10:56 — REGNUM The State Duma of the Russian Federation adopted a package of laws on pension reform in the third reading, the correspondent reports on December 23. The reform was supported mainly by United Russia deputies.

A new pension formula is being introduced - pension calculations will not be made in monetary terms, coefficients and points will be introduced. Pension formula includes insurance contributions to the Pension Fund, length of service and a possible delay in retirement, for which “bonuses” will be awarded. The size of the pension will be determined by multiplying the individual pension coefficient by its “cost”. The “price” of this coefficient will be set annually in the budget law Pension Fund RF. In this case, an annual indexation of the score will be provided based on the income of the Pension Fund, but by an amount not lower than the inflation rate.

An old-age insurance pension is provided: the conditions for its appointment are the age of 60 years for men and 55 years for women, the presence of an insurance period of at least 15 years, and the presence of an individual pension coefficient of at least 30.

Disability insurance pension: assigned to disabled people of groups I, II or III, regardless of the cause of disability or length of service. Insurance pension in the event of the loss of a breadwinner: all disabled family members of the deceased breadwinner who were dependent on him are entitled to it (with the exception of persons who committed a criminal act that resulted in the death of the breadwinner and was established in court). The size of the insurance portion of the pension depends on the individual pension coefficients for each year of insurance service, the parameter for increasing the old-age and survivors' insurance pension if it is assigned later than the established age, the cost of one pension coefficient in the corresponding year - their size and calculation will be included in the documents and materials presented simultaneously with the budget legislation of the Russian Federation.

It is established that the duration length of service The period required to assign an old-age insurance pension will be 6 years in 2015, and starting from 2016 it will increase by one year each year until it reaches 15 years.

Since 2015, an old-age insurance pension is assigned if there is an individual pension coefficient - it is determined on the day from which the right to insurance pension for old age - not lower than 6.6, followed by an annual increase of 2.4 until reaching a value of 30. From January 1, 2015, the funded part labor pension stands out as a separate species. Its size, which is subject to adjustment from August 1 of each year based on the results of investing funds from the payment reserve, is proposed to be determined based on the funds pension savings and the expected payment period funded pension(until 2016, the period is set at 19 years (228 months), and after this date it will be determined annually by law based on statistics on the life expectancy of the recipient of a funded pension, it follows from the amendments.

From January 1, 2015, the funded part of the pension is separated from the labor pension. Thus, citizens’ savings in non-state pension funds (NPFs) and management companies are transformed into an independent type of pension. Employees will be able to choose an insurer or an investment portfolio of a management company once every five years. At the same time, additional rules are introduced that do not allow changing the insurer 5 years before reaching the retirement age.

It provides for recalculation of pensions for working pensioners - up to a maximum of three points (if the salary is up to 18 thousand rubles) annually.

A new paid non-insurance period is being introduced - caring for the fourth child. The increase coefficient is assumed to be 1.8 points per year for the first child, 3.6 points per year for the second child, 5.4 points per year for the third child and 5.4 points per year for the fourth child.

In addition, those who are in the non-insured period and at the same time working are given the right to choose to receive a pension or salary. At the same time, the effect of a “runaway pension” is overcome. The law increases the length of service for receiving a pension - from five to 15 years. For each person, the length of service will be calculated based on the norm that will exist at the time of achievement retirement age.

At the legislative level, it is established that the annual pension coefficient will be established by the law on the budget of the Pension Fund and its increase cannot be lower than the inflation rate.

Additional guarantees are also being established for village residents. For those who have worked in rural areas for over 30 years, starting in 2016, a special bonus will be established, equal to a quarter of the fixed payment that is paid to all pensioners.

Pension reform V Russian Federation- This important point, which worries the entire population. After all, each taxpayer transfers certain funds to And at one point he has the opportunity to get the money back, only in the form of a support system for citizens who have retired, constantly undergoing some changes. What news can you hear about this component of the population’s life? What information can be considered real changes, and what can be considered myths and gossip? Nowadays there is a lot of talk about pensions. Therefore, you should know exactly what to prepare for.

Cancellation of pensions for workers

The first news that caused a wave of discontent from the population was the abolition of pensions for working pensioners. A pension reform of this type in Russia implies that citizens who continue to work after reaching the age at which they can retire will no longer receive financial support from the state.

