What is the pension score made up of? Retirement score. What is an individual pension coefficient
Until January 2015, the activities of the pension system were legally regulated by Federal Law No. 173 dated December 17, 2001 "On labor pensions in the Russian Federation". insurance pension before the start of a new stage of the reform, it was called labor and consisted of two parts: insurance and funded.
In connection with the next stage of reform that started in early 2015 pension system, there was a transition to fundamentally new provisions of its functioning, with the introduction of new concepts and a change in the calculation formula.
However, the reform does not yet bring desired result and the PFR budget deficit continues to grow despite conditional acceptance federal law dated December 14, 2015 No. 383, the decision to extend the moratorium on the formation pension savings until the end of 2017 and the abolition of indexation of pensions for working pensioners.
Insurance and funded part of the pension in 2015
At present, when the insurance and funded parts labor pension become its individual types their appointment and calculation are made separately after applying to the FIU with the relevant applications.
Legal regulation of the procedure for calculating and establishing funded pension carried out by the relevant law N 424 of December 28, 2013.
The introduction of the IPC formula is a new condition that obliges future pensioners not only to have sufficient work experience, but also to ensure timely receipt of contributions to the Pension Fund.
The use of a PC when calculating pensions makes it possible to increase the interest of citizens in paying by employers, statutory, contributions to the PF budget.
IPC is calculated Every year based on the amount of contributions paid under the OPS to the Pension Fund of the Russian Federation during the period of employment. Calculated as follows:
IPC = SW / MSV × 10,
- SW- the amount of insurance premiums made for the year in which the calculation takes place;
- MSV- 16% of the maximum taxable base (in 2016, 796 thousand rubles).
On April 1 of each year, by a decree of the Government of the Russian Federation, the cost of one point for the next period is established. Since February 1, 2017, it has been set at a rate of 78 rubles 28 kopecks.
The increase in value can be carried out twice a year:
- February 1 depending on inflationary processes in the economy.
- April 1 of each year and depends on the state of the budget of the FIU.
Fixed payment to the insurance pension
In the course of further reform of the pension system, instead of the basic size of the insurance part, since 2015, the concept of fixed payment (PV).
A fixed payment is set in a fixed amount and indexed by a coefficient established by a government decree annually.
Taking into account the indexation, which was carried out in 2017, the FV was set at 4805.11 rubles. This value will be set until the next indexing.
When assigning pension payments to certain groups of pensioners, multiplying coefficients are applied, the value of which for the PF and the insurance pension differs depending on the category of the recipient.
The coefficient of increase to a fixed payment, in accordance with Article 17 of the Federal Law of December 28, 2015 No. 400, is applied when assigning an old-age insurance pension:
- over 80 years of age;
- who are dependent on the persons listed in clauses 1, 3, 4 of part 2 of article 10 of the law "About insurance pensions";
- who have worked at least 15 years in the RC;
- residents of the Far North.
Minimum old-age pension in 2017
Since 2017, the minimum insurance period required when assigning an old-age insurance pension is 8 years, and the value of the individual pension coefficient should reach 11.4 points with an annual increase in its value by 2.4 points up to 30 points (part 3 of Art. 35 FZ N 400). The amount of points will directly depend on the size future pension. The calculation of the amount of payments for the minimum requirements is shown in the example below.
There is no concept in Russian legislation « minimum pension» because its size depends on many factors. However, she cannot be less than the subsistence minimum (PM) established for pensioners in the region of residence.
If, when calculating after applying all the allowances and coefficients, the pension turns out to be lower than the PM, then a social supplement is assigned. Such an allowance is paid to a pensioner only after he applies to the PF bodies with a written application for its appointment.
In 2016, the living wage for pensioners in the country was set at 8,803 rubles; in 2017, the law on the federal budget reduced it to 8,540 rubles. At the same time, the regions independently determine its size and, on its basis, establish regional surcharges. Working pensioners cannot count on the social supplement.
Considering that the amount of the fixed payment for 2017 is 4805.11 rubles, and the cost of one pension coefficient is set by the decision of the Government in the amount of 78.28 rubles, we calculate the minimum prescribed insurance pension by age:
4805.11 + 11.4 × 78.28 = 5697.50 rubles.
This value is below the subsistence level (8540 rubles in 2017), therefore, when assigning this amount of payments, you can apply for a social allowance which will increase the size of the pension payment.
When is the funded pension determined and how is it calculated?
