The new formula for calculating old-age insurance benefits looks like this:

Where:

• SP - old-age insurance pension;
• SIPC - the cost of one coefficient (point);
• IPC - the sum of accumulated pension points;
• FV - fixed payment;
• K - premium coefficients (for IPC and PV they have different values).

Conditions for retirement

So, you can count on retirement in the first half of 2021:

1. Men who will turn 60.5 years old during this period, who have worked for at least 11 years and have at least 18.6 accumulated pension points;
2. Women who celebrated their anniversary (55 years) at the end of 2021, and will turn 55.5 years old in the first half of 2021. In addition, their working experience is at least 11 years, and the IPC is 18.6.

According to the new law, those who were unable to meet all three conditions for retirement must bring up the missing values ​​within 5 years, and if this cannot be done, they will have to apply for a social old-age pension.

Pension reform 2021

According to the age

• In 2021, the retirement age will increase by 0.5, which means that men will retire at the age of 60.5, and women – 55.5. Pension payments for the current year 2021 will be made in 2019-2020.
• In 2021, the increase will occur by 1.5: women. – 56.5 years old, male – 61.5 (21-22).
• In 2021, the retirement age will increase by 3 (women - 58; men - 63) (24).
• 2022 will be characterized by an increase of 4 (women - 59 years; men - 63 years) (26 years).
• Starting from 2023 – 5: women. – 60 years old, male – 65 years old (27).

For these groups of people, retirement follows length of service, namely 25-30 years. The specific length of experience depends on the position and specialization. The system described above was retained, but with the transformation as a waiting period of 5 years.

Stages, depending on the year of experience:

• 2019 (in 0.5 years) – pension in 2019-2020;
• 2020 (1.5 years) – in 21-22;
• 2021 (3 years) – in 24;
• 2022 (4 years) – 26;
• 2023 (5 years) – 28

The reform spells out specifics for people living in the represented region. The standard period is reduced by 5 years, however, now both men and women will be able to terminate the employment contract at 60 and 55 years, respectively.

Men:

• 55.5 years (1964) – 19-20;
• 56.5 years (1965) – 21-22;
• 58 years old (1966) – 24 years old;
• 59 years old (1967) – 26 years old;
• 60 years (1968) – 28

Women:

• 50.5 years (1969) – 19-20;
• 51.5 years (1970) – 21-22;
• 53 years old (1971) – 24 years old;
• 54 years (1972) – 26 years;
• 55 years (1973) – 28

Also, starting from 2021, the requirements for the minimum period of work experience of municipalities will be tightened. service, which makes it possible to receive payments upon reaching compulsory length of service, presented in the form of an additional benefit to the old-age pension. Taking into account all the reforms, the female part of the population will receive a pension upon reaching 56 years of age, and men - 61 years of age. Do not forget about length of service in the civil service - the period of work experience will be 16.5 years.

According to insurance experience

The reform carried out affects all aspects of establishing a pension, with the exception of the insurance period, which means the period of time during which contributions to the Pension Fund were made for the employee. Previously, before the adoption of the reform, a person required 9 years of qualifying experience. In the absence of this condition, the citizen could only receive a social pension.

For 2021, the situation has changed and now the years of insurance experience will increase according to retirement age, for example:

• 2019, 10 years of experience will be required;
• 2020 – 11 years;
• 2021 – 12 years;
• 2022 – 13 years;
• 2023 – 14 years;
• 2024 – 15 l.

The calculation of the IPC will be carried out in accordance with the previously established (2015) law.

The required lower limit of the individual pension coefficient in different years:

• 16, 2 – 2021;
• 18.6 – 2021;
• 21 – 2021;
• 23.4 – 2022;
• 25, 8 – 2023;
• 28.2 – 2024;
• 30 – 2025

Having carefully studied the nature of the changes, one can find an increase in the IPC by 2.4 up to 2025 inclusive. However, it is unknown whether the growth will continue or stop, but no changes in the coefficient are expected in the near future.

Retirement age in Russia from 2021 for men and women

Thus, over the next 5 years for men and 8 years for women there will be a so-called “transition period”, during which the period of working capacity will gradually increase in increments of “1 year per year”, and starting from 2023 and 2026 for them the values ​​stipulated by the bill will be established - 63 and 65 years.

