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When is it time to retire? Age restrictions for receiving a pension for men. Workers employed in enterprises with difficult working conditions

It is believed that this age is optimal for sending a person on a well-deserved rest. However, experts are increasingly saying that this is not the case. On average in the world, a person is sent to retire if he is over 60-65 years old. And it doesn't matter if it's a man or a woman - the conditions for all are equal.

Optimal age for retirement

As for men, the issue of raising the retirement age threshold is rather complicated. This is related to the fact that average duration lives of representatives strong half humanity in Russia is only 60 years old. And this means that many will not even have time to retire. Therefore, raising the retirement age for men is simply inappropriate.

As for the ladies, their average life expectancy is about 73-75 years. And this means that retirement in the prime of life - at 55 - is not always justified.

Naturally, we are not talking about those cases when a woman has serious illnesses. If the lady is healthy and energetic, she can safely continue to work on.

Preferential pension

About 34% of the total, according to the Ministry social development are classified as beneficiaries. The concept appeared due to the fact that there are a number of industries where the age for employees to take a well-deserved rest is noticeably lower than the generally accepted one.

So, for example, the standard output to preferential pension must be produced 5 years earlier than usual, i.e. women at 50, men at 55. However, there are industries that are equated to the category of harmful (hot shops, chemical industry, etc.). Such workers are offered even more benign conditions. Retirement age in this situation dates back to 50 years for men and 45 years.

However, in order to receive such a benefit, you need to work in the workplace. a certain amount of years. For women, this period is 7.5, for men - 10 years.

In addition, mothers with many children, parents of disabled people, disabled people themselves, workers of emergency rescue services, etc. have the right to a preferential pension. According to statistics, 73% preferential pensioners continue to work, receiving both a pension and a salary.

What is planned to be done

For several years now, rumors have been circulating in society that the government plans to raise the retirement age. The parliamentarians themselves are trying to come up with other various schemes that will solve the pension problem with minimal losses for the budget and citizens.

For example, one suggestion concerns finding ways to encourage more late release on retire. In this case, options for increased rates to the pension part, etc. are offered.

From some legislators, there is a proposal to limit the payment of pensions while they attend work.

So far, of all the proposed initiatives, the people have not chosen a single suitable one - one that would satisfy everyone. However, the search ideal solution are still ongoing. And perhaps soon a consensus will be found.

Questions about pensions today have become so critical and acute that even young people have begun to think about making appropriate payments. The retirement age in Russia for 2018 is 60 and 55 years for men and women, respectively. But this issue has been meticulously examined in the State Duma in the past few years, and for some categories of citizens the threshold has already been increased. What to expect the rest will be discussed in detail below.

However, already from January 1, 2017, the retirement age is increased annually by half a year for certain categories of citizens. Who was affected by the increase - read further in the article.

Every citizen of the Russian Federation has the right to receive an age pension immediately upon reaching the established limits. A special role is played by the length of service - the presence seniority. It is also possible that it is absent, but this is a completely different category of Russian citizens without experience, which adapts to other indicators and requirements.

Based on Federal Law No. 400-FZ of December 28, 2013 “On Insurance Pensions”, the retirement age in 2018 has not been changed. Men can make payments at the age of 60, and women at the age of 55. The increase affected only some categories of citizens, which will be discussed below.

The availability of a disability pension does not apply to the conditions presented. Foreigners living in the territory of the Russian Federation used to draw up their pension benefits with difficulty and with the obligatory involvement of their state. Since the current year, they are being processed in the Pension Fund on a general basis - it is only important to have the documents necessary for accrual.

Exit due to old age

The retirement age in Russia is considered annually, but in 2018 the rules and regulations regarding people applying for an old-age pension have not been changed. Payments are made from pension contributions paid by the employer during the official employment.

Achievement is not enough to retire certain age- other factors are taken into account:

  • Men go on a well-deserved rest at the age of 60, and for women the limits are reduced to 55 years. If citizens have preferential service, the term is reduced by 5-10 years;
  • Availability required seniority. On the this moment it is 9 years, and by 2024 it will be required from 15 years of formal employment;
  • Availability individual score- not lower than 13.8. Points also increase every year by 2.4 points.

