Pension increase for pensioners: schedule and who is entitled to it. Will the social pension increase, when and by how much? When is the next pension increase?

The “freeze” of increases introduced in 2016 insurance pension for working pensioners will continue to operate in 2018. This means that citizens who continue to work after retirement were not affected by the January indexation. Thus, for working pensioners, pension payments can be increased only if:

, which is made on August 1 - in this case, the amount increases by the number of pension points earned by the citizen last year (but not more than 3 points per year);
- in this case, the citizen’s pension is calculated taking into account missed indexations from the month following the month of dismissal.

In both the first and second cases, contact the Pension Fund authorities and write an application for recalculation no need- these procedures are carried out without a statement on the basis of data that employers transmit to the Pension Fund. As for dismissal, from January 1, 2018, changes were made at the legislative level to the process of indexing pensions for working pensioners after dismissal. Before the new year, all citizens who quit their jobs had their payments recalculated taking into account all missed raises only three months after the dismissal.

However, after the new year, Federal Law No. 134-FZ of July 1, 2017 came into force, according to which a pensioner who quit after January 1, 2018, pension benefits are recalculated taking into account all indexations missed during work and are paid in an increased amount from the first day of the month after termination of employment.

At the same time, a citizen will not immediately feel the increase in pension, because the process of additional accrual, as a rule, takes three months. This is due to the “technical” features of presenting information:

in the first month after dismissal, the Pension Fund receives information from the employer that the citizen is still listed as employed;
in another month the employer will transmit information that the citizen is no longer working;
and only in another month will the Pension Fund of the Russian Federation decide to resume indexation.

Thus, only after three months the pensioner will receive his fully indexed insurance pension. And monetary difference between the previous and the current (indexed) payment amount - for all three months of renewal of indexation, during which he did not work.

Latest news and changes

As noted above, in 2018 some changes were made to the pension system. First of all, innovations concern insurance pensions:

firstly, in 2018, the indexation of insurance coverage was carried out a month earlier than expected - on January 1;
secondly, the procedure for calculating the old-age pension after the dismissal of a working pensioner from work has changed - the period remains the same (3 months), but now the citizen will be able to receive money for these months, representing the difference between the previous payment amount and the amount after taking into account all indexations , starting from the next month after dismissal.

The changes also affected social security. A new type of pension was introduced - social pension for children whose both parents are unknown(in other words, for “foundling children”).

At the same time, some issues were avoided by the changes in 2018. So there is still insurance coverage for pensioners engaged in working activities.
in 2018 is also relevant (in general it has been extended at least until 2020 inclusive). However, it is worth noting that the formation of pension savings is suspended only when insurance contributions are paid by the employer; depositing funds into your account in the form of voluntary contributions is not prohibited.

Will there be a one-time payment of 5,000 rubles to pensioners in 2018?

In January 2017, all pensioners in Russia, regardless of whether they work or not, received 5 thousand rubles. This amount was paid only once and was not an addition to the monthly pension.

This measure was introduced by Federal Law No. 385-FZ of November 22, 2016 due to the fact that in the previous 2016 the indexation of pensions was not carried out completely (by only 4% instead of 12.9%). Thus, having paid each pensioner 5,000 rubles, the Government decided to compensate citizens for the “under-indexed” funds for 2016.

In 2017, the situation changed - the total indexation of pensions was 5.8%, which exceeded the level of actual inflation (5.4%). In this regard, the Government has no grounds for re-introducing this measure in 2018, and re-lump sum payment in the amount of 5 thousand rubles will not be available.

How many points and insurance experience do you need to retire in 2018?

In accordance with the legislation of the Russian Federation, since 2015, the pension rights of Russians have been formed in pension points (IPK - individual pension coefficients). According to Article 8 of Federal Law No. 400-FZ of December 28, 2013 old age pension insurance Only those citizens who have achieved and have a sufficient number of and can apply for it.

In 2018, issue old age insurance benefit persons can:

who have reached the generally established retirement age in the country 55 years (women) and 60 years (men). For certain categories of citizens, payment can be established ahead of schedule (miners, teachers, etc.), or vice versa, later (persons holding government positions);
having a minimum 13.8 pension points;
whose work experience is at least 9 years.

Wherein maximum points, which can be obtained this year - 8,7 (when forming only an insurance pension) and 5,43 (when forming insurance and savings payments).

Will the retirement age increase in 2018 in Russia?

The topic has been worrying Russians for many years now. At least, no increase expected in 2018. However, there is no guarantee that the retirement age will not be increased in the following years, including starting from January 1, 2019. Various options for raising the old age pension age have been officially considered by the Government since the spring of 2018.

Despite the fact that in other countries the age for retirement has long been higher than generally established in Russia (for example, in Germany - by 5 years), and in the CIS countries this initiative has already been supported (in Belarus and in Kazakhstan by 3 years - an increase is taking place gradually for six months every year), the majority of Russian citizens relate to this sharply negative.

People's indignation over raising the retirement age is not surprising. The government wants to raise the bar, based on the fact that many pensioners continue to work after receiving security, thus increasing their working age. However, most of the working pensioners are forced to continue working because their pension is not enough to live on.