Table of increasing the retirement age in Russia by year of birth

One way or another, the changes proposed by the Government will affect all women, starting from 1964, and men born in 1959 and younger, since by January 1, 2021 they will not yet have time to retire according to the old standards currently in force - at 55 and 60 years.

Women born between 1964 and 1970 and men born between 1959 and 1962 will be subject to the transitional provisions provided for by the new law. This means that they will be given an intermediate age rather than a final age (63 and 65).

How to calculate your pension

Every person who retires can calculate their pension independently, knowing the formulas and parameters for calculating it. It is possible to make an online calculation, and there are also calculators available. If you can’t make the calculation yourself, you have the opportunity to contact the Pension Fund to learn how to calculate or request information about future income.

General formula

The formula for calculation will look like this:

• P = PV + LF + MF, where PV is a fixed share (basic);
• LF – cumulative fraction;
• SP – insurance share.

The procedure for determining the insurance part

The fixed share is set by the state. Each citizen has his own savings share. Therefore, we need to know how the insurance share is calculated. There is a calculation principle for this:

• SCh = PK/T, where: SCh – insurance part;
• PC – pension capital;
• T – estimated time that compensation will be paid, measured in months

From this formula we do not know the value of pension capital, which must be calculated in a new way. The capital consists of the values ​​of the conditional pension capital (CPC) and the estimated payment (RP). The old-age pension is calculated using the formula:

• RP = SK * ZR / ZP * SZP, where: SK is the coefficient for length of service. It is equal to 0.55 (for men with 25 years of experience, women with 20 years of experience). For each year worked beyond the length of service, 0.01 is accrued, although this figure should not be more than 0.75.
• Salary/salary is the ratio of wages to the average earnings in the country. Its level should not be more than 1.2.
• SWP - the average salary is calculated by the Pension Fund in the amount of 1,671 rubles.

After calculating the estimated payment, you can find out the amount of conditional capital:

UPC = RP – BC / T, where RP is the estimated compensation, BC is the base part, T is the estimated time of payment, measured in months.

To calculate the insurance part, we only need to know the value of PC1, which can only be found in the Pension Fund of the Russian Federation (PFR). When you know all the data, you will be able to calculate the insurance share, and ultimately calculate what benefit you can count on when you retire. Every year the state increases pensions. This is affected by indexation and inflation. Indexation is an increase in the amount of payments that is made annually.

An example of calculating the timing of retirement and the amount of payment

Irina Nikolaevna was born on July 15, 1966. She plans to retire and wants to know when and in what amount she will receive an old-age payment. She has enough experience to apply for a pension, and the IPC is 76 coefficients.

• According to the schedule, she will be able to become a pensioner from July 15, 2024, when she turns 58 years old.
• The pension for her will be calculated taking into account the generated IPC of 76 points. The monthly payment will be 76 × 116.63 + 7131.34 = 15995.22 rubles.

Moreover, if Irina Nikolaevna is a non-working pensioner, the payment assigned to her will be indexed due to the annual increase in the cost of one pension coefficient and the amount of the fixed payment. If she continues to work in retirement, such indexation will not be carried out for her, but they will recalculate annually in August to take into account her additional length of service.

Benefits of retiring later than retirement age

Now it has become to some extent profitable to retire later than the established age, since bonus coefficients are established for each year of later application for an insurance pension.

For example, if a citizen insured in the compulsory pension insurance system wants to refuse to receive a pension for three years, then due to increasing coefficients, the PV will increase by 1.19, and the insurance pension - by 1.24.

Premium coefficients are one of the main points of the current formula for calculating pension payments. The values ​​of the coefficients are given in Federal Law No. 400-FZ “On Insurance Pensions” and are calculated taking into account the amount of time the pension was not received.

Increasing the fixed payment to the insurance pension

The fixed benefit (FB) is a guaranteed amount that the state adds to the insurance pension. From January 1, 2018, the value of the PV amounted to 4982.9 rubles. When determining the value of the PV, the coefficient for increasing the PV is applied, established in accordance with Part 5 of Art. 16 of Law No. 400-FZ of December 28, 2013

This coefficient is used when assigning an old-age insurance payment after the right to it arises or when refusing to receive an already assigned insurance pension.

The coefficient is determined based on the number of full months that have elapsed since the date of emergence of the right to an insurance payment (including ahead of schedule), but not earlier than from 01/01/2015 to the day of its establishment and that have elapsed since the termination of the transfer of the insurance pension due to refusal from receiving the established insurance pension, but not earlier than from 01/01/2015 until the day of its restoration or the appointment of the specified payment again.

