When considering the issue of calculating pensions for Russian citizens, first of all, it is worth focusing on those payments that residents of the capital can count on. This is very significant, because Moscow has the largest number of pensioners - about three million.

For some reason, it is believed that pensions in Moscow have the highest rates in the country. However, this is not the case. In fact, residents of the Far Eastern region have the highest accruals - this is not surprising, because the so-called residents of the Yamalo-Nenets, Khanty-Mansiysk and Nenets districts also boast high pensions.

in the capital?

In fact, it is no different from all-Russian practice. Women and men, upon reaching a certain age (55 and 60 years old, respectively), as well as if they have at least 5 years of work experience, can apply for a pension. Citizens who do not have five years of work experience can apply for social benefits. Only for this, the age of the applicant must be 5 years older - 60 years for women and 65 for men.

Regional surcharge

Pensions in Moscow are still somewhat different from payments due to citizens from other regions. For example, non-working pensioners are entitled to a regional social supplement to their pension up to the amount of the city social standard or living wage.

To receive regional social benefits, you need to provide the following documents:

• the applicant's civil passport or other document that confirms the identity and place of registration;
• a certificate of the type, duration and amount of the assigned pension from the territorial Pension Fund of the Russian Federation;
• work book (with a note that labor activity has been terminated).

Regional social benefits depend on how long the pensioner lives in Moscow.

Pension for “native” Muscovites

Minimum pension in Moscow for those who have lived in the city for more than a decade, it has remained at the same level for several years and amounts to 12 thousand rubles. In another way, this amount is called the “city social standard”. That is, all those who receive a pension less have the right to count on additional payments up to this amount from the city treasury. True, at the extended plenum of the Moscow City Council it was announced that in 2016 the social standard will be raised, and the smallest pension for a non-working pensioner in Moscow will be 14.5 thousand rubles. This statement was made by the mayor of the capital. The recalculation is planned to take place from March 1, 2016.

Pension for those who have recently arrived in the capital

But there is another category of pensioners. These include those who moved to the capital less than 10 years ago. What pension are they entitled to in Moscow? For such citizens, the city social standard in the capital as of 2015 is 9 thousand 46 rubles. This amount is also planned to increase in 2016. It is expected that it will be 11 thousand 428 rubles.

Additional payment for those who work

An additional payment to the pension in Moscow is also provided to those pensioners who have not left their jobs. There are several categories of citizens who have the right to apply for it:

• 1 category- disabled people of the Second World War;
• 2nd category— disabled people of groups 1 and 2;
• 3 category- children aged 18-23 years who are entitled to a survivor's pension or have been assigned group 3 disability, in cases where they combine work and study in an inpatient department.

In all three cases, additional payment is assigned regardless of place of work, salary and position.

• 4th category— pensioners working in budgetary institutions in the field of education, healthcare, social protection, culture, state veterinary service, youth and family policy; wage however, it should not exceed 20 thousand rubles;
• 5th category— pensioners who work as concierges, door attendants, doormen in residential buildings and receive a salary of no more than 20 thousand rubles. per month;
• 6th category— the minimum pension in Moscow can be increased for citizens who work as cloakroom attendants in institutions of (budgetary) culture, physical education and sports, healthcare or education, if their average monthly salary is not higher than 20 thousand rubles;
• 7th category- citizens who have the right to a pension and work as janitors, general workers for landscaping, cleaners of garbage chutes, public toilets, etc.; in this case, several conditions must be met - the enterprise is included in the List of Housing and Public Utilities Organizations, and the salary is no more than 20,000 rubles;
• 8th category— disabled people of group 3 who suffered from health problems as a result of the Chernobyl accident or the liquidation of its consequences, as well as the accident that occurred in 1957 at the Mayak Production Association; in this case, the additional payment does not depend on the position held, however, the salary of a working pensioner also cannot exceed 20,000 rubles.

Conditions for receiving social benefits from the city budget

In order for a working pensioner’s pension in Moscow to be accrued correctly and on time, he must submit the necessary documents. The main documents include:

• passport indicating registration;
• pensioner's ID;
• a certificate of the assigned pension, its type, amount and duration of appointment; you don’t need to go anywhere to get it - USZN employees themselves will request it from the Pension Fund as part of interdepartmental interaction;
• work book, which indicates the place of work and position held.

In addition to the above, you will need other documents. Certificate of participant or disabled person of the Great Patriotic War, MSEC certificate confirming disability - for those who belong to the first category.