In the Russian Federation, a pension reform will come into force in 2019, which will radically change the conditions for retirement. First of all, this concerns raising the age of workers, and secondly, the indexation of pensions, including for non-working pensioners. At the government level, the reason for the adoption of the new bill is the need to balance the system as a whole.

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Indexation of pensions for non-working pensioners in 2019

To form savings in old age, a citizen must work. In accordance with the new reform, the right to the insurance and savings portion remains. This procedure requires a working person to make contributions to the Russian Pension Fund in the established amount, and send the second part to a non-state pension fund or management company.

The volume to non-profit structures is no more than 6%, and the amount of payments to the Pension Fund is 10%. Thus, the funded part consists of those funds that a person transfers solely at his own request. In the absence of a corresponding application, deductions in the amount of 16% are automatically accumulated in the insurance part of the benefits.

After retirement age is reached, the Pension Fund carries out a procedure for assigning payments, the volume of which is calculated from two indicators - the insurance and savings part.

Probability of pension increases

Pensions for non-working pensioners require indexation every year. The amount of the increase is based on the inflation rate. The Russian Government Decree states that in subsequent years, after 2018, the following increase in deductions is possible:

from 2019-2020 conversion will increase by 4%.

Accordingly, the average level of benefits for an actual pensioner will be 13 thousand 400 rubles, and by 2020 it will increase to 14 thousand 900 rubles.

Please note: the restrictive measures established in 2016 will remain unshakable. The Ministry of Finance explains this situation by increasing wages for working older people. Thus, in 2018, the minimum wage became equal to the subsistence level.

Increase in pension contributions by 1000 rubles monthly

The Cabinet of Ministers plans for 2019 to adjust the established procedure for indexing contributions to elderly people and increase their level by 7.05%, i.e. above the inflation threshold, relative to previous periods.

In turn, this will make it possible to charge bonuses of one thousand rubles, which will improve the quality of life of a socially vulnerable group by an average of 12 thousand rubles. It is noteworthy that indexation will begin to take effect from 01/01/19 at a time, and not in 2 approaches, as established in the current Russian legislation.

The increase planned for next year will be carried out at the expense of budgetary funds included in the new bill, i.e., through savings due to an increase in the retirement age.

Such an increase in payments will be made only for pensions, non-working pensioners, including in 2019. There are no plans to increase those citizens who will remain in their jobs.

Who is entitled to a bonus in 2019?

At the government level, an increase of 1,000 rubles is associated with an increase in the retirement age of persons with insurance contributions. Thus, an increase in payments does not threaten all citizens, but only that category of persons who have fulfilled the following requirements:

Persons who are current actual pensioners;
Citizens receiving benefits in old age, due to the loss of a breadwinner or disability.

At the same time, the Russian government has not provided for the accrual of increases for working elderly citizens since 2019. Indexation of this category of persons has not been carried out since 2016 and in the future this provision will not be revised in a different direction.

Against this background, recipients of social benefits received an increase in payments from April 1 in connection with the adjustment of the minimum subsistence level for an unprotected category of citizens.

Subsidies in the amount of 1,000 rubles will be provided to citizens with the average benefit in the Russian Federation in 2019, i.e. 14,414 rubles. In fact, the size of the increase differs from the amount of support, i.e. one thousand rubles for the average benefit. However, relative indicators indicate that growth will be no more than 7.05%.

Latest news about pensions from 2019

The President of Russia set tasks for the government to increase the level of income of the population. In this regard, a number of events and government programs are planned, within the framework of which benefits will grow at a rate exceeding inflation. Not the least importance in such measures is given to an increase of one thousand rubles. Thus, it becomes clear how much the pension for non-working pensioners will be increased.

Next year, the increase in subsidies will be over 14,000 rubles relative to the current average income of an elderly person. This will be possible thanks to the increase and the projected inflation threshold of 4%. The government assumes that this approach will be able to guarantee the preservation of the average size of benefits, and by 2024 payments will amount to 20,000 rubles. Thus, there will be an increase in household incomes by 35% compared to 2018.

Important! Minister of Labor M. Topilin noted that regulations providing for the correction of traditional indexation will be considered as part of the second reading of the law on increasing the age of retirement. The State Duma will also consider the possibility of adjusting the pension budget in 2019 taking into account upcoming expenses.

In accordance with current legislation, non-working pensioners receive an annual conversion of 50% of current inflation. The possibility of subsidies in the next year, as well as their growth, depends on savings in the Pension Fund of the Russian Federation due to an increase in the retirement age. In addition, the Russian government noted several times that the budget released as a result of the measures will be used to increase the quality of life of a socially vulnerable category of citizens.

Social supplement to pension

Social subsidies are the total amount of security transferred to the recipient if the citizen’s income does not reach the minimum wage. Accordingly, the additional payment involves bringing the pension to the minimum threshold. The social pension is intended for the low-income category of the population and is provided from the federal budget. Moreover, its size does not depend on the type of payments and personal savings of the citizen.

The main difference between SD and financial state assistance is the targeted factor and a one-time payment. That is, it is established and transferred every month until the person finds a job or his income reaches the subsistence level.