In other words, for working pensioners. There are two options for interpreting this news. The first states that the condition will begin to apply in 2016 and will apply only to those who earn more than 1,000,000 per year. This works out to 83 thousand rubles per month. Such citizens will not be paid a pension. In the second, the pension reform indicates the cessation of payments from the state for all retired citizens who continue to work. Neither income nor experience will play a role.

At the moment, such reforms are considered a myth. And if pensions for working citizens are removed, then the first scenario will be closer. So far, all people who have reached retirement age in Russia receive financial support from the state in one form or another.

Payout limit

The following news also concerns working pensioners. Some say that they want to limit financial support to the population if people are officially employed. In fact, they plan to reduce cash payments transferred to pensioners.

This type of pension reform news is a hoax. Now in Russia they are really working on systems that will help recalculate funds. But there are no strict restrictions. Unless pension payments cannot be less than the subsistence minimum per person. Therefore, there is no need to be afraid of such news. The government, on the contrary, is thinking about how to maintain and even increase pensions.

Suspending indexing

The discussions don't end there. Pension reform took place in 2016 anyway. But it’s just not too noticeable yet. The thing is that Russia provides for mandatory indexation pension payments. But working pensioners will not receive indexed payments. Instead, they are entitled to financial support from the state without any increases.

That is, at the moment in the country, citizens who have reached retirement age and continue to work receive the pension that was due at the end of 2015. They do not have any indexing.

Mandatory indexing

However, this does not mean that the pension reform in Russia completely cancels the increase in the amounts paid to pensioners. This is wrong. After all, the suspension of indexation applies only to employed citizens. Everyone else will receive it in Russia increased pension. At the moment, all payments are indexed by 4%. In 2016, citizens had to double the amount paid by the state upon reaching retirement age. And this rule was fully observed. It turns out that for non-working pensioners there are no special features. Same indexation, same payments. Even the procedure for assigning financial support remained unchanged.

Age

The news of pension reform in the country does not end there. Questions constantly arise regarding this topic. Russia has been planning to raise the retirement age for a long time. Is it true? Yes, there has been talk about raising the retirement age for several years now. Now in Russia, women have the right to retire at the age of 55, men get this opportunity at 60. But, as practice shows, many do not stop working even after this age.

This prompted the idea that citizens are retiring too early. In most countries the retirement age is much higher. And this helps replenish the state budget. The new pension reform implies a gradual increase in the retirement age. Thus, women want to extend their working capacity to 60, and men to 65 years, respectively.

Consequences of "age reform"

What consequences could raising the retirement age have? Now in Russia many remain dissatisfied with this prospect. It has not yet been implemented, but it is already known that someday the news will become a reality. Outrage was caused by the fact that the Russian government tried to be equal to other countries and did not take into account the average human life expectancy in the country. Thus, women live on average to 77, and men to 65 years. It turns out that practically many men will not receive pension payments if they raise the age at which they are officially allowed to retire. For this reason, they decided to postpone the innovation for now. But at the same time they are talking about a gradual increase in the retirement age. It is planned to increase it by 6 months every six months.

Experience and points

Pension reform in the Russian Federation has led the country to the fact that it now uses the so-called point system for calculating payments. For each year worked, a citizen is awarded certain “points” to his account. At the end due pension will depend on the total number of points scored. For now, citizens are required to score 30 points. And the amount of money due for payment in the form of pensions depends not only on points, but also on the cost of one point at the time of retirement.

Not everyone likes the point system. But it has been introduced and the government has no plans to revise it in the near future. Therefore, citizens should remember that now, when calculating their labor pension, not only length of service will be taken into account, but also the number of points accumulated over the entire period of work.

Changes in the conditions for assigning pensions

What else has the pension reform prepared for the population? The last thing that really interested citizens was the conditions for assigning payments. It has already been said that it is planned to raise the retirement age. Also, to receive financial support from the state (not social), you must have 30 points. But the changes don't end there.

To retire and receive money from the country, you will need 7 years of work experience. And this is regardless of the citizen’s points. Previously, this period was 5 years. In 2016, it increased to 7. And this “bar” will increase until 2024. It is planned to increase the minimum work experience to 15 years. Such changes are now provided for by the pension reform. Recent news indicates that this is not a myth, but a reality.

