The amount and rules for receiving a fixed payment to the insurance pension. old age insurance

The pension system of the Russian Federation has undergone many changes in recent years. The year 2015 brought with it new mechanisms for calculating insurance payments, and with them new concepts, including “a fixed payment to an insurance pension”. What is this payment, how much is it, and who is entitled to claim it? More on this later.

Why is it necessary

A fixed payment is a part of the pension provision, established at the legislative level. The fixed payment is a kind of analogue of the fixed base amount that existed before the 2015 reform. The essence of the concepts, as well as the procedure for assigning payments, is almost identical.

All recipients of insurance pension provision apply for this payment:

1. pensioners by age.
2. Citizens retired due to disability.
3. Citizens who have lost their breadwinner.

The amount of the payment depends on the category of the recipient, as well as on the type of the assigned pension. The amount of previously paid insurance contributions does not affect the size of the fixed part of the pension.

Important! The size of the fixed part of the pension is set by the state for each category of pensioners, but the amount of payments changes under the influence of inflation. Every year this part of the pension is indexed.

The legislative framework

Issues related to the fixed part of pension payments are subject to a number of Federal legislative acts.

In particular, the procedure for assigning payments is described in Article 16 of the Federal Law “On Insurance Pension Provision”, and Article 6 of the Federal Law “On the Funded Part of the Pension” serves as an addition to these issues.

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Pay recipients

In itself, the formation of such a payment is carried out when assigning pensions. This issue is clearly regulated by Article 16 of Federal Law No. 400. For this reason, we can say with confidence that it is a kind of guarantee for the citizens of our country in receiving the minimum pension.

To date, this payment can be assigned to the following categories of citizens:

• all citizens who have already reached retirement age (for women it is 55 years old, for men - 60); persons who have worked in the Far North for at least 15 years, and if they have a total experience of 25 years for men and 20 for women;
• persons who have worked for at least 15 years in areas with difficult climatic conditions, while the total experience for the male category of the population must be at least 25 years, while for women - 20;
• , regardless of what group they have;
• citizens who have the status of an orphan;
• persons who receive

All of the above citizens are entitled to expect to receive this basic increase.

The amount of the fixed payment to the insurance pension in 2018

According to article 16 of the law of December 28, 2013 N 400-FZ, a fixed payment (PV) is established along with the appointment of a pension in a certain amount. We can say that it is the minimum guarantee of pensions for citizens.

After a year, its base amount is 4805.11 rubles. and depending on the category of pensioners, the type of pension assigned and the presence of dependents, it can increase or decrease.

Recipient categories	PV amount
Payment for old age pension
pensioners by age	4805,11
Persons who have worked in areas with difficult conditions for at least 15 years with a total length of service of at least 20 and 25 years (for women and men, respectively)	7207,67
Pensioners who have worked in areas equivalent to the Far North in terms of the level of complexity of living	9610,22
Disability benefit payment
1 group	9610,22
2 group	4805,11
3 group	2402,56
Survivor's pension payment
For those who have lost both parents	4805,11
For those who have lost one parent	2402,56

Increase (indexation) of the fixed part of the pension

Since 2015, pension increases have been made through the indexation of the cost of a point and a fixed payment.

In accordance with article 16 of the law of December 28, 2013 No. 400-FZ "On insurance pensions":

1. The size of the fixed payment should be indexed annually from February 1 to the level of inflation growth over the past year.
2. Every year from April 1, the Government of the Russian Federation has the right to decide on an additional increase in its size based on the growth in income of the Pension Fund of the Russian Federation.

The last time indexation was carried out by only 4%, which is significantly lower than the inflation of the previous year - 12.9%. In 2017, the Government approved indexation for 2016 inflation, which was set at 5.4%.

In April, with additional indexation, only the value of the pension point was increased, while the fixed payment remained unchanged.

Attention! For citizens who have reached retirement age and receive pensions, but continue to work, no increase is expected.

Enlarged setting

Some categories of recipients of the fixed part are eligible for an increase in the minimum part of payments.

1. (80 and over years);
2. (Far North);
3. disabled people;
4. citizens with dependents.

For disabled people and residents of the Far North (RCS), the payment is increased by 50%, for workers in areas equivalent in complexity to the RCW, the payment is increased by 30%. For pensioners who have reached the age mark of 80, the fixed part is doubled.

