Old-age insurance pension - what is it, amount in 2020

Indexation is the protection of the population from inflation by increasing payments (pensions, benefits, salaries for public sector employees) by the percentage by which prices increased due to inflation.

In the Russian Federation, pension accruals for citizens consist of the following parts:

1. Basic (credited to all citizens: unemployed, homeless, everyone who has a passport is entitled to it).
2. Insurance (depends on contributions to the Pension Fund).
3. Cumulative (applies only to citizens born after 1967, depends on the results of investing contributions).

The size of the basic part of the pension increased twice in 2020 - in February and in April.

This article is about how much state assistance should increase for working and non-working pensioners, about the basic pension in 2020 in Russia and about the government’s further plans for increasing them.

To whom is the basic part of the pension accrued?

The basic (fixed) part of the pension is accrued to all citizens of the Russian Federation, regardless of their length of service. All citizens of the Russian Federation apply for it, including those who, for one reason or another, have never worked.

Fixed payments are calculated in accordance with the following parameters: Old age.

• Old age.
• Disability.
• Maintenance of a dependent.
• Having northern experience.
• Work in agriculture.
• Living in the regions of the far north.

The size of fixed accruals must constantly increase, as stated in Article 16 of the Law “On Insurance Pensions”. The main provisions are:

1. Fixed payments must increase annually. The amount of the increase must correspond to the percentage of inflation. Recalculation must occur no later than February 1. The percentage of inflation by which benefits should increase is taken for the previous calendar year.
2. On April 1, the State Duma may decide on a second increase. The decision must be made in accordance with the financial capabilities of the pension fund.

The basic pension in 2020 was fully indexed, unlike in 2020. Then the inflation rate reached almost 13%, and old-age payments increased only by 4%. In order to somehow compensate for the shortfall, a decision was made to provide one-time assistance in the amount of 5,000 rubles. According to the Pension Fund, all pensioners, including those who continue to work, received this money.

What parts does the pension consist of and how is it calculated?

Until 2020, old-age labor benefits were controlled by Law No. 173, according to which the required payments consisted of:

• the insurance part of the pension for people who have the appropriate length of service;
• savings share as additional assistance in individual cases.

The amount of the state benefit directly depends on the salary level of the future pensioner, the conditions on the basis of which his work was carried out and the age when the person submits the application. The employer should definitely make contributions to pensions in the amount of 22% of the total salary (excluding taxes): 6% goes to the solidarity account, 10% to the insurance account and 6% to the funded share.

The size of the basic part of the labor pension from February 1, 2020

From February 1, 2020, the basic old-age pension increased by the percentage of inflation (determined by Rosstat). According to official data, the cost of the consumer basket increased by 5.4%, which is the percentage of inflation. In April, it was decided to increase it by another 0.38. Thus, the amount of the basic labor pension in 2020 as of April 1 is 4,824.3 rubles.

If a person’s age exceeds 80 years, then the amount of the basic benefit for him increases by 100%. This year, pensioners over 80 receive 9,648.6 rubles.

The unpleasant point was that, in accordance with the state’s decision to suspend the indexation of accruals for working pensioners until 2020, the basic part of the pension in 2020 as of 01.04 for them remained the same.

True, the government accommodated the working people and, as of August 1 of this year, the fixed benefit for them increased. This was not traditional indexation, where the size of payments increases by a percentage of inflation. The increase depends on what contributions to the Pension Fund were received from the employing organization. The second criterion is the number of “Pension Points” that were earned by the pensioner during his well-deserved retirement.

But the state has established a certain limitation - the amount of the increase should not exceed the value of three “pension points”. In terms of rubles - only 222.

Pension reform

Until 2020, Russia had a labor pension, which consisted of an insurance and funded part. Now the very concept of “labor pension” has ceased to exist, in its place two independent types : insurance and funded pensions.

In addition, the years of a citizen’s working activity are now assessed by pension points (individual pension coefficients), into which insurance contributions paid to the Pension Fund have been transferred.