The employment of a citizen who has reached retirement age is welcomed by the state - a person can work even after the start of payments. If he does not apply for a pension on time, but does it later, his coefficients increase by almost 2 times. Thus, the amount of payments becomes larger.

Retirement age for the Far North

Persons working in the North are entitled to a reduction in the retirement age from the generally established one by 5 years. So, the age of care insurance pension in men it begins at 55 years of age, and in women at 50 years of age.

Citizens engaged in animal husbandry and permanently residing in the Far North can go on a well-deserved rest even earlier. A man - at the age of 50, if the duration of his experience is 25 years. A woman - at the age of 45, if her work experience is at least 20 years.

Wherein early retirement entails a moratorium on funded part in the amount of 6% of the total amount of contributions that were transferred to an individual personal account ( SNILS). Moratorium ( "freeze" of funds) is valid until reaching the age of 60 and 55 for men and women, respectively - until the age pension comes. As soon as a citizen reaches the age insurance pension, cash will be listed together.

Raising the retirement age

The old-age pension in 2018 is assigned unchanged, but the law on raising the upper limits has already been signed. We are talking about politicians and employees of state and municipal institutions. Changes have been made since January 2017. For men, a limit was set at 65 years old, a woman is now leaving at 63 years old.

If a man or woman went on a well-deserved rest before 2017, the term is not added even in the case of current official employment.

How and when to increase

There is no information about what the retirement age in Russia will be in the near future for ordinary citizens, men and women. The age limit will be raised only for the indicated categories of citizens and will be done gradually - starting from 2017, the age will increase by six months. In 2018 pension accruals women start at age 56, while men can apply at age 61. But, this applies only to officials, civil servants, deputies etc. Ordinary citizens have not yet been affected by the increase.


 Applies only to officials, civil servants, etc.

The State Duma takes into account possible problems with the subsequent employment of citizens in pre-retirement age. This means that there will be additional accrual of unemployment, new benefits will have to be introduced for citizens who cannot get a job due to their age.

Why are you going to change the retirement age?

Russia is actively following the countries of Europe, therefore, a subsequent increase in age to the indicators available to them is possible. Below is a table of age restrictions in different countries.

Retirement in 2018, 2019, 2020

The retirement age in Russia in 2018 remains unchanged. The only exception is for citizens engaged in political activities and for employees of state institutions, as well as the municipality. In the future, the age for them will be raised to the established 65 years for men and 63 for women.

O pension increase Citizens who work at enterprises that have a hazard classification, as well as the military and employees of law enforcement agencies, should also think about it.

Indicators will be reviewed for:

  1. employees of clothing and textile enterprises;
  2. mothers of many children;
  3. war veterans;
  4. liquidators of the accident at the Chernobyl nuclear power plant;
  5. medical workers.

There will also be an increase in age annually by six months. They also need an increased seniority for retirement, and they plan to raise it to 20 years.

The increase in the age for entering a well-deserved rest, if it follows in the future, will be gradual. People need to adapt to these changes. Increase age values will have a positive effect only on the state of the Pension Fund. Citizens can face numerous problems and unemployment.

Unlike some countries, the current pension system in our country provides for different age retirement for men and women, equal to 60 and 55 years respectively.

But these indicators are generally established for all citizens with some reservation: for those who have the required minimum experience and the accumulated amount of individual points.

  • For those citizens who could not earn this experience and gain minimal amount coefficients will be set social pension aged 65 years old for men and 60 years old women.
  • For citizens who work in hazardous and hard work, the state has provided for an additional reduction in age, taking into account the requirements for length of service in the relevant types of work.

Appointment of an old-age pension

For example, if a citizen decides to draw up his pension 5 years later, then his fixed amount will be increased by 36%, and insurance part pensions by 45%.

Moreover, this right to increase the pension payment is also granted to the current recipients of the pension. They can refuse the amount received for a period at least a year, then at the subsequent establishment of the payment, special coefficients will also be applied to them.

In addition, the new rules for calculating pensions encourage citizens to work longer and earn more. The size of the future payment will directly depend on these indicators. It is only important that the salary was official with which the employer will pay insurance premiums to the Pension Fund of the Russian Federation.