In the presence of disabled dependents, the PV increases by 1519.64 rubles. for each disabled (up to 3rd Human ). If there is experience in the CS, the additional payment increases by 1.5 times, and if there is experience in districts equated to the CS, by 1.3 times.

Also living in the regions of the Far North and areas equated to them, the payment is established in an increased amount by the regional coefficient.

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SP st \u003d IPC x SPK + PV,

• SP st- the amount of the old-age insurance pension;
• SPK- the cost of the pension ball at the time of the payment assignment (in 2018 - 81.49 rubles);
• FV- fixed payment (we will discuss it below).

IPK \u003d SV / SV max x 10,

• SW- insurance premiums paid by the employer at the rate chosen by the citizen. This can be 10% or 16% of the annual gross salary, depending on whether a funded pension is formed or not;
• CB max- a set of insurance premiums that the employer pays from the maximum taxable base at a rate of 16%.

It is worth noting that the maximum amount of the contribution base has been increased and now in 2018 is 1021 thousand rubles.

Conversion of labor pensions established before January 1, 2015

The current legislation provides retention of pension rights, which were formed by citizens before January 1, 2015.

In other words, if you have already been assigned an old-age insurance benefit, its amount will be (recalculated based on your individual indicators) according to the new formula.

In this case, the value of the pension point for all periods until January 1, 2015 will be determined based on the amount of the pension (excluding the fixed base amount and insurance share) divided by the value of one pension coefficient, based on its value as of January 1, 2015. Then according to the law the cost of the coefficients increases twice a year (the second time if the state can), based on price increases, respectively, the size of the pension also increases.

It should be noted that if the amount of payments after the conversion turns out to be less than before the recalculation, then based on Part 3 of Article 34 of the Federal Law "About insurance pensions", the pensioner will receive the insurance pension in the same (larger) amount.

Recalculation of the old-age insurance pension

In the event that a citizen receiving an old-age insurance payment continues to work, pension contributions continue to be received by the Pension Fund of the Russian Federation. Accordingly, in such a situation, the pensioner has the right to.

If it is required to recalculate the amount, the citizen must apply for recalculation to the branch of the pension fund. It is worth noting that the preparation and submission of all documents attached to the application, falls on the applicant.

The amount of insurance payments for old age may change for the better under the following conditions:

1. Increase in the value of the pension point for the periods before January 1, 2015.
2. An increase in the amount of pension points received in the periods after January 1, 2015 and before the appointment of a pension, counted as insurance experience (the period of receiving benefits at the labor exchange, maternity leave, military service, etc.), described in detail in Article 12 of the Federal Law "About insurance pensions".
3. An increase in the value of the pension score, based on the amount of contributions to the Pension Fund, not taken into account when assigning an old-age insurance pension.

Recalculation is carried out according to the formula:

SP st \u003d SP stp + (IPK i x SPK),

• SP st- the amount of insurance payment for old age;
• SP stp- the amount of the pension as of July 31 of the year of recalculation;
• IPK i- the value of the pension score as of January 1 of the year of recalculation, based on the amounts of contributions to the Pension Fund that were not taken into account when assigning an old-age insurance pension, switching from another type of pension or recalculating made earlier;
• SPK- the value of the pension point on the day of recalculation.

If the citizen is a working pensioner, the employer may apply for the recalculation of this payment for his employees, but only if there is their written consent.

The share of the old-age insurance pension to the seniority pension

If a citizen is a seniority pensioner, has at least 15 years of service and is eligible for old age, including early retirement, he has the right to assign a share of the old-age insurance pension to the seniority pension.

In this case, the amount of pension points for at least 12 months after is taken into account. We emphasize that in this case these scores are already Cannot be used for pension recalculation.

To calculate the share of the old-age payment to the seniority pension, you need to use the formula described in Article 19 of the Federal Law "About insurance pensions".

SD = (SD s / SPC k + IPC i) x SPC,

• SD- share of old-age insurance pension;
• SD with- the share of the old-age insurance pension determined as of December 31, 2014;
• SPK to- the value of the pension point;
• IPK i- the value of the pension point from the moment of retirement on the length of service and until the assignment of the share of the old-age insurance pension.

