Pension reform in the Russian Federation is an important point that worries the entire population. After all, each taxpayer transfers certain funds to the Pension Fund of Russia. And at one point, he has the opportunity to receive money back, only in the form of a pension. In Russia , the support system for citizens who have gone on a well-deserved rest is constantly undergoing some changes. What news can you hear about this component of the life of the population? What information can be considered real changes, and which - myths and gossip? Now there is a lot of talk about pensions. Therefore, you should know exactly what to prepare for.
Cancellation of pensions for employees
The first news, which caused a wave of discontent from the population, was the abolition of pensions for working pensioners. Pension reform in Russia of this type implies that citizens who, after reaching the age at which they can go on a well-deserved rest, continue to work, will cease to provide financial support from the state.
In other words, pensions for working pensioners will be abolished . There are two ways to interpret this news. The first says that the condition will take effect in 2016 and will apply only to those who earn more than 1,000,000 a year. It turns out 83 thousand rubles a month. Such citizens will not be paid a pension. In the second, pension reform indicates a cessation of payments by the state for all pensioners who continue to work. Neither income nor seniority will play a role.
At the moment, such reforms are considered a myth. And if pensions are removed to working citizens, the first scenario will turn out to be closer. So far, all people who have reached retirement age in Russia receive financial support from the state in one way or another.
Payout limit
The next news also concerns working retirees. Some say that people want to limit financial support if people are officially employed. In fact, they plan to reduce the cash payments transferred to pensioners.
This type of pension reform news is a hoax. Now in Russia, systems are really being worked out that will help recount funds. But there are no strict restrictions. Only pension payments cannot be less than the subsistence minimum per person. Therefore, you should not be afraid of such news. The government, on the contrary, is thinking about how to maintain and even increase pensions.
Suspend Indexing
The discussion does not end there. The pension reform for working retirees in 2016 still took place. But only she is not too noticeable so far. The thing is that Russia provides for mandatory indexation of pension payments. But working retirees will not receive indexed benefits. Instead, they are supposed to receive financial support from the state without any promotions.
That is, at the moment in the country, citizens who have reached retirement age and continue to work, receive a pension, which was laid at the end of 2015. They have no indexing.
Mandatory Indexing
Nevertheless, this does not mean at all that the pension reform in Russia completely abolishes the increase in the amount of money paid to pensioners. This is not true. Indeed, the suspension of indexation applies only to employed citizens. All the rest will receive an increased pension in Russia. At the moment, all payments are indexed by 4%. In 2016, citizens should have 2 times increased the amount that the state pays for reaching retirement age. And this rule was fully observed. It turns out that there are no features for non-working pensioners. All the same indexing, all the same payments. Even the procedure for assigning financial support has remained unchanged.
Age
News of pension reform in the country does not end there. There are always some questions about this topic. It has long been planned in Russia to raise the retirement age. Is it true? Yes, there has been talk of raising the retirement age for several years. Now in Russia, women have the right to care for a well-deserved rest at the age of 55, men get this opportunity at 60. But, as practice shows, many do not stop working even after this age.
This prompted the idea that citizens too early go on well-deserved rest. In most countries, the retirement age is much higher. And it helps to replenish the state budget. The new pension reform implies a gradual increase in the retirement age. So, women want to extend working capacity to 60, and men to 65 years, respectively.
The consequences of "age reform"
What are the consequences of raising the retirement age? Now in Russia, many remain dissatisfied with this prospect. It has not yet been put into practice, but it is already known for certain that someday the news will become reality. The outrage was caused by the fact that the government of the Russian Federation tried to equal other countries and did not take into account the average life expectancy of a person in the country. So, women, on average, live to 77, and men - up to 65 years. It turns out that almost many men will not receive pension payments if they engage in raising the age at which they are allowed to officially go on a deserved rest. For this reason, the innovation has so far been decided to be postponed. But at the same time they are talking about a gradual increase in the age of retirement. Every six months it is planned to increase it by 6 months.
Experience and points
Pension reform in the Russian Federation has led the country to now use the so-called scoring system for calculating payments. For each worked year, a citizen is credited with certain points. In the end, the due pension will depend on the total number of points scored. So far, 30 points are required from citizens. And the amount of money to be paid in the form of pensions depends not only on points, but also on the cost of one point at the time of going on a well-deserved rest.
The point system is not everyone likes. But it was introduced and in the near future the government does not plan to revise it. Therefore, citizens should remember that now when calculating a labor pension, not only experience will be taken into account, but also the number of points scored for the entire time of work.
Changes in the terms of assignment
What else has the pension reform prepared for the population? The last thing that really interested citizens was the conditions for assigning payments. It has already been said that it is planned to raise the retirement age. Also, to receive financial support from the state (non-social), you must have 30 points. But the changes do not end there.
To get a well-deserved rest and receive money from the country, you will need 7 years of work experience. And this is regardless of the available points from a citizen. Previously, this period was 5 years. In 2016, it rose to 7. And this "bar" will increase until 2024. It is planned to bring the minimum length of service for retirement to 15 years. Such changes are now envisaged by pension reform. Recent news indicates that this is not a myth, but a reality.
Two parts of one whole
The following information can no longer be considered new. But all the same, far from everyone knows about it. The thing is that pensions are now formed mainly at the expense of citizens. Payments were divided into 2 parts: insurance and funded. The first is paid without fail. It is guaranteed by the state. Accumulative depends directly on citizens and is usually formed in non-state pension funds. You can leave it in the state fund. The main thing is from time to time to transfer part of the income to the selected organization, thereby postponing it for old age.
The formula by which it is necessary to calculate the funds paid to pensioners is of the form P = B * K + C + LF, where:
- P - monthly pension;
- B - the number of pension points accumulated by a citizen;
- K - the cost of one point;
- C - insurance part of the pension (established by the state annually);
- LF - cumulative part (formed by a citizen).
Many say that it is now planned to revise this scheme. This is actually not the case. The system remains the same. And in the near future no one will change it. The year of pension reform is behind. But there is still some news that excited pensioners.
Freezing
Pension reform in Ukraine resembles the changes that have occurred in Russia. In the neighboring country, at the moment it is planned to introduce a multi-component calculation of statutory payments, the same as it is now in the Russian Federation. This is not too scary, so the population is not very afraid of such changes, because pensions will still be transferred.
Only in Russia there were rumors that in 2016-2017 the government could “freeze” pensions, or rather their funded parts. It is proposed to exclude such a component in general when calculating pension payments to the population. Nevertheless, for the time being, one should not be afraid of this step either. According to the government, in 2016-2018 it is not planned to “freeze” the funded part of the pension. But here is how things will continue to be - a mystery that has not yet been revealed.
Lump sum payment
Pension reform in the Russian Federation in 2016 made many citizens think about how to put off their own retirement and not hope for higher pensions. The world is in crisis now. And in Russia too. Under such conditions, indexation of pension payments became impossible. Therefore, in 2017, all pensioners (employed and unemployed) will be paid a lump sum of money instead of indexing in January. How many? 5,000 rubles. And all other payments will remain the same. The government said there are no funds for indexing. Therefore, for the time being, we have to act in this way.
And just this news is not a myth. This is an established law. Now it remains only to wait for 2017. It is not known what other changes may affect the pension system in the Russian Federation. But even the government recommends independently worrying about savings for old age. Indeed, in times of crisis, sometimes you have to make serious decisions. The population should be ready for them. It remains only to follow the latest news. Maybe very soon the pension system will be completely revised again.