The process of determining rights to a social pension is formed from the following types of contributions:

All pension payments, including those through law enforcement agencies;
Any monetary contributions to the disabled, WWII veterans, families due to the loss of a breadwinner, as well as those equivalent to these groups. The set of additional services includes:
- use of public city transport, including to the place of treatment;
- medications;
- treatment in sanatoriums;
Social subsidies of additional importance intended for Heroes of the USSR and the Russian Federation, order bearers and other persons receiving payments for various services to the Motherland.

Experts note that the third point is inappropriately included in this list, since these citizens already receive material support several times higher than the minimum wage.

It is noteworthy that regional authorities also carry out social support measures in the form of one-time contributions. In addition, social support presented in kind is not taken into account in the total amount of income. The exception is payment for mobile or landline communications, housing, utilities, and free travel.

Important! The new bill sets the age for retirement: 65 years for men, 60 years for women. The President of Russia introduced such a softening of the policy, since initially the plans were 63 years for women. However, innovations will be introduced systematically, and in 2109 a transition period will begin, due to which the age of future pensioners will be increased by 6 months, i.e. for the female population - 55.5 years, for the male population - 60.5 years.

Who can claim additional payments to pensions?

SD is not intended for all categories of citizens, therefore, in order to obtain the right to receive deductions, a number of requirements must be met:

Be a member of the Pension Fund of the Russian Federation as an actual pensioner, i.e. the presence of employment automatically removes the right to apply for benefits, regardless of the amount of remuneration;
Permanent registration and residence in the country. If you are abroad, the subsidy is automatically withdrawn;
Benefits are intended only for low-income people if their income does not reach the pensioner’s subsistence level.

Determining the prerequisites for obtaining SD may include deductions:

according to old age;
presence of a disability group;
work experience;
due to the loss of a breadwinner;
and other.

In fact, the recipients of government subsidies are vulnerable segments of the population, i.e. people who have retired and lost their breadwinner, including those working in departments. In addition, applicants for the right to SD are disabled people of category III and recipients of a social pension.

Types and amounts of social surcharges

State plan subsidies are divided into 2 types:

federal purpose (FSD);
regional purpose (RSD).

In each region, if a benefit equal to the subsistence level is not received, only one increase in the pension of a non-working pensioner can be received.

Please note: the type of subsidy depends on the price of the minimum wage in a particular region of location. If a person moves for permanent residence to another region, the amount of the supplement will be revised in accordance with the current standards in the new region of residence.

Federal social subsidy

The accrual of FSD is established in those areas where the subsistence minimum of regional significance is lower than the national average. The amount is calculated in such a way that the final income of a person’s pension contributions is not below the pensioner’s subsistence level.

Deductions for this type of benefits are made from the federal budget under the auspices of the Pension Fund of the Russian Federation. Statistics indicate that in most regions of the country there is a system of federal subsidies for actual pensioners.

At the same time, there are entire districts where the population’s income does not reach the minimum wage, namely:

North Caucasian Federal District, where the average monthly salary is 7535 rubles;
Southern Federal District - 8171 rub.;
Volga region - 7746 rubles;
Siberian district - 8514 rubles;
Crimean Autonomous Okrug - 8098 rub..

This situation is due to the low incomes of citizens, and as a result, the unsatisfactory quality of life in a particular region. After reviewing the economic indicators, the Russian government established the possibility of obtaining additives.

Regional social supplement

Regional bonuses are assigned in those areas where the minimum wage of older people is higher than throughout the country. Such territories are recognized as the northern regions, as well as donor regions with positive dynamics in quality of life. According to statistical information, in the Russian Federation in 2017 there were only 16 regions with a valid RSD.

The right to form and make payments of regional subsidies is vested in executive authorities. Most often, such institutions are social protection authorities in the territory where the elderly person is located.

Only the Pension Fund of the Russian Federation can assign and pay federal subsidies, according to an application received from a citizen, which is submitted simultaneously with the formation of old-age benefits or other subsidies. In addition, the application can be submitted at the moment such a right arises directly at the branch of the Pension Fund of the Russian Federation at the address of residence.

Note: complete information on how to receive a regional subsidy is provided by social security authorities automatically without a citizen’s application.

The Government of the Russian Federation sets goals for the coming years to improve the quality of care for the welfare of the population. Therefore, obligations were taken to support actually elderly people if they receive benefits below the minimum wage or minimum wage. Thus, the poverty threshold is expected to decrease to unprecedented levels.

Watch the video about whose pensions will be increased in 2019

November 20, 2018, 19:31 Jan 29, 2019 20:13

Indexation of pensions in 2018 in Russia will be carried out in three stages:

The moratorium on indexation of pensions in 2018 will be maintained - that is, employed citizens who are already retired will be able to count only for recalculation from August 1 based on accrued pension points for the previous year. They will be able to receive all the indexation missed during the moratorium.

In addition to the indexation of pension payments, in 2018 there will also be changes in the basics of pension provision for Russian citizens, which will affect the conditions for retirement upon reaching retirement age and the formation of pension rights of working citizens. Another question that concerns pensioners in connection with the onset of the new year is whether there will be one (alas, but no - this time there will be no such payment).