- 234 months in 2016;
- 240 months was established in 2017.
If a citizen postpones for a year the application for the appointment of a funded pension upon reaching retirement age, the expected period will be shortened by 12 months, which will increase the amount of the monthly pension payment.
The duration of the expected period is established by Article 17 of the Federal Law N 424 of December 28, 2013 "About funded pension" and is annually determined based on statistical data on the life expectancy of pensioners.
Payments of pension savings are made simultaneously with the insurance pension. The method of delivery is determined by the pensioner at will.
Relatively recently active vocabulary of Russians was replenished with a new phrase "pension point" . The year is not over, and many publications predict what size to expect pension points in 2017and other related innovations. We propose to understand how the pension score affects the current formation of pensions.
current situation
The demographic situation and its numerical expression in Rosstat data indicate that the country's population is aging. In fact, out of 146 million people. Only 84 million of the country's citizens are able-bodied. At the same time, some of them are not employed under the contract. Further, the trend will only intensify. The leaders of the country have long understood the need to reorganize the existing pension system. The regular deficit of the Pension Fund replenished from the state treasury, the lack of accumulated funds, the inability to improve the situation of current pensioners due to lack of finances require finding ways that can solve the problem.
One of the options was the introduction of a funded part of the pension. Good system, which provides for self-accumulation of funds for future benefits, and even with a program state co-financing well suited for this task. However, the subsequent freezing of the funded part of the pension, coupled with the spending of these funds, did not add confidence to it among the Russians.
One of the stages of the pension reform in 2015, associated with a new accrual pension benefit, designed to solve this serious problem welfare. Fully new rules will come into force in 2025, until then a gradual transition will be carried out.
New payment method
The formula for determining the final amount of pension benefits contains IPC - individual pension coefficient, which is the sum of points awarded to a working citizen for each year of work.
The number of accumulated points is determined based on the amount of insurance savings transferred by the employer to the Pension Fund. This amount is then divided by 228, the average number of benefits paid after retirement (or, more cynically, survival period). And the result is divided bythe cost of a pension point in 2017 in Russia.
However, since there is maximum amount, from which deductions are made, we can also talk about the maximum number of points taken into account per year. It is assumed that it will be equal to 10 with a monthly salary of 59 thousand rubles. Now 7.83 points are taken into account. This is due to the transition period, during which this value increases annually, reaching 10 by 2021.
FROMvalue of 1 pension point in 2017
will be determined by law on February 1. In April, after the budget of the Pension Fund of the Russian Federation is approved, it can be adjusted. For example, in 2015 it cost 64.1 rubles, in 2016 - 74.27 rubles. Now it is expected that it will increase by the actual rate of inflation in 2016. That is, in the range of 5.5-6%. 
Conditions for granting a pension
The purpose of the retirement point is not only in determining the amount of the benefit. According to the new law, three conditions must be met in order to accrue an insurance pension:
- the onset of the appropriate age, called retirement;
- operating time minimum seniority defined by law;
- the minimum accumulated number of pension points.
In 2017, the required minimum score is set at 11.4, but by 2025 it will gradually increase to 30. This is a feature of the entry into force of the reform, which implies the presence transition period. If there are not enough points, then the citizen can continue labor activity to accumulate them up to the amount relevant for the year of retirement. It is also possible to apply for the appointment of a social benefit, which is minimal, but paid to all citizens of the Russian Federation who have reached retirement age without exception. 
There is no need to wait to check the current status of your pension account and find out the number of accumulated points. official letter from the RF PF. The information is available both online - through the all-Russian or regional websites of public services, through the website of the Pension Fund of the Russian Federation or in its branch. Thus, you can get all the latest information of interest, includingwhat is the pension score in 2017 in Russia:this data immediately after official legislative confirmation will immediately become available on these resources even to unregistered users.
With pension points from the moment the law comes into force, everything is clear. And if the savings were made before 2015? After all, this is the length of service, which is also taken into account when retiring. It is legally established that by the time of official retirement, all insurance savings are converted into pension points.
According to the norms of the current legislation, all working persons are subject to registration in the system of compulsory pension insurance (OPS), which is associated with the formation of an insurance pension (SP) by monthly transfer of insurance premiums.
If earlier the calculation of the joint venture was based on pension capital, today, due to the reform of the OPS system, the rules for calculating payments have changed somewhat. Since 2015, the amount of the joint venture is determined by the individual pension coefficient.
