An individual personal account that is opened by a citizen by applying to the Pension Fund of the Russian Federation is a document submitted in electronic format. It contains information on the pension eligibility of the person. This data is confidential and stored in compliance with the rules established by Russian legislation regarding the storage of personal information about citizens. Many people are interested in how to find out how many retirement points I have on my account. Therefore, you should consider different options for obtaining the required information.
Using an electronic type service
One of the ways to find out how many pension points I have accrued is to use the personal account of a Russian citizen. Using the specified electronic service, a person can find out all the necessary information. For example, the number of points on his retirement account, periods of work, places of official employment, level of salary, amount of insurance type contributions that were accrued by the employer.
Through this service, you can also get information about pension accumulations, including data on funds deposited by an employee to a personal account in the process of implementing a state co-financing program.
Using a personal account, citizens can use a personalized pension calculator and find out what factors influence the formation of pension type eligibility and the size of future payments.
Free access to the capabilities of the service is available to all users registered on the official website of the state and municipal services (www.gosuslugi.ru) and in the authentication and identification system (ESIA).
Registration of citizens on the specified site is done by entering personal data and receiving a special code by mail. After access to the user’s account is obtained, a citizen needs to go to the section on the Ministry of Labor and the Protection of the Population of Russia, and then select the subsection with the country's pension fund. As a result, the applicant can receive all the necessary information on-line in the online mode.
The official site is the most popular way to find out how many points are on your retirement account without leaving your home.
Pension Fund Country Mobile Application
The next simple way to find out how many pension points I have accrued is to install a mobile application. Currently, many government agencies have developed mobile applications that allow you to remotely receive the necessary information in various fields as quickly as possible.
The Pension Fund also has this innovation. Using the application in a mobile phone, you can find out information about the status of an individual personal account, check how and to what extent the employer accrued contributions to the Social Insurance Fund, make an appointment with specialists of the body or order the necessary documents.
The application is available for phones with Android, iOS platforms. It is free. With it, any user of a mobile device can take advantage of the basic functions presented through the personal account of the site "PF Russia".
To enter this application, a citizen must enter a four-digit pin code and log in to the public services portal system. Authorization will occur only if the user has verified the account in a simplified or standard form.
This operation can be performed at the Pension Fund department, at the post offices of our country, or at any Rostelecom office. Confirmation of an entry of an accounting type is carried out once. In the future, to enter the personal account a citizen will only need to enter a PIN code.
Through this application, the user can get information about the status of the personal pension account (about the points that were awarded to the citizen, work experience, the amount of the pension assigned, social benefits, the amount of capital for the mothers of two children, the history of requests sent to the Pension Fund and)
Customer service of the Russian PF
Another option, how to find out how many pension points I have on my account, is to contact the customer service of the authority in question. There are two ways to submit a request: by personally visiting the PF branch or by sending a written request for the provision of information of interest.
By a written request, a citizen can obtain information on the status of an individual personal account, including information on the state of the funded part of invested pension savings and a special share placed on an individual personal account.
If the appeal is transmitted by mail, the answer must come within ten days from the date of the appeal. If a citizen applied to the Pension Fund office personally, he must provide the employee with a passport and an insurance certificate at the place of registration (temporary or permanent) or at the place of residence, and then fill out an application with him upon the fact of his appeal. The response time for such a request is from five business days.
Appeal to the bank
The next way to find out how many points are on the pension account is to contact the bank that serves the applicant and conducts operations with his bank card.
In order to obtain the necessary information, it is necessary to first determine whether a given credit institution provides a similar function. Information can be made out in the form of a printed document by contacting the operator or using an ATM.
You can also get the necessary information electronically through online banking.
Factors affecting the size of charges
To figure out how to find out your retirement points, you need to consider what it is. And also what factors influence their size. Pension type accruals accrued to officially employed citizens are divided into parts: fixed and savings.
Each citizen has the right to make decisions as to whether he agrees to receive a fixed type of payment, or whether he will transfer his funds to the formation of another part of the pension - funded.
Calculation of all savings of a citizen is made in the form prescribed by law. It includes a number of key elements. One of these components is points (pension).
The following factors affect the amount of the insurance part of a pension:
- the amount of insurance type contributions that were transferred to the country's budget from the official salary of the pension recipient;
- age of future pensioner;
- the presence of dependents, one of the disability groups;
- residence;
- time to get on a well-deserved rest (timely, early);
- features of the formation of pension savings.
