How the old age pension is accrued

Pension care is an important stage in the life of every person. After all, from now on, everything changes dramatically: the main income becomes help from the state or simply "pension". The procedure for accrualing such a payment includes several important nuances: the experience, the amount of earned income, the pension coefficient. Let's deal with this in more detail.

1

Basic concepts

According to Law of the Russian Federation "On Labor Pensions", distinguish the following reasons for the appointment of public social security:

• achieving retirement age;
• loss of the breadwinner;
• establishment of disability.

The main rule of the first payment (in old age) is to achieve a certain age. In men, he comes in 60, and in women - in 55 years. There is a notion of "early" retirement. This applies to workers of harmful / severe production, disabled people and other preferential categories of workers. In addition, the minimum experience in the amount of five years has been installed to accrual pension ( article 7 of the above law).

The retirement experience turns on:

• actually spent time;
• hospital holidays;
• service time in the army;
• decree and rest of the child care;
• other components provided for by Art. eleven Law of the Russian Federation "On Labor Pensions" (Article 11).

Information: In the absence of insurance experience, a "social pension" is appointed, the amount of which is governed by the state, based on the consumer level and pricing policies.

2

Pension reform

Since 2015, changes have occurred in the order of accrual of pension payments. According to the laws of the Russian Federation "On insurance pensions" and "On accumulative pensions" (with additions), Pension reform includes the following aspects:

1. There are 2 types of pension collateral: insurance and accumulative. The first payment directly depends on the experience and earnings of the employee and provides a fixed value based on the category of retirement (for example, in old age or with disabilities). The accumulative part is formed by payments to the employer to the Pension Fund (PF) (state or non-state). Its size can be increased by the amount of investment income, the scheme of which the pensioner is entitled to choose for himself.
2. The procedure for accrualing a pension implies a "ballroom system". The score is a parameter that helps to assess the contribution of the worker for the year, taking into account all deductions and contributions to the PF. Such an accrual scheme is focused primarily on future pensioners who are currently in the process of "earning" of their experience.
3. The total number of all points forms an individual pension coefficient (IPC). It determines the size of the future old-age payout.

3

Calculation formulas and examples

Old-age pension (PSTR) is defined as follows:

PST \u003d (CPV * FV) + (CPV * IPK) * SEC.

Clarifications to the conditional designations of the formula are shown in the figure below.

The accumulative part of the pension (PNAK) is calculated as follows: PNAK \u003d Dome / Kmes, where:

• Doh - the amount of income on the employee's account;
• Kmes - the number of months during which pension will be paid.

Let's analyze the calculations on the example. Ivanov Ivan Ivanovich at the age of 60 retires from January 2015. We define the amount of pension provision step by step:

1. We consider an individual coefficient. The insurance part as of December 31 ,.14 (established by the state) divided by one score. It turns out: (12000 - 3910.34) / 64.1 \u003d 126.2 points.
2. We find insurance payments. The fixed part multiply on the prize. The resulting value is folded with IPCs (for all years), corrected for a premium coefficient and limit score. We get: 3910.34 * 1 +126.2 * 64.1 * 1 \u003d 11999.76 rub.

Advice: Use online pension calculator - It will significantly save your time.

Download right now:

1. The procedure for calculating and accrual of old age pensions.
2. Conditions for the accrual of the Insurance Pension Pension.
3. The legally established value of a fixed payment for an old-age insurance pension (on 01.02.2015).
4. 
   Help-memo when choosing a pension.
5. List of categories of citizens eligible for early pension.

4

Order order

To assign the amount of pension, you must contact the Pension Fund at the place of registration with such a package of documents:

• passport (original and copy);
• labor book (original and copy);
• certificate at work;
• SNILS (original and copy);
• paper confirming disability or other benefits (if necessary);
• marriage / divorce certificate (if a surname change occurred);
• certificate of average earnings for 5 years (on demand);
• certificate of the actual stay (if necessary);
• statement on the appointment of pension;
• application for the choice of pension delivery.

An employee of the Pension Fund accepts documents and makes calculating the extent of the amount according to the formula above. More information can be found on the site of the PF of Russia.

Download from us on the portal:

1. Sample application for the choice of pension delivery.
2. Approximate sample filling out a pension delivery application.
3. Application form on the appointment of pension collateral in old age.
4. An exemplary sample of filling out an appointment of the appointment of pension collateral in old age.
5. A detailed list of documentation necessary when appointing old-age pension.

At the moment, the pension reform is at the "transitional stage". This means that in a few years, may appear new conditions for accrualing insurance and accumulative payments.