Two parts of one whole

The following information can no longer be considered new. But still not everyone knows about it. The thing is that pensions are now formed mainly at the expense of citizens. Payments were divided into 2 parts: insurance and savings. The first one is paid without fail. It is guaranteed by the state. The savings fund depends directly on the citizens and is usually formed in the state fund. The main thing is to transfer part of your income from time to time to the chosen organization, thereby saving for old age.

The formula by which it is necessary to calculate funds paid to pensioners has the form P=B*K+C+NP, where:

• P - monthly pension;
• B - the number of pension points accumulated by a citizen;
• K - cost of one point;
• C - the insurance part of the pension (set by the state annually);
• LF - cumulative part (formed by a citizen).

Many are talking about what is now planned to be revised this diagram. Actually this is not true. The system remains the same. And no one will change it in the near future. The year of pension reform is behind us. But there is still some news that has excited pensioners.

Freezing

The pension reform in Ukraine is reminiscent of the changes that took place in Russia. In the neighboring country, it is currently planned to introduce a multi-component calculation of due payments, the same as what is currently available in the Russian Federation. This is not too scary, so the population is not very afraid of such changes, because pensions will still be transferred.

Only in Russia there were rumors that the government in 2016-2017 might “freeze” pensions, or rather their funded parts. It is proposed to exclude this component altogether when calculating pension payments to the population. Nevertheless, there is no need to fear this step yet. According to the government, there are no plans to “freeze” in 2016-2018. But how things will be further is a mystery that has not yet been solved.

One-time payment

The pension reform in the Russian Federation in 2016 made many citizens think about saving for their own old age and not hoping for an increase in pensions. The world is currently in crisis. And in Russia too. In such conditions, indexation of pension payments became impossible. Therefore, in 2017, all pensioners (employed and unemployed), instead of indexation, will be paid a lump sum in January. How many? 5,000 rubles. And all other payments will remain the same. The government reported that there were no funds for indexation. Therefore, we have to act this way for now.

And this news is not a myth. This is already an established law. Now we just have to wait for 2017. It is unknown what other changes may affect the pension system in the Russian Federation. But even the government recommends that you worry about saving for old age on your own. After all, in times of crisis, sometimes you have to make serious decisions. The population must be prepared for them. All that remains is to follow latest news. Perhaps very soon the pension system will be completely revised again.

Until 2002, Russia had a distribution pension system “inherited” from the Soviet past. This system was able to provide a decent level of pensions - but only in the case of a favorable demographic situation, when the number of workers in the country significantly exceeds the number of pensioners.
Today, this principle works with a “slippage” - for each pensioner there are only 1.5 workers, and the number of pensioners is increasing from year to year.

The changing demographic situation and the increase in the number of elderly people receiving pensions in the country forced us to pay attention to the experience of European countries and try to apply it in Russian conditions.

Since 2002, pension reform began, aimed at motivating Russians to independently earn a high pension for themselves. The key idea of ​​the pension reform was principle of accumulation. The main goal of the reform was to provide Russians with a decent future pension and to establish a direct dependence of its size on length of service, wages, the time of retirement, as well as voluntary contributions towards a future pension. Let us note that the experience of a number of European countries where there is a mandatory funded pension system is truly positive, and the average pension there is about 60% of the salary level.

Today, every working citizen of the Russian Federation younger than 1967 participates in the compulsory pension insurance system, according to which the future state pension is formed from insurance contributions from the employer, transferred monthly for the employee to the Pension Fund of Russia.

To calculate the insurance pension according to the new rules, the concept of “individual pension coefficient” (pension point) has been introduced, which is assessed every year labor activity citizen. The number of pension points depends on the accrued insurance contributions to the compulsory pension insurance system and the length of the insurance (work) experience. The value of the pension point will be determined and changed annually. Note that when forming an insurance pension, contributions are only “reflected” on the account, but in reality they go to pay pensions to current pensioners.

The funds that form the future funded pension do not go to payments to pensioners, but are invested annually. This is money that can be managed, and which - importantly - will continue to be accounted for in rubles and paid to legal successors at the accumulation stage.

Until the end of 2015, every citizen born in 1967 and younger had the right to choose their own pension provision- direct the entire amount of the employer’s insurance contributions to finance only the insurance pension or distribute this amount to finance funded and insurance pensions.

In 2016 and later, citizens who made a choice in favor of maintaining contributions to a funded pension or refused its further formation in favor of an insurance pension retain the right to change the insurer and transfer the generated pension savings funds from the Pension Fund of Russia to a non-state pension fund, as well as change your non-state pension fund to a more reliable one.

