According to the current legislation, the size of the old-age pension in Russia is calculated depending on the labor contribution that was made by a particular person. In other words, the calculation of monthly benefits is based on how long the work lasted and what the salary was. Upon reaching the age specified in the laws, one should contact the PF bodies, where specialists will determine the amount of social payments based on the length of service and average earnings indicators.
What does pension depend on?
After the retirement age, the issue of providing citizens passes to the shoulders of the state. In most cases, this amount is the only real source of income that provides a means of subsistence. Therefore, for each person, any information relevant to the size of the minimum and maximum pension in Russia is relevant. Moreover, in modern reality, it acquires special acuteness.
Back in 2015, a number of significant changes were made to the Russian pension legislation . To date, obtaining a pension is permissible for people aged 55 and 60 years, for women and men, respectively.
No one can say in advance what the size of the pension will be. It consists of many components, including:
- the age when the pension is being processed;
- available deductions from wages made to the pension fund;
- the salary of a particular person at each stage of his work;
- the total length of the work experience of a citizen.
As an approximate guideline, one can take the average size of pensions in Russia along with the size of the minimum payments by region.
In some cases, early retirement is provided. We are talking about disability benefits, loss of breadwinner, participation in the Second World War, etc. For these situations, additional correction factors have been developed that cover various aspects, including the territorial affiliation of the subject of the federation. The size of the minimum pension in the regions of Russia partially depends on their location. Thus, the average pension in the north is higher than in the south.
A few years ago, pension legislation was amended. Their feature is as follows: now the citizen’s age is not taken into account when calculating the size of his pension.
Initially, this decision was aimed at saving PF resources and the size of social pensions in Russia. But it was this supplement that opened up the opportunity for citizens to secure additional income. To obtain it, it is enough to continue working even after reaching the so-called retirement age.
That is, if a woman or a man reaches the age of 55 or 60 years, respectively, and does not apply for a pension, this gives her or him the right to receive a substantial allowance to the main amount. In turn, this also increases the average pension in Russia. Moreover, the allowance will increase: the longer an old-age pensioner will continue to work without receiving social benefits, the higher will be the coefficient of the final calculation.
This measure is an incentive to continue working even when a citizen has already reached a certain age limit. This is beneficial to both parties. A person who does not stop working gets a chance to have a higher pension in the future.
Who gets the biggest payouts?
Many people are interested in how much the maximum insurance pension in Russia is, and who receives it. This prerogative extends to persons belonging to the category of “personal pensioners”.
According to statistics, the largest amount of benefits to date is recorded by former employees of the administrative apparatus of the Russian Federation. Moreover, a separate procedure for calculating pensions is legislatively provided for them. It differs significantly from the established payment procedure for ordinary citizens.
Benefits, the amount of which significantly exceeds the average, were recorded for employees of the largest commercial companies in the country, which belong to one of the categories of “personal pensioners”. The secret of large sums is simple: the calculation is made on the basis of a social pension in Russia in conjunction with deductions from the citizen’s wages that he made throughout his career.
Moreover, the exact amount of payments for people of these categories is unknown to anyone, since these figures constitute a state secret. A separate procedure for calculating pensions is provided for persons from departmental circles. They receive appropriate payments from government agencies:
- FSK;
- FSIN;
- Ministry of Internal Affairs;
- Ministry of Emergencies;
- Ministry of Defence.
According to the averaged data, their pension is twice the size of the average payments accepted in the region for ordinary pensioners.
Another category of people who are entitled to the maximum old-age pension in Russia are people who were once test pilots, judges, including the military, and many others. The average amount of payments for them is about 100,000 rubles. Such a pension is credited immediately upon completion of employment. The same applies to officials who worked in municipal offices, prosecutors and deputies.
Persons with disabilities with significant work experience also rely on an increased pension. Nevertheless, all of these categories of citizens constitute a minority. The bulk are ordinary people who receive average benefits in accordance with the length of their seniority and the amount of deductions made over the period of their labor activity.
What is the average payout?
In answering the question, what is the maximum old-age pension in Russia today, one should take into account the fact that payments differ significantly by region. According to the data from the pension fund, on average, citizens in the country receive about 9,227 rubles (data for 2016). Statistics show that this is about 40% of the average income of able-bodied citizens.
At the same time, social pension in practice is even less than the payment of old age. She is a little over 7000 rubles.
Separately allocated citizens who are entitled to a pension due to disability. The size of their payments ranges from 11000-14500 rubles. In many respects, it depends on the reason and under what circumstances a person received injuries that impede further employment.