Subject to an increase in the amount of pension coefficients, based on insurance premiums that were not taken into account when assigning the share of insurance payment for old age or during the previous recalculation, from August 1 of each year, the insurance share is recalculated.

Payment of an old-age insurance pension

As mentioned above, after 10 working days from the date of submission of the application and all necessary documents (or submission of missing documents), the PFR assigns an old-age insurance pension to a citizen. She will be monthly, and the pensioner has the right on one's own choose how to receive this payment.

Citizens can receive a pension in the following ways (including through a trustee):

• To a bank account. In this case, the pensioner can withdraw funds either directly from the account or using a bank card.
• Via Russian Post. Choosing this option, the pensioner will receive payments at the post office or directly to the house.
• Through a third party dealing with the delivery of pensions. Citizens need to find out the list of such organizations through the territorial body of the pension fund. Otherwise, the procedure and terms of payments are identical to the option with the Russian Post.

Suspension and termination of payment

• in the event of the death of a pensioner or his recognition as missing;
• if a foreign citizen or stateless person does not submit documents confirming a residence permit in the Russian Federation after a 6-month period;
• when a citizen loses the right to an old-age pension - due to the inaccuracy of the data presented in the documents when assigning insurance payments;
• in case of voluntary refusal to receive an insurance pension.

Conclusion

So, from 2015 came into force new conditions for the formation of a labor pension, which apply with some modifications to the current year 2018. Perhaps they are somewhat difficult to understand due to the fact that a different system is used for calculating the amount of pension payments through the conversion of insurance premiums into points.

Let us once again denote the most important points:

• Insurance experience and "white" (official) salary is the key to a large pension.
• It is better to start preparing documents for applying for a pension in advance - this increases the opportunity to receive a pension exactly when you are entitled to it.
• As consumer prices rise, so does the amount of payments.

An old-age or old-age insurance pension is a cash benefit that is paid to citizens every month as a replacement for a salary or other income when a number of conditions are met. This includes the retirement age (the amount of payments for pensioners over 80 is especially increased: details can be found) and length of service. As for the formula for calculating the old-age insurance payment, since 2015 this has been a personal coefficient multiplied by the cost of the IPC, including a fixed payment rate.

What is the basic part and the insurance part of the pension?

The basic part of the pension provision is a small component of compensation. Since the beginning of 2002, its size has been only 450 rubles per month. This amount is intended for all persons who have reached retirement age and have a minimum length of service in the aggregate of five years.

If we are talking about disabled people, pensioners after 80 and people with disabilities, then the current base rates are slightly increased. The basic part is the minimum pension, including additional payments and previous compensations. The main goal is to provide a standard social guarantee. That's where the name comes from.

The insurance part of the pension is a component of the mechanism that provides an opportunity to regulate the attitude towards payment and link the amount to the pensioner, taking into account the length of service and wages. That is, the amount of the insurance part of compensation directly depends on the number of days worked and the amount of contributions paid to the Pension Fund. The final component is considered to be the calculated pension capital. It is formed thanks to the contributions provided by employers.

Indexation of the basic and insurance part of the pension in 2018

From February 1, 2018, pension insurance for non-working pensioners will be increased by 5.4 percent. Inflation is taken as the basis - the increase in prices for consumer goods over the past year.

Decrees number 35 of the end of 2017 were adopted by the Government of the Russian Federation. According to information from Rosstat, the final inflation for 2017 amounted to almost 5.5 percent. Pension provision for non-working pensioners is increased exactly by the specified amount. By indexing the compensation to the prevailing inflation rate, the government retains purchasing power.

It should be noted that since the beginning of 2016, pension indexation has been carried out in accordance with the new rules, according to a fixed payment and through indexation of the individual pension coefficient.

The procedure for calculating the basic pension

The main percentage of Russian residents receive pensions at post offices. This is not a very convenient way. In the age of modern technology, there are many other ways available. For example, you should contact financial institutions. A pensioner can open an account with a banking organization that has a direct agreement with the Pension Fund. A banking organization will automatically be able to transfer funds from an account to an electronic bank card.

To apply for a transfer to an account with a banking organization, you must contact the MFC or PF. Another method to apply is to go to the website of public services, after registering a personal account.

The payment is transferred or issued on certain days once a month. In order for the payment to be received by other persons, it is necessary to issue a power of attorney. The procedure can be carried out at the notary.

