Types of pensions for state pension provision. Minimum pension

The pension system is the most stable state system that has been developing over the years. The Russian system began its development recently, after the reforms were carried out. This is manifested in the fact that the procedure for calculating payments is changing, their size is constantly increasing. There is a clear settlement system. Each person sooner or later takes a well-deserved rest, and hardly anyone wants to receive a minimum pension, which will be clearly undeserved. In order not to be completely unaware of the person when the time comes to retire, you must try to find out everything in advance, then you can safely go on a well-deserved rest and not worry about anything.

What is the concept of "pension"?

Pension provision is a special measure adopted by the state, which makes it possible to help financially citizens with certain health problems. This category of citizens may include persons with disabilities with disabilities; children who have lost parents. Payments must be made monthly. In order to be able to apply for a pension, you must submit the necessary documents that will confirm the status.

What types of pensions exist

Provision of citizens belonging to socially protected categories with a pension according to the law can be divided into two types:

1. Labor pension - issued according to age, disability, but only when the injury was received at work.
2. A social pension is accrued by authorized state bodies, if there is a natural or acquired disability, there is a loss of a close relative who took care of elderly people, as well as people with disabilities, requiring systematic care.
   

Pension benefits and their classification

Types of pensions for state pension provision are divided into three types:

1. Government payments. This concept refers to payments made from funds received from the regional budget.
2. Insurance is another type of retirement insurance provided by insured citizens. For example, it may be disabled relatives who have lost their breadwinner.
3. Cumulative security relates more to the non-state system, since directly retiring citizens themselves receive an increase in systematic payments. In this case, you should conclude an agreement in advance with a special fund that is not under the care of the state.

What is an insurance pension: concept

Types of social pensions are versatile, so you should dwell on each of them individually. An insurance pension is a monthly payment. Their state compensates due to the fact that the citizen was insured and made insurance contributions from his salary to the fund. This type of pension is paid to employed citizens, even with a minimum length of service. Women in 55 years, men in 60 years will be able to retire.

Such payments will be credited only when the following conditions are met:

1. The specified age will be reached.
2. There is a seniority, and this is at least six years of work at the enterprise or organization.
3. Scoring Their number depends on the remuneration at the enterprise.

When is a disability pension awarded?

Types of pensions for state pensions include such a thing as disability pension. A labor pension is accrued by the state to persons with disabilities of 1, 2, or 3 groups. In order to be able to make such payments, a pensioner must work at least a day at the enterprise. When this condition cannot be fulfilled for various reasons, and there are no entries in the work book, a citizen can receive only a social pension, which will be minimal. It should also be noted that the labor pension is awarded when the examination proved that the citizen received injuries at the workplace, and this was not done on purpose.

The main points that you should pay attention to when applying for a pension for people with disabilities

When a disability group is established for a citizen, he has every right to claim monthly payments. It is very important to remember that disability must be documented, for this you will need to provide some certificates:

1. The minimum pension will be assigned only if there is a partial or complete disability, and this is confirmed by certificates from MSEC bodies.
2. If MSEC determines that a citizen is temporarily incapacitated, it will be required to undergo a medical commission annually to renew a certificate.
3. The disability group will directly affect the size of benefits.

When a person has complete disability, then he must have the first group of disability, it is established for life and does not require re-examination. Also, the main issue that interests many, is the provision of pensions for a particular category of citizens - these are children with disabilities. Let us consider in more detail the question of what kind of pension a disabled child has and what benefits people with disabilities can expect in Russia.

Disabled children of the first group will be able to count on payments in the amount of 12,100, disabled people of the second group from childhood receive 10,000, disabled people of the second group receive 5034, disabled people of the third group - 4279 rubles.

Survivor's pension

Pension accruals are made when the breadwinner dies. These payments are paid only to those citizens who are dependents of the deceased person. Such payments will be accrued to certain categories:

1. The native children of the breadwinner, who died, but only on condition that they were under 18 years old. An exception may be considered to be children aged 23 years, but only if they are full-time students.
2. Widows and widows will only be able to receive payments if, at the time of the loss of the breadwinner, they were already disabled. Often this happens either in old age or disability.
3. Parents of the deceased breadwinner, disabled by old age or disability.
4. Adopted children.
5. Foster parents who raised a deceased breadwinner officially for at least five years.

The amount of the survivor's pension is established by law separately for each category of citizens, while the absence of any other source of permanent income is considered an important point.

Documents for obtaining a pension for loss of breadwinner

If the child has reached the age of 18, then in order to receive payments for the loss of the breadwinner, it will be necessary to present facts confirming that the child depended on the financial assistance of the deceased. Most often, this fact is established in the judiciary. The following documents may serve as evidence:

1. All payments indicating the fact of money transfers.
2. Information that the child does not earn money on his own.
3. Witness's testimonies.
4. Documents that indicate kinship with the deceased.

The amount of the survivor's pension is determined as follows:

1. For citizens who have lost one breadwinner - 5 034 rubles.
2. Children who have lost both parents receive 10,068 rubles.

What are monthly pension payments?

People who: can rely on payments related to pensions

1. They are citizens of the state and clearly complied with all the conditions provided for in the legislation.
2. Foreigners who do not have Russian citizenship, but who at the same time also fulfilled all conditions on an equal footing.

Pension can be paid to people who have retired officially, but at the same time continue their career. In this case, these are not full pension payments, but only certain allowances. Recalculation is done once a year, in early August.

The classification of pensions may affect the type of benefits. You cannot choose two types of pensions for yourself, there is only a separate category of citizens for whom such services will be available: these are participants in hostilities during the Second World War, citizens who were injured during the war, parents of soldiers who died in the line of duty.

Types of pensions for state pension provision are divided into:

1. Retirement after years of service. It is given to citizens who work in a certain field. These include astronauts, military personnel, civil servants and pilots. The main condition for receiving such a pension is the experience, which should be a certain number of years.
2. Old-age pension payments. Everything is very simple here, a citizen should reach retirement age.

The procedure for applying for a retirement pension

Before applying to the authorized bodies, a citizen applying for a labor pension will be required to collect documents for an old-age pension. If he is a citizen of Russia, then the main document for him is considered a passport, for foreigners - a residence permit. An important point remains the experience of working with its documentary evidence. The Pension Fund will need to provide a work book in the original and a certificate of insurance. It will be most correct to apply for a detailed consultation to the pension fund of your area, since there may require additional information. The procedure for applying for a pension also implies the existence of a working experience of at least six years. It should be remembered that women can retire at 55, men at 60.

Basic documents for calculating an old-age pension

To apply for an old-age pension, you will need to provide the following documents to the Pension Fund:

1. Proof of identity. This is usually a passport. The document indicates the date of birth, registration and the country where the citizen resides.
2. A statement written by the hand of a filing citizen.
3. Certificate of Income. Such a certificate can easily be obtained at the organization in which the person works. It will indicate earnings in recent months.
4. Identification code.
5. Men should show a military ID.
6. If there are children, then birth certificates should be provided.

What benefits can children of war expect?

Russian citizens who were born during the war are a social category, which can also count on support from the state. Pension for children of war mainly depends on additional factors. To obtain the status of a child of war, you will first need to contact the Office of Social Protection. Today, such pensioners can count on additional increases to their basic pension, which amount to 300-5000 rubles per month. Separately, this category of citizens is provided with additional benefits:

1. Discounts on utility bills.
2. To buy drugs.
3. To travel by public transport.

Recent changes due to pension indexation

Pension reform continues to be carried out intensively, and it was in connection with this that the pension was indexed not so long ago. New laws on pensions were adopted that clearly regulated the size of pension payments. The latest indexation of the pension made it possible:

1. Increase insurance pension contributions by 4%.
2. The state made sure that a one-time allowance of 5,000 rubles was paid. Pensioners who are still working and those who no longer go to work will be able to count on such a benefit.
3. From August this year, a premium will be made, where inflation for 2016 is necessarily taken into account.

As you can see, all types of pensions for state pensions require careful study. In such matters, future pensioners should be competent and monitor all changes that occur as a result of the reform. To get complete information, you should seek the help of qualified employees of the pension fund, who will be able to familiarize themselves with the law and accurately calculate the required social benefits. It is very important for any person to be competent in such matters, because in the future his future may depend on this. The sooner there is an opportunity to delve into the matter with your further pension, the more chances are there to receive from the state everything that a citizen is entitled to by right.