For the second - only a certificate (extract) from the medical and social expert commission.

Pensioners with benefits of the third category, in addition to the MSEC extract, will need a certificate from the educational institution, which indicates the form and period of study, as well as a document confirming the death of the breadwinner.

For the assignment of all additional payments due, you must contact the Moscow Social Security Administration (USZN) or the USZN customer service located in the Multifunctional Center for the Provision of Public Services in any district of the capital.

Benefits and subsidies

In addition to additional financial support, Moscow pensioners can also count on some benefits and subsidies. These include:

• discounts on utility bills;
• free travel on public transport;
• additional free treatment in a sanatorium with payment of travel to the place of treatment;
• free production of dentures;
• cash payments for medicines;
• compensation for telephone payment.

New rules in 2016

In accordance with Federal Law No. 385, adopted at the end of December last year, pension payments will be indexed only to non-working pensioners.

Those who continue to work will receive insurance pension and additional payment to it without taking into account indexation. For citizens who stopped working before September 30, 2015, pensions will be indexed automatically, and those pensioners who left work after this period must provide documents confirming this fact to the Pension Fund of the Russian Federation. Recalculation will be made from the 1st day of the next month.

It is noteworthy that only those pensioners who left their jobs in the period from 10/01/2015 to 03/31/2016 will have to submit additional documents to the Pension Fund. After this date, a new reporting system will be introduced and data will be transferred to the Pension Fund automatically.

Citizens Russian Federation begin to receive pension payments. In 2016, the size of the minimum pension in Russia depends on the living wage currently set in the country; this figure is calculated individually by region.

It all depends on the climatic and economic conditions of the region, as well as the level of consumer prices for basic products. Nationwide average for 2016 minimum value payments amounted to 6350 rubles(you can find out more detailed information about the amount of old-age pension in the Russian Federation by reading the article).

In 2016, carried out, part of which is indexing for government provision among non-working pensioners. This will allow increasing pensions through social payments to those individuals whose accrued pension is below the subsistence level.

In any case, the pensioner will not receive less than this figure, regardless of his length of service and pension contributions made.

In 2016, the lowest level was determined for the Voronezh region - 6048 rubles, and the highest (14490) and the Nenets Autonomous Okrug (14540). The run-up is primarily due to big difference in climatic conditions between regions and distance from the center, which affects prices and quality of life.

Information for other regions

Subject of the federation	The cost of living (in rubles)
	11428
Moscow region	9071
Saint Petersburg	7992
Leningrad region.	7401
Republic of Tatarstan	6276
Chelyabinsk region	7616
	8560
Primorsky Krai	10072
Yakutia (Republic of Sakha)	12391
Sakhalin region	10878
Perm region	8701
Rostov region	7474
	7479
Krasnoyarsk region	8493
The Republic of Dagestan	6783
Chechen Republic	6667
Murmansk region	10481
Arkhangelsk region	9893
	7480
Sevastopol (Crimean Republic)	7152

The Russian legislative framework does not yet have a term describing the minimum pension. The pension itself may be significantly lower than the cost of living in the region. To eliminate this difference, indexing is carried out.

For example, the pension is 4,000 rubles, and the cost of living is 6,000. Thanks to indexation, the pensioner will receive another 2,000 rubles from the federal budget in order to meet the necessary requirements, regardless of length of service. Payment amounts change periodically, usually upward, due to economic changes in the country (inflation, etc.). As the economic situation improves, the amount of payments will invariably increase, taking into account the prices of consumer goods.

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SP st = IPK x SPK + FV,

• SP st- the amount of old-age insurance pension;
• SPK- the cost of the pension point at the time of payment (in 2019 - 87.24 rubles);
• FV- fixed payment (discussed below).

IPC = SV / SV max x 10,

• NE- insurance premiums paid by the employer at the rate chosen by the citizen. This can be 10% or 16% of the annual gross salary, depending on whether it is formed funded pension or not;
• CB max- the totality of insurance contributions that the employer pays from the maximum contribution base at a rate of 16%.

It is worth noting that the maximum contribution base has been increased and now in 2019 is 1021 thousand rubles.

Conversion of labor pensions established before January 1, 2015

Current legislation provides preservation of pension rights, which were formed by citizens before January 1, 2015.

In other words, if you have already been assigned an old-age insurance payment, its amount will be (recalculated based on your individual indicators) according to the new formula.

