Many believe that in Russia there is a restriction on pensions for working retirees. And such thoughts appeared for a reason. The fact is that during the crisis, the Russian Federation is constantly reviewing the pension system. A variety of ideas and considerations are put forward, how to support the population, but at the same time not to lose significant amounts of money. And the news about the restriction of pensions to those who are employed even after reaching retirement age sounds very often. But is she really there? Is there anything to be afraid of pensioners in Russia? What reforms were proposed in this regard, and what are the conditions for calculating pension payments to this day in the Russian Federation? All this should be fully understood.
Truth or myth
Is limiting pensions to working retirees - is this true or a myth? After all, this issue is very often discussed among the population, since it is not clear whether Russia really proposed to limit pension payments or not.
In fact, such proposals have taken place. But for now, in 2016, you can call them a myth. Such a step will force a review of the entire pension system of the country. Citizens, even of retirement age, make contributions to the FIU to then receive their money back. And limiting payments in this situation is a dangerous and reckless step. Therefore, things did not go beyond ordinary conversations.
Full cancellation
But the limitation of pensions to working pensioners in Russia is far from the worst news. This proposal, as already mentioned, is not yet in force. But there is a different law. It cancels generally pension payments to those citizens who, even during a well-deserved rest, continue to work for any reason.
Fortunately, the prepared bill was not intended to affect everyone. But only those who receive more than 1 million rubles a year. This is 83 thousand per month. Such categories of persons are not paid cash during the period of employment. And only after the dismissal there is a recalculation and assignment of pension payments.
Fortunately, neither the restriction of pensions to working pensioners in Russia, nor the complete abolition of such support from the state takes place. All this is just reasoning. The pension system of the Russian Federation is not yet ready for such decisions. Therefore, in 2016 there is nothing to fear. Pensions are paid to everyone - both working and unemployed in Russia.
Indexing
But you should pay attention to another point. To some extent, the restriction of pensions to working pensioners takes place, but not in a similar interpretation. The thing is that according to the established rules in Russia it is necessary to produce the so-called indexation of payments every year. That is, a slight increase in paid pensions. To what point? There are no restrictions. The government simply has to raise pension payments once a year.
And in 2016, pension restrictions for working pensioners can be interpreted as the abolition of indexation. People who continue to work after reaching retirement age were asked to cancel the indexation of payments in 2016. At the moment, the mentioned condition of the legislation is fully valid. Pensions are paid but not indexed.
Nevertheless, the state still supports the population. As soon as a person who has reached retirement age terminates all labor relations, payments will be recalculated. From that moment, indexation of payments will take place.
Will reduce
Many are worried about the reduction of pensions for working pensioners. An idea has already been put forward not only for the abolition of financial support for workers, but also for a decrease in paid cash.
A similar proposal was also not implemented in the second half of 2016. No one deliberately began to reduce payments to working retirees. But indexing, as already mentioned, is canceled. Therefore, we can say that to some extent, payments decreased. Though slightly. In fact, in 2016, working pensioners are paid the same amount as in 2015.
Actual cancellation
But this is not all the news that relates to the pensions of employed citizens. The fact is that in Russia there is an actual restriction of pensions to working pensioners. What does it mean?
In the amount of payments, no one limits support. Just at the moment, the country does not provide for indexation of pensions to those who are employed. Citizens receive the same amount as previously laid. But now the risk is high, in principle, to lose a pension. How exactly?
All due to ongoing discussions on raising the retirement age. Due to this, there will be a restriction of pensions. There will be fewer working pensioners in the country. Some run the risk of losing the status of a person who went on a well-deserved rest. And someone may not even see the pension, for which money was transferred all his life.
About retirement age
What do they say at the moment about when to go on a well-deserved rest? Pensions may be limited to working pensioners in Russia if the increase in the retirement age actually begins. As already mentioned, some may lose such support from the state, someone will not see it at all. If we attribute here also the lack of indexation, then we get a real limitation of financial support, and a serious one.
At the moment, in Russia women retire at 55 years old, men at 60. It is supposed to raise this bar by 5 years. Accordingly, men will receive a pension at only 65, and women at 60.
On average, most male pensioners do not live up to the age of 65. Or they die very quickly. Therefore, it is highly likely that citizens will not see the money that they transferred to the Pension Fund of Russia throughout their lives. At the moment, it is known that they will increase the retirement age. But when exactly, no one knows. Russia is not yet ready for such a step. He will cause a lot of discontent among the population.