The table below shows the dependence of the size of the bonus coefficient for the pension fund on the period for which the citizen suspends receiving pension benefits:

As can be seen from the data presented in the table, if you do not go on a well-deserved rest within 10 years after receiving the right to it, but continue to work, then in addition to the additional insurance period (hence, pension points), the person will receive an increase in the PV of more than 2 times.

Under certain conditions and circumstances, the size of the PV may also increase on the basis of Part 8 of Art. 18 of the Federal Law “On Insurance Pensions”. These circumstances may be:

• whether the pensioner has disabled dependents;
• reaching 80 years of age or establishing 1 disability group;
• having at least 15 years of experience in the Far North.

Increasing the individual pension coefficient (IPC)

The insurance pension will increase by the corresponding premium coefficients with each year of late application for its appointment. For example, if you apply for the establishment of security 5 years after reaching the legal age, the amount of the IPC will increase by 45%, and if you apply after 10 years, then by 2.32 times.

The table shows the coefficients for calculating the insurance pension if a citizen decides to postpone applying for its establishment:

Table: retirement schedule from 2019

Law No. 350-FZ of October 3, 2018, signed by President V. Putin, also involves changing the boundaries of the period of working capacity for citizens who have the right to early registration. In particular, such adjustments will affect teachers and doctors.

According to the old law, they had the right to retire early upon receipt of the required number of years of experience - 25-30 years, depending on the place of work. Under the new law, all length of service requirements for these professions will remain the same, but pension payments will be available only 5 years after acquiring the required length of experience.

Note: ** According to the amendment proposed by President V. Putin, citizens who, according to the old law, were required to apply for a pension in 2021 and 2021 will be able to do this 6 months earlier than the new retirement age.

Thus, starting from 2021, teachers and doctors can acquire the right to apply for an early pension only after a certain number of years after receiving the required special experience:

• after 0.5-4 years during the transition period (from 2021 to 2022);
• 5 years after acquiring the required experience, starting in 2023.

https://www.youtube.com/watch?v=2c1R0OZR5z4

Raising the retirement age will also affect future recipients of the “northern pension”. Previously, northerners had the right to receive early pension payments upon reaching the age of 50 (women) and 55 (men). The new law provides for an increase in their working period by 5 years (i.e. up to 55 and 60 years). In addition, a transition period from 2021 to 2023 will be similarly provided for them.

Thus, men born in 1964-1967 and women born in 1969-1972 are subject to transitional provisions - for them, the “period of working capacity” will increase by 0.5-4 years. Men and women born respectively, starting in 1968 and 1973, will already have their final retirement ages set at 60 and 55 years.

Calculation rules

The basic principle of calculations is the conversion of all working years of a person into certain points. Their calculation is influenced not only by the number of years worked, but also by the amount of contributions made to the Pension Fund. And they, in turn, depend on the income a person receives.

Calculation of points

Depending on various circumstances, the number of points awarded may vary significantly. They are influenced by the following factors:

• periods of work before and after 2002 (this is a transitional moment when the new pension system was introduced);
• number of years of work experience;
• actual receipt of different salary levels;
• different working conditions.

The latter conditions include representatives of certain types of professions or the presence of difficult natural conditions caused by territorial residence in certain regions of Russia. Such circumstances include:

• professional activities of teachers;
• work of doctors with the population;
• work of rescue teams;
• the profession of miners;
• people working on the railway;
• employees involved in geological research.

And also any professions if people were forced to live and work in the territories of the Far North or their place of residence was equated to these lands.

Calculation of points before 2002

To carry out the conversion to points from previous years of work, it is necessary to make special calculations, which have some differences for male and female genders. The scoring procedure will be as follows:

1. First, the experience coefficient is established.
2. Next, the salary coefficient is calculated.
3. Calculate the product of these coefficients and multiply the resulting number by 1671.
4. Also, the total amount is increased for valorization.
5. Subtract 450 from this amount.
6. Multiply the total by 5.6148.

Based on this, a final score is obtained, which is added to the calculated scores for activities since 2002.

Seniority coefficient

This is a conventional unit, which is obtained in the form of a fraction. When calculating it, the following rules are used:

1. For men who have worked less than 24 years, the coefficient is set to 0.55, regardless of whether it is 3 years or 20 years. And for work beyond this time, he is added 0.01 for each subsequent working year.
2. For women who have worked for less than 19 years, a coefficient of 0.55 is assigned, and for each subsequent year 0.01 points are added.

