The Russian government has prepared and approved changes to the law on pensions, which should come into force in 2016. First of all, we will talk about the rules and procedures that determine the size of pensions, and the criteria on which the size of pensions will depend.

The main determining factors influencing the amount of payments will be:

The duration of the transfer of cash proceeds to the insurance fund. The higher the insurance period, the higher the level of financial benefits.

Amount of salary - it is planned to deduct funds only from genuine income (bonuses and premiums not indicated in official statements are not taken into account when calculating the pension).

Age limit of citizens - the higher the work experience, the higher the amount of pension payments.

Personal coefficient, which is influenced by various factors: service in the Russian armed forces, being on parental leave, caring for elderly parents or other relatives.

Rules for calculating pensions

Pension payments are planned to be calculated according to the amended rules. They will consist of two parts: insurance and savings.

The cumulative part will be calculated by dividing the received amount by a specific time period, which is a statistical indicator approved by the law of the Russian Federation.

From 2016, the insurance portion will be calculated according to the fixed civil pensions. It should be especially noted that the duration of the insurance period must be more than 15 years.

The amount of pensions will be calculated in points determined by conventional units, this will make it possible to protect pension payments from devaluation associated with an increase in inflation. Therefore, even while on a well-deserved rest, a person can count on payment in accordance with temporary realities.

Does the reform apply to everyone?

It should be noted that the changes in the reform will not affect all categories of citizens. Payment rules will remain the same:

for persons over 80 years of age;

persons with group I disabilities;

citizens living in the Far North.

Innovations in Russian legislation on pensions affect only citizens who were employed in 2015. It is planned that pension payments for other persons will not be recalculated in full. In cases where, when recalculated using the new formula, the pension amount turns out to be less than the existing one, social payments will remain at the same level.

Please note that the new form of accrual will affect citizens with disabilities of groups II-III, as well as persons on pensions due to the loss of a breadwinner.

Unpleasant changes await citizens who continue to work when they reach retirement age. According to the new legislation, they will not be able to receive a pension and wages at the same time. However, they will have the opportunity to increase the size of their pension benefit due to experience points and an increase in the annual funded component. The state is taking these actions in order to interest citizens in continuing to work, without officially increasing the retirement age.

According to the latest information, already in 2016 there is a real possibility of raising the age limit. Despite this, the question of at what age Russian citizens will be able to retire has not yet been finally resolved. At this stage, the state does not have the necessary working capital to implement the new reform, so now it is classified as in short supply.

In order to avoid a sharp decline in the standard of living of older people, it is necessary for the implementation of the project to either increase the retirement age or increase taxes. The Ministry of Finance of the Russian Federation advocates making these changes. Deputy Minister Mr. Moiseev believes that the solution to the issue of import substitution will be jeopardized if the retirement age is not raised. He believes the government's anti-crisis plan could be derailed if skilled workers retire.

It would have been possible to compensate for the reform deficit by raising taxes, but President V.V. Putin said that he does not intend to do this when it comes to the raw materials part of the economy. It should be noted that politicians, together with financiers, came to the general conclusion that there is no other way out of the current situation. The only differences are in the timing. Economists propose starting reform as early as 2016. But politicians, led by the President, believe that it is too early to resort to serious reforms. Pensioners have only gotten a little taste of life, but all the changes will hit the most vulnerable segments of the population. The reform has not yet been finalized, follow the changes and stay up to date with all developments.

In 2019, a new stage of pension reform in Russia began, the retirement age was raised (to 60 and 65 years for women and men), new rules were introduced for calculating pension benefits, and the amount of pension payments was indexed. Any reforms worry a huge number of Russians, some of the residents of Russia, but the pension reform will affect almost the entire population. Let’s figure out what awaits pensioners and those who have yet to retire, what to prepare for, what to pay attention to.