The question of retirement is always relevant for various categories population. The type of pension system, retirement age, as well as other features of this procedure are enshrined in Russian Federation at the legislative level. Some relevant ministries argue that the retirement age should be increased for economic, social and a number of other reasons. The solution to this issue is of interest, first of all, to those citizens who still have a little more work to do before their well-deserved retirement “vacation”.

In the pension reforms adopted by government structures, it is indicated that there will still be an increase. It is planned to increase the retirement age in several stages, starting from the current year 2017 to 63 and 65 years. On the final stage implementation of the program, the age limit will be the same for both sexes and will be 65 years. Based on the plan, an increase in the age bar is planned at intervals of 6 or 12 calendar months. At the beginning of the summer of 2016, Deputy Prime Minister Ms. Golodets announced that the Government was not going to raise the retirement age for at least one more calendar year.

At what age can a citizen retire for old age?

According to the current regulatory framework of the Russian Federation, residents of the country who have reached a certain age are entitled to an old-age pension, which will become for them some kind of compensation received earlier wages or any allowance. Previously introduced pension reforms consolidated the concept of insurance pensions. Thus, payments to pensioners are made by making insurance contributions to the Pension Fund of the Russian Federation. According to the current Federal Law "On insurance pensions", men at the age of 60, and women at the age of 55, acquire the right to an old-age pension.

In some cases, citizens have the right to receive insurance pension payments earlier. So, having a certain preferential length of service, you can reduce your retirement age by 5, in some circumstances by 10 years. To apply for this category of payments, citizens must have at least 8 years of age insurance experience. It should be noted that the introduced pension reforms provide for an increase in the period of insurance experience in several stages, and by 2024 it will be 15 years. Also for appointment of insurance pension benefit the so-called “individual pension score” (IPC) is also taken into account, the minimum value of which for 2017 is 11.4. This indicator increases annually by 2.4 points to reach the final value of 30 units.

Pension payments under the state pension provision

Conditional pension benefit state support, divided into several varieties based on the category of the recipient. So, there are pensions for years of service, social benefits, pension in connection with the loss of the breadwinner, old age, as well as disability. According to the Federal Law "On State Pension Provision of the Russian Federation", state pension payments can be assigned:

  • Citizens employed in the federal public service;
  • military personnel, as well as some members of their families;
  • Citizens taking part in the Second World War, living in besieged Leningrad (now St. Petersburg);
  • Citizens who have received harm to health from radiation exposure or due to man-made disasters, as well as some members of their families;
  • Citizens employed in astronautics, as well as some members of their families;
  • Flight test personnel;
  • Citizens who have lost their ability to work.

The previously mentioned Federal Law also determines the specific conditions for the appointment of this kind of state benefits, as well as the procedure for their payment:

  1. A civil servant can apply for pension payments from a certain age, but taking into account his seniority. If in the past 2016 it was necessary to work on federal service 15 years, then starting from the current 2017, the experience will be increased by 5 years, increasing it every six months;
  2. Military personnel can apply for the appointment of the mentioned security from the age of 45, but the candidate must have a certain track record or length of service in military service;
  3. Disability payments, which were assigned to the conscripted military, participants of the Great Patriotic War, living in Leningrad during its blockade, are assigned to this category of citizens from the moment of its acquisition. The benefit is paid at 100% even if the recipient is still working somewhere;
  4. Persons affected by radiation (during the Chernobyl accident) can receive pension compensation in connection with the onset of disability, regardless of their age. At 45 and 50 (in some cases at 55) years, women and men, respectively, can apply for an old-age pension;
  5. Those who received social pensions (assigned at the age of 65 and 60) are deprived of state payments if they receive a new workplace or carry out activities that bring them a certain income. After dismissal social pension will be paid again.

For a certain group of recipients, the retirement age for the appointment of state payments can be reduced, in accordance with some norms of the current regulatory framework in Russia. Financing of this category of public pension benefits funded from the federal budget. The appointment of a state pension is carried out after the citizen submits an application of the established form and a package of documents.

Peculiarities of assigning pensions to certain categories of citizens

The essence of the new pension reform is that unprotected categories of the population have some advantages in the appointment pension payments. Registration pension provision for some persons it is possible ahead of schedule for social reasons or medical indications. The citizens of this category include:

  • Women who have given birth to at least five children;
  • Parents or designated guardians of children with disabilities from an early age;
  • Citizens who became disabled as a result of participation in any military campaigns;
  • Disabled people (that is, group I), as well as those who have limitations associated with vision problems;
  • Citizens who are medical reasons have short stature(that is, dwarfs, midgets).