Indexation of pensions in 2018

According to the provisions of Law No. 400-FZ of December 28, 2013, insurance (labor) pensions of citizens must be indexed annually from February 1 to the inflation level of the previous year, and if the Pension Fund has additional financial resources, indexation is carried out again on April 1. But the new year is traditional The procedure for indexing labor pensions will change: their increase will occur 1 month earlier - already.

Social pensions and other social payments made by the Pension Fund, will be promoted as usual to the actual level of price growth for 2017:

At the same time, an increase in insurance pensions. Let us recall that the indexation of pensions for working citizens was suspended in 2016 due to the difficult economic situation in the country. This freeze helped save the state 12 billion rubles. However, all missed indexations must be compensated to the citizen already.

Pension increase from January 1, 2018 (latest news)

In accordance with the law adopted by the State Duma on December 15, 2017 (introduced by the Government as) on changing the procedure for indexing insurance pensions in 2018 all types of pensions (old age, disability, survivors) should increase from January 1, 2018 by 3.7%. The previous procedure for increasing labor pensions is suspended until the beginning of 2019, and this increase does not apply to working pensioners (see the text of the law below).

It should be borne in mind that any insurance pension consists of two parts:

fixed payment(or FV) is a constant value guaranteed by the state (for all categories of recipients it is set in a fixed amount);
directly insurance part- this is an individual calculated value, which depends on the number of pension points earned during work.

January indexation will affect both parts of the pension as follows:

The fixed payment will be increased by 3.7% and will remain unchanged 4982 rubles 90 kopecks, its increase or decrease is legally established for certain categories of citizens by Law No. 400-FZ of December 28, 2013;
The insurance part of the pension directly depends on the points earned by the pensioner, the cost of which will increase from January 1 by 3.7% and amount to 81 ruble 49 kopecks.

In 2017, actual inflation in the country was recorded at no more than 3%. Consequently, the increase in pensions proposed by the Government by 1.037 times in 2018 formally covers the increase in consumer prices (although, of course, in its absolute value this increase will be very small - the increase will be even less than in previous years).

Increase in social payments to pensioners in 2018 from February 1

From February 1, 2018, there will also be an increase (indexation) of all social payments of the Pension Fund provided for various categories of citizens (disabled people, veterans, heroes of Russia, etc.). They are provided in the form of monthly cash payments (MCB), an integral part of which is also a set of social services (NSS).

In general, NSU consists of three parts (medicines, travel and sanatorium treatment) and is provided at the choice of the pensioner in one of two ways:

in kind (that is, directly by social services);
in monetary terms when refusing natural food.

The cost of a set of such services (each part separately) is determined by law and increases in direct proportion to the growth of the monthly payment (EDV) - i.e. by the same percentage. In 2018, this increase is planned at a level of less than 3%, so beneficiaries will hardly feel such an increase. The preliminary values of EDV and NSU in 2018 can be found in the table.

Thus, from February 1, 2018, it is planned to index social payments (including a set of social services) to the actual inflation level of last year. In the draft Government resolution, this value was fixed at 3.2%, but actual inflation will be less than 3%, so the size of the increase will be even smaller (the same applies).

Indexation of social pension in 2018 from April 1 by 4.1%

A social pension is a special type of pension, which is characterized by the pensioner’s lack of work experience for some reason. Such a pension is assigned in a fixed amount approved by law. And, as a rule, the size of social pensions is significantly lower than the calculated labor (insurance) pensions.

It should be noted that in the last two years there has been a decrease in the established growth rates of social pensions. So in April 2017, this type of pension was indexed by only 1.5%. In 2018, it is planned to reach the usual (pre-crisis) increase in the level of this type of pension provision - the projected growth of social pensions in April 2018 will be approximately 4.1%.

Unlike labor pensions, indexation of social pensions is tied to change in the cost of living of a pensioner for the previous year. Therefore, the amount of indexation of insurance and social pensions for the same year may differ (although in both cases it is associated with actual increase in consumer prices).

Thus, one of the positive changes in 2018 is a more noticeable increase in the cost of living (LS) in the country, including separately by region. At the same time, the established PM allows all non-working pensioners to receive additional payments (the so-called social supplements up to the subsistence level- federal and regional), if the size of their pensions is lower than the approved values.

According to the law, the level of a citizen’s pension should always be not lower than the subsistence level in the region, in which he lives (hence the seemingly strange statements of the Government that “There are no low-income pensioners in Russia”- they all receive pensions in combination with other social benefits in an amount not less than the monthly minimum wage.

Since 2010, pension applications have already included a section on receiving social benefits. If your pension was assigned before 2010, and you did not submit a separate application for an additional payment, and the amount of the pension is below the established subsistence level in the region, then you must independently contact the territorial bodies of the Pension Fund.

Pension increase in 2018 in Russia for working pensioners

The laws adopted in the State Duma do not provide for any changes for the working population receiving pensions for 2018. This means that working pensioners will continue to receive pension amounts without annual indexation.

Let us recall that the indexation of pensions was stopped in February 2016 for those citizens who continue to work, having exercised their right to pension provision. The Government’s plans included not indexing pensions for working Russians up to 2019.

