Over the past few years, legislation has adopted a series of reforms that have affected pension payments to various categories of citizens. So, for example, in 2016, indexation of payments to those pensioners who continue their labor activity was stopped. However, this action was accomplished with a remark stating that when a person decides to complete his seniority, all payments and the reimbursable return of indexation will be compensated. This is the main significant difference. The rest of the pension payments to working pensioners are made under the same conditions as those who have already completed their activities and are on legal rest and provided by the state. But contrary to forecasts, these payments remain. The features of the payment of pensions to working pensioners and its calculations will be discussed in this article. For quite a long time, this sphere remained stable, but several years ago it began to undergo drastic changes.
The essence of pension reform
The law began to undergo quite significant changes in 2013. It was at this time that two documents were signed, constituting a new legislative framework. The first says that any person's pension is subject to insurance, and the second - that it has a funded basis. Since the bills were supported by the majority, since 2015 all changes have entered into force and began to function at the legal level. Accordingly, the size of the pension no longer has a universal fixed value.
Most experts analyzing the new provisions argue that in the common sense they will not bring anything good. First of all, the financial situation of the state budget may worsen, as private insurance and pension companies offer the most favorable conditions for cooperation with pensioners. Transferring own savings from the state PF of the Russian Federation is becoming a popular practice. According to many experts, the bill on the features of the payment of pensions to working pensioners is a consequence of a decrease in the RF PF reserves. It proposed stopping the indexation of age-based payments to those recipients who work together.
According to statistics, about 220,000 people are recognized as working pensioners. And if the abolition of pension payments to working retirees is established by law, the state will be able to save about 16 billion rubles. After several years of operation of the law, this figure will amount to 60 billion.
What happened to the pension after the entry into force of the new reform?
To a greater extent, the reform obliged us to formulate a new procedure for calculating the pension and the conditions under which it should be assigned. To date, coefficients have already been introduced for calculations, the size of which directly depends on the history of a person’s labor activity: total work experience, salary, amount of deductions to the tax fund. According to the law 400-F3, today the formula is as follows: SP (pension insurance indicator) = IPC (number of points scored) × SEC (cost in accordance with IPC) + PV (fixed part of the pension payment).
According to the new rules adopted by the current legislation, from the date of entry into force of new requirements, the amount of pension payments is subject to recalculation in accordance with the established formula. However, the government claims that all the conditions concluded earlier will be respected and taken into account when forming the final monthly payment.
Speaking of accumulation, we can say that the process of forming a specific monthly amount has not changed. All transformations relate more to the legal side, since a single regulatory document was created in which all the relevant provisions were spelled out.
The insurance part of working pensioners
According to the current labor legislation, in the event that a person officially has the right to retire, but did not do this for his own reasons, he is able to increase his savings. The state is not going to prohibit such activities with the onset of the appropriate age. But here is a review of the procedure in accordance with which the pension is paid to working pensioners, in his plans. If we talk about the insurance part, then the procedure for its calculation has already undergone significant changes. Thus, if before the adoption of the new law the concept of a pension asset or capital was in effect, today all indices have been converted to points.
The dispute is caused by Article 18 of the Federal Law “On Labor Pensions”, which says that the insurance part is calculated on the basis of the data available on the person in the RF PF. However, in practice, individual accounting takes place, based on which the size of the payment is formed. Such methods require an individual approach and analysis of each situation separately. The procedure has become much easier with the advent of electronic programs that can perform all calculations in an automatic manner.
Calculation of the accumulative pension part
The cumulative part is not taken just like that. In fact, it is provided throughout life by the people themselves. To date, it is customary to distinguish between three ways of paying the funded part: a one-time system, urgent (as a rule, when a specific request is submitted) and the funded part (which is paid by the state for life after reaching retirement age). Each payment is made exclusively individually and may have some nuances. The question of exactly which shortcomings the system has is considered in each case separately.
Amendment of material size payable as a pension
At the beginning of 2015, the government was asked about how appropriate it is to carry out the process of accumulating pensions for those under the age of 1967. However, it is worthwhile to understand that those people who have decided that it is more profitable to transfer their own pension to non-governmental organizations have already managed to form a funded system. Persons who have not submitted any application do not automatically participate in the funded pension process.
As a rule, any part of the pension payment can be adjusted in accordance with changes in the social or economic sphere of life. Most often, it occurs in August of each year, where the calculation is made and the part that has not been entered before is calculated. In the event that the state Pension Fund has decided to adjust the payment amount in an individual case, then the person receives the missing amount after a couple of months from the date of application.
The decision to cancel indexation for the working category of pensioners
In 2016, on the initiative of the Ministry of Labor, a decision was made not to index payments for those who have already reached retirement age, but at the same time continue to work. In addition, this law is valid until 2019. A similar situation was formed on the basis that wage earners do not so urgently need indexation, because they have an additional source of income.
In addition, the law on pension payments to working pensioners provides:
- Compensation after graduation.
- An increase in the fixed payment amount if the person is the guardian or parent of the sick child.
- Payout increase after reaching eighty years.
- Recalculation in the event of disability or additional work experience, which was not considered previously.
It is a mistake to think that with the adoption of the new law, the payment of pensions to working retirees is stopped. Only its indexing is canceled. And under certain conditions, recalculation is also possible.
Pension after dismissal
At the beginning of 2016, the Pension Fund was supposed to record the fact that a person, after a certain age, continues to work. Additional information about the work must be provided without fail by a pensioner. In the event that for some reason a person decides that he has the right to increase the pension, you can apply individually and submit an application for review and recount of the amount available.
In addition, if a pensioner quits and no longer plans to work, then he must also submit this information to the pension department at his place of residence, since without it automatic indexation will not start. As a rule, indexation always contributes to an increase in pension benefits. The necessary recalculations are formed at the end of the quarter. When establishing the fact of a person’s work after reaching a certain age, an indexation deduction is not provided.
Will pensions for working pensioners be canceled?
In connection with the latest changes in this area, this issue is of concern to many. The bill on the payment of pensions to working retirees provided only for the abolition of indexation. The issuance of cash benefits in connection with the return in the near future will not be canceled. Although the Ministry of Labor offered new pension payments to working retirees, according to which people who had the right to receive it could be adjusted for the fact that their basic income does not exceed 1 million rubles a year. But such a proposal received 76% of negative votes when considered in public discussion. Therefore, the bill on the features of the payment of pensions to working pensioners has not been adopted.
Conclusion
For 2017, the payment of pensions to working pensioners remains on a par with people who have already refused to perform work duties. The only difference is the cessation of indexing. But according to the Government, as soon as a person decides to end his activities, he will be entitled to compensation.