Pension is currently a good social assistance from the state, so many of the elderly are so happy about it. Indeed, at their advanced age it is almost impossible to work and work for the state. Therefore, all sizes of pensions and their types, which a pensioner can receive in turn, were invented and calculated.
What affects the calculation of pension benefits?
If a person has no seniority at all, then upon reaching a certain age he will receive a minimum amount of an old-age pension. If a person still has a working record , he will ask himself the question: "What size pension can I still apply for, and what does this size depend on?"
What types of pension payments exist in Russia?
To begin with, a pension can be paid not only after a man reaches 60 years old, a woman 55 years old. There are several types of payments:
- A labor pension, as mentioned above, is paid for seniority upon reaching a certain age.
- Disability pension. The minimum amount of disability pension will largely depend on the group.
- Pension related to the loss of a breadwinner. It is assigned to citizens who were previously dependent on the now deceased.
- Pension, which is assigned to citizens who do not have seniority.
- Pension granted for certain categories of citizens - military personnel, civil servants, astronauts affected by radiation, etc.
Pension amount in Russia at present
So, what is the minimum pension in Russia today? First of all, it depends on the subsistence level in the region or region where the pensioner lives and is registered at the place of residence.
In many ways, the advantages of large cities, the capital and its region. The size of the minimum pension in Moscow will largely depend on the standard of living, prices and policies of the city, as well as the country. It should be noted that the size of the pension in this situation will be much higher than the amount paid in smaller cities or in areas located far from the capital.
The size of pension payments may not always suit a person
By and large, the size of the minimum pension does not always suit people. Due to the fact that there may be problems with work in the country, often a citizen simply cannot gain the necessary experience, which will affect the amount of his pension paid by the state when he reaches a certain age.
But no one can appeal the size of their pension because it has been calculated for too long. In addition, special financial analysts and Russian experts took part in this process. The size of the minimum pension cannot be changed just like that. However, this can be affected by a large number of factors that are involved in promoting the economy of the whole country as a whole.
In this connection, was this a similar situation?
One simple fact must be understood. Living in those cities where the population exceeds one million is much more expensive than living in small towns. That is why the cost of living in such areas is higher. Accordingly, product prices there are not small, not to mention the cost of travel and utilities. In those cities that are located far from the capital, prices for services and products are much lower. Based on this, we can say that the size of the minimum pension will be different.
When are social and ordinary co-payments possible?
However, there is a norm in the bill according to which a person can rely on social and ordinary supplements in a situation where the minimum pension is less than the subsistence minimum established by law. Supplement is paid in the amount that is enough to bring the pension payments to the required amount. The allocation of an additional amount of money comes from the federal budget.
Conditionally, pension payments are divided into two parts
Pension can conditionally be divided into two components. In addition to payments that are made upon reaching a certain age, a person is accrued money for seniority. Thus, the pension is divided into funded and insurance. In order to make calculations on the sum of the final pension payments, you must use a special software tool - a calculator. It was created specifically for such purposes.
Is it possible to increase pension payments?
There are some cases that can still affect the size of the minimum pension in Russia.
- If the received parts of the pension are indexed in relation to each other.
- If a pensioner has dependents.
- If upon reaching retirement age a person does not stop working. Thus, he increases not only that part of his pension, which is funded, but also insurance.
The minimum pension today
In order for a person to accrue the minimum amount of a labor pension, he will be required to have a continuous five-year work experience. As a result of this, all necessary tax calculations will be made, which will be transferred to the state account at the time of receipt of wages.
In the event that a person does not have a minimum length of service, a man, upon reaching the age of 65, will begin to receive a minimum social package. A woman will begin to receive a minimum pension from the moment she reaches 60 years of age.
Maximum pension
It is almost impossible to determine the maximum pension in advance. Its size will be affected by the length of service, as well as the type of activity of the person and his age at which pension payments will be accrued.
Naturally, everyone understands that in order to receive a large pension, they will need to work hard, work tirelessly. The experience that is recorded in the workbook should be large enough. Only in this case, pension payments will have a different, more tangible, size.
Instead of a conclusion
Now you know what the size of a pension in Russia depends on. Naturally, it is unlikely that anyone will argue that such aspects that affect the calculation of monetary funds are ill-conceived. If a person does not have work experience, then the state may not make appropriate payments. Therefore, summing up, we can say that everything is in your hands. Only you are able to influence the size of your future pension, and not someone else. If you want to ensure your old age, then it's time to think about it right now.