This moratorium on pension indexation operates as follows:

Those citizens who retired before February 1, 2016 and retained their jobs will remain without an increase in their pensions from February 2016.
For citizens who became pensioners after February 1, 2016, when calculating the individual pension coefficient (IPC), all increases that took place on the date the right to a pension became available are taken into account.
If you continue to work and simultaneously receive a pension, all subsequent indexations from the date of employment will again not be applied.

Working pensioners have the right to increase their pension only through annual recalculation according to the employer. From August 1 of each year, the pensions of such citizens increase by the number of points taken into account in the previous year for the period of labor activity and payment of insurance contributions during this period. But no more than 3 points per year!

An example of how working pensioners will recalculate pension indexation in the Pension Fund

A woman born on May 1, 1962, retired in 2017 within the period established by law and continues to work. What indexations will be taken into account when determining the size of the pension? And from what time will the pension stop being indexed?

The calculation of the pension for this woman will be made on the date May 1, 2017. When calculating the IPC, all approved pension growth indices will be taken into account, starting from 2015 to 05/01/2017.

The cost of one pension coefficient will be taken as of 05/01/2017 - this is 78.58 rubles.
The fixed payment included in the insurance pension will be taken into account taking into account indexation as of May 1, 2017 and is equal to 4805.11 rubles.

Further, subject to continued performance of paid work, all subsequent indexations of singing after appointment will be suspended. Those. the indexation carried out will no longer be applied to this woman’s pension. And this will continue until she quits her job or is fired by her employer.

Indexation of pension after dismissal of a working pensioner in 2018

In 2017, a law was adopted according to which the period for recalculating pensions after dismissal was changed. In 2018, working pensioners will be able to receive a pension with all missing indexes from the next month after dismissal. At the same time, the pensioner himself will not need to additionally apply to the Pension Fund, since this recalculation is entirely based on the monthly reporting of employers!

Previously, after leaving work, the pensioner received a recalculation of the pension received, taking into account all indexations in three months:

the first month is the submission of reports to employers to the Pension Fund about citizens working in the organization;
the second month - data on the fact of work was loaded into a single software package operating nationwide;
the third is the adoption by the territorial body of the Pension Fund of the Russian Federation of a decision on recalculation.

For citizens who stopped working in 2018, the period for calculating pensions is reduced, taking into account indexations missed during work. This will be possible after entry into force from January 1, 2018 Federal Law No. 134-FZ of July 1, 2017.

However, the process of additional accrual of missed increases will be the same for technical reasons will also take several months. But after this, when paying an already recalculated pension after 3 months, an additional payment will be made for the entire period following dismissal.

This innovation applies only to those who have been laid off. after January 1, 2018. If a pensioner quit, for example, in December 2017, then the indexation of his pension will be carried out only from April 1, 2018 - without additional payment for the period from January to March (in other words, these months will be lost).

Latest news and latest changes in pensions

As has already become clear, the increase in pensions in the new year for most categories of pensioners (barely noticeable) or, as for the large category of working pensioners -. But in the new year demands will increase to already formed pension rights and the level of wages of Russian citizens for retirement:

No other significant changes are expected in the Russian pension system in 2018. In particular, the amount expected by many in the amount of 5,000 rubles will not be paid in 2018- this was a one-time, one-time additional payment, which was due to all pensioners in January 2017 in return for the additional indexation required by law that was missed in 2016 (and there is simply no reason to pay it in 2018).

And one of the few truly good news for Russians is that no decision has yet been made on what is relevant for those who are still working or planning to retire (including men born in 1958 and women born in 1963).

Will there be a one-time payment of 5,000 rubles to pensioners in 2018?

At the beginning of 2017, recipients of all types of pensions, regardless of the fact of work, received an additional payment in the amount of 5,000 rubles. This measure was necessary in the current economically unstable situation.

Against the backdrop of a high level of inflation and the impossibility of carrying out additional indexation of pensions, in 2016 a decision was made to make a one-time payment to citizens’ pensions (Law No. 385-FZ of November 22, 2016). Thus, the pensions of Russians were “conditionally re-indexed”, many of whom perceived this simply as a New Year’s gift.

Currently, according to the Government, the economic situation in the country is normalizing. Over the past 12 months, the increase in consumer prices (inflation) does not exceed 3%, and pensions in 2017 rose in total according to two indexations by 5.78%.

The upcoming indexation of 3.7%, planned for January 2018, exceeds the inflation rate for 2017. Therefore, no additional one-time payments (5 thousand rubles or any other) will be made besides!

Will there be an increase in the retirement age in 2018 (latest news)

In the last few years, the most discussed and acute issue for Russians is question of increasing the retirement age. In many other countries, including post-Soviet ones, corresponding decisions have already been made and are being implemented.

For example, from January 2017 in Belarus the retirement age will be increased annually by six months until women reach 58 years and men 63 years. In Kazakhstan, the same values apply - for women at 58 years old, for men at 63 years old.
In many developed countries, such as Germany, men become pensioners at 65 years old, and women at 60 years old.
In Ukraine, the Verkhovna Rada adopted a law on pension reform, which also included an increase in the current retirement age.

Now this issue has come to a head in Russia. According to the Government, it is primarily due to the fact that the working age in the country is increasing - i.e. About a third of Russians already stop working later than retirement.