Salary coefficient

Its essence is to convert all funds earned by a person into real money at the moment. As an assistant, a comparison is made between the average salary of a person and that of the country at that time. The highest coefficient is considered to be 1.2. Exceeding this value is unacceptable.

Valorization

Before calculating it, it is necessary to multiply our two obtained coefficients by each other:

Next you need to make the following calculations:

Now we must also take into account valorization, which will change the points received in the following proportions:

1. By 10% for everyone, if the person had any experience before 2002 directly.
2. 1% for each year if the person had working days before 1991.

These amounts must be added to the final numbers obtained in the course of our calculations. You can clearly see these calculations in the video presented.

https://youtube.com/watch?v=gF_b5puc23A

What else affects the timing of retirement?

Adjustments to the general retirement table depending on age, IPC and length of service are made by:

1. Status of a mother of many children;
2. Disabled status;
3. Work in hazardous production;
4. Work in high-risk environments;
5. Work in the Far North or in territories equated to the Far North.

In these cases, the pension can be assigned ahead of schedule, calculated taking into account privileges and benefits, etc. Every citizen must know his social status in order to understand when and under what conditions he can count on a pension.

Calculation procedure

The accrued pension for women consists of a fixed part and an individual part. The latter is divided into four separate components, each of which has its own calculation method:

1. Estimated amount of pension capital until 2002
2. Insurance pension from 2002 to 2014.
3. Pensions from 2015 to 2021
4. Non-insurance periods.

Determination of the estimated amount of pension capital until 2002

1. The duration of the insurance period of the future pensioner until 2002 is determined through the “experience coefficient” (SC). The size is calculated using the formula:

Please note that the SC cannot exceed the value of 0.75 - this norm is established by law! Even if the resulting figure is greater than this value, 0.75 is taken for calculation.

1. The average monthly earnings coefficient (AMC) is calculated. For this purpose, the average salary for 2001–2002 is taken. or for any 60 months, after which this value is divided by the average monthly salary in Russia for the same period. The result obtained is limited to a maximum value of 1.2, with the exception of women born in 1964 who worked in the northern regions during this period. The coefficient for them is 1.4–1.9.
2. The size of the estimated pension for January 2002 is determined. For this, the following formulas are used depending on the size of the insurance system:

1. The duration of the insurance period until 1991 is determined. In its absence, the pension supplement will be 10% of the determined RP. An additional 1% is added for each full year.

Features of calculating insurance pensions from 2002 to 2014

1. Receive notification about the status of your personal account. This can be done at the territorial branch of the Pension Fund or through the government services website.
2. The total amount for the years worked must be multiplied by the product of indexation coefficients calculated taking into account inflation. For the period from 2003 to 2015 it is equal to 5.6148:

1. The monthly amount of the insurance pension is divided by the age of survival - 228 months.
2. The result obtained is divided by 64.1 - the value of the pension point at the beginning of 2015.

Pension amount from 2015 to 2021

After 2015, each insured person is awarded pension points depending on the amount of insurance contributions. The legislation provides for an increase in the minimum insurance period (by 2025 it will increase to 15 years) and the minimum number of points to 30. Pension rights that a person earned before 2015 do not expire; they are converted into points and taken into account when calculating the pension. More details in the table:

Non-insurance periods

The calculation of pensions for women born in 1964 is made taking into account “non-insurance periods”, each of which has its own size:

Rules for calculating pensions for citizens born before 1967

Monthly deductions upon reaching old age are divided into 3 types of payments: basic - fixed, insurance and savings. The value of the PV is equal to 4 thousand 982 rubles by 2021. 90 kopecks and is subject to annual indexation based on the inflation rate. Residents of the Russian Federation independently choose how and where to transfer payments:

1. For insurance benefits - 22% of the salary, of which 6% will go to the joint tariff of the fixed payment account.
2. To create two pensions. 22% of the salary will be distributed - 6% (joint tariff), 6% (funded part), 10% (insurance deduction).

The calculation of insurance pension contributions is considered through the relevant sections. It is possible to calculate savings benefits using the formula: NP = C / PD, where: NP is the amount of savings accumulated on a specialized share of the personal account of the insured citizen and PD is the period of survival during which the citizen is paid a pension payment. For the current year it is 246 months.

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