A number of socially significant periods, called non-insurance periods . This:

• Holiday to care for the child;
• military service by conscription;
• period of care for a citizen over 80 years old, etc.

For all these periods, pension points are also accrued, which will be taken into account when assigning pension benefits in the future.

Also, the calculation of insurance coverage is now carried out differently: a fixed payment (FB) , which, in fact, replaced the base part of the previous labor pension.

Fixed basic amount of the insurance part of the labor pension

Before changes in pension legislation in the Russian Federation, citizens were provided with a labor pension, which contained the basic amount of the insurance part of the security. Now an insurance pension is assigned, which contains a fixed payment.

Both the base amount and the fixed payment represent a certain set amount of money that is paid monthly along with insurance coverage. In other words, this is a kind of guarantee from the state. However, in essence they are the same thing. That is, a fixed payment to the insurance pension is the basic amount of the insurance part.

Basic part of disability and dependent support pension in 2020

In the Russian Federation, only disabled people of group I have the right to an increased pension. The Federal Law states that in case of disability of a non-working group, a citizen receives benefits with a 100% premium - that is, 2 times more than the minimum accrual.

Accordingly, if a person applying for pension payments has a Group I disability, then the basic disability pension for him in 2020 is 9,648.6 rubles.

If a pensioner supports a disabled dependent (grandson under 18, disabled child), then the fixed accruals for him increase.

About this - Part 3 of Article 17 of the Federal Law No. 400: “For persons who are dependent on disabled family members “…” an increase in the fixed payment to the old-age insurance pension and to the disability insurance pension is established in an amount equal to one third of the amount provided for in Part 1 Article 16 of this Federal Law, for each disabled family member, but not more than for three disabled family members.”

As of 04/01/2018, the basic part of the labor pension for persons supporting a dependent is 6,430.7 rubles.

Old-age insurance pension in 2020: size and latest changes"

The concept of an insurance pension

Material support on a regular basis provided to disabled citizens in order to replace their former income is called old-age insurance pension . It is established for persons with work experience. At the same time, the corresponding contributions to the Pension Fund of Russia (Pension Fund of Russia) must be calculated for it.

Legal regulation of insurance payments is carried out on the basis of Federal Law No. 400 dated December 28, 2013 (as amended on January 1, 2017) . According to the law, there are three types of financial benefits of this type:

1. Old age payment.
2. Disabled persons who have worked at least 1 working day.
3. Disabled citizens who have lost a breadwinner who had insurance contributions.

Material support for senior citizens in its current form has existed since 2013. Until this time it was called labor. There was also a different procedure for calculating the amount of benefits. Currently, the monthly payment amount consists of the following parameters:

• work experience;
• accumulated IPC (individual pension coefficient);
• established regional allowance.

A fixed payment is added to the benefit structure . It is subject to revision and is set by the government once per calendar period. The amount of the supplement depends on the type of pension. There is also an increased amount of payments provided to certain categories of the population (for example, citizens who have reached the age of 80).

The minimum benefit amount for 2020 is calculated at the subsistence level - 8,540 rubles . From 2020 it will increase to 8,703 rubles.

Insurance old-age pension in 2020. Conditions for assigning an old-age insurance pension

Depending on the type of expected payments, applicants are subject to criteria defined by law. If the applicant has the right to payments in several areas, the one with the largest amount is established.

Conditions for assigning an old-age insurance pension:

• availability of contributions to the Pension Fund;
• a certain age. For males - 60 years, for females - 55;
• having minimal experience;
• the presence of a certain number of IPCs. Another name is pension points.

The minimum work or insurance length of service for an old-age pension at the initial stage was six years. Each successive period this time interval increases by 12 months. The highest figure will be achieved by 2024 – 15 years . That is, if the applicant does not have the required length of service in a certain period, the right to a pension is lost.

The IPC in 2020 corresponds to 11.4 . In subsequent periods, this value increases by 2.4 each calendar period until it reaches 30. The number of points is determined taking into account the amount of contributions for the current period.