Basic pension in 2018

If you do not know what the size of the basic pension is in 2018, then the standard size of the basic part of the payment in 2018 is 4600 rubles. The disability pension is slightly higher.

• Have reached the age of eighty;
• Pensioners who care for disabled people;
• Round orphans;
• People who have worked for at least 15 years in the Far North.

The basic part of the pension in the regions of the Far North

If citizens continue to live in places of the Far North, then an appropriate coefficient is used to calculate the pension provision. If a citizen moved to a normal area, then the coefficient of the previous area is not taken into account.

Increased coefficients are additionally used as the calculation of the insurance part of the pension. As for the country as a whole, the ratio of a pensioner's salary to the national average is taken into account with a coefficient of no more than 1.2. Compared to the northern payment, in which the coefficient can reach up to 1.9.

In other words, the coefficient established by the Government for a specific region and some industries is used for the calculation. The peculiarity of such an increase is that the coefficient is not tied to a specific place of residence. When moving to another area, the insurance part of the payment is fully preserved.

This material is devoted to how the procedure for calculating pensions has changed since 2017 (example).

Old age pension formula

Since 2002, the pension has been converted into pension capital, but since the beginning of 2017 it has been calculated in pension points. Please note that the insurance part of the pension and the funded part are independent. The accumulative old-age pension is calculated according to the previously adopted customary principle. And pension points are applied to the insurance old-age pension.

The formula for calculating pensions from 2017 is as follows:

SPS = PV × PC1 + IPC × SPC × PC2

Where SPS - insurance pension; PV - fixed payment; PC1 - premium coefficient, which is applied when retiring much later than the retirement age; IPC - individual pension coefficient; SPC - the cost of the pension coefficient at the time of the start of registration of the pension; PC2 is a bonus coefficient that is applied when the pensioner continues to work.

To make it clearer the procedure for calculating a pension from 2017, we will consider the calculation of its components - a fixed payment and an individual coefficient.

Fixed (base) part

Its value is established by Art. 16 of the Federal Law "On insurance pensions" in the amount of 3,935 rubles. This is a guaranteed minimum for every pensioner who is indexed twice a year. On February 1, indexation takes place for compliance with consumer prices, and on April 1 - according to the results of the income of the Pension Fund for the year. For certain categories of citizens, an increased rate is provided.

Individual pension coefficient

The new procedure for calculating pensions from 2017 suggests that it is this coefficient that underlies the material well-being of pensioners. Its size is determined when the old-age pension is established. It consists of pension points, which are accrued every year from a white salary, and the total number of annual pension coefficients. But the new legislation provides for other periods for calculating these indicators.

The procedure for calculating pensions

To calculate the annual rate, use the following formula:

GPC = SSP ÷ SSM × 10

Where SSP - the amount of insurance pension contributions for the year; SSM - the amount of insurance premiums from the maximum taxable wage (16%). The number 10 is the maximum points that are awarded to a pensioner in the year when the old-age pension is calculated.

However, these 10 points will be issued only from 2021 and only to those pensioners who form a funded pension. For 2017, the maximum GPC indicator is 7.39. But it will gradually increase.

The procedure for calculating pensions sums up points for the entire period of deduction of insurance premiums and displays an individual coefficient. Accordingly, the higher the salary, the longer the experience, the higher this indicator. Its formula looks like this:

IPK = GPC2015 + GPC2016+…GPK2030

Where GPC is the number of pension points received in the corresponding year.

Calculation of the individual coefficient

Remember that the calculation of the old-age pension is based on the fact that the employer calculates 22% of the employee's salary as a pension insurance contribution. 6% of this amount goes to fixed payments to pensioners, and 16% form an insurance pension directly to the employee. The new procedure for calculating pensions from 2017 suggests that, at his request, 6% can be deducted for a funded pension, and 10% for an insurance pension.

For example, a GIC with a deduction of 16% is calculated as follows:

With a salary of 20 thousand rubles. per month, insurance premiums will amount to 20,000 rubles. × 12 months × 16% = 38,400 rubles. The maximum contribution can be taken from the amount of 733 thousand rubles. The maximum amount of insurance contributions is 117,280 rubles.