Back in 2013, the President signed a law that approved a special system of guaranteed pension savings, but this law is only a small part of a whole package of government initiatives on pension reform. Delving deeper into the law, it becomes clear that a two-level system of guaranteeing the rights of insured citizens is being formed in the Russian Federation. In other words, the system consists of two components - compulsory pension provision + voluntary pension savings. How can these voluntary pension savings be formed? It was planned that the following sources would be used for these purposes: various non-state pension funds and contributions from the state Pension Fund. However, the Government decided to “freeze” the funded part of the pension in order to transfer it to the distribution system until 2021. In practice, it looks like this: the majority of Russian citizens had a funded part of their pension in the Pension Fund, on which interest was accrued, and since 2014 this mechanism has ceased to function.

The very concept of “labor pension” is gradually “erased” and remains a thing of the past, and today, instead of this term, “insurance pension” is used, and the size of the old-age insurance pension depends on how many points the pensioner “earned” during his work experience. Each year these pension points will be adjusted for inflation.

Another important point of the pension reform is the inclusion in the insurance period of a child care period of only up to 1.5 years, but in total no more than 6 years in total if a woman had several children.

How will pension reform affect working pensioners?

Since 1998, there has been no legislative framework establishing restrictions on receiving pension benefits for those pensioners who continue to work after crossing the retirement age mark and reaching a well-deserved pension. But the government considered that these “easing” lead to inefficient spending of the Pension Fund and additional expenses from the federal budget.

Since 2015, the government decided to introduce certain restrictions for working citizens receiving an old-age insurance pension, plus change the algorithm of the point system (which remained incomprehensible to many).

1. When a pensioner who works does not form the funded part of his future pension, then upon recalculation he will be able to receive a maximum number of points of no more than 3.
2. In the case of formation of the funded part of the pension, during recalculation the number of points will be no more than 1.875.

At a press conference at the Russian Investment Forum in Sochi in February 2019, the head of the Russian Pension Fund (PFR) Anton Drozdov told reporters that according to his data, more than half of Russians (56%) show a high level of pension literacy, but young people (under 40 years old) ) shows an extremely low understanding of the principles and mechanisms for calculating pension points.

Just over half of Russians (56%) show a high level of pension literacy. This was announced by the head of the Russian Pension Fund (PFR), Anton Drozdov, at the Russian Investment Forum in Sochi. Therefore, the head of the Pension Fund proposes to introduce into the school course the study of aspects of the pension system in Russia: “We would like to see an element of pension insurance introduced into all educational programs so that it is more clearly explained, this will increase interest in this product, and young people going into work will immediately ask the right questions.”

What are “pension points” and how does it work?

Since 2015, the reform of the Russian pension system has introduced an old-age insurance pension, which is formed using points (individual pension coefficients) that are awarded to the future pensioner for each year of his (official) working activity. The calculation of the number of pension points per year is based on the insurance contributions that the employer officially pays for its employee for compulsory pension insurance.

The pension point evaluates each calendar year of a citizen’s work activity, taking into account the annual deductions of insurance contributions to the Pension Fund. The annual pension coefficient is equal to the ratio of the amount of insurance contributions paid by the employer for the formation of the insurance part of the pension at a rate of 16%, to the amount of insurance contributions from the maximum contributory salary paid by the employer at a rate of 16%, multiplied by 10.

The number of points per year is limited. For example, at the very beginning of the reform that introduced points, the maximum value of points in 2015 when insurance contributions were directed only to the formation of an insurance pension was 7.39.

Non-insurance periods are also involved in the calculation and formation of a future pension, that is, the time when a person was forced not to work - for each such non-insurance year a certain number of pension points are awarded:

• period of military service under conscription – 1.8 points;
• periods of one parent caring for children until they reach the age of one and a half years, but not more than 6 years in total: for the first child - 1.8 points, for the second - 3.6, for the third or fourth - 5.4;
• the period of care provided by an able-bodied citizen for a group I disabled person, a disabled child or a person who has reached the age of 80 – 1.8 points;
• the period of residence of spouses of military personnel serving under contract with their spouses in areas where they could not work due to lack of employment opportunities, but not more than 5 years in total - 1.8 points;
• period of residence abroad of spouses of diplomats, consuls, employees of representative offices of the executive bodies of the Russian Federation, employees of trade missions and government agencies of the Russian Federation located abroad, and employees of some international organizations (the list of which is approved by the government of the Russian Federation), but not more than 5 years in total - 1 ,8 points.