What is an IPC
From now on, the period of time during which the insured citizen carried out labor activity is converted into points, the total number of which directly determines the value of the joint venture.
Moreover, the higher the official earnings of a person, the more points he can score, since the amount of contributions to the Pension Fund of the Russian Federation is set as a percentage of the salary of a citizen. When accumulating points, only official wages are taken into account, therefore, such a system is extremely unprofitable for recipients of “gray” salaries.
The IPC is the total number of points earned, which is the main determining unit in determining the Pension Benefit (PS) amount.
Additional Information! If the insured person takes part in the formation of the joint venture only, the amount of contributions is 22% of his official earnings. At the same time, 16% of this amount falls on the personal account of the insured person and is taken into account during the calculation of the pension score (PB), and 6% goes to financing social benefits.
It is possible to calculate the amount of the IPC, however, as well as the amount of the pension, using a special formula fixed by law.
Legislation
Until 2015, which became a milestone in the functioning of the OPS system, every working citizen had the right to VET in case of disability due to old age or other circumstances. entailed a number of changes, including the abolition of the unified labor pension and the introduction of and as completely independent areas.
Note! Prior to the amendments to the legislation, these areas were components of the labor pension.
The establishment and procedure for calculating pensions, both insurance and funded, is regulated by the relevant law-making acts.
Thus, the appointment of a joint venture is carried out on the basis of Federal Law No. 400-FZ of December 28. year 2013. As for the funded direction, the main regulatory legal act in accordance with which the accumulation of funds is carried out is Federal Law No. 424-FZ of December 28, 2013.
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Conditions for receiving an insurance pension
Citizens who meet the established requirements are eligible to apply for a joint venture.
These include:
- achievement certain age(55/60 - women / men);
- sufficient seniority;
- Availability minimum quantity IPK.
As for the individual pension coefficient, by 2016 the minimum value was 9 points, each year this figure increases by 2.4 points, respectively, by 2025 it will reach 30.
How much does one IPK cost?
Due to the annual indexation, the value of the BOP is constantly increasing. The increase in the cost of one point is carried out under the patronage of the Government of the Russian Federation on the basis of inflation data for the previous year.
For example, during 2016 the cost of the IPC was 74.27 rubles, and in 2017 - 78.58 rubles.
Note! Due to the fact that in 2016 the indexation of the pension was not carried out in full (instead of 12.9%, payments were increased by 4%) at the beginning of 2017, each pensioner received a compensation fixed payment in the amount of 5,000 rubles.
In subsequent years, the Government of the Russian Federation guaranteed the timely indexation of both pensions and the cost of PB in full.
How to calculate IPC
According to the legislation, on the personal account of each officially employed citizen, during his working life, PBs are accumulated. The rights of persons who worked before the reform of the OPS system were automatically converted into an individual pension coefficient.
The calculation of the IPC is carried out using a special formula set out in Article 15 of the Federal Law No. 400-FZ.
When calculating, the time intervals in which the citizen worked and paid insurance premiums are taken into account.
Additionally, the periods when the insured person:
- completed compulsory military service in the ranks Russian army. For each year of service, you can accumulate an IPC in the amount of 1.8 points;
- was on social leave to care for a child up to 1.5 years old (the value of the PB depends on the number of children, it can reach 5.4);
- did not have the opportunity to work in connection with caring for a disabled family member (calculation of the IPC is carried out in a manner similar to that described in the previous paragraph).
- CB - the total amount of contributions aimed at the formation of the insurance pension of the insured person during the year;
- NSV - the maximum possible value of the contribution for the year.
IPK \u003d SV / NSV * 10
where SV = monthly salary * 12 (number of months in a year) * 16% (monthly deductions),
and DCI = maximum contribution * 16%
Example
The salary of citizen N. in 2016 did not change throughout the year and amounted to 18,000 rubles.
The calculation of the individual pension coefficient will be calculated as follows:
IPK \u003d (18,000 (s/n) * 12/100 * 16) * 10
IPC \u003d 34560 * 10 \u003d 2.71
The PB of citizen N. earned by him in 2016 is 2.71.
When calculating a pension, not only the PB accumulated before the reform and after it are taken into account, but also the IPC received during the forced separation from work:
- during the decree;
- caring for the disabled, as well as other family members who require additional attention.