GPC = 38,400 ÷ 117,280 × 10 = 3.274

If 10% is deducted for the insurance pension, then the calculation looks like this:

At the same level of salary, 10% goes to insurance, and 6% goes to accumulative. Then the total amount of pension contributions per year for the insurance will be: 20,000 rubles. × 12 months × 10% = 24,000 rubles. Respectively,

GPC = 24,000 ÷ 117,280 × 10 = 2.046

Not surprisingly, many refuse funded pensions.

Additional points

The procedure for calculating pensions from 2017 also takes into account other periods when pension contributions were not paid. In such cases, the GPC is calculated as follows:

Caring for a child up to 1.5 years (but not more than 6 years):

First child – GPC=1.8;
The second child - GPC=3.6;
The third and more - GPC \u003d 5.4.
A disabled child of group I or a person over 80 years old - GPC = 1.8.
Conscription to the army - GPC \u003d 1.8.

How much is a point

The pension point costs 64.1 rubles. The procedure for calculating the pension from 2017 assumes its constant increase annually on February 1 in line with inflation and on April 1 in accordance with the budget of the Pension Fund.

Premium odds

They are paid in the event that, having reached retirement age, the pensioner continues to work without claiming the funds of the Pension Fund. Then, to the insurance pension, he is accrued the coefficient of increase in PV (PC1) and the coefficient of its increase (PC2). In fact, if a person of retirement age works for another ten years, then after their expiration his pension will increase by two and a half times.

Convert to points

Those pensions that were formed before the beginning of 2017 are also converted into points. The transfer is carried out according to the formula:

PC = MF ÷ SPK

Where PC is the amount of pension points as of January 1, 2017; SCH - the insurance part of the pension until December 31, 2016 (without funded and basic); SEC - 64.1 rubles. (the value of the pension point).

This amount will become an individual coefficient or added to the following annual coefficients.

An example of calculating a pension under the new rules

1. In case of reaching retirement years

For example, citizen X reaches retirement age in 2017. After the conversion of points in 2017, their value was 70, and by 2017 she will earn another 5. Citizen X went on vacation twice for 1 year to care for children (1.5 years each). For the first - 1.8 points, for the second - 3.6. Total, 80.4 points. If by 2017 the minimum fixed payment is 5 thousand rubles, the pension point will cost 100 rubles, the penalty for X will be calculated as follows: SPS = PV + IPC × SPC. Insurance: 5,000 rubles. + 80.4 × 100 rubles. = 13,040 rubles.

2. In case of retirement later than retirement age

In 2017, employee P. began his seniority at the age of 17. A year later, he went to the army for two years - plus 3.6 points. He studied on the job until his retirement years and 5 more years after. In just 48 years, he received 403.6 points, taking into account the military. By the time of its registration, the PV pension will amount to 20 thousand rubles. Citizen P. worked in the Far North, so it increases by 30%. Plus bonus coefficients for EF 1.27 and for individual 1.34 points. For 2063, the score will be equal to 600 rubles. Then the pesia P. will be:

26 000 rub. × 1.27 + 403.6 × 600 rubles. × 1.34 = 324,527.42 rubles.

This is what a new one looks like the procedure for calculating pensions from 2017, in my opinion, everything was complicated again, but what do you think ?.

Every year in our country comes out on retire about two million people. How the pension is calculated in 2017, which affects its size - for most of them mystery . Let's figure out how it's done and help you avoid mistakes.

Size calculationpensions can be done with help from 45-90. More than 7 million people have already used it, as well as necessary for carrying out related calculations (determining the average monthly salary for any period up to 2002, finding the coefficient of the average monthly salary - KSZ, the amount of pension capital earned for the periods from 2002 to 2015).

However, to answer the question -how the pension is calculated and what determines its size, it is important to knowand understand the principles of formation of pension rights, details and features of calculations. This will help to avoid unnecessary losses from incorrectly calculated and often underestimated pensions.

How will the pension be calculated in 2017.

Common parameters , which will be used to calculate the size of pensions in 2017:

• The cost of one pension coefficient - 78 rubles 58 kopecks(since April 1, 2017).
• The amount of the fixed payment ( FV) to the insurance pension - 4805 rubles 11 kopecks(since February 1, 2017) .
• The minimum required insurance period for obtaining the right to an insurance pension - 8 years(since January 1, 2017).
• Minimum value IPK necessary to qualify for an insurance pension - 11,4 (since January 1, 2017).