If a citizen worked with the deduction of insurance contributions in one of these periods, then when assigning him an old-age insurance pension, he will have the right to choose which points to use when calculating it: for the period of work or for the non-insurance period.

Important! Any non-working citizen can voluntarily pay insurance contributions to the Pension Fund for himself, or such contributions can be paid for him by any other person (not necessarily a relative or spouse). This rule was introduced by the pension reform so that citizens who do not have official employment, but have financial resources, can ensure their right to an old-age insurance pension. However, you can “purchase” only half of the insurance period required to assign an old-age insurance pension.

The main disadvantages of the 2019 pension reform:

• Raising the retirement age to 60 for women and 65 for men.
• The most complex formula for calculating a pension, practically incomprehensible even at the initial stages to the average person.
• Freezing the funded part of the pension.

In general, pension reform in Russia is met with negative assessments in society; people do not fully understand the meaning and goals of reforming the pension system; the increase in the retirement age also causes dissatisfaction, although this is a global practice. One can note the unsatisfactory work of the press service and the leadership of the Pension Fund in explaining to the population the principles and goals of pension reform.

Summing up, it can be noted that the pension system is being reformed not because of a good life, but for a number of reasons, this is the demographic failure of the 90s, this is the increase in the ratio of the number of workers (and paying pension contributions) to the number of pensioners. The essence of pension reform today is that in order to receive a decent pension you will have to work for a long time and with high official pension contributions. If, when applying for a job, you are offered a salary in an envelope, or a part-time job (to avoid taxes and pension contributions in full), you should find a more honest employer. Only a white salary, and you need to check whether your employer makes contributions to the pension fund regularly! To do this, you can use your personal account on the official website of the Pension Fund, or your personal account on the State Services website.

Created in ancient times, it undergoes various changes. The Government of the Russian Federation is trying to introduce newfangled changes that will have a positive impact on the material security of our pensioners. Are there any plans for changes to pension legislation from 2016 in Russia? Which categories of people of retirement age will they primarily affect?

As of today, there are already planned tasks that will have to be implemented in real life from the beginning of next year. All relevant changes regarding pension payments will come into force on January 1, 2016. The main changes concern the payment of social benefits and the accrual of entitlements to pensioners.

What will the 2016 pension depend on?

The government of our country has approved the basis on which pension payments will be calculated for every person who has reached retirement age. The main fundamentals and changes lie in the following factors:

• cash accruals from the social insurance fund. From the future, the amount of material contributions is the main component of cash accruals; the more money transferred to the insurance fund, the larger amounts the pensioner can count on;
• getting a real payment. A novelty of the period is that all relevant contributions to the pension fund from now on will be made only from the white official salary. That is, the corresponding accruals will not include funds that are not documented in official documents. The same “non-deductions” include bonuses, cash rewards, bonuses and other types of material support for the employee that were not included in the official document;
• age work experience. As in previous times, greater work experience provides greater cash accruals. For each subsequent year, if the pensioner continues to work, a certain amount will be added, calculated depending on the established coefficient;
• accrual of additional material resources depending on the additionally available coefficient. These changes in pension legislation will come into force in 2016; they concern, first of all, employees who are entitled to receive a personal coefficient. Personal coefficient accruals include the following types: service in the armed forces, periods of leave to care for a child or several children, caring for disabled relatives or the elderly. Of course, all of the above categories applying for a personal coefficient must be officially registered.

Changed calculation of social benefits

Next year, all pension material accruals will be calculated according to updated rules. The total amount of the pension will include the amounts of the insurance and funded parts of pension contributions.

It is calculated as follows: the entire accumulated amount for a certain day is divided by the amount of time approved by federal legislation as a statistical indicator.

But the insured amount is calculated depending on the amounts of money deferred by citizens for the entire time allowed for compiling the insured amount.