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Restrictions regarding the maximum IPC
not ignored and maximum size IPK. According to the appendix to the basic law regulating the procedure for establishing a joint venture, this indicator also has certain limitations. Persons who have chosen to form only a JV will be able to score no more than 10 points annually in 2021. Maximum IPC of persons who gave preference funded direction, cannot exceed 6.25 points.
Since 2015, the pension rights of citizens are formed in pension points. All pension rights previously formed in rubles were converted into pension points without reduction, the website reports.
Pension point in rubles in 2018
Retirement Point in rubles in 2018 is equal to 81.49 rubles
Insurance pensions, including a fixed payment, for non-working pensioners will be increased by 3.7% from January 1, 2018, which is higher than the forecast inflation rate by 0.5%. The amount of the fixed payment after indexation will be 4,982.9 rubles per month, the cost of a pension point is 81.49 rubles (in 2017 - 78.58 rubles). The average annual insurance old-age pension will increase to 14,075 rubles (161.3% vs. living wage pensioner).
Pension point fixed payments in rubles in 2018
state pensions pension provision, including social ones, from April 1, 2018 will be increased for working and non-working pensioners by 4.1%. As a result, the average annual social pension will grow to 9,045 rubles (103.7% of the pensioner's living wage). The average size social pension for children with disabilities and disabled since childhood of the first group will be 13,699 rubles.
Source: Pension Fund Russia, official site
Pension point in rubles in 2017
When assigning a pension, the number of points recorded on the pensioner's personal account for all years of employment and for non-insurance periods is multiplied by the cost of one coefficient established by the Government, established in rubles. This is how the amount of the insurance pension is obtained. From April 1, 2017, one pension point costs 78.58 rubles.
What will be the pension in Russia in 2018, informs the site
The old-age insurance pension is assigned subject to reaching the retirement age: 60 years for men, 55 for women. Certain categories of workers are entitled to early retirement. Age is not the only condition for assigning a pension. Another factor is the length of service of a certain duration, which must be accumulated during employment. In 2017, 8 years are enough for those retiring, however, the minimum mandatory length of service increases every year. By 2024, it will reach 15 years, in accordance with the Law on Insurance Pensions.
The third condition is the presence minimum amount pension points. From 2025, every citizen retiring will have to “show” at least 30 points.
The number of accumulated points is calculated from the accrued and paid (the employer pays for the employee) insurance contributions to the mandatory pension insurance system, as well as the length of service. For each year of work of a citizen, pension rights are formed in the form of pension points. The maximum number of pension points per year from 2021 will be 10, in 2017 you can accumulate no more than 8.26. Calculate how many points a person can receive in a year at a particular level wages, you can on the main page of the website of the Pension Fund.
According to the new law, along with periods of work, the insurance record of one of the parents includes periods of caring for children until they reach the age of 1.5 years, but in total no more than 6 years (in other words, in pension rights no more than 4 children are counted per parent). At the same time, according to paragraph 12. Art. 15 of the new law, the number of pension points accrued for a full calendar year of childcare will be different depending on the order of their birth (the maximum points are set for the third and fourth child- see table).
AT recent times pension reform has undergone so many changes that it is just right to get confused in the numbers. To whom and how much? Those who first asked this question immediately stumble upon another very interesting definition: retirement points. What is this and what does it have to do with the amount offered to us by the state for old age? We will talk about this and not only today.
Retirement points: what is it, how are they calculated, how much will pensioners need to retire
With the adoption of the Federal Law "On insurance pensions" entered our lives new order receiving money for old age. Now the number of banknotes you receive upon reaching a certain age will depend not so much on the years worked, but on such a thing as retirement points. What it is?
The entire experience gained by a person by the time X hour arrives is converted into points. Their totality is called the individual pension coefficient, abbreviated IPC. Thus, the pension is calculated as follows:
P \u003d F + N + B * Sb
- P - pension;
- Ф - a fixed amount annually established by the state;
- H - funded part pensions for those who have it formed;
- B is the number of pension points;
- Sat - the cost of 1 pension point in the current year.
Reforms are regularly carried out in solving pension issues. In the recent past, the pension was a stable value. It was calculated depending on income, age, length of service.
A new calculation system was proposed by the Russian government in 2015. The new calculation standards are reflected in the Federal Law No. 424, 427. Accruals to a greater extent began to be determined by the individual pension coefficient.
To get to know the topic in more detail, you will need the meaning of the following abbreviations:
Usage Basics
The pension consists of the basic state payment(fixed amount) and IPC payments.