However, due to the great unpopularity of this measure, the Russian Government has not yet made a final decision on extending the retirement age (although many consider this issue resolved and note that it will most likely begin to be implemented after the next presidential elections, which will be held in March 2018 - but for now these are just rumors).

How many points and work experience do you need to retire in 2018?

Since 2015, a point system for calculating labor (insurance) pensions for citizens has been in effect, in which insurance premiums paid to the Pension Fund by the employer for its employees are transferred from rubles to relative values (points). The amount of contributions taken into account for the year is correlated with the maximum accountable amount of contributions approved by the Government, which corresponds to 10 pension points(this is the maximum that can be received in one year).

But in order to obtain the right to retire in old age within the generally established time limits, it is necessary to comply three mandatory conditions:

reaching the age established by law;
availability of insurance (work) experience;
the presence of an established value of the individual pension coefficient (IPC) or, in other words, the size of pension points.

It should be noted that this only applies to old age pensions! Other types of pensions for compulsory pension insurance (disability, survivors) are appointed independently on the length of work (insurance) experience and the number of points received.

Since 2018, a mandatory condition for granting a pension upon reaching retirement age (currently 55 years for women and 60 years for men) is the availability of 9 years of experience and 13.8 points individual pension coefficient (IPC).

An example of calculating pension points from 2015 to 2018

For a man born in 1965, he has an official salary before income tax (NDFL) of 30,000 rubles (accordingly, annual earnings are 360,000 rubles). Let’s assume that this citizen’s salary has never increased since 2015. At the same time, deductions are not made for him to the funded part of the pension, since he was born before 1967. Thus, the employer pays insurance premiums for this man to an individual personal account in the amount of 16% of earnings before personal income tax - that is, 16% × 360,000 = 57,600 rubles per year. Let's calculate how many points this man has earned since 2015, when the new pension formula came into effect.

Every year the Government approves for these purposes the so-called salary cap, the amount of mandatory contributions from which to the Pension Fund of the Russian Federation to a citizen’s individual personal account is 16%. Thus, the maximum established salary in the country from 2015 to 2018 is the following values (see table below).

In 2018, the insurance base for contributions to the Pension Fund will be 1,021,000 rubles according to Government Decree No. 1378 dated November 15, 2017. Then the maximum amount of insurance premiums taken into account for the year, accepted for 10 points, will be 163,360 rubles (an increase of almost 17% compared to 2017).

Therefore, every ruble earned in 2018 will “depreciate” when transferred to pension points relative to 2017 by immediately 1 - (1 / 1.17) = 15%, and relative to the level of 2015 - by more than 30! Therefore, it is not enough to have only a constant high salary to form decent pension rights. So that their volume does not decrease from year to year, according to the new pension formula salary must grow by at least 10% per year(see table above).

Let's return to our example. To convert monthly earnings of 30,000 rubles into points, you need to correlate the salary data (taking 16% of annual earnings, which in the example under consideration will be 57,600 rubles per year) to the established limit values and multiply by 10:

57600 / 113760 × 10 = 5.06 points earned by a citizen in 2015;
57600 / 127360 × 10 = 4.52 points in 2016;
57600 / 140160 × 10 = 4.11 points in 2017;
57600 / 163360 × 10 = 3.53 points will be earned in 2018.

Thus, in just 4 years, while maintaining the same level of wages (in the example under consideration, this is 30 thousand rubles per month) the number of accrued pension points decreased by 30%(in this example - from 5.06 points in 2015 to 3.53 in 2018). Thus, in the modern pension system

In 2019, Russia began another pension reform, which primarily involves increasing the retirement age for men and women by 5 years. However, in connection with this, other important changes will occur in pension legislation. In particular, starting from 2019, payments to Russian pensioners - insurance (labor) pensions for non-working pensioners will be increased annually at a rate faster than official inflation, and the date of indexation will be postponed on January 1. The relevant parameters of the reform are fixed in new pension law, which has already been signed by the President and officially published.

The average amount by which the pension will be increased in the coming years. It should be noted that only non-working pensioners whose pension amount is equal to the average in the Russian Federation can count on such an increase - that is, they amount to 14414 rub. in 2018. Those who have smaller/more pensions will have an increase in 2019 of respectively less/more than 1,000 rubles.

How will pensions increase in 2019 due to an increase in the retirement age?

Unfortunately, so far all innovations in pension legislation regarding pension indexation apply only to non-working pensioners. , at least for the coming years, the “indexation freeze” in force since 2016 will remain. All missed promotions will be credited to them after dismissal.

In total, in connection with the pension reform, the following changes are proposed, which should be recorded in amendments to the pension legislation by the end of 2018:

Now the insurance pension will always be increased in an increased size- that is, higher than the inflation rate (which is expected to be within 4% in the coming years). It is expected that this will significantly improve the standard of living of Russian pensioners. New indexation date - from January 1 of each year.
This program will be calculated at least for 2019-2024. During this time, they plan to increase the average insurance pension amount by 6,000 rubles. ( 1000 rub. in year).
Actual premium will be calculated individually by multiplying the pension amount by the indexation coefficient corresponding to an increase to the average pension in the amount of 1000 rubles. As of 01/01/2019, the coefficient is 7.05%.