In this case, the value of the pension point for all periods before January 1, 2015 will be determined based on the size of the pension (excluding the fixed base amount and insurance share), divided by the cost of one pension coefficient, based on its value as of January 1, 2015. Then, according to the law the cost of odds increases twice a year (the second time if possible by the state), based on rising prices, accordingly, the size of the pension also increases.

It is worth noting that if the amount of payments after conversion turns out to be less than before recalculation, then based on Part 3 of Article 34 of the Federal Law “About insurance pensions”, the pensioner will receive an insurance pension in the same (larger) amount.

Recalculation of old-age insurance pension

In the case when a citizen receiving old-age insurance payment continues to work, pension contributions continue to be received by the Pension Fund. Accordingly, in such a situation, the pensioner has the right to.

If it is necessary to recalculate the size, the citizen must apply for recalculation to the department pension fund. It is worth noting that the preparation and submission of all documents attached to the application falls on the applicant.

Amount of old age insurance payments may change for the better under the following conditions:

1. Increase in the value of the pension point for periods before January 1, 2015.
2. An increase in the amount of pension points received in the periods after January 1, 2015 and before the appointment of a pension, counted as insurance experience (the period of receiving benefits at the labor exchange, maternity leave, completion of military service etc.), described in detail in Article 12 of the Federal Law “About insurance pensions”.
3. An increase in the value of the pension point, based on the amount of contributions to the Pension Fund of the Russian Federation, not taken into account when assigning an old-age insurance pension.

Recalculation is carried out according to the formula:

SP st = SP stp + (IPK i x SPK),

• SP st- the amount of old-age insurance payment;
• SP STP- the amount of the pension as of July 31 of the year of recalculation;
• IPC i- the value of the pension point as of January 1 of the year of recalculation, based on the amount of contributions to the Pension Fund of the Russian Federation that were not taken into account when assigning an old-age insurance pension, switching from another type of pension or recalculation made earlier;
• SPK- the value of the pension point on the day of recalculation.

If the citizen is a working pensioner, the employer can apply for a recalculation of this payment for its employees, but only if there is their written consent.

Share of old-age insurance pension to long-service pension

If a citizen is a long-service pensioner, has at least 15 years of experience and is eligible for old age, including early retirement, he has the right to assign a share of the old-age insurance pension to the long-service pension.

In this case, the amount of pension points for at least 12 months after is taken into account. We emphasize that in this case these points are already cannot be used when recalculating pensions.

To calculate the share of old-age payments to the long-service pension, you need to use the formula described in Article 19 of the Federal Law “About insurance pensions”.

SD = (SD s / SPK k + IPK i) x SPK,

• SD- share of old-age insurance pension;
• SD with- the share of the old-age insurance pension determined as of December 31, 2014;
• SPK to- the cost of a pension point;
• IPC i- the value of the pension point from the moment of retirement according to length of service until the assignment of a share of the old-age insurance pension.

Subject to an increase in the amount of pension coefficients, from the calculation of insurance premiums that were not taken into account when assigning the share of the old-age insurance payment or during the previous recalculation, the insurance share is recalculated from August 1 of each year.

Payment of old-age insurance pension

As mentioned above, after 10 working days from the date of submission of the application and all necessary documents(or submission of missing documents), the Pension Fund of the Russian Federation assigns an old-age insurance pension to the citizen. She will be monthly, and the pensioner has the right on one's own choose the method of receiving this payment.

Citizens can receive a pension in the following ways (including through a proxy):

• To a bank account. In this case, the pensioner can withdraw funds either directly from the account or using a bank card.
• Via Russian Post. By choosing this option, the pensioner will receive payments at the post office or directly to their home.
• Through a third party, engaged in the delivery of pensions. Citizens need to find out the list of such organizations through the territorial body of the pension fund. Otherwise, the procedure and terms of payments are identical to the option with Russian Post.

Suspension and termination of payment

• in the event of the death of a pensioner or his recognition as missing;
• if a foreign citizen or stateless person has not submitted documents confirming a residence permit in the Russian Federation after the expiration of 6 months;
• if a citizen loses the right to an old-age pension - due to the unreliability of the data presented in the documents when assigning insurance payments;
• in case of voluntary refusal to receive an insurance pension.

Conclusion

So, from 2015 they came into force new conditions for the formation of labor pensions, which apply with some changes to this year 2019. Perhaps they are somewhat difficult to understand due to the fact that a different size calculation system is used pension payments through the conversion of insurance premiums into points.