What parts does the pension consist of and how is it calculated.

According to the Federal Law "On insurance pensions" - FZ-400, a pension (excluding funded pension) consists of an "Old-age insurance pension" and a "Fixed payment".

Fixed payment to the insurance pension (FV).

FV- this is an addition to everyone, without exception, to the accrued old-age insurance pension. Her sizein 20174 805 rubles 11 kopecks. Law ( FZ-400 ) this part of the pension is defined as follows: "Fixed payment to an insurance pension - provision of persons entitled to the establishment of an insurance pension in accordance with this Federal Law, established in the form of a payment in a fixed amount to an insurance pension." For northerners, disabled people and other beneficiaries, an increase in the size of the fixed payment to the insurance pension, described in article 17, is providedfederal law .

Parts of the insurance old-age pension (SPst)

The old-age insurance pension consists of four parts - three correspond to the periods of the citizen's labor activity, and the fourth is accrued for other periods equated to the insurance period:

• Parts of the insurance pension earned for periods before 2002
• Parts of the insurance pension earned for the periods from 2002 to 2014
• Parts of the insurance pension earned for periods after 2015
• Parts of the insurance pension accrued for other (non-insurance) periods.

Individual pension coefficient (IPC)

Starting from 2015, the pension rights of citizens are measured not in rubles, but by the value of the individual pension coefficient IPK. Therefore dIn order to calculate the size of the pension, it is necessary to determine, calculate, calculate or know the value of your individual pension coefficient - IPK. If IPK is known, then it is multiplied by the value of one pension coefficient (point) in the year the pension is awarded and its ruble amount is determined.

Individual pension coefficient(IPK) in accordance with the structure of the pension also consists and includes t6 main terms with the addition of a fourth, which takes into account pension rights for “other” (non-insurance) periods - military service, child care periods, etc.:

2002-2014+ IPK after

How is it determined and calculated IPK for each of these periods?

P e pension rights formed before 2002 (IPC before 2002)

Z depend and are completely determined by three "things":

• Duration of insurance (labor) experience until 2002.
• The average monthly earnings of a citizen either for 2000-2001, or for any 60 months (5 years) in a row in the period up to 01/01/2002 (whichever is more profitable is chosen).
• Duration of insurance experience until 1991.

Incorrect accounting or underestimation of any of the listed parameters leads to an underestimation of the amount of the pension. Pension rights of this period are first calculated in rubles, and then converted into IPK. Detailed a Calculation algorithm IPK until 2002 described in detail in.
The main problem for those retiring, including in 2017, is that the Pension Fund (PFRF) does not have complete information about citizens and their work activities for periods before 2002. Therefore, information about IPK until 2002. , which is issued by the Personal Account on the PFRF website, as a rule, does not correspond to reality. If your calculation is on a calculator orshows a result different from that specified in the Personal Account, thenit will be necessary to render and confirm one’s correctness in the PFRF on the basis of official documents confirming the length of service and earnings (employment book, earnings certificates, archival documents, etc.).

Pension rights formed in 2002-2014 . ( IPK for2002-2014 ).

They depend and are completely determined only by the size of the pension capital (PC) formed from the insurance premiums of a citizen over these years.

Neither the length of service (the duration of the periods in 2002-2014, during which insurance premiums were transferred to the PFRF for a citizen), nor other parameters, have any effect on the amount of the insurance part of the pension earned in 2002-2014. provided that the total length of service is sufficient to acquire the right to receive an old-age insurance pension.Calculation and evaluation of pension rights formed in 2002-2014, as well as rights acquired before 2002, are made in rubles on the basis of , and then converted to IPC scores.

How pension rights are calculated and IPK for 2002-2014 detailed in .

Information about this period of the citizen’s labor activity and about the amounts of insurance premiums transferred for him in the PFRF is available (fully operational since 2002personal account). Therefore, the value IPK for 2002-2014 can be found in the Personal Account on the PFRF website or on the State Services website. but you can calculate it yourself on , or "manually" based on .

Pension rights formed after 01/01/2015 (IPK after 01/01/2015).

They depend and are completely determined only by the amount of insurance premiums received by the citizen's ILS in the PFRF. WITH January 2015, after entry into forceFZ-400 ,waycalculation IPK has changed. For each calendar year, its value is calculated by the formula

IPK year- individual pension coefficient determined for each calendar year starting from January 1, 2015;SW year- the amount of insurance premiums accrued and paid for the corresponding calendar year for the insured person; EAR year- the standard amount of insurance premiums for the old-age insurance pension, calculated as follows

EAR year = 0.16 x Prev. Vel. bases.

Previous Vel. Bases is the limit value of the basefor the calculation of insurance premiums in the PF - the "ceiling" (upper threshold) of the annual salary, from which insurance premiums are calculated in the amount of 22%, of which 16% goes to the formation of an insurance pension. From amounts exceeding this threshold, insurance premiums are also transferred to the PF, but at a different rate - in the amount of 10%, and they do not go to the individual personal account of the citizen, but to the "common pool" of the PFRF. The limit value of the base is annually set by government decrees. Its values ​​for the last three years:2015 - 711,000 rubles; 2016 - 796,000 rubles; 2017 - 876 0 00 rub.

To calculate and evaluate your annual IPC earned after 01/01/2015, you can use simpler formulas

• IPK 2015 = (average monthly salary in 2015 / 59,250) x 10. Cannot exceed 7.39. If more, then 7.39
• IPK 2016 = (average monthly salary in 2016 / 66,333) x 10. Cannot exceed7.83 If more, then 7.83
• IPK 2017 \u003d ((earnings for 2017 until retirement) x 0.16 / 140,160) x 10. Cannot exceed8.26. If more, then 8.26.

IPC for other periods.

For socially significant periods - military service, child care and some others, points are also awarded and formed IPC for other periods. It is charged if a citizen did not work during these periods. The number of points for non-insurance periods, in accordance with paragraph 12, article 15 of the Federal Law "On Insurance Pensions", is as follows.

• The coefficient (IPC) for the period of conscription military service, as well as periods of service and (or) activity (work) provided for by the Federal Law of June 4, 2011 N 126-FZ "On Guarantees of Pensions for Certain Categories of Citizens" is 1 ,eight.
• The coefficient (IPC) for the full calendar year of another period provided for in clause 3 of part 1 of article 12 is:

1) 1.8 - in relation to the period of care of one of the parents for the first child until he reaches the age of one and a half years;

2) 3.6 - in relation to the period of care of one of the parents for the second child until he reaches the age of one and a half years;

3) 5.4 - in relation to the period of care of one of the parents for the third or fourth child until each reaches the age of one and a half years.

The final calculation of the amount of the pension

After the IPC is calculated or became known for individual periods, they are added up and the final value of the IPC is determined:

IPC = IPC before 2002 + IPC beyond2002-2014+ IPK after01/01/2015 + IPC for other periods.

With a well-known IPC, the amount of the pension assigned in 2017 is easy to calculate. For thisIPC is multiplied by the value of one pension coefficient and a fixed payment is added to the amount received

Pension = IPC x78 rubles 58 kopecks + 4805 rubles 11 kopecks

PS.

1. This algorithm for calculating pensions has been applied since January 2015 to the present day, and if the pension legislation does not change, it will be valid in the coming years.

2. The most important period, from the point of view of the possibility of influencing the amount of the pension accrued to you, is the period of employment until 2002. The amount of the pension can be influenced by choosing the most favorable wages (for 60 consecutive months) and the length of the insurance period (of course, confirming its required documents). To do this, you will have to carefully study the accrual of pensions for periods up to 2002.

3. It will not be possible to influence the amount of pension accrued for other periods (after 2002) - all information on the amount of insurance premiums is recorded on the ILS in the Pension Fund of the Russian Federation and "is not subject to appeal." What is listed there will be returned in the form of a pension.

4. The algorithm is described for the "standard" insurance old-age pension. In each specific case (early exit, northern features, etc.), additional questions may arise. Many of them are discussed and understood on our forum in the section. This is a collective treasury of knowledge and a mutual information fund, where you can ask a question and get an answer from those who have already passed this way.

5. Users of the site are well acquainted with the described algorithm. However, it seemed to us useful to put together and once again make a memo-instruction for beginners in order to show them the shortest path to knowing the "truth" and save them from long wandering around the site in search of the necessary material and knowledge.