How to check the correctness of the calculation of the pension. Help with calculating your pension Where can you pre-calculate your pension?

Content

A pension is a payment made by the state to citizens who have reached old age. This type of compensation can be received by people with sufficient experience for this, and beneficiaries. For example, they can be received due to disability or loss of a breadwinner. After the reform, the state made changes to the calculation of these payments. Only the calculation of pensions for those born before 1967 remained the same.

How is your pension calculated today?

For citizens over 50 years old, the calculation of pensions for those born before 1967 is carried out in a special way. The amount consists of a mandatory fixed state part and an insurance part. The value will depend on the following factors:

1. the person's age;
2. number of years worked, profession;
3. on the amount of wages received.

The procedure for calculating pensions for those born before 1967 depends on the following factors:

1. Whether the person is a participant in the co-financing program. Financing is state support in the form of additional accruals to old-age benefits, allowing a citizen to increase personal contributions to his future funded share. Several parties can participate in co-financing: the citizen himself, the state (this is a voluntary matter and is carried out on the basis of an application), the employer (this is not necessary, but many enterprises consider this an additional motivation within the framework of the social package they provide)
2. Does the citizen make regular payments on account of the funded part of future compensation.

Legal Framework

The calculation of pensions for those born before 1967 is regulated by federal law 400-FZ of December 28, 2013. This law discusses aspects of calculating the insurance part. The following types of insurance pensions are provided: old-age insurance, disability insurance, occasional insurance. The federal law 173-FZ “On labor pensions” can also be attributed to the regulatory framework, in which you can also familiarize yourself with the aspects of pension payments.

General procedure for calculating pension payments

In order for a citizen to be able to count on receiving benefits for the insurance part, the future pensioner must meet the following conditions:

1. Men can claim compensation at the age of 60, women at the age of 55 (some categories of people may apply for old age compensation before this age).
2. Insurance experience must be at least 15 years.
3. Important individual coefficients by which you can calculate the IPC pension. For each period of seniority, a person is awarded a certain point (coefficient). Their sum must be at least 30.

If it is necessary to calculate the pension for those born before 1967, each condition must be considered separately. Old-age labor compensation is assigned to people who have reached the age: for men - 60 years, for women - 55 years. There are certain categories of citizens who can count on early exit, on a well-deserved rest. These include:

1. citizens who worked in certain conditions (harmful, etc.);
2. having certain specialties and positions;
3. having a certain work experience, labor or insurance.

These include:

• persons who worked in underground structures or in workshops with elevated temperatures, with particularly difficult working conditions;
• women who worked at high intensity or operated heavy machinery;
• railroad workers;
• geologists, prospectors;
• working sea and river vessels;
• miners;
• aviation industry workers;
• rescuers;
• teachers;
• physicians working with the public.

• mothers of many children with five children, or two or more;
• visually impaired or injured as a result of hostilities.

Early compensation includes a preferential type of pension, which can be received by the following groups of citizens:

1. If their activities were associated with heavy physical labor or work in adverse conditions.
2. If the work was carried out in the conditions of the Far North or in an area equated to the same.
3. If the working conditions included a certain deadline, after which, regardless of age, it was time to go on a well-deserved rest.

Individuals who raise children alone can count on the insurance share. If the sole breadwinner had a certain period of work, then the insurance share is also charged. To apply for any type of old-age benefit, you must confirm that the breadwinner is absent or deceased by providing a death certificate or a court decision declaring missing.

Seniority

The second condition for receiving insurance benefits is the length of service. These are periods of time during which a person made contributions to the Pension Fund. There are two types of insurance experience:

1. normal- this is a type of experience when deductions to the PF are made by citizens working under normal working conditions;
2. special- unlike the usual, this experience characterizes the type of work in special (for example, harmful or dangerous) conditions.

Work experience until January 1, 2002

The length of service until January 01, 2002 is calculated in calendar order according to the actual duration of each period. Personal storage papers will become confirmation of the fact of work, military service or the period of child care, and for calculating the insurance part. What should a person submit to the fund:

1. work book;
2. employment contracts;
3. salary certificates for five consecutive years of work until 01.01.2002;
4. military ID;
5. birth certificate of the child;
6. Marriage certificate.