Once again we designate the most important points:

• Insurance experience and “white” (official) salary are the key to a large pension.
• It is better to start preparing documents for applying for a pension in advance - this increases the opportunity to receive a pension exactly when you are entitled to it.
• As consumer prices rise, so does the size of payments.

Municipalities Our country still has rules for establishing minimum pensions. Information about what's next pension reform will primarily address this issue, have repeatedly appeared in the media, but today both the Ministry of Economic Development and the Ministry of Labor are more focused on the issue, and complex manipulations with federal law“On pensions” will most likely be postponed to a time when strong fluctuations in the exchange rate of the national currency will be, if not excluded, then at least smoothed out, and gold and foreign exchange reserves and the stabilization fund will be steadily growing.

What is the minimum age pension in Russia today?

A citizen of the Russian Federation who has total experience at least 5 years and the age established by the rules for old age pension. For women today it is 55 years old, for men it is 60 years old. If the pensioner's length of service is less than 5 years, he will be assigned social pension. Its average size in 2016 is 8,290 rubles. Taking into account the latest re-indexation (there was no increase after September 2015), it increased by approximately 790 rubles. The next increase in the size of the social pension in Russia in 2016 will take place in 2 stages - approximately on February 15 and during September (according to Olga Golodets, the departments have not yet decided on the final dates).

The minimum assigned old-age pension in Russia, while, as already mentioned, in the regions is established taking into account many indicators and their own formulas. However, its size should not be less than the subsistence level established in the region of residence of the pensioner. For comparison, in Russia as a whole, the cost of living for pensioners is set at RUB 7,951. (3rd quarter of 2015 - 1st quarter of 2016), that is, on average, pensioners should receive no less than this minimum. At the same time, the minimum age pension is 10,040 rubles, social pension - 8,400 rubles.

How to calculate the minimum age pension in Russia in 2016

The old-age pension today is calculated as labor or social (we wrote above about in which case social is assigned instead of labor). Labor pension in turn consists of insurance and accumulative parts, that is, it depends both on the age of the pensioner and on the size of his salary that he received during the period labor activity. It is by knowing these values ​​that you can calculate the size of your pension. In different regions of Russia, the cost of living has its own values ​​and the size of the minimum pension payments is tied to it.

According to statements by senior officials of the Ministry of Labor and the Ministry of Finance, in Russia there will be an old-age pension in 2016; in total, the increase should compensate for the inflation registered at the end of 2015.

The older a person is, the more often he begins to think about the amount of his state benefit due to him upon reaching a certain age. Although, taking into account the innovations on the part of the Duma officials in the section of legislation governing pension system, younger people also began to address this issue. For many senior citizens, this type social support is the only financial income necessary for life.

What affects the size of the pension?

Main circumstances influencing the amount of pension provision:

• official salary;
• presence of a disability group;
• the number of family members dependent on the pensioner who are disabled due to age or health;
• retirement upon reaching a certain age or later;
• the presence of the first disability group or its change;
• The Far North and similar regions where the citizen has completed the required length of service and also lived there;
• are pension savings formed.

This year, for citizens permanently residing in the Russian Federation and receiving a pension as of the end of 2016, a one-time cash benefit in the amount of five thousand rubles was paid, without the need to apply. According to Articles 217 of the Tax Code of the Russian Federation and N 385-FZ, this payment is not subject to taxation.

Maximum number of pension points

The amount of the “white” salary before deduction of income tax, which goes towards the calculation and payment of mandatory insurance contributions to the Pension Fund, as well as seniority are the main factors for the formation of the number of pension points.

This year the maximum score is 8.26. From 2021, it is expected that they will increase to 10. This coefficient is determined for those citizens who direct their insurance contributions to form only an insurance pension. If it is formed simultaneously with the cumulative one, the maximum number of points per year will be 6.25.

For people born in 1966 and older, only the insurance type of pension formation is available. For citizens younger than the specified year, they have the opportunity to choose the method of calculating state benefits - funded and insurance or only insurance. However, people who made their choice before 12/31/15. simultaneously of two methods of pension formation, have the right at any time to refuse the funded part in favor of the insurance one. Thus, six percent of contributions are directed only to the accrual of the selected accumulation system.

Dependence of pension size on region of residence

Depending on the established subsistence level, the minimum pension payment is determined. Since the size of the consumer basket is different for each city, the state benefit will accordingly be different. Average minimum pension in Russia for 2017 amounted to 8,504 rubles.

Average value of the minimum benefit for pensioners for 2015-2017. depending on the county of residence.

Thus, the largest amount of pension payments falls on the Far Eastern Federal District, and elderly people in Moscow receive old-age benefits significantly higher than the average minimum value throughout Russia as a whole - 11,561 rubles.

Which regions have the highest pensions?

As of 2017, residents of the Chukotka Autonomous Okrug receive the largest pension benefit - 19,000 rubles. Also, if a citizen has any social benefits due to disability or death of the breadwinner, the pension amount will be increased. Next in descending order are the following subjects of the Russian Federation (in rubles):

• Nenets Autonomous Okrug - 17095;
• Kamchatka Territory - 16400;
• Magadan region – 15460;
• Sakhalin region – 12151;
• Murmansk region – 12090;
• Moscow – 11561.

Maximum pension in Moscow

Elderly residents of the capital who are retired receive relatively larger state old-age payments than throughout Russia as a whole. This depends on the fact that the standard of living in Moscow is significantly high. To ensure that a pensioner has enough money to survive and does not feel disadvantaged, a presidential decree established the minimum amount of old-age cash benefits. In 2017 it amounted to almost 15 thousand rubles.

The maximum pension in Moscow, theoretically, should be D.A. Medvedev. According to the law of 2001, the former head of state is entitled to monetary support corresponding to ¾ of what the current president receives.
For ordinary ordinary residents of Moscow, the accrual of state payments towards pensions is at the same level as throughout Russia:

• the size of the “white” salary;
• retirement age;
• total work experience;
• the amount of contributions to the PPR.

For indigenous citizens registered in the capital for more than ten years, additional payments to social security are provided. standard Today it is equal to fourteen and a half thousand rubles, which is significantly higher than the subsistence level.

Which categories of workers can boast the largest pension?

For the majority of municipal employees occupying the highest government positions, there are increased pensions. Therefore, deputies are appointed state provision, focused on the income of current officials - 55-75% of the assigned amount. To calculate pension supplements, they take not salary, but average earnings along with bonuses, material assistance and everything else. The length of service of a municipal employee is also taken into account.

In addition, benefits are provided for senior officials:

• free use of any type of transport, including public transport, except taxis;
• purchasing travel tickets for any type of vehicle out of turn;
• the right to improve living conditions in apartments in Moscow allocated as official ones;
• sanatorium treatment and recreation in special institutions;
• a monthly salary increase equal to 5 minimum wages is paid.

The size of the pension allowance for a retired official differs significantly from that of ordinary citizens. The legislation establishes a certain percentage of what employees in power currently receive, who, in turn, constantly increase pensions through any allowances in order to ensure a decent old age in the future.

An example of the size of the maximum old-age pension in Russia in 2017

The main criteria for receiving an old-age pension benefit are:

• official work experience of at least eight years, during which insurance premiums were paid to the Pension Fund (annually until 2024, this criterion will increase by one year);
• having a minimum number of pension points of 11 (will increase annually, by 2024 a minimum of 30 points will be required);
• reaching the established age for retirement - 60 years (men) and 55 years (women).

A citizen has the right to choose which type of formation of pension benefits will be more convenient for him. It is necessary to take into account that when choosing an insurance pension, contributions to the Pension Fund will be 16%, and a funded pension - 10%.

Using the illustrative case of citizen Petrov, it is possible to calculate what insurance pension he will be entitled to upon retirement. To do this we use the formula:

SP = SV/MV x 10 x SIPC x K + FV x K, Where:

• JV – insurance pension;
• NE – amount of contributions (with insurance 16%);
• MV – maximum contributions from salary (in 2017 - 876,000 rubles);
• SIPC – the value of the pension point;
• TO – bonus coefficient;
• FV – fixed payment.

Citizen Petrov, having graduated from a higher educational institution in 2016, took an official position in October 2016. He is twenty three years old. The “white” salary before taxes are deducted from him will be on average 60 thousand rubles. He plans to work in this position until he is sixty years old. He refused the funded system of formation, so we will calculate only the insurance pension upon reaching sixty years of age:

1. Work experience: 60 – 23 = 37 years;
2. Pension coefficient (points) accrued for one year: (60000 x 12 x 0.16)/(876000 x 0.16) x 10 = 8.219 points;
3. Number of points for work experience: 8.219 x 37 = 304.103;
4. The cost of a pension point, as of April 1, 2017: 304.103 x 78.58 = 23,896 rubles;
5. To determine the final insurance pension, you need to add a fixed payment: 23896 + 4805.11 = 28701.11 rubles.