In the future, until 2024, they plan to increase pensions annually on average by 1000 rubles. That is, the total annual income of a pensioner in each subsequent year is greater than in the previous one. This surcharge will apply only non-working pensioners.

Why is pension reform needed in Russia?

There has long been talk about the need for a more significant increase in pension payments than has been done in the last few years (especially against the backdrop of the economic crisis in Russia of 2014-2016). In connection with the signing of Presidential Decree No. 204 of 05/07/2018, measures must be taken already in 2018 to pension growth exceeded inflation rates. The government notes that this is only possible in one case - if the retirement age of Russians is increased, since the concepts of “pension size” and “retirement age” are closely related.

The Government notes that due to the reduction in the working population and the increase in the number of pensioners, a significant increase in pensions can only be achieved raising the retirement age. This is a necessary measure, but without it, the incomes of pensioners will not only not increase, but will also continue to decrease in real terms. According to the authorities, it is impossible to ensure a long-term increase in pensions in any other way.

Update: February 22, 2019

Pension increase in 2019 – will there be further indexation and by how much? Read on this page the latest news about increases in pensions for working and non-working people.

The topic of increasing pensions in Russia today is being discussed very actively at all levels. Still would! Another pension reform is unfolding in the country. We have not yet gotten used to the so-called Pension points, but they already want to cancel them. Well, most importantly, a decision has been made to raise the retirement age in Russia.

What should today's pensioners (working and non-working) expect? What will be the indexation of pensions in 2019? When will pensions be raised and by how much?

Many questions arise. Let's start with what Vladimir Putin said about raising pensions.

Putin on indexation of pensions in 2019

Russian President Vladimir Putin has recently addressed the topic of raising pensions twice.

1. First, in a televised address on pension legislation, he stated that “ already in 2019, the indexation of old-age pensions will be about 7 percent, which is twice as high as the predicted inflation at the end of 2018. In general, over the next six years we will be able to annually increase the old-age pension for non-working pensioners by an average of 1 thousand rubles».

2. And then, during his annual address to the Federal Assembly, Putin commented on how officials carried out his instructions to increase pensions by 7 percent. It turned out that it was quite bad. The President scolded the officials and demanded a recalculation:

« ...This year pensions were indexed. But if a pensioner’s income exceeded the subsistence level, they stopped paying him the social supplement. As a result, the size of pensions has practically not increased, and people feel deceived. It was necessary to take into account all the nuances, but this was not done. The injustice that has arisen must be eliminated immediately.- Putin said. — The state must first bring the pension to the subsistence level, and only then carry out indexation. We need to count and return to people the money they have not received since the beginning of the year...»

Let's try together to figure out what the authorities screwed up with the indexation of pensions in 2019, and how do they plan to correct the situation?

1. Indexing insurance pension in 2019

The president’s instructions from a televised address regarding a 7 percent increase in payments were embodied in the budget of the Russian Pension Fund for 2019–2021. It spells out plans for indexing pensions for the near future. But we are primarily interested in the situation that has developed with the increase this year. We'll tell you.

Pension increase in 2019: increase and recalculation

In the last three years, on average, pensions have been increased by 400–500 rubles. So,

in 2016 the increase was 399 rubles,
in 2017 – 524 rubles,
in 2018 – 481 rubles,
in 2019 -...

Speaking about increasing pensions in 2019, Putin, as we remember, named two figures:

indexation by 7 percent;
an average increase of 1000 rubles.

But many misunderstood the president’s words!

Putin’s 7 percent turned into 7.05...

With percentages, it would seem that everything is clear.

The President said that in 2019 the indexation of old-age pensions will be about 7 percent. The exact figure was specified in the Pension Fund budget.

“From January 1, 2019, the old-age insurance pension for non-working pensioners has been increased by 7.05 percent. As a result, the average annual old-age insurance pension for non-working pensioners in 2019 will be 15.4 thousand rubles.”

But there was a problem with the thousand.

…Not everyone received 1,000 rubles towards their pension!

Some pensioners thought that 1000 rubles would be distributed to everyone. But, having received the first payments for 2019, they were disappointed. Their increase turned out to be less than the expected thousand. The Russian Pension Fund explained:

the increase is individual for each pensioner, and its amount depends on the size of the pension!

In this table, the site clearly showed the amount of pension increase from January 1, 2019, based on its established amount.

		Increase in pension amount, rub.

According to the Pension Fund of the Russian Federation

As you can see, for some the increase was less than 500 rubles, while for others it was more than 1.5 thousand. But suddenly another problem emerged.

Some of those who receive a pension below the subsistence level did not receive an increase in monetary terms at all! That is, indexation seems to have occurred, but the actual payment amount has not changed! How could this happen?

The poorest did not see increases

We are talking about those whose pensions do not reach the minimum subsistence level for a pensioner (PMP) in the region. Today, there is a special support measure for them: along with a pension, they receive a social supplement so that their total monthly income reaches the subsistence level.

Pension + Additional payment = Pensioner's Living Minimum (PMP).