Only if the fund has these documents, he can count on the timely appointment of a pension in the prescribed amount. To account for hours worked since 2002, an individual personal account with a permanent insurance number must be opened in the Pension Fund for each insured citizen. In it, civil servants are required to reflect:

• data on the periods of labor activity;
• information on wages up to 01.01.2002;
• amounts accrued and paid by the employer or personally insured person of insurance premiums.

Accounting for hours worked since 2002

Information about the periods of work and salary until 2002 in the Pension Fund is provided by the employer in 2003-2004. If during these periods a person did not work or the employer provided incomplete or inaccurate information, then the fund will not have the necessary information. If the insured person doubts that all the information has been provided, then you can always apply and provide the missing information about the length of service and salary until 2002. The following periods are taken into the length of service:

1. army, service in the police department;
2. service in the bodies and institutions of the criminal correctional system;
3. receiving social benefits for temporary disability (decree);
4. caring for a child up to 1.5 years;
5. registration for unemployment;
6. redirection of a civil servant for employment in another locality;
7. participation in public works;
8. exile or stay in prison or colony;
9. caring for a disabled person;
10. from the attainment of a citizen of 80 years.

What periods are included in the length of service

Based on the law, the minimum insurance period increases every month. In 2015 it was 6 years, in 2019 it will be 9 years, and in 2025 it will be 15 years. If, upon reaching old age, the minimum number of years has not been worked out, then the insurance compensation for old age will not be accrued. The insurance period is determined by entries in the work book showing the period of official employment of the employee.

If the employee’s work book is lost or some records are missing, then the following documents will confirm the experience:

1. employment contracts;
2. certificates issued to the employee at previous places of work;
3. extracts from orders (for example, orders for admission and dismissal);
4. personal accounts of the employee;
5. pay slips.

Since 2019, innovations have come into effect for calculating pensions for those born before 1967 using new formulas. By law, people who have worked for 35 years are eligible for additional pay. And for those who have worked (officially) for more than forty years (40 years for women, 45 for men), upon entering a well-deserved rest, the state will pay an even larger bonus.

The third condition for receiving insurance benefits is individual coefficients. This is the number of points earned for 12 months or those periods that are included in the length of service. These coefficients are calculated depending on the salary of a person, subject to his official employment. The higher the salary, the higher the rates. The main condition is that before entering a well-deserved rest, the coefficients should not be less than 30.

Based on the law "On Insurance Pensions", increasing requirements for the minimum pension coefficient have been established. If, from January 1, 2015, old-age insurance compensation is assigned if there is a coefficient of at least 6.6, then with a subsequent increase in the coefficient annually by 2.4 by 2025, its maximum amount will be 30.

All periods will be included in the length of service if they had labor activity lasting at least one working day, during which deductions to the Pension Fund took place. Coefficient increase scheme in the table:

Pension for those born before 1967

The Government of the Russian Federation in 2019 is actively pursuing pension reform. The calculation of the pension for those born before 1967 consists of three shares. This is:

1. base share;
2. Cumulative share;
3. insurance.

Basic part

Basic is a fixed compensation that every person who has reached old age receives, regardless of the length of service. Effective January 1, 2002, the final base rate was set at 450 rubles per month. This amount is due to all citizens who have reached old age and have a work experience of more than 5 years. Its size is affected by the age of the person.

Accumulative part of pension provision

This share is available only to those citizens who were born before 1967 and are members of the TSO. It is formed if in the period from 2002 to 2004. the employer paid monthly insurance premiums for the funded share of labor activity in the amount of 6% of wages. It is formed on a voluntary basis for participants in the Program for State Co-financing of Pensions and persons who directed funds from maternity (family) capital to. The total amount going to the funded share should not exceed 463,000 rubles per year.

On the basis of the federal decree, paragraph 11 of Art. 31 "On investing funds to finance the funded part of the labor payment in the Russian Federation", insured persons born before 1967, who entered into an agreement on compulsory pension insurance and applied for transfer to a non-state fund (NPF), submit an application for refusal to finance the funded part and direction for financing the insurance part in the amount of 6 percent of the individual part of the insurance premium rate.