Features of the appointment of payments are prescribed in the norms of the relevant federal laws. So, for the first two categories of beneficiaries, it is necessary to have official confirmation of the upbringing of children (up to 8 years old), for example, a certificate from the housing department. It is worth noting that only one of the parents or guardians of a disabled child can apply for early retirement benefits. For other categories of citizens, it is necessary to have an ITU certificate, which will serve as confirmation of disability. These citizens, in addition to the assigned pension benefit, may be assigned monthly payment additional help.

Assignment of pension payments in the Far North, as well as other regions equated to it

Inhabitants Far North, as well as those areas where living conditions are similar to it, have legal grounds apply for the appointment of the said allowance in advance of the generally accepted age limit. Also, this category of beneficiaries includes citizens who have ever worked in the regions mentioned. The appointment of pensions for them is carried out taking into account the individual length of service and the size of the IPC, therefore, it can be performed earlier than the official established retirement age of the Russian Federation.

So, citizens who have worked in the harsh northern conditions for at least 7.5 years can count on reducing the retirement age by 4 months for each year of work. That is at least 30 months. For those persons who have worked in the northern regions and equivalent areas for 15 years or more, the age reduction is possible by 9 months for each year worked. The so-called "northern" pension allowance can be claimed following groups citizens:

Early appointment of pensions to citizens employed in hazardous production and unemployed in the pre-retirement period

In addition to the groups of citizens mentioned earlier, persons who:

  • Fulfilled their labor obligations in difficult or harmful working conditions;
  • Became unemployed in the pre-retirement period and cannot find a new job.

Employees who performed their work duties in difficult, harmful or especially difficult conditions are offered early retirement, provided for by the current legislative norms thus:

More detailed list professions, conditions and types of work, as well as the required age of the recipient, the conditions of his insurance period are enshrined in articles federal law"On insurance pensions".

Persons who became unemployed in the pre-retirement period due to the reduction or liquidation of their place of work must register with the employment service. Pension reforms provide for early retirement for this category of citizens if it is not possible to find a new job, or in such cases:

  • Employees of the employment service offered this option to the candidate, and he gave his consent;
  • The recipient has the necessary insurance herd and a certain amount of IPC or a preferential period for early appointment payments;
  • Unable to get a new job.

The appointment of such a pension benefit is carried out no earlier than 2 years before reaching the retirement age established in the Russian Federation, taking into account the early assignment of a pension. Procedure early exit Retirement of the unemployed has the following features:

  • Receipt of pension compensations is terminated in those situations when the recipient is employed in any workplace or begins to receive income from doing business;
  • The reappointment of pension payments is possible at the request of the recipient after he is dismissed or ceases to conduct activities that bring him any income;
  • An unemployed citizen who was previously employed in the federal public service may apply for additional payments, in addition to the assigned allowance, for the length of service.

After reaching the established retirement age, the recipient can apply for an old-age pension, which is assigned under the insurance pension system. For this purpose, a citizen must send an application to the Pension Fund authorities.

Some statements about changing the age for retirement

According to regular reporting publications by WHO, as well as practical experience leading foreign countries, the increase in the period of retirement is not an exception, but rather the expected norm. The Russian Government, following the legislators of other countries, has come to a period when raising the retirement age is an absolute necessity. It is in Russia that today there is the lowest age limit for obtaining a pension benefit. In this regard, special pension reforms were prepared, prescribed in the relevant regulatory legal acts.

So at the end of May last year The President signed a legislative document, according to which some changes were made to the existing pension system. The age limit was increased, first of all, for people employed in the public service: for women - 63 years, and for men - 65 years. In addition, the norms of the mentioned document adopted an increase minimum seniority for employees of municipal and state bodies for 5 years until 2016.

As Ms. Golodets notes, changes in the age limit in the current 2017 will not affect the majority of pensioners, but already in the next 2018, some norms will still gain strength. The relevant ministries are already preparing their own versions of bills to reform the current system, since the burden on the Pension Fund is very high. Yes, and the problem of lack of jobs for young professionals also remains relevant for our country.