Features of calculating pensions
After considering how to find out your retirement points, you should study the features of calculating a pension. Its size is calculated by the formula:
P * S * K + FV * K
Where:
- P is the size of all coefficients of an individual type;
- C is the expression of the coefficient (one pension ball) in monetary terms;
- - fixed payment;
- K - indices of a rising nature, which are accrued on top of the fixed and insurance payments.
Each of these elements must be considered in a separate order.
Pension points are indicators that take into account all insurance premiums and evaluate each working year that the employee has officially worked at the enterprise, in the organization, or with a private person (individual entrepreneur).
When calculating pension payments for a specific year, the total number of all points accumulated by a citizen for the previous period is taken into account. Including the year preceding the retirement year.
Using simple calculations, you can easily answer the question of how to find out how many points are in the pension fund of a particular citizen. You can summarize them according to the formula: CB / MV * 10 (16) - depending on the tariff.
When calculating, all coefficients for all periods that are included in the working experience are taken into account. For example, the period of stay on parental leave is up to one and a half years.
The sum of these coefficients is added up with points already awarded. These periods of time are calculated only if they are not taken into account when calculating the accruals for loss of breadwinner or disability.
The number of calculated points potentially accumulated during the year is limited at the legislative level and is increasing continuously (until 2021). The limit number of coefficients varies for citizens who have decided to transfer payments to the funded share, and for those who have refused it.
When considering the topic "How to find out how many pension points have accumulated", it is necessary to study the size of the coefficient and the peculiarities of their growth. The amount of the coefficient increases every year by the price growth index. New provisions on the size of surcharges are set in April. In 2018, one point was 8, 70.
To find out how to find out how many pension points have been earned, you should consider the features of increased indexation of payments. An increased amount of payments is provided for the following groups of citizens:
- Disabled people of the first group.
- Citizens who have reached the age of eighty years.
- Workers who work or live in areas belonging to the Far North.
- Citizens engaged in the maintenance of persons recognized as disabled.
For pensioners officially working during a well-deserved rest period, indexation is not provided. If the old-age pension has been assigned ahead of schedule, in the future, if the right to receive these payments arises or if they are not received, a raising coefficient will be applied to the fixed payment.
Special accrual situations
Having considered where and how to find out how many pension points have been awarded, you should study what periods, in addition to direct labor activity, are included in the estimated time.
In the life of every citizen, a time may come when he does not work, but receives "points". For example, the army service, being on parental leave, and more.
If a citizen continues to work, then he is given the choice to count those points that were calculated on the basis of wages, or use those guaranteed by federal law.
For special periods, points are awarded as follows:
- 1, 8 - for one year of caring for a person over eighty years old or raising the first child on maternity leave;
- 3, 6 - raising the second child on maternity leave;
- 5, 4 - raising the third child and further on maternity leave.
Features of the calculation of experience
In addition to answering the question of where to find out how many retirement points I have, you need to know how work experience is calculated. If a citizen worked before 2002, these periods can be confirmed by presenting a work book.
Starting next year, a personified type of accounting is in effect. Its essence is that all information transmitted by employers about their employees is recorded in a special database of the Pension Fund.
Currently, amendments are periodically made regarding the indexation of pensions and the accrual of additional “points” for each year of work. The main place to find out how many pension points have been accumulated in real time is the personal account of the PF website.
New conditions for calculating pensions
If the options where to find out how many pension points have been earned do not change, then the conditions for making payments are supplemented and adjusted almost annually.
Currently, accrual of old-age pension is carried out as follows:
- Work experience - at least nine years.
- The pension type score is not less than 13, 8.
- Reaching age 55 for women and 60 for men (with an annual increase).
One-time retirement benefit
Retirees who retired before 2017 but have not received money are entitled to receive a one-time type benefit in the amount of five thousand rubles. For example, a person could be suspended pension payments for a certain time, and therefore there was no place to receive benefits either.
We could suspend payments for the following reasons:
- the citizen did not receive pension payments for six months;
- to receive a disability pension, a person did not pass the commission on time at ITU institutions;
- the citizen moved to another state with which the Pension Fund did not conclude an agreement on pension payments.
According to the norms of legislation, the right to receive a one-time payment in the amount of five thousand rubles is reserved for all citizens of retirement age who permanently live in this country and are officially recognized as pensioners.
Having considered where and how to find out how many retirement points and length of service you have, we can conclude that getting such information in recent years is very simple.