Civil servants have a different deadline for receiving payments. In 2020, civil servants who have reached 60.5 and 55.5 years of age have the right to apply for benefits. This age increases every year by six months until the maximum age limit is reached by 2032 for male citizens, and by 2026 for female citizens.

Old age pension for a disabled person . If, at the time of recognition of incapacity for work, a citizen has reached the required limit established for the insurance period and the IPC, he acquires the right to receive old-age payments for life. If these indicators are not met, insurance payments are provided until the age of 60 and 65 years (for women and men). After the specified period, such persons are automatically assigned a social pension .

Insurance old-age pension in 2020. Early retirement

The benefits in question can be provided until the specified age is reached. This opportunity exists for certain groups of citizens working in difficult conditions or in life-threatening enterprises.

Who is entitled to an early pension (indicated for men, in brackets for women):

*- – criteria are not established. 25 in rural areas - the period of work in rural areas for doctors of any gender.

In addition to the above professions, there are additional social criteria for granting early retirement

To obtain the opportunity under consideration, citizens raising children must raise each child for at least 8 years.

Insurance old-age pension in 2020. Fixed payment

The portion of the pension benefit in question is not included in its composition, but is established separately by government decree. Every year the size of this part is subject to increase depending on the state of inflation in the country.

The size of the value under consideration for 2020 in the general case is 4,805.11 rubles .

The basic portion is paid in an increased amount if the applicant meets the following criteria:

1. Reached 80 years old.
2. I decided to arrange maintenance at a later stage in life (for working people).
3. He has one or more disabled citizens dependent on him.
4. Lives in certain regions where the northern coefficient is established.

Table of increased fixed payments :

For citizens who have worked beyond the established retirement period, the fixed portion is increased by a coefficient determined by law. The number of months worked is taken into account:

If early retirement is established, other increasing factors are used.

Insurance old-age pension in 2020. Old age pension amount

The amount of the benefit issued is calculated according to the formula specified in Art. 15 Federal Law No. 400 dated December 28, 2013. According to the law, the following pension calculator is used when calculating:

RV = warhead + PV , where

РВ – calculated value;

BC – base part;

FV – fixed payment.

The basic part is determined by multiplying the number of accumulated pension points by their value in the year corresponding to registration.

Minimum old-age insurance pension since 2017 : 11.4 (number of points) * 78.28 (their cost) + 4,805.11 = 5,697.5 rubles.

Insurance old-age pension in 2020. Pension increase from January 1, 2020

In 2020, the annual indexation of insurance pensions will take place with some changes:

• the date of the procedure has been postponed to January 1;
• the increase coefficient will exceed inflation rates: 1.037 versus 1.03-1.032.

As a result of pension indexation from January 1, the cost of the fixed payment and the IPC will accordingly be:

• 4982.9 rubles;
• 81.49 rubles.

Indexation will still not affect working pensioners. According to government plans, the moratorium should last until 2019.

Insurance old-age pension in 2020. Procedure for applying for an old-age pension

Obtaining the right in question occurs at the Pension Fund of the Russian Federation at the place of residence of the applicant or at the MFC. The application can also be submitted via the Internet through the official website of the pension fund.

Upon presentation of demands, a statement is drawn up.

The following documents must be attached to the application:

• passport or other similar paper;
• work book or other documents indicating length of service;
• a certificate of earnings for 60 months of continuous work, if the applicant worked in the period before 2002;
• additional documents (for example, information about dependents).

The application is reviewed within 10 days . After this, a decision is made to grant a pension or to deny the right to it. Refusal to provide it may occur due to the application being submitted in an improper form or an incomplete package of documentation attached to it.

If satisfied, cash payments will begin from the day the application is submitted or the right to benefits actually arises.

Source

Basic part of the labor pension in 2020 for persons who worked in the Far North

Part 4 of Article 17 of Federal Law No. 400:

“For persons who have worked for at least 15 calendar years in the regions of the Far North and have an insurance record of at least 25 years for men or at least 20 years for women, an increase in the fixed payment to the old-age insurance pension and to the disability insurance pension is established in an amount equal to 50 percent of the amount of the established fixed payment to the corresponding insurance pension "..." For the specified persons who have reached the age of 80 years or are disabled people of group I and (or) who are dependent on disabled family members "..." increases in the fixed payment "..." are additionally increased by the amount equal to 50 percent of the amount of the corresponding increase in the fixed payment."

Accordingly, for people who worked in that area, the amount of the basic part of the pension in 2020 after indexation in April is equal to 7,236.45 rubles.

For persons working in regions equated to the Far North for at least 20 years, the benefit increases by 30%. For them, the basic size of the labor pension in 2020 is 6,271.5 rubles.

In 6 tbsp. This law also refers to pensioners who worked both in the regions of the Far North and in equivalent areas. Each year of work experience in a region equated to the Far North is counted as 9 months of work in the Far North.

When can I receive it?

Previously, there were only two requirements to receive the basic part of the pension - you had to reach the appropriate age and have five years of service or more. However, now the requirements have changed, since the basic pension has become part of the insurance.

There are now three of them. This:

1. Reaching the age limit. Currently, the standard age at which a citizen becomes entitled to pension payments is 60 years for men and 55 years for women. Some groups of workers have the right to start receiving pensions earlier - workers working in difficult or harmful conditions, in the North, and others.
2. The presence of a minimum insurance period - and the insurance period is not the same as the work experience; only the length of service for which insurance premiums were deducted is counted in it. In 2020, the minimum required experience is seven years, then it will increase every year - also by a year, until it reaches fifteen years.
3. The presence of a minimum individual pension coefficient - this indicator will depend on what contributions the citizen’s employer made. Thus, receiving “gray” wages bypassing taxes, a citizen risks being left without a pension, since he does not accumulate the required number of points. And the bar for points is constantly being raised: for 2020, the minimum is ten points. Each year, 2.4 points will be added to this until the bar rises to thirty.

The amount of the basic labor pension in 2020 for residents of the Far North

For such citizens, a special procedure for calculating the basic part of the labor pension in 2020 is provided. Each region has a coefficient by which state aid is increased.

“For persons living in the regions of the Far North and equivalent areas, an increase in the fixed payment to the insurance pension, “…” is established in an amount equal to the increase in the fixed payment to the insurance pension, increased by the corresponding regional coefficient established by the Government of the Russian Federation depending on the region (localities) of residence, for the entire period of residence of these persons in these areas (localities)" - part 9 of article 17 of Federal Law No. 400."

Part 10 of the same law states that if a pensioner moves to another northern region, then a recalculation is made in accordance with the coefficient of the region where the citizen moved. If you move outside the Far North, the coefficient is completely removed.

Fixed payment to the insurance pension

Since 2020, pensions in our country began to be calculated using new formulas. The entire pension system as a whole has undergone some changes. In connection with these changes, a new concept has appeared in pension legislation - “fixed payment to the insurance pension” , which is included in the provision of citizens and is paid in a fixed amount.

This payment is guaranteed to all pensioners who are assigned cash insurance. And these are the recipients of all three types:

• by old age;
• due to a citizen’s disability;
• in case of loss of a breadwinner.

The size of the fixed part directly depends on the category of recipients and on what region of our country they live. Certain conditions give a citizen the right to count on a higher size .

Moreover, this amount is subject to annual planned and repeated indexation, due to which, in turn, there is an increase in pension provision.

Labor basic pension in 2020 for agricultural workers

Workers in the fields and on farms also have the opportunity to receive an increase in benefits. If a citizen has a work experience in agriculture of 30 years or more, and still lives in a rural area, the fixed assistance increases by 25%.

Therefore, the basic labor pension in 2020 for agricultural workers is 6,030.3 rubles.

If the benefit is issued only in 2020, then the size of the basic part of the pension will be at least 4,824.3, and allowances will be calculated in accordance with the legislation of the Russian Federation. If you have a dependent, then the amount increases by a third; if you also have work experience in the Far North, then by 80%. The most important thing is to provide the Pension Fund with all the documents confirming your rights to an increase in the fixed benefit.