Sometimes it is called retirement points that a person was able to accumulate during the working period.
The coefficient is calculated for each year worked out, taking into account the amounts of contributions to the Pension Fund. Points are reflected on the personal account of the person participating in the payment. The size of the pension directly depends on them.
Apply them citizens have the right, if they:
- Have a minimum set number of years of work experience for the current period.
- They make deductions from the salary to the official pension fund.
The funds accumulated converted into points by automatic system.
Determined annually twice (in February and April) by the Government of the country. It is affected by the average annual price growth. In 2018 the price of a point was 78.58 rubles.
Additionally, from 1.8 points to 5.4 is assigned for the so-called "non-work periods" per:
- caring for a baby up to 1.5 years;
- term of military service;
- the period of caring for the disabled (including children), pensioners after 80 years;
- length of stay with a military spouse in places where there is no possibility of obtaining a job (up to 5 years);
- terms of accompanying a spouse abroad in diplomatic and other missions.
Calculation rules
The IPC is dependent on the amount of money deposited in the FIU. It significantly affects insurance component pension benefit. After all, its size is calculated by multiplying the coefficient by the value of the point in the current year.
For indicators for 2018 maximum IPC- 8.26, in the absence of a funded part, and 5.16 with the presence of one. If the lower limit is not reached, the allowance is paid in the amounts established by the state (only the basic pension).
For the amount of IPC accrual affect:
- the presence of an official salary;
- the amount of earnings;
- official work history.
Order of Evaluation
The size (value) of the IPC is the sum of the calculations for two periods.
The first period - until 2015, the second - after it. Points for these two periods are calculated differently (No. 400-FZ).
The coefficient on contributions to the PF is calculated as follows:
IPC \u003d SV / NSV × 10.
According to the proposed formula, everyone will be able to independently determine the number of accumulated points and compensation. To get the size of the insurance pension, you need to sum up these two values (1 and 2), multiply by the SIC and round up to thousandths.
Limit value of IPC will undergo a gradual increase until 2021 to a maximum of 10 points. When calculating the annual coefficient, you need to know that some people deduct 10% for the insurance share, and 6% for the funded share. For others, all 16% go to the insurance share.
You can also calculate the points due to each using the PFR website. An automated calculation formula has been created, which is easy to apply. To do this, enter the average monthly salary in the appropriate field.
It is also possible to use the pension calculator. In the calculator table, you need to enter the salary, number of children, choice of pension payment option and length of service. But it is worth remembering that the indicators will approximate values. And the exact ones, taking into account all the nuances, can only be calculated by specialists.
Limit values
Like any coefficient, IPC is characterized by its own limits (maximum, minimum). For citizens who have used it and for those who have refused it, the limit values \u200b\u200bwill be different.
AT initial stage program implementation limits given coefficient were equal to 4.62 and 7.39. In the future, these values are planned to be increased until 2021. Without deduction of accumulations, the IPC will reach 10 points, with deduction - 6.25.
Minimum a certain amount of a citizen must have points for the appointment of a pension benefit. Otherwise, only . fixed size which in 2018 is 4982.90 rubles. Points earned in excess of the maximum designated limit are not subject to accounting.
Those who have not worked the required number of years and, accordingly, have not gained necessary minimum points.
What current and new retirees should expect in 2018
Government Russian Federation very concerned low level people's lives old age, therefore, is constantly looking for ways to improve their level of well-being. That is why individuals who have already stopped working, or are just planning to take a well-deserved rest, should know how many points they need to have in order to receive monthly payments from the state:
- In the event that a citizen applied for a pension in 2017, then he must have 11.4 pension points and at least 8 years of insurance experience. In 2018, individual must be at least 13.8 points. For the current year, a citizen is able to earn a maximum of 8.70 points. This indicator is influenced by the length of service, the number of contributions transferred.
- The government plans to gradually increase these indicators, until the upper levels are reached: 15 years of insurance experience and 30 pension points (for 2025). Index maximum number pension points by 2021 will be increased to 10, with insurance experience 6,25.
- The cost of the 1st pension point is equal to 78.58 rubles. Indexation planned for 2018 this indicator, but the coefficient that will be applied in this case has not yet been established. The Government plans to index the pension payments of citizens by at least 4.00% over the next three years. But, this value is not final, since various factors directly influence its formation.
See the following video about the changed rules for calculating pension payments: