Will they cancel the payment of pensions to working pensioners? Annual recalculation of the pension. Pension calculation for a working pensioner

Or on other grounds.

The number of pensioners in Russia is increasing every year. Already as for 2019 they make up almost 30% of the total population of the country, i.e. more than 43 million people... Gaps in the pension system lead to the existence of problems that prevent pensioners from providing a decent old age.

To overcome a possible crisis of pension payments, reforms are being carried out and new pension programs... The latest reform has not spared pensioners, who continue to work in retirement.

Is it profitable to work on retirement?

Depending on the life situation, a person, having reached, has the right to choose - to issue him a pension and go on a well-deserved rest or continue working and postpone its appointment, or continue to work after retirement.

Some citizens, after retirement registration, continue their career for various reasons. This has its own advantages and disadvantages.

• By working, a pensioner increases his own. Provided that insurance premiums are paid for him, this will be taken into account in the annual pension recalculation and will affect the increase in his retirement benefit.
• However, since 2016 the pensions of the employed not indexed... The payments of the indexed portion are suspended until the pensioner stops working. Although, after the pensioner resigns, his pension will be recalculated taking into account all indexations that he missed and did not receive while he worked.

How is work experience taken into account?

The work record (of the able-bodied population and pensioners) is carried out using personalized accounting pension rights of citizens. It is maintained by the FIU for all persons registered in the system (OPS) and having (SNILS).

Based on the data received from employers, information is formed on the personal account:

1. about places and conditions of work;
2. about the periods of work and other activities included in the insurance experience;
3. about the listed insurance premiums;
4. about the duration of the insurance period;
5. about the number of retirement points.

All the information provided above is used by the bodies of the Pension Fund for making (assignment of payment when the right to it arises) and recalculation.

In addition to work, the insurance period includes other periods the worker's life, such as parental leave until he reaches the age of 1.5 years, periods, conscription military service.

They are taken into account if before them and (or) they were followed by periods of work and other activities of the citizen.

Calculation of the amount of insurance pension

For the amount of a citizen's pension savings is divided by the number of months expected payment period pension, the duration of which is determined annually by law (in 2019, 252 months).

The amount of the pension additionally depends on the time of applying for its appointment. Later registration of retirement benefits after the onset of retirement age increases the amount of payments.

Pension recalculation formula

Annually August 1 the recalculation of pensions is carried out - insurance and funded (if it is formed). According to the new rules, pensioners who continue to work do not need to apply to the pension fund in order for them to do a recount, now this is done automaticallybased on employers' reports.

In this case, the funds received to the individual personal account of a citizen during the previous year are taken into account, if they were not taken into account when assigning a pension or in the previous recalculation:

• insurance contributions paid by the employer or by the pensioner himself, if he is an individual entrepreneur, notary, lawyer, etc .;
• investment results of pension savings;
• additional contributions for the formation of a funded pension and their investment results.

Recalculation of insurance pensions

The increase in the size of the insurance pension occurs due to the number of pension points earned from insurance contributions made in the previous year, if they were not taken into account in pension accruals and recalculations earlier (article 18 of the law "On insurance pensions").

To calculate the amount of pension payments, taking into account its increase, the formula is used:

SP \u003d SP st + IPK x SIPK,

• Joint venture - pension payment taking into account recalculation;
• SP st - pension before recalculation as of July 31 of the current year;
• IPK - the number of points earned on January 1 of the current year;
• SIPK - the value of the point as of the day from which the recalculation is made (in 2019, RUB 87.24).

Maximum amount individual points, which are taken into account in the annual pension recalculation, is legally limited.

Depending on the formation of a funded pension at the expense of insurance contributions, the maximum number of PKI is equal to:

• 3,0 - for persons who did not form a funded pension in the corresponding year.
• 1,875 - for persons for whom insurance premiums were sent to.

The amount of the pensioner's allowance is also increased if the citizen, when he has the right to assign a pension, postponed the deadline for its registration. Law introduced raising coefficientsaffecting the size of the pension, depending on the period of applying for it:

1. Coefficient of increase to insurance pension.
   

   	Old age	Early
   1	1,07	1,046
   2	1,15	1,1
   3	1,24	1,16
   4	1,34	1,22
   5	1,45	1,29
   6	1,59	1,37
   7	1,74	1,45
   8	1,9	1,52
   9	2,09	1,6
   10	2,32	1,68

2. The ratio of the increase to the fixed payment.
   

   Full years of grace period	Old age	Early
   1	1,056	1,036
   2	1,12	1,07
   3	1,19	1,12
   4	1,27	1,16
   5	1,36	1,21
   6	1,46	1,26
   7	1,58	1,32
   8	1,73	1,38
   9	1,9	1,45
   10	2,11	1,53

Adjustment of funded pension

The pension savings of the insured person are subject to annual adjustments due to:

• the amount of the employer's insurance transfers;
• additional contributions made to the funded pension;
• results of investment of pension savings.

For 2019 by the Government extended moratorium on the formation of a funded pension at the expense of insurance premiums.

During the moratorium, a citizen can continue to form pension savings, but only through voluntary transfers.

The calculation of the funded pension adjustment includes funds that were not taken into account when assigning a pension or in the previous recalculation. The calculation is carried out according to the formula:

NP \u003d PN to / T,

• NP - the amount of the cumulative payment adjustment;
• Mon to - the amount of the citizen's pension savings as of July 1 of the current year. If a citizen is being adjusted to the fixed-term pension payment established for him, then the accumulated funds taken into account in adjusting this payment are not taken into account in the savings, due to which the amount of his funded pension is adjusted;
• T - the number of months of the expected period of pension payment, which is used to calculate the amount of the funded pension, as of July 31 of the current year.

The amount of the funded pension can also be changed based on the results of investing the funds of the payment reserve.

Cancellation of indexation of pensions for working pensioners

The pension system for citizens provides for pension payments due to an increase in inflation. This leads to additional financial costs for the state. Due to the difficult financial situation in our country, the Government is forced to take measures aimed at saving budget funds. In particular, a decision was made to cut government spending on the provision of working pensioners.

So, from January 1, 2016 after the entry into force of the law of December 29, 2015 No. 385-FZ, the annual indexation of pensions of working pensioners was canceled.

It is believed that retirees who continue to work after retirement receive wages or other income, which is additional financial support for them, which (unlike workers) do not have.

The adopted restrictions on the indexation of pensions do not apply on, including regardless of whether the pensioner is working or not.

Will the pension be indexed in 2019?

Starting in 2016, in order to reduce budget expenditures, the annual indexation of their payments was canceled for working recipients of pensions. Despite this, in January 2017, they were entitled to a lump sum payment of 5 thousand rubles as compensation for the canceled indexation.

However, the government's plans for 2019 regarding the pensions of working Russians have not changed - their insurance pensions will not increase... This limitation is provided for in the PFR budget and it will last until 2021.

After the termination of employment, the pensioner again acquires the right to indexation of his pension payments and after dismissal he will receive a pension. taking into account all indexations, which were carried out during the period of his work and which he did not receive. The pension recalculated taking into account all missed increases will be paid to the citizen in the month, next month, in which the pension fund received information confirming the fact of his dismissal.

Pension after dismissal from work

Despite the restrictions introduced, working pensioners were promised to compensate for all missed indexation after dismissal (clause 3 of article 26.1 of the law "On insurance pensions"). At the same time, until 2018, the recalculation was carried out within 2-3 months, respectively, the full amount of the pension was received by citizens only after this period, and without any compensation during this time they were not provided.

From 2018, all pensioners who quit working will have their pensions indexed from the 1st month after dismissal, however, pensioners will be able to receive the full amount as before - only 3 months after dismissal, but they will be compensated in full.

Pensioner not necessary (but he has the right) to declare to the pension authority about his dismissal in order to receive an increased pension. Changes to pension benefits adjusted for inflation will be based on data supplied by employers.

• Now, according to the new rules, employers are obliged to submit monthly information to the pension fund containing information on pensioners of workers and those who quit.
• On the basis of these data, the pension fund will be able to timely calculate pension payments, taking into account indexations in the event of a pensioner's dismissal.

After receiving the indexed pension, the pensioner can again get a job, while the amount of his already increased pension payment will not decrease.

Pension abolition law

In order to save the budget by reducing the cost of pensions, the Government discussed the issue of limiting the payment of pensions to those citizens who, receiving a pension benefit, continue their labor activity. Earlier, in Soviet times, pensioners had such a restriction, but thus the state pursued a different goal.

In 2015, a bill was issued that would abolish the pension payment to working pensioners, although not to everyone, but only to those who have a high annual income, namely, whose income is over 1 million rubles per year.

The consequences of the adoption of this bill could negatively reflectboth on the pensioners themselves and on the state economy.

• The ban on pension payments can provoke a withdrawal from official salaries for pensioners, and, accordingly, the flow of insurance contributions and taxes to the budget will be reduced.
• Professional workers in industries important to the state will leave their jobs in order to preserve their pensions.
• In addition, such a decision contradicts the legislative right to pension provision of citizens.

So this bill not accepted... It was decided to keep payments to pensioners, and to achieve a reduction in pension costs for working pensioners by canceling the indexation of their pensions.

Social support measures for pensioners

For citizens receiving or for other reasons, certain support measures have been developed in the form of benefits, compensation and other opportunities. Certain benefits also apply to retired workers.

There are several advantages in labor relations for working retirees compared to other workers:

• A pensioner can voluntarily quit his job by stating this any day... This category of workers is exempt from the obligation to notify the employer about their dismissal 2 weeks in advance.
• You can only terminate an employment relationship with a working pensioner on a universal basis.
• Upon written application, a pensioner can take vacation without saving payment (the number of calendar days in a year: pensioners by age - 14; WWII veterans - 35; working disabled people - 60).

A pensioner can use the service of the employment service to improve his qualifications or get a new one in another field of activity.

Employees receiving a pension, as well as, have tax incentives:

• exemption from personal income tax of pensions, material assistance issued by the employer, compensation for the purchase of prescription drugs, insurance payments under voluntary pension insurance contracts;
• tax deduction to compensate for the cost of vouchers to sanatoriums and dispensaries, the amounts transferred by the employer for the purchase of technical devices and means of rehabilitation for working disabled people;
• tax deduction for the amounts spent on the purchase of housing, land for the construction of a residential building, construction of housing or the amount received upon their sale;
• property tax exemption;
• regional transport and land tax incentives.

Medical Benefits provide for pensioners to undergo free medical examination (once every three years), as well as free vaccination against influenza for persons over 60 years old.

Social benefits set for pensioners regionally. This can be free travel on public transport or benefits and compensations for utility bills, etc.

Working pensioners, residents of the Far North and equivalent territories (as opposed to unemployed) have no right to compensation for the cost of tickets to the place of rest and back.

Working military pensioners have additional benefits:

• exemption from transport and land taxes;
• placement out of turn for work in a civilian profession;
• extraordinary receipt of places for children and grandchildren in kindergartens, schools, etc.

Conclusion

The government is considering various options for reducing pension costs for working pensioners. But nevertheless, some positive aspects in the provision of pensions to this category of citizens remain:

• a working pensioner has the right to receive both pensions and additional income;
• retired work increases the amount of retirement benefit... Due to the deduction of insurance contributions, the pension coefficient used in the recalculation of pensions is increased;
• a postponement of registration of a pension for a year or more makes it possible to obtain an increased amount of it due to the envisaged increasing coefficients;
• working pensioner pension not indexed, however, after his dismissal, his allowance will be indexed in full for the entire period for which he did not receive indexation;
• many benefits and compensations provided for non-working pensioners also apply to working recipients of pension benefits.

In 2018, the indexation of pensions has already been carried out twice. But not a single indexing has affected working pensioners. Therefore, there was a proposal to return indexation to those persons who simultaneously receive a pension and work.

Putin entrusted officials with creating a legislative draft that would allow the return of the indexation of pensions to working pensioners. The RF government has already prepared it, and it will be considered shortly. In addition, it is also planned to recalculate the pension provision for working pensioners for a long period - a couple of years. It is not yet clear how realistic this procedure is, but the authorities promised to consider the proposal.

Recall that now a working pensioner has the right to all accruals, only if he stops working. After dismissal, an automatic recount is carried out, and the employer is responsible for submitting the necessary documentation.

Cancellation of indexing

At the moment, there are more than 14 million citizens in the Russian Federation who, after retirement, still work. Therefore, the issue of increasing the pension provision remains relevant.

The indexation of pensions for persons who continue to work was canceled in 2016. This measure was necessary in order to save money from the Pension Fund. According to the latest information, this limitation will remain in effect until 2020. But it cannot be ruled out that on July 1, 2018, working pensioners will receive the right to indexation.

The lack of indexation for working pensioners did not lead to the result that the state expected. Many retirees quit. But officials believe that they continue to work, but they do not officially do so.

Indexing is now possible only after dismissal. If a person, after indexation due to dismissal, gets a job again, then they will not recalculate the pension provision downward.

The President promised to think about the return of indexing

The President of the Russian Federation said that the return of indexation must be considered. In his opinion, many pensioners work in low-paid jobs, and their earnings are not high. And if we take into account the situation on the labor market, then indexation appears to be a measure to improve the quality of life of pensioners.

Answering the question regarding the pension reform - raising the retirement age, Putin said that he was "very careful and careful about this." But one of the key goals of the Government of the Russian Federation is to increase the pension provision. During the direct line, the President promised to consider the issue.

“In the Soviet Union, working pensioners were not paid. But we must take into account the current realities, when pensioners work in kindergartens, hospitals, and there wages are not high, ”Putin said.

What does Medvedev say about the return of indexing?

Only economic reasons forced the state to abandon the indexing procedure in favor of pensioners who work. But this does not mean that the issue will not be revised in the near future, D. Medvedev said.

It should also be borne in mind that working and non-working pensioners have different incomes, but the issue is definitely not closed. Medvedev recalled that in the last century until the mid-70s. it was impossible to receive pension and wages at the same time. After retirement, they began to pay those who received small wages.

“Modern Russia has taken a completely different path, and for a long time working and non-working pensioners had equal conditions and benefits that were not subject to wages,” Medvedev explained.

At the moment, the return of the indexation of pension payments for working pensioners is on the agenda. But indexing is not included in the pension reform, since the issue requires careful study, the Government of the Russian Federation said.

Which is better, indexing or recalculation?

Let us remind you that indexation is possible in cases when the pensioner does not work. Last year it was 5.8%, and this year only 3.7%. Recalculation means the amount of new payments, taking into account the payment of insurance premiums. And this manipulation concerns precisely the working pensioners. Recalculation is carried out on the first of August on a regular basis.

The maximum allowance to the pension that a pensioner can count on is 244 rubles 47 kopecks. According to information from the Pension Fund, due to indexation, the average size of pension payments was 14,150 rubles. And the total amount of the increase is 400 rubles.

Thus, a pensioner can count on indexing only if he stops working. In 2018, such people are eligible for indexing. It is carried out automatically; you do not need to submit an application to the FIU. If you get a job again, nothing will change - your pension will not decrease.

If in general, it is not yet clear whether there will be indexation for working citizens in retirement, or they can only count on recalculation. Therefore, he will expect news from the Government of the Russian Federation.

Problems of working pensioners

With the change in the legislation in the pension sector, many are interested in the question of what will happen to the pension in 2019 for working pensioners. And there is definitely a reason for concern, because the media have repeatedly published articles on the complete abolition of the payment of benefits to those who continue to work after the onset of retirement age.

Indexing order

The pension, of course, will not be canceled, but the procedure for indexing payments will change. If for ordinary pensioners who receive insurance or social benefits for old age, there is an increase in cash payments due to inflation, then those who continue to work do not count on this. This is not new in 2019, because back in 2017, the Government of the Russian Federation canceled indexation for working pensioners, arguing that this category of citizens practically does not feel inflation, compensating for the lack of income through salaries.

The pensioners themselves do not see anything good in such changes, because many of them continue to work not so much out of enthusiasm, but because of the lack of money and the inability to live with dignity. And there are almost 14 million such people in the country. The authorities promise that as soon as a person finishes working, all the lost funds will be returned to him.

The working pensioner remains with a fixed IPC score and an allowance, which was established at the time of retirement or on January 1, 2016. With this approach, the Government expects to increase the growth rate of household income. After all, even without receiving inflationary premiums (on average, it is 3-4% annually), a working pensioner has a much higher income due to the increase in salaries (about 9% per year).

What will happen to the pensions of working pensioners in 2019

Pensions of citizens who continue to work will be increased in 2019 only as a result of recalculation, which is automatically produced by the FIU from August 1. As a result of such a recalculation, an increase in pension will be assigned, which is determined based on from insurance premiums paid for the past year.

Let us note a number of features that affect the size of the increase in August 2019:

1. Insurance premiums paid for the past year of work are taken into account, i.e. in 2019, the formed pension points (IPC) will be taken into account due to insurance premiums paid in 2018.
2. The number of points taken into account when recalculating limited to three PKI, i.e. all accumulated points exceeding this value will only be taken into account in the next year (i.e. in 2020).
3. Due to the "freeze" of indexation for working citizens, the cost of one PKI for them is fixed at the level that was established on the person's retirement date.

Based on this, in 2018 the pension for working pensioners will be increased only from 01.08., and the maximum amount of the increase will be limited to the value of the three retirement points - i.e. no more than 244.47 rubles. The earlier a citizen formalized pension payments, the lower the cost of one PKI for him, which means that the increase will be less than 244.47 rubles. No more changes in pension coverage for working Russians in 2019. not expected.

The government plans to index pensions for non-working pensioners from 2019 at a rate exceeding the inflation rate, which will make it possible to increase their size annually on average 1000 rubles... Thanks to this, by 2024, the national average level of pensions for non-working pensioners is planned to be increased. from 14 to 20 thousand rubles.

Since there is a moratorium on indexation for working pensioners, such a significant increase in pensions will not affect them. As noted above, the Cabinet of Ministers believes that increasing the income of working citizens can be fully implemented growth in real wages, so there is no need for them to additionally index payments.

Why cancel indexing

The authorities are trying to solve two problems with such a measure:

• Saving money, which, together with the reform starting in 2019, will give additional money to increase the allowance for non-working pensioners. In 2019, it will be 1,000 rubles.
• The release of jobs, which will give an opportunity to find a job for young specialists.

Experts say that the abolition of indexation will not lead to anything other than the unofficial employment of pensioners. It will be much more profitable for them to receive an insurance indexed benefit and a salary in an envelope. This, in turn, will negatively affect the country's budget.

Cancellation of pensions for working pensioners

Question about the cancellation of pensions for working pensioners has already risen several times, and in connection with the start of the pension reform proposed by the Government in 2019, it began to be discussed even more actively. However, at a meeting of the Council for the Development of Civil Society and Human Rights under the President of the Russian Federation, which took place on July 11, 2018, Deputy Minister of Labor and Social Protection Andrei Pudov said that payments to working pensioners do not intend to cancel. "No, such a plot is not considered"- said A. Pudov.

On August 11, 2018, the Chairman of the State Duma Viacheslav Volodin, at a meeting with residents of the Zavodskoy District of Saratov, stated that pension system budget deficit, which generally casts doubt on the issue of further payment of state pensions. But the speaker of the State Duma said this, justifying the need to adopt a law on raising the retirement age, which will solve the problem of the budget deficit, and, consequently, the issue of further payments to pensioners. Therefore, V. Volodin's statement cannot be interpreted as a decision to cancel pensions - this is only an indication of the existing problems of the FIU budget.
In Russia, the right to receive a pension in cases provided for by law is enshrined in Art. 39 of the Constitution. Therefore, the conditions of retirement can only be adjusted (for example, the retirement age), but you cannot completely cancel pension payments - this is contrary to the highest regulatory legal act of the country.
It should be noted that the issue of canceling pension payments to working citizens was raised in the Government much earlier. In 2016, the Ministry of Finance has already proposed to limit the right to receive a pension to certain categories of working pensioners:

• Completely abolish the pension of those citizens who have annual income more than 500 thousand rubles. (later it was also reported about an increase in this level to 1 million rubles.).
• Not to pay a fixed payment to the insurance pension (in 2016 it was 4559 rubles), if the pensioner's income exceeds 2.5 living wages.

Later, Olga Golodets (who at that time held the post of Deputy Prime Minister for Social Affairs in the Government) reported that such a bill had actually existed for several years, but its no discussion.

Changes for military retirees

For former military personnel, work after retirement is not only additional financial support, but also an opportunity to realize themselves as a person. The military goes on a well-deserved rest very early, at about 40-45 years old. After that, a person can also earn an insurance benefit for himself on common rights with other citizens of the country.

The increase in military pensions in 2019 is planned only for the inflation index. Since 2017, the reduction coefficient has not been raised, due to which, according to the law, the retirement benefit should be increased annually. The second work for this category does not cancel the conditions for indexation of payments.

With the start of the reform and an increase in the age threshold for retirement, the number of working pensioners will decrease by itself. Perhaps this is exactly what the Government is counting on without returning the indexation.

Will pensions be canceled for working pensioners: video

Pension reform will change the lives of all citizens, without exception. And it is possible that some changes will be made to working pensioners right now. Deputies, public committees and organizations make various forecasts regarding the development of the pension system in the Russian Federation.

Bad prognosis

One of the central channels actively discussed the issue of recent days - the pension system in the country. So, the representative of the Public Chamber shared his vision of the course of the pension reform.

“Now pensions are small, everyone understands that. They do not provide a decent standard of living financially. That is why about a third of all pensioners in the country are still working. But in reality, their share is higher, since many are organized unofficially, and are in no hurry to notify the FIU about it.

A working pensioner does not have the right to indexation of pensions, additional benefits, etc., so it is quite expected that the authorities will propose to completely leave working people without state support. "

And this is not the only statement. So, the speaker of the State Duma Volodin, at a meeting with residents of Samara, also questioned the safety of pensions on the territory of the Russian Federation.

Will pensions be canceled?

Of course, in the light of the statements of officials who themselves doubt the preservation of pensions in the Russian Federation, working citizens are primarily concerned. And that's okay. Let the state pay a little every month, but at least something.

As mentioned above, the announcement about the abolition of the pension benefit was made on one of the central TV channels. The deputy advocated an increase in the age range for retirement, and gave arguments to justify his position.

“In order for the Russian budget to grow steadily, it is necessary to raise the age, in accordance with the strategy developed by the Government. And in general, we must strive to ensure that people independently save up for their old age, not relying on the state. This is especially true for working pensioners. After all, they receive a monthly salary, do what they love, but at the same time they also receive a pension. "

The deputy tried to justify himself, since he actively defends the innovation. But he did not succeed. From his words, it turns out that a person must work until his death, pay taxes to the state, etc., but at the same time independently save for old age.

After such a statement, the host asked the question: "Is your proposal to abolish pensions for all citizens?" To which he received the answer: “Yes. I think this is correct. However, you need to first develop a strategy that will abolish pension payments. And it is necessary to start with working pensioners ”.

It was this dialogue that caused a storm of emotions among working pensioners. After the broadcast, the topic was discussed at every corner. And many "experts" on the Internet made disappointing predictions, seeking to sow more panic.

Opinion of the Presidential Administration

The discussion reached the Presidential Administration. And Dmitry Peskov, who is the press secretary, gave his comments.

“The population is worried, this is understandable, and we are monitoring everything. But they have not yet held a referendum on the pension system. Therefore, the statements made by the State Duma deputy are not based on any grounds. That is, the Government's plans do not include the abolition of pensions for citizens who are still working even on a well-deserved rest. "

Alternative opinion of the blogosphere

This material is a selection of relevant materials and opinions from the Internet on this issue and is not the opinion of the editorial board.

Russian pensioners do not receive a high level of pension coverage, so many strive to work as long as possible. The established retirement age in the country allows many citizens for health reasons to continue working for the next 5-10 years. Thus, they have the opportunity to simultaneously make certain savings for the insurance part when forming a pension and at the same time receive a salary, and with it a pension.

According to the latest pension reform, citizens in the country have the opportunity to receive only one of 3 possible types of pensions:

• state;
• insurance;
• social.

Each of them is assigned when a person has certain circumstances. For citizens who worked in the civil service and received wages from the federal or local budget, state pension provision is required.

All working citizens who have the necessary experience, as well as a certain number of deductions, can count on the compulsory receipt of insurance coverage.

All disabled strata of the population who cannot count on insurance coverage for certain reasons can only receive social benefits.

Any pension provision, together with all the additional payments available to him, which are carried out to a citizen, cannot be less than the established amount necessary for living in his area. If the pension provision is set below this amount, then he has the right to receive social benefits.

Insurance coverage is formed by the following indicators:

• accumulated points, which are calculated on the basis of the deductions made from each salary;
• the individual coefficient, which is influenced by a person's work experience, as well as the continuation of his work activity after the official retirement age.

Accordingly, every citizen strives to increase his future pension as much as possible. To do this, he must increase his seniority and deductions made. How legal is it to deprive a person who is already entitled to this pension payment of the right to it while he is working? Why should a person give up his / her pension rights due to the fact that he wants to officially earn more. Unfortunately, many citizens are now concerned about the discussions taking place in the Duma and the Government.

Cancellation of pensions

Currently, there are several main versions that are put forward by the Ministry of Finance and the Government. These include:

1. Cancellation of only the insurance part for the period of employment of the pensioner. Accordingly, at this time he will receive the established baseline, and the rest of his income will come from his salary. After full retirement, the security will be recalculated, and he will be able to fully receive his pension.
2. Cancellation of indexation of payments. Already since 2016, there has been no increase in pension for this category of pensioners. Although the inflation rate for these 2 years averaged about 6% annually. The legislation is obliged to annually increase the size of all pension payments by the set inflation rate. However, for working citizens who have reached a certain age, such an increase was canceled. It is planned to introduce this measure on a permanent basis.
3. It is also under development to deprive the insurance part of the payments of only those pensioners who earn more than 83 thousand per month or more than 1 million per year. This measure will help to abolish part of payments to citizens with an income above the national average.

However, at present, nothing has been introduced, except that the indexation of payments has been suspended since 2016. Therefore, you should not worry ahead of time. All projects that are currently being discussed are still in a very crude state and require many improvements. Accordingly, it is not worth expecting the adoption of the bill on the abolition of pension payments in the near future.

Pension increase

But working pensioners will be able to count on an increase in pension payments for them in August 2019. This increase will be due to the annual recalculation of points. Only those citizens who worked throughout 2017 will be eligible for it.

Many citizens want to know how pension payments are recalculated in this case. The maximum amount of a possible increase is limited to 3 points. And the cost of 1 point for 2017 was set at 72.27 rubles. Accordingly, the maximum possible increase can be 216, 81 rubles. If the salary was higher, then no more than 3 points will still be taken into account.

The addition of each point depends on the deductions made. To receive 3 points, you must have deductions from wages of at least 24 thousand rubles per month.

In addition, the minimum wage will be increased, it will amount to 11,163 rubles, which is equivalent to the subsistence minimum established for the working population. Accordingly, those citizens who receive the minimum wage will receive an increase, and their contributions to the Pension Fund for the current year will be increased.

Payment of 5000 rubles

Many retirees expected to receive a lump sum payment in 2019, as they did last year. Then in 2017, absolutely everyone who was a pensioner at the time of payments received it. This payment was made to compensate for the increase in pension. That is, the state did not increase the pension provision by the calculated inflation rate, but simply compensated citizens with a fixed amount of 5,000 rubles.

Such a payment turned out to be beneficial only for those who had minimal pension contributions. For the rest, the actual increase in payments for the inflation rate would have amounted to a greater amount than was paid.

Despite this fact, in 2019, many retirees expect this payment, since receiving a large sum at one time is always good government support. However, the legislation made a decision to increase the insurance part only to non-working persons by 3.7 percent. This increase will not affect only working pensioners.

Opposite side of cancellation

In the Russian Federation, people should not receive income or security below the subsistence minimum amount, and accordingly, if the pension is lower, then the person will claim to receive an additional payment from the state. Many retirees are forced to keep working in order to compensate for their low pension. And when receiving wages, employers make contributions for them, which makes it possible for the PFR to receive additional funds from this pensioner.

The very abolition of pension payments will put citizens before a choice whether to receive pension benefits and, if possible, work unofficially, or receive wages and refuse to receive the pension they are entitled to. As the practice of many states shows, people do not want to give up the payments they are entitled to, especially if they no longer need to work for them. Accordingly, the abolition of pension payments will lead to widespread dismissal of people of retirement age. And this, in turn, will affect the flow of funds as contributions made by employers in the Pension Fund of the Russian Federation. Thus, the PFR will lose additional income, and the obligation to provide pensions will remain the same.

Supporting the working capacity of the population is one of the main priority tasks for the formation of the PFR budget. The more able-bodied population, the more they will make contributions. Accordingly, the state will have more opportunities to provide disabled citizens with the necessary funds.