Citizens can find out about their savings in the Pension Fund of the Russian Federation by writing an application in the prescribed form. State security payments, in accordance with paragraph 2 of Art. 217 of the Tax Code of the Russian Federation, are not subject to taxation, are not taken into account in the calculation of personal income tax, with the exception of payments if an individual has voluntary insurance of the funded part.

insurance pension

It includes the entire length of service accumulated by 2002, the amount of wages and a special coefficient. Let us analyze the methodology for calculating the insurance share, which should be calculated according to the following algorithm:

• SP \u003d PB * CB * PC1 + FV * PC2, where:
  • SP is the amount of funds calculated for the payment of an insurance payment;
  • PB - points accumulated over time;
  • Central bank - the price for 1 point established at the time of calculations;
  • PC1 and PC2 are increasing premium coefficients for entering a well-deserved rest at a later period;
  • PV - fixed amount

The procedure for applying for a pension

Learn about the procedure, how to apply for a pension, where to apply, and what papers are needed for this. It is recommended to start making payments in advance in order to have time to fully prepare the papers. With a full package, you must contact the authorized body for the calculation and payment of benefits. There is a step-by-step instruction for calculating the payment and submitting documents to the FIU. The full list of documents is given below.

Document submission deadlines

The second step is to submit documents to the Pension Fund of the Russian Federation. After the collection, at any time after reaching old age (for women, the age should be 55, for men - 60 years or more), you must contact the Pension Fund of your region to assign and calculate the amount of payments. Then the calculation of the payment for those born before 1967 starts from the date of submission of the application with a full set of documents.

Where to apply

If the Pension Fund requests the provision of additional information, then the specialist accepting the documents does not have the right to refuse to submit the application. The applicant must submit the missing information within 3 months. If the deadlines are met, then compensation will be accrued from the date of application. If the deadline is missed, then it will be necessary to submit the full package of documents again, and the date for applying for the purpose of payment has been changed. The application to the fund must be considered within 10 days from the date of submission of the full package of papers.

After calculating the payment, the moment of its receipt is important. If all the documents are executed correctly and submitted on time, the amount will be calculated and issued on the 10th day. If the pensioner submitted the details of a bank card or account, then the payment is made to it, on the 10th day, and there is no need to apply anywhere. When receiving money by mail, there may be delays of 1-3 days required for the processing of a new application by the postal service. If the amount is less than the subsistence level (it is 10-11 thousand rubles), contact the Pension Fund.

The last step applies to those citizens who, after taking a well-deserved rest, continue to work. For them there is a recalculation of payments. It is necessary to submit to the Pension Fund a certificate from the place of work on the accrued wages for the year and the insurance compensation paid, fill out and submit the appropriate application to the fund employee. It will be reviewed within 10 days. Each person chooses for himself whether to work or immediately after the onset of old age to go on a well-deserved rest.

What documents need to be provided

The first step is the preparation of documents. There is the following list of papers:

1. a passport for citizens of Russia or a residence permit for citizens of foreign countries;
2. all forms about study and education;
3. in the original and copies - a work book;
4. if necessary, certificates from the employer may be required;
5. insurance certificate (SNILS);
6. marriage certificate;
7. a certificate confirming the place of residence and the existing composition of the family;
8. copies of documents confirming the identity of dependents;
9. certificate of the average salary of the employee at the last place of work;
10. details of the banking institution that will deliver the payments;
11. application to the Pension Fund;
12. certificate of average monthly salary until 01.01.2002 for 60 consecutive months;
13. a certificate stating that no other type of payment has been assigned to the person.

How to calculate your pension

Each person who goes on a well-deserved rest can calculate the pension on his own, knowing the formulas and parameters for calculating it. It is possible to make an online calculation, there are also calculators. If you yourself cannot make the calculation, you can contact the Pension Fund to learn how to calculate or request information about future income.

General formula

The formula for the calculation will look like this:

• P \u003d FV + LF + MF, where
  • PV - fixed share (basic);
  • LF - cumulative share;
  • SC - insurance share.

The procedure for determining the insurance part

The fixed share is set by the state. Each citizen has his own savings share. Therefore, we need to know how the insurance share is calculated. There is a calculation principle for this:

• MF \u003d PC / T, where:
  • MF - insurance part;
  • PC - pension capital;
  • T is the estimated time that compensation will be paid, measured in months

From this formula, we do not know the value of the pension capital, which must be calculated in a new way. The capital is made up of the values ​​of conditional pension capital (CPC) and estimated payment (RP). Calculated according to the formula:

• RP \u003d SK * ZR / ZP * SZP, where:
  • SC is the coefficient for the worked experience. It is equal to 0.55 (for men, whose experience is 25 years, for women - experience of 20 years). For each year worked in excess of the length of service, 0.01 is charged, although this indicator should not be more than 0.75.
  • ZR / ZP is the ratio of wages to the average earnings in the country. Its level should not be more than 1.2.
  • SZP - the average wage is calculated by the Pension Fund in the amount of 1671 rubles.

After calculating the estimated payment, you can find out the amount of conditional capital:

• CPC \u003d RP - BC / T, where RP is the estimated compensation, BC is the base part, T is the estimated time of payment, measured in months.

To calculate the insurance part, we only need to know the value of PC1, which can only be found in the Pension Fund of the Russian Federation (PFR). When you know all the data, you can calculate the insurance share, and as a result, calculate what benefits you can count on when you go on a well-deserved rest. Every year the state raises pensions. This is affected by indexation and inflation. Indexation is an increase in the amount of payments that is made annually.

Calculation example

Citizen Sidorov Ivan Sergeevich, born in 1956, can retire in 2016. The work experience of a citizen is 29 years. His monthly salary was 1700 rubles. It is necessary to consider step by step the calculation of the pension:

1. First you need to calculate the coefficient of experience. For 25 years of experience, the coefficient is 0.55, for each subsequent year there is an increase of 0.01. The final rate of a citizen will be 0.59 points.
2. Divide the salary by the average salary, i.e. 1700:1671 = 1.02.
3. Substitute these figures into the formula (see above) and find the pension capital ratio: 1.02 x 1671 x 0.60 - 450 (fixed payment in 2002) x 228 (approximate number of months of compensation) = 130564.66. This is how the capital for 2002 is calculated.
4. Every year the government indexes pensions, because of this it is necessary to multiply the resulting number by the total coefficient: 130564.66 x 5.6148 \u003d 733094.45 - this is the amount of Ivan Sergeevich's pension capital by 2019.
5. A small allowance is made for the post-Soviet period of work from 1991 to 2002, it is equal to 0.1 of the amount of capital and amounts to 73309.45.
6. To all these allowances, you must add the amount of compensation collected on your personal account, which the employer has paid since 2002. According to the Pension Fund, they amount to 856,342.10 rubles. Calculation principle: add up all these numbers: 733094.45 + 73309.45 + 856342.10 = 1662746.00.
7. Divide the amount received by the approximate period of benefit payment, so you will determine the benefit (228 months): 1662746.00: 228 = 7292.75.
8. Multiply the individual pension coefficient (for contributions it was 106.393) and the value of the point (in 2019 it is 78.28). You will receive an additional insurance part: 8328.44 rubles.
9. Add the basic fixed payment to the insurance part, the minimum amount of which is currently 4805.11 rubles. You will receive the final payment, the amount of which is (8328.44 + 4805.110) = 13133.55 rubles.

Anonymous 277

3 days Reply

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Anonymous 915

33 years of experience, salary 35000r

3 days Reply

Good afternoon! I wanted to know if there is a fin-econ. examination on the calculation of pensions, or how to check the validity of the calculation of pensions ??? and where? If nothing is achieved from the PF, the calculations do not give, and even after filing an application with the court, the case "tramples" in one place))) The judge suggests making his own calculation and presenting the PF .... and where can it be done ???

Hello, in fact, you can contact a lawyer who specializes in pension law, he will make an independent calculation for you, which you can submit to the court. Otherwise, the court will refuse the requirements for recalculation, since it simply does not have anything to rely on, because, as I understand it, you did not submit your calculations. It is not clear what "do not give" means, file a petition in court to demand documents from the defendant. You need to present an independent calculation no longer in the Pension Fund of the Russian Federation, but in court. The judge will not make a calculation, and she should not do this, you should have attached evidence to the application substantiating the requirements for recalculation, otherwise the claim will simply be left without movement, and the Pension Fund of the Russian Federation must provide its calculation to confirm its position. The defendant must also submit the materials of the pension case to the court, and you can familiarize yourself with it. You could have done this earlier by writing a corresponding application to the Pension Fund of the Russian Federation, you were obliged to appoint a day and a place for familiarization, you can take pictures, so that later at home in a calm atmosphere you can familiarize yourself with it. Regarding the calculation, you should call the expert organizations in your city and find out which of them makes such a calculation. I will not name you the organizations, but they can be found, including in the search engine. All the best.

Reply date: 19-05-2016 22:25

Thank you very much for your reply. I clarify that the defendant does not provide the materials of the pension case, although we demanded them in the statement of claim, the judge says go to the PF and look at the case there, but in the PF they don’t give anything, they start to intimidate and be rude. Regarding photographing, in general, even out of the question can't, they're pennies. the case is not even given. At the moment, we have written a petition for the reclamation of some documents, we will submit it to the court, we'll see how they provide us. Anastasia Sergeevna You can’t advise a lawyer who specializes in pension law, I’m still worried about one question, could I reduce the seniority ratio from 75%, which was from 1995 to 69% from 2001, removing the years of study and processed harmfulness ??? Thank you.

Saint Petersburg and Leningrad region

Hello, what do you mean it doesn't provide. In writing a request, in duplicate, on the receipt note remaining with you or by registered letter with notification. In the application, write like this: "I ask you to set a time to familiarize yourself with the materials of the pension case using technical means." If they refuse, file a complaint with the Office of the Pension Fund of the Russian Federation, the prosecutor's office. But, if you have a court, file a petition within the framework of the court and be sure to indicate that they are refusing to familiarize yourself, unless, of course, the application was officially filed and there is evidence. Irina, I can advise you only as part of an online consultation, the matter should be entrusted to a competent lawyer in your region specializing in pension law. It is difficult to talk about something without seeing the materials of the case, anything could happen, an error in the calculations, not taking into account some important circumstances. You, of course, before going to court, you had to get acquainted and entrust the calculation to an expert. At the moment, claim in court and ask to postpone the meeting for review, in court you can photograph the entire page without any problems and you can again turn to an expert. Only this, again, should not be a simple calculation, but certified by the signature of a specialist, the seal of the organization, ideally a truly expert institution. The judge will not consider anything, and should not, she will only evaluate the evidence presented, if you present a reliable calculation made by a specialist, and the Pension Fund of the Russian Federation refuses to provide anything, these are their problems, respectively, your calculation will be taken into account when making a decision.

Reply date: 14-07-2016 21:02

Thank you very much, everything is clear! Yes, on the note of the law, this is how it should be, but in reality it turns out differently. Of course, now at the meeting I will file a petition for familiarization, since I didn’t write a statement, I only indicated that the Pence documents were required in the addenda, and the judge ordered the PF, but not in writing, to give ME the opportunity to familiarize myself with Pence’s personal case, it was even the date and time were appointed, but when I arrived, they explained to me that they now had no time and were rudely asked to leave, after such a turn, I no longer want to visit the PF))) then I wrote a letter to the PFRF, I received an answer that the letter sent to the PF at the place of residence on 17 sheets, what was in the letter I didn’t know, and when I got acquainted with my court case, there was a “supposedly” answer from the PFRF, on 2 sheets without stamps and seals, it seems that they wrote it themselves))) I'm not even glad that I started suing this "system" of truth is very difficult to achieve. The Court and the Pension Fund are state organizations, and it is very difficult to fight them. Or you need a lot of money for all EXPERTISE and calculations, or a lot of strength. But let's see how they behave further))) Once again, many thanks for the detailed explanation.

You will need

• Employment history;
• Certificate of average monthly earnings for 2000-2001, or for any 60 consecutive months;
• Calculator;
• Pen or pencil;

Instruction

Contact your Pension Fund Department with an application addressed to the head with a request to check the correctness of the accrued pension from the moment you access it, with all allowances, recalculations, etc.;

Contact the Main Department of the Pension Fund of your region with an application addressed to the head with a request to check the correctness of the accrued pension from the moment you access it, with all allowances, recalculations, etc.;

Next, determine the estimated amount of the pension using the formula: length of service coefficient x ratio of average monthly earnings x 1671 (this is the average monthly salary in the country for the III quarter of 2001, approved by the Government of the Russian Federation for calculating pensions);

Then determine by the following formula. From the calculated amount of the pension received, deduct the amount of the base part as of 01.01.2002 in the amount of 450 rubles. Multiply the amount received by the number of months of the expected pension payment period (depending on the year, for example: pension from 01/01/2010 - 192 months, from 01/01/2011 - 204 months, etc. adding 12 each). The amount received will be the pension capital for January 2002;

Determine the pension capital, taking into account indexation at the date of appointment, as follows. Multiply the received pension capital by the increase index for each year from 01/01/2002:

2003 - 1.307

2004 - 1.177

2005 - 1,114

2006 - 1.127

2008 - 1.204

2009 - 1,269

2010 - 1,427


These are the existing rules and nothing can be done about it. And since teachers here in Russia have been far from highly paid in recent years, then. Thirdly.

the size of the pension cannot be less than the subsistence minimum for a pensioner in the region (it is 6,354 rubles across the country). And fourthly, check the correctness of your calculations and the data entered into the calculator.

Maybe it's not all that bad. You don't have to cry.


Pension calculation – LAWYER'S CONSULTATIONS

Already assigned pensions will be recalculated according to the new formula.

If, upon recalculation, the amount of the pension does not reach the amount received on January 1, 2015, then the pension will be paid in the same amount. More answers from lawyers on this issue Kirsanov Sergey Ivanovich (26.02.2014 at 14:23:01) Hello!

As a general rule, for pensioners who move to a permanent place of residence in the Russian Federation and have received Russian citizenship, the pension is reissued in accordance with the national legislation of the Russian Federation on the basis of data from the work book, other documents, and confirmation of archival certificates.


Help with calculating your pension

This would be true if the law did not have one more provision, namely: when calculating the coefficients, a segment of up to 10 percent of the length of service is discarded (“cut out”) where the salary coefficients are the smallest.

And since this situation must be taken into account, it is necessary to carry out a special calculation - optimization, that is, the choice of 5 years to produce in such a way that this option provides the highest average coefficient (obtained by dividing the sum of the coefficients by months by the number of months), but taking into account the fact that " cut out" up to 10 percent of the length of service.


Now, to calculate the pension, you need information about the salary for only one period

Previously, to assign a pension, it was required to provide information for two periods: for any 60 consecutive months before July 1, 2000, plus for the entire insurance period after July 1, 2000 until the day of applying for a pension.

But now, in order to assign pension payments, information on wages is needed only for one period - after July 1, 2000. - Data on these earnings are entered into the system of personalized accounting of contributions, and we can check whether deductions for pension insurance were made from them or not.


Help with calculating your pension

Help with calculating your pension

and the result is multiplied by T (228 months).

This RP can be determined by two formulas for choosing a future pensioner. The first option: RP \u003d SC (seniority coefficient) x ZR (average monthly earnings for 2000 - 2001.

or for any 60 months of work in a row), divided by the RFP (average monthly salary in the Russian Federation for the same period) and multiplied by the SZP (1671 rubles).

Second: RP \u003d ZR (average monthly earnings for 2000 - 2001) x SC (seniority coefficient). According to Art.


Registration of a pension

“At the same time, documents confirming periods of work and other periods must contain the number and date of issue, last name, first name, patronymic of the citizen to whom the document is issued, the date, month and year of his birth, place of work, period of work, profession (position), grounds their issuance (orders, personal accounts, etc.).

Documents issued by the employer upon dismissal from work can be accepted to confirm the length of service even if they do not contain grounds for their issuance. certificate in the prescribed form on the average monthly earnings for 60 consecutive months (until January 1, 2002).


Calculation of old-age pension: how to calculate (formula, examples)?

Now let's cover this topic in more detail.

Fixed part of the insurance pension In order to calculate the old-age pension, you should be aware of the existence of a fixed payment (hereinafter PV) to the insurance pension established by Art.

16 of the Federal Law "On insurance pensions" No. 400-FZ of December 28, 2013.

In 2020, the payment amounted to 4,558.93 rubles. This is a guaranteed minimum by the state for every Russian citizen of retirement age.

We consider all the nuances of obtaining a pension and options for increasing it

They receive a pension exclusively in cash, at the place of actual residence of the pensioner within Ukraine indicated in the application, or transferred to a bank account specified by him. At the same time, an individual date for the payment of a pension during the payment period is set for each pensioner - from the 4th to the 25th day of the month. REPORT.

The pensioner also has his obligations to the Pension Fund.


How to check the correctness of the calculation of the pension?

In accordance with the current legislation, there are cases of revision and recalculation of the pension due to incorrect accrual.

Such errors are associated primarily with the human factor (an error in the work book, certificate of employment, etc.).

General pension calculator, rules and formulas for calculating pensions independently, which affects the amount of deductions, we give an example of calculation.

Calculate your estimated pension below:

The results of calculating your pension

Insurance pension (SP)*: 12 065.90 rub.Your work experience is less than 9 yearsThe number of accumulated PCs is less than 13.8Your work experience is less than 9 years and the number of pension savings of the PC is less than 13.8: You are entitled to the minimum pension: 8703 rublesNumber of individual pension coefficients (PC): 92.40

* The calculation data for your pension is approximate. For more accurate results, we recommend contacting the Pension Fund of the Russian Federation. When calculating the conditional amount of the insurance pension, the following indicators for 2018 are used: Fixed payment - 4982.9 rubles; The cost of 1 pension coefficient is 81.49 rubles; The maximum salary before the deduction of personal income tax, subject to insurance premiums - 85,083 rubles per month.

Approaching the retirement age, many citizens are asking a very relevant question for them, how to calculate a pension. The state social benefit itself has undergone repeated reforms, and today a pension can be allocated:

Each of these payments is calculated in a special way, and the amount is affected by a number of factors determined by law.

What affects the size of the pension

The fundamental values ​​for determining the amount of the monthly pension benefit will be:

1. The salary of a future pensioner. The higher this figure, the greater the monthly allowance.
2. Duration of employment. The longer a pensioner worked, the more pension points he receives.
3. The age at which a pensioner ceases to work. The legislator sets the lower age limits for retirement, for women - 55 years, for men - 60. If, for example, a man continues to work until the age of 65, then this fact, when calculating a pension, will be taken into account and will affect the increase in benefits.

Pension calculation formula

To calculate a labor or insurance pension, you need to know the following indicators:

1. - personal pension coefficient. In other words, the indicator can be identified as a pension score, which directly depends on the amount of salary and, accordingly, on the amount of insurance premiums paid by the employer.
2. pension coefficient. It is used as an incentive measure to continue working after a citizen reaches the lower age limit for calculating state benefits. The longer a pensioner works, the higher the bonus coefficient.
3. State-guaranteed pension. It is defined in the legislation. The payment is fixed and is added to the variable part if the citizen has completed the minimum length of service. This fixed payment has a higher value for some categories of citizens. This fact is described in detail in .

In order to independently determine how to calculate the amount of an old-age pension, Russians should use the formula:

SP \u003d IPC * SIPC * K + FV * K

where joint venture– insurance old-age pension;
IPK– the total number of pension points;
SIPC- the monetary value of the personal pension coefficient;
To- coefficients, and for the state-established and personal indicator they differ;
FV is a government-fixed amount.

In turn, the individual pension coefficient (SIPC) is calculated as:

SIPC = SV / SVmax * 10

Where SW- the amount of paid insurance premiums, it is 22% of earnings excluding taxes paid. On the personal account of the future pensioner, 16% or 10% will be recorded, depending on the decision of the future pensioner to form the funded part of the pension payment or not.
SVmax- the upper limit of the amount of contributions, it is deducted from the taxable base and is 16%.

Important! The taxable base is indexed annually, so in 2018 it will be equal to 1,021 million rubles.

When calculating a pension, 3 time periods are taken into account:

• until 2002. All data on seniority and earnings are obtained independently, since personalized funds do not have this information;
• 2002-2014 years. The FIU has the data and the amount of contributions is formed, the length of service itself matters only for determining the minimum length of service;
• from January 1, 2015. Here the Federal Law-400 comes into force and the calculation is made in accordance with it.

The formula for calculating a pension is quite voluminous, you can not understand the details of how exactly a pension is calculated, but use a ready-made Internet resource.

How to calculate pension online

Not every citizen is able to independently calculate a pension. The Internet resource offers a lot of opportunities to get information about the amount of payments online.

Websites of various companies offer to use special pension calculators, in which you only need to enter certain values.

The official website of the Pension Fund is no exception, which offers to calculate the amount of a future pension using an online calculator.

Important! All calculations of pensions in real access mode are informational in nature.

Calculation of pension using the Pension Fund calculator

The Pension Fund places on its website a pension calculator form, which allows not only to roughly calculate the amount of future pension accruals, but also helps to understand exactly how the amount of earnings and length of service affect the amount of social benefits for old age.

To do this, a citizen must fill out the following cells of the form:

1. Date of birth.
2. Service life in the army.
3. Amount of children.
4. Number of years spent on maternity leave for each child.
5. Time spent caring for a disabled citizen.
6. The number of years you plan to work after reaching retirement age.
7. Employment as an employee or self-employed.
8. Time worked by an employee.
9. The amount of earnings in the prices of the current year.
• the number of individual pension points;
• the amount of the insurance pension payment;
• general experience.

The indicators set for the current year are used directly for the calculation. So, in 2018:

• subsidies established by the state 4,982.9 rubles;
• price value 1 point - 81.49 rubles;
• the maximum allowable salary before tax, subject to insurance premiums - 85 083 rubles per month.

Among other things, the Pension Fund of Russia has created a single database of future pensioners, through which you can track whether the employer is conscientiously making deductions for his employees.

For this you need:

• register on the website "Gosuslugi";
• enter your personal account on the PFR website using the login and password specified during registration on the State Services website.

This method of tracking allows you to identify unscrupulous employers in time.

Calculation example

If you want to independently learn how to calculate the indicator of social benefits for old age, you can use the following example:

Citizen Petrov V.V. born in 1956

According to state regulations, he has the opportunity to retire in 2016.

Work experience Petrova V.V. is 29 years old.

Salary of Petrov V.V. equal to 1700 rubles for one working month.

Step 1

We calculate the coefficient of experience:

For 25 years worked, it will be equal to 0.55. For each subsequent working year, 0.01 is added to the value. Petrov V.V. worked for 29 years, therefore, 0.04 will be added to his coefficient, which will give a total of 0.59 points.

Step 2

Monthly earnings of Petrov V.V. divided by the average salary in the country in the current year, calculated by the PF:

1 700/1 671 = 1,02.

Step 3

We calculate the pension capital:

PC = length of service ratio * average salary in the country * the ratio of available earnings to the average minus the state-established payment in 2002 * number of months of compensation.

1.02 * 1671 * 0.59 - 450 * 228 = 130564.66. It turns out capital for 2002.

Step 4

Every year, social benefits are indexed, therefore, it is necessary to increase the calculated value by the total coefficient:

13 0564.66 * 5.6148 = 73 3094.45 - this will be the pension capital of Petrov V.V. received by 2018

Step 5

For the period of time worked from 1991 to 2002, an allowance is made in the amount of 10% of the total capital. For Petrov V.V. it will be 73,309.45.

Step 6

The allowances are added to the compensation collected on the insurance account of Petrov V.V. This amount was deducted monthly by the employer, starting from 2002, the PFR determines it in the amount of 856342.10 rubles. We get the following result:

73 3094,45 + 73 309,45 + 85 6342,10 = 1 662 746,00.

Step 7

The calculated amount must be divided by the approximate period of time for the payment of benefits (it will be 228 months), the insurance share will be received:

1 662 746,00 / 228 = 7 292,75.

Step 8

The insurance part is multiplied by the IPC, which is equal to 106.393, as well as by the price of the pension point, which in 2018 was 78.28. Thus, an additional insurance share will be calculated, it will amount to 8,328.44 rubles.

Step 9

The final indicator is obtained by summing up the basic insurance payment, fixed payment, its lower limit today is 4,805.11 Russian monetary units.

8,328.44 + 4,805.110 = 13,133.55 rubles.

Thus it is approximate old-age pension Petrov The.The. will amount to 13,133.55 Russian rubles.

Every Russian has a choice of how to calculate the size of his pension, using formulas or using an Internet resource.