Compensation instead of indexing
Reducing pensions for working retirees is a serious step. So far, it has been implemented only through the abolition of mandatory indexation. Therefore, one should not be afraid of a complete loss of support from the state.
The latest news indicates that in 2017 in Russia there will not be enough funds to carry out indexation. Instead, the government decided to take a different path. And in January 2017, instead of indexing, all citizens who have reached retirement age will be paid a lump sum compensation. At the moment it is 5,000 rubles.
In fact, this is the pension restriction. Working pensioners and unemployed simply in 2017 will be paid 5 thousand rubles in compensation. And the size of pensions will remain the same. That is, no indexation will occur even for the unemployed. The government substantiates its decision by the lack of sufficient money from the state to carry out the procedure for increasing pension payments.
Pensions
The next point that interests many is the size of the pension for working pensioners in Russia. And for everyone else too. How much will citizens who have reached retirement age receive? This issue is extremely important. After all, pensioners should know what to count on.
No one can name exact numbers. In any case, when it comes to a retirement pension. It all depends on the salary, duration of labor, as well as on the term of refusal of employment. But on average, after retiring, a pensioner will receive about 15,000. This is a retirement pension.
All employed receive an old-age insurance pension. It is currently about 13,132 rubles. More precisely, many indicate that a working pensioner receives an average of 13,500. There is a social pension. It is about 8,562 rubles.
Now it’s clear what you can count on in one case or another. The restriction of pensions to working pensioners in practice does not take place. Unless this term means a suspension of indexation, as well as an increase in the retirement age.
Terms of appointment
The next nuance to be taken into account is the conditions under which it is generally possible to receive a pension. Not all citizens who have reached retirement age can get this kind of support. Only a social payment will be assigned to them under any circumstances. But insurance is required to "earn."
In 2016, pension restrictions for working retirees in Russia are expressed in the established rules for the appointment of such state support. Recently, the so-called point system has been operating in the Russian Federation. This means that the size of payments, as well as the moment of going on a well-deserved rest, depends on the number of “points” available on the citizen’s account.
Under what conditions does a pensioner have the opportunity to receive a pension (not social)? If by 2016 he has 7 years of work experience. This figure is expected to grow until 2024. By that time you will have to have 15 years of experience. This is the restriction of pensions for working pensioners and all other citizens in Russia. Important: a citizen must reach retirement age in order to receive payments due to him.
Employment after retirement
There is another very interesting condition. It is already clear that recalculation of pension payments will be made to citizens after dismissal. But what if the person was not employed, and in 2016 he decided to go to work? Will there be a reduction in pensions for working pensioners in this case?
No, the payment will remain exactly the same as it was before the employment. It’s just that from the moment the employment relationship begins, it will not be indexed. This means that a citizen will receive a pension, which was established not in 2015, but already in 2016. Lowering it will not happen, only fixing.
Can lower
Some citizens are wondering if there may be a reduction in pensions for working retirees. Indeed, in a crisis, the country is the way to take any measures to save the budget.
Most likely, you should not be afraid. There can be no direct decline. But the establishment of fixed payments to all working pensioners, regardless of salary, position and funds transferred to the PFR, is easy. It is also possible the lack of indexing and any compensation.
You should not be afraid to reduce payments. This measure was not even discussed in the government. Indeed, then there will be a deliberate deterioration in the standard of living in Russia. No one is interested in this.
conclusions
The size of pensions for working pensioners in 2016 is no longer a mystery. Moreover, from now on it is clear whether the employed people were really limited in financial support from the state. It is still unknown how the pension system will develop in Russia. But reduction of pension payments and their complete cessation are not expected.
Therefore, citizens can calmly work on. Most likely, if a serious restriction of pensions to working pensioners is imposed, people will simply begin to leave work. To decide on such changes, you should first thoroughly work out the entire pension system of the country.
There is no real restriction on financial support for employed citizens of retirement age. The government just canceled indexing for this segment of the population. And in 2017, instead of raising cash, they were compensated. There is currently no more real news regarding retirement benefits. The only thing the government recommends is to set aside part of the income on old age. Limiting pensions for working pensioners is not the most truthful news. The pension system is undergoing changes, but not so serious.