Features of social security for pensioners
Specialists pay special attention to the system of pension provision for citizens that operated on the territory of Russia in the Soviet years. Most experts consider it the best. Not surprisingly, over the following years, the state strove to maintain a similar social policy.
Nevertheless, statistics show that over time, the size of the pension in the regions of Russia is still growing. Moreover, this increase is faster than the growth rate of the value of the consumer basket, combined with inflation in the country. In many respects, a sufficient level of pension support is supported by the state indexation of payments, which is traditionally carried out twice a year.
Estimated Retirement Calculator
Over the past four years, a special application, the so-called retirement calculator, has been operating on the RF PF website. This is a simple program that allows everyone to pre-calculate what kind of pension they will be entitled to. If you wish, you can make a forecast of future amounts, taking into account certain significant factors.
The main parameters requested by the system are the amount of official income and length of service, as well as military service or its absence, etc. The peculiarity of the calculator is that it determines the total amount for immediate retirement, based on the data entered by the user.
Specialists pay special attention of citizens to the peculiarity of the system. During preliminary estimates, it slightly reduces the amount of due payments during preliminary estimates. That is, the real amount will be a little more. How much exactly will determine the current pension coefficient, which is set on the basis of the demographic and economic situation, and some other factors of development of the state and the region. This is definitely worth remembering when calculating the expected retirement benefits on the site.
Provided Additional Payments
In practice, the maximum pension in Russia can be obtained not only by the basic parameters of its calculation. The total amount may significantly increase the additional payments provided by the state.
Due to the fact that many people when they reach retirement age actually lose the opportunity to work, they are classified as socially unprotected citizens. Usually they are not covered by the maximum pensions in Russia.
It is for this reason that a number of allowances and benefits have been legally established that will allow for a formal increase in pensions. Benefits and benefits relate to the following areas of life in modern society:
- Health protection. Pensioners, thanks to existing health insurance, receive free medical care, a number of medicines have a 50% discount for them.
- Taxation. All pensioners do not pay property tax. In addition, nothing is deducted from their pension, unlike working citizens.
- Housing and communal services. A number of compensations have been developed in this area. In particular, poor citizens can claim compensation for utility bills or a subsidy for these purposes.
- Transport. In each region there are certain benefits that allow you to minimize the cost of travel in transport.
In other words, even taking into account the fact that the bulk of citizens do not receive payments close to the size of maximum pensions in Russia, they can enjoy state support. This partially compensates for the small amount of payments.
How to apply for a pension?
The maximum or minimum pension payments are calculated by the relevant authorities only after the submission of the necessary documents. The allowance is paid from the funds of a special insurance fund, to which employers make monthly contributions for their employees throughout the entire period of their work.
Most often, people apply for old age benefits.
To receive funds due, the following conditions must be met:
- Sufficient working experience. For 2017, it is 8 years, but there is already a program for its gradual increase - by 2025 the minimum will need to work 15 years.
- Age. The usual age for applying for an old-age pension is 55 or 60 years for women and men, respectively. In rare cases, exceptions apply to certain categories of citizens. If public servants will receive a pension later than ordinary people, then, if there are special reasons, payments can be made ahead of schedule.
- Pension coefficients. Current legislation also provides for a gradual increase in these coefficients as the minimum retirement period increases.
Changes in pension legislation
The year 2016 was remembered by numerous innovations in the pension sector. Experts argue that not all of the foreseen changes are positive.
The main advantages are that they will not increase the retirement age, contrary to rumors widespread among the people. All those who at the time of the entry into force of the changes have already issued a pension, are not subject to innovation.
As part of this reform, a system of pension points and additional coefficients was introduced. The minimum retirement experience has also grown.
It is not yet clear which of the innovations are positive and which will affect the system negatively. This will become clear after a few years or more.
Pensions this year
In order to apply for a pension in 2017, a person must have at least 11.4 pension points in conjunction with an 8-year work experience. The minimum payment is similar to the cost of living and is slightly less than 9000 rubles.
If a person continues to work already in retirement age, every year he accumulates about three points.
conclusions
Thus, applying for a pension in the Russian Federation has a number of features:
- the average payout is 13,600 rubles;
- to receive an insurance pension, subject to a sufficient age, pension points and a certain length of service are required;
- To make a payment, you must apply to the Pension Fund;
- the individual calculation of the pension amount is based on the part fixed by the state in conjunction with the points collected by the person.