The pension reform in 2016 has several important aspects:

• When calculating the insurance amount, a citizen must have at least 15 years of work experience.
• Pension accruals will be based on points, which will change due to rising inflation. It is planned that the pensioner will not feel the depreciation of social benefits, since they will gradually increase in their total amounts.
• The Government of the Russian Federation has determined that every pensioner can be sure that all the money they have ever put aside will gradually grow; accordingly, a person who has reached retirement age can count on more or less decent money.

It is important to note that not all categories of people of retirement age will be affected by changes in legislation. Who will not be affected by the pension reform?

All new items and changes in the pension reform will affect citizens who were employed in 2015. People who have worked before 2015 will also follow the new pension reform, but it will not affect them completely, but partially. It may happen that with the new formulas the amount of social charges will be slightly less than what exists in current years. But pensioners should not worry about this; there will be no downward changes in monetary amounts.

The manager of the PFR branch in the Belgorod region, Dmitry Khudaev, spoke about how the size of the pension will change in 2016, why working pensioners will not need to go to the Pension Fund and submit applications for indexation of the insurance pension, and how maternity capital will help parents raising disabled children.

In 2016, several changes appeared in pension legislation that affect all participants in the compulsory pension insurance system - current and future pensioners, mothers and employers.

Will the pension increase in 2016?

Yes, in 2016, insurance pensions and state pensions will be indexed by four percent. The monthly cash payment (MCB) and the set of social services will also be indexed - by seven percent (for comparison: in 2015 they were increased by five percent). It is possible that a second indexation will be carried out in the second half of the year, but a decision on this will be made after assessing the financial capabilities of the state.

Will indexation affect all pensioners?

Insurance pensions will be indexed only for non-working pensioners. The pension will be automatically recalculated for those who did not work before September 30, 2015. If a citizen worked and quit after October 1, he will need to apply to the Pension Fund of the Russian Federation to recalculate his pension. Moreover, the increase will not be taken away, even if after indexation he gets a job again.

Have the conditions for granting a pension changed?

To qualify for an insurance pension in 2016, you will need to have at least seven years of experience and nine pension points ( Pension points are accrued for each year of work, for non-insurance periods (military service on conscription, parental leave, etc.) and for delayed retirement - approx. ed.).

The retirement age remained unchanged - 55 years for women and 60 years for men (certain categories of citizens have the right to receive a pension early).

To assign the maximum pension amount, it is recommended to contact the Pension Fund one month before retirement age.

Should employers expect any changes in 2016?

For employers, from the second quarter of 2016, additional monthly simplified reporting will be introduced for working pensioners. This should save employees from going to the Pension Fund and filing an application for indexation of their insurance pension. The Pension Fund will receive this information immediately from employers. If they give incorrect information, they will have to pay a fine of 500 rubles for each insured person.

They say that a moratorium on pension savings and a “freeze” of pensions are one and the same thing. Is it so?

No, that's not true. On January 1, 2016, a law came into force that extended the moratorium on the formation of pension savings. We must understand that this is not a “freezing of pensions” or a “withdrawal of pension savings.”

Russia has a mixed pension system. Most of the citizens' insurance premiums go to pay pensions to current pensioners. The insurance contribution rate for compulsory pension insurance is 22 percent, and previously six percent of this went to form the funded part of the pension. Now these funds will be used to create an insurance pension. So, in any case, all insurance premiums that the employer pays for his employee will go towards the formation of his future pension.

Have the rules for payment of maternity capital changed?

The maternity capital payment program has been extended for two years. They can be used by those who give birth to or adopt a child before December 31, 2018. At the same time, there is no time limit for obtaining a certificate and disposing of its funds.

Previously, maternity capital could be spent on improving living conditions, children’s education, or the funded part of the mother’s pension. Since 2016, this list has increased by one point. Now the money can be used to purchase goods and pay for services for the social adaptation and integration of disabled children into society. It is worth noting that in this case, you can use maternity capital funds at any time after the birth or adoption of a child. Acceptance of applications and supporting documents will begin immediately after the Government of the Russian Federation approves the list of goods and services, as well as the rules for allocating maternity capital funds for their purchase.