What did the officials do with the promotion? It's simple.

How the pensions of the poorest pensioners were indexed since January 2019

Let's give an example.

A pensioner living, for example, in Voronezh received an insurance pension in the amount of 8,000 rubles. The living wage for a pensioner (PMP) in this region is 8,750 rubles. Therefore, he is entitled to an additional payment of 750 rubles.

As a result, he receives monthly: 8000 + 750 = 8750 rubles.

From January 1, this person’s pension, due to indexation by 7.05%, increased by 564 rubles and amounted to 8,564 rubles. But in monetary terms, he did not feel the increase, since the Additional payment was reduced by the same amount: 750 - 564 = 186 rubles.

Now he continues to receive the same 8,750 rubles every month - the size of the living wage for a pensioner (PMP) in the Voronezh region. Only its payment is calculated a little differently: 8564 + 186 = 8750 rubles.

As you can see, the terms have changed as a result of indexation of pensions, but the real amount of payments has remained the same!

It was precisely this kind of injustice that Putin spoke about during his annual address to the Federal Assembly.

How pensions will be indexed according to the new rules (taking into account the pensioner’s cost of living)

Putin said: “The state must first bring pensions to the subsistence level, and only then carry out indexation.”

How did you understand his words?

Perhaps someone thought that the state would first bring the pension of the poor pensioner from Voronezh from our example to the subsistence level of 8,750 rubles, and then index this PMP by 7.05%. And as a result, our pensioner will receive 8750 + 616 = 9366 rubles. But that would be too good. Officials understood Putin's words differently.

They came up with a new mechanism for calculating monthly payments to those whose pension does not reach the subsistence level. Let's look at it using the example of the same poor Voronezh pensioner.

As we remember, his pension in the amount of 8,000 rubles was indexed by 7.05 percent from January 2019, resulting in an increase of 564 rubles. According to the new rules, this is the amount that will be added to his current monthly allowance.

Pension before indexation (8000) + Additional payment before indexation (750) + Increase received as a result of indexation (564) = 9314 rubles.

Or you can do this:

The amount of the Pensioner's Living Minimum in the region (8,750 rubles for the Voronezh region) + The increase received as a result of indexation (564) = 9,314 rubles.

That is, the real amount of payments in monetary terms will increase by 564 rubles.

Well, of course, it's better than nothing!

Who does the new pension calculation procedure apply to?

We are talking only about those pensioners whose pension does not reach the minimum subsistence level for a pensioner (PMP) in the region!

For what months will the recalculation be carried out?

According to the new rules, pensions for January and February will be recalculated. Recalculation of payments will take place without notice. There is no need to contact the Russian Pension Fund or submit any applications.

2. Promotion social pension from April 2019

State pensions, including social ones, traditionally increase from April 1. As we remember, from April 1, 2017, social pensions were indexed by 1.5 percent, and from April 2018 - by 2.9%. As a result of indexation, the average social pension increased by 255 rubles and after the increase amounted to 9,062 rubles.

How much will our government spend this time?

Putin said nothing about social pensions. At first, as the Pension Fund reported, the following increase parameters were planned: “State pension pensions, including social ones, will be increased for all pensioners by 2.4% from April 1, 2019, and the average annual social pension will increase to 9.2 thousand. rubles."

But at the end of February, plans suddenly changed!

The Russian Ministry of Labor has prepared a draft government resolution in this regard (it is posted on the Federal Portal of Regulatory Legal Acts), in which the previously planned growth of 2.4% has shrunk to 2.0%.

3. Pension indexation working pensioners in 2019

As we remember, in 2016, 2017 and 2018, the insurance pensions of working pensioners were not indexed. There is also no need to expect an increase in 2019.

There were even rumors that the payment of pensions to working pensioners, in connection with the reform of the pension system in Russia, was planned to be abolished altogether. Fortunately, these are just rumors.

Deputy Prime Minister Tatyana Golikova in the “Sunday Evening with Vladimir Solovyov” program on the Rossiya 1 TV channel assured that “working pensioners continued to receive pensions and wages, and will continue to receive both pensions and wages.”

However, after they cease working, the amounts of the insurance pension and the fixed payment to the insurance pension will be recalculated taking into account all indexations that took place during their work. Recalculation will be made from the 1st day of the month following the month of termination of work.

Well, of course, in August 2019, working pensioners will have their pensions recalculated based on the results of last year.

4. Recalculation of workers' pensions in August 2019

In August 2019, working pensioners will most likely face a traditional non-declaration recalculation.

The increase in pension as a result of recalculation is individual in nature and depends on the amount of insurance contributions that the employer paid to the Pension Fund for a working pensioner in 2018.

Pension indexation calendar for 2019

Based on this information, the site’s correspondents compiled a preliminary pension increase calendar for 2019.

From January 2019 - an increase in the old-age insurance pension for non-working pensioners by 7.05 percent.
From January 1, 2019, an increase of 25 percent is introduced to the fixed payment of the insurance pension for non-working pensioners living in rural areas and having 30 years of experience in agriculture.
In March (or April) 2019 - recalculation of incorrectly indexed pensions of NON-WORKING pensioners.
From April 2019, the social pension will increase by 2.0%.