Talk about changing the retirement age continues to this day. The Ministry of Finance, the Ministry of Economy, the Ministry of Labor and other departments have already spoken about this. Such a friendly excitement around this topic suggests that the problem is acute and in the near future a document will appear that meets all the demands of society.

When will the retirement age increase?

The crisis phenomena in the economy have led to the fact that today it is more and more difficult to find a job for young people, not to mention those who are over forty years old. Many people approaching the age of fifty are waiting, can not wait until they can rest and collect their pension accruals.

In fact, the uncertainty with the adoption final decision Russian government about pensions, many experts explain the upcoming 2018 presidential elections in the Russian Federation. None of the current officials dare to influence their rating on the eve of the will of the Russians.

The bill will go to the deputies of the State Duma most quickly after the election of the head of the country. What will be its final version will depend on the new government, although the developments of the document are already underway. Economists and experts are in full swing discussing the future increase in the retirement age.

Why are they going to change the retirement age

Analysts say that the current pension reform cannot be successfully carried out according to the old principles and criteria. Analyzing the current situation in our country and abroad, they came to the conclusion that raising the age for taking a well-deserved vacation is already overdue and inevitable.

According to experts, economic difficulties in the country are simply forcing to reduce the burden on the budget. The Russian government is looking for additional sources financing. Raising the retirement age can reduce the number pension contributions with a simultaneous increase in income from an increase in the number of jobs.

The demographic situation and the real employment of the population also make it necessary to speed up this process. Currently, the number of pensioners is growing faster than the number of workers, so very soon there may come a time when the working population will not be able to support the armies of people old age. This picture is inherent in many states where the number of births is significantly less than dying people.

An analysis of the situation with the retirement age shows that the limits of retirement in Russia are the lowest. They were defined in Soviet time when life expectancy differed significantly from the current situation. Today, citizens of the Russian Federation live much longer and this indicator is steadily approaching the value of the leading industrial countries, where, in turn, the retirement limit is also higher than in Russia:

The country Women Men
America 65 65
England 60 68
Germany 67 67
France 65 67
Italy 65 67
Spain 65 65
Japan 70 70

And this is how a similar table looks like in the CIS countries and our closest neighbors:

The country Women Men
Kazakhstan 58 63
Azerbaijan 57 62
Moldova 57 62
Georgia 60 65
Lithuania 58,5 62,5
Hungary 62 62
Poland 60 55

These tables show that many countries have already moved to the new retirement age. Experts believe that Russia should not mechanically adopt foreign experience.

It is necessary to take into account Russian realities and only then proceed to a large-scale program. In doing so, pay attention to:

  • life expectancy of Russians;
  • gender equality;
  • health improvement;
  • opportunity to open new jobs.

For example, if in Germany the average life expectancy is 79.9 years, and retirement for men comes at 67, this means that German men will be on state support for almost thirteen years. In our country, if we assume that men will begin to retire at 65, and their life expectancy at the moment has not even reached seventy years, it turns out that they will have less than five years to live in retirement. This circumstance causes furious indignation in Russian society. It turns out that the state throughout the entire working life of a person receives deductions from him in order to provide him with a not quite decent pension for only a few years.

Concerning gender differences in Russia, it must be taken into account that Russian women receive throughout life fewer men Naturally, deductions to the Pension Fund are also much more modest. As a result, when they retire, they can count on a small pension provision.

Pension reform is also closely linked to the creation of new jobs. In order to provide for all pensioners who have remained at work, it is necessary enough work places. And for young people, you need to find work if older people hold their positions for several years longer.

How will the retirement age be increased?

Since 2017, a bill has come into force, according to which the retirement age for civil servants is gradually increasing. The old bar began to rise by six months every year. This process will continue until the border reaches 63 and 65, respectively. The increase in the retirement age will continue until 2032 and 2026.

From January 1, 2018, the bar for civil servants will be raised for the second time and men will have a retirement age of 61 years, and women - 56 years.

According to this bill, the retirement age for state employees and the military has not yet changed. Presumably this will happen along with the submission new program Government of the Russian Federation after the presidential elections in 2018. The age increase, most likely, will be carried out according to the already proven scheme, that is, six months every year.