In 2016, many changes were made to the legislation regarding insurance contributions to the Pension Fund and pension payments. Here's a quick overview of these changes.

The insurance premium rate for compulsory pension insurance in 2016 remains the same – 22%. The maximum base for calculating insurance contributions to the Pension Fund has changed. Now the limit for contributions to the Pension Fund is 796 thousand rubles. In 2015, the maximum base for calculating pension contributions was 711 thousand rubles. (plus 10% above this amount). Salary amounts upon reaching the limit are subject to contributions at a rate of 10%. At the same time, the maximum base for contributions to the Federal Compulsory Medical Insurance Fund has been abolished; contributions for compulsory health insurance are paid at a general rate of 5.1%.

All rates of insurance contributions to the Pension Fund and the Federal Compulsory Medical Insurance Fund in 2016

As in 2015, if the number of employees exceeds 25 people, reporting must be submitted electronically. The reporting deadlines did not change in 2016: in paper form it must be submitted on February 15, May 16, August 15, November 15, and in electronic form - on February 20, May 20, August 22, November 21.

From the second quarter of 2016, additional monthly simplified reporting was introduced for employers. Employers will be required to provide information for each employee, which includes the employee’s full name, INN and SNILS. If you fail to submit monthly simplified reporting, the employer faces a fine of 500 rubles. for each employee for whom information has not been submitted.

In 2016, the minimum wage increased, which is 6,204 rubles. Accordingly, the size of the fixed payment for individual entrepreneurs has increased. In 2016, the fixed contribution will be 19,356.48 rubles. with income within 300 thousand rubles. per year plus 1% of the amount over 300 thousand rubles, but not more than 154,851.84 rubles.

Let us remind you that since 2015, payment of insurance premiums is made without rounding - in rubles and kopecks.

In 2016, some BCCs for payment of contributions changed. For the purpose of separate accounting of insurance premiums, changes have been made to the codes of subtypes of budget income for KBK, used for the payment of insurance premiums in a fixed amount, calculated from the amount of income of the payer, not exceeding the maximum amount of income and calculated from the amount of income received in excess of the maximum amount (1%) . New BCCs have been introduced for the payment of insurance premiums for compulsory health insurance in a fixed amount. In addition, the codes of subtypes of KBK income have been changed to separately account for penalties and interest on the corresponding payment. All BCCs for the payment of pension contributions can be viewed in the table.

About pensions

Insurance pensions will be indexed only for non-working pensioners. Pensions for this category of pensioners will be increased by 4%. Working pensioners will receive pensions without indexation. Let us remind you that the indexation of insurance pensions will apply to citizens who retired before September 30, 2015. Those who became pensioners after this date will have to notify the Pension Fund of their status as a non-working pensioner. If a pensioner belonged to the category of self-employed population, he will be considered working if he was registered with the Pension Fund as an insurer as of December 31, 2015.

Also, state pension benefits will be indexed by 4%. This type of pension is indexed by 4% regardless of whether the citizen receiving the pension works or not (from April 1, 2016).

The size of the fixed payment after indexation will be 4558.93 rubles. per month, the cost of a pension point is 74.27 rubles. To obtain the right to an insurance pension in 2016, you must have at least 7 years of experience and 9 pension points. The expected pension payment period when calculating the funded pension in 2016 is 234 months.

The average annual old-age insurance pension in 2016 will be 13,132 rubles, social pension – 8,562 rubles. All non-working pensioners will receive a social supplement to their pension up to the level of the pensioner’s subsistence level in their region of residence.

About pension savings

The moratorium on the formation of pension savings has been extended for 2016. 6% of the funded pension will be used to form an insurance pension.

About maternity capital

The maternity capital program has been extended for two years, that is, a child must be born before December 31, 2018 to receive a maternity capital certificate. From 2016, maternity capital funds can be used, among other things, to purchase goods and pay for services for the social adaptation of disabled children.

Those who did not receive a one-time payment of 20 thousand rubles. from maternity capital funds, they will be able to do this in 2016. The amount of maternity capital is not indexed. Like last year, it is 453,026 rubles.