Participants State co-financing programs for pensions may also continue to increase future funded pensions. The minimum voluntary contribution at which it turns out governmental support, is 2,000 rubles per year (subject to payment of the first installment in the amount of 2,000 rubles before January 31, 2015). The state doubles the contributed funds at the rate of no more than 12,000 rubles per year.

And finally, you can independently, at your own expense, save up for additional income by concluding a non-state pension agreement.

Confidence in your future is built on the understanding that everyone who is already working or just starting their career should take an active position in the matter of their pension savings.

Take care of your future in advance - form your future pension capital with OJSC NPF GAZFOND Pension Savings.

The Russian government is currently actively pursuing pension reform. Now the old-age pension consists of the insurance part and the funded part. Such concepts as individual pension coefficients (pension points), a fixed payment to the insurance pension, and increasing coefficients have been introduced.

At the same time, a number of laws were adopted, according to which the requirements for the minimum length of service and the required number of pension points to receive a pension are increased.

Pension reform - this is a targeted state policy associated with changes in current legislation, aimed at changing the conditions of pension provision.

An innovation was the increase in the retirement age from 2019.

Yes, according to general rule old age pension is assigned and paid to insured persons upon reaching the age of:

• 65 years for men,
• 60 years - for women.

The new pension legislation stipulates that the following mandatory conditions are also required to receive a pension:

1. the presence of a minimum insurance period (the pension reform provides for an annual increase in the minimum work experience from 5 years in 2015 to 15 years by 2024);
2. the value of pension points (IPK) (since 2015, pensions are assigned if there are pension points of at least 6.6, followed by an annual increase of 2.4 to 30 points by 2025).

The law proposes to set the retirement age for men at 65 years and for women at 63 years.

After the Government of the Russian Federation proposed raising the retirement age by deputies of the A Just Russia party in State Duma The Russian Federation has submitted for consideration a draft law on the abolition of pension points and maintaining the retirement age limit of 60 years for men and 55 years for women. The size of the pension in the draft law depends only on the length of service and the salary received. More information about the draft law can be found here.

Opinion of Russian President V.V. Putin on raising the retirement age

Vladimir Vladimirovich Putin, in interviews before 2018, repeatedly stated that the issue of raising the retirement age was not being considered.

After considering the bill on raising the retirement age in the first reading, Putin V.V. August 29, 2018 in a televised address addressed the citizens of the Russian Federation and expressed his opinion.

Putin V.V. stated that raising the retirement age is a necessary measure.

The President of the Russian Federation proposed a number of measures that would make it possible to mitigate the decisions made as much as possible.

Below are excerpts from an interview with Vladimir Vladimirovich, the full text of which was published on the website of the President of the Russian Federation.

1. The retirement age for women should not increase more than for men. Therefore, I consider it necessary to reduce the increase in the retirement age for women proposed by the bill from 8 to 5 years.

Thus, women will be able to retire at the age of 60.

Further. Provide the right to early retirement for mothers of many children. That is, if a woman has three children, she will be able to retire for three years ahead of schedule. If there are four children - four years earlier. But for women who have five or more children, everything should remain as it is now; they will be able to retire at 50.

2. The retirement age is expected to be raised gradually. So that people can adapt to a new life situation and make their plans. In this regard, I propose that citizens who were scheduled to retire under the old legislation in the next two years be given a special benefit - the right to apply for a pension six months earlier than the new retirement age.

For example, a person who, according to the new retirement age, will have to retire in January 2020, will be able to do this already in July 2019.

3. What worries and even, I would say, scares people of pre-retirement age? They are afraid of facing the risk of losing their job. With the fact that they may be left without a pension and without a salary. After all, after fifty, it is really difficult to find a job.

In this regard, we must provide additional guarantees that will protect the interests of older citizens in the labor market. Therefore, for the transition period, I propose to consider the pre-retirement age to be five years before the retirement date. I repeat, a whole package of measures is needed here. Thus, I think it is necessary to establish administrative and even criminal liability for employers for dismissing workers of pre-retirement age, as well as for refusing to hire citizens because of their age.

I instruct the Government to approve a special professional development program for citizens of pre-retirement age. It should start working as early as possible and be financed from the federal budget.

And if a person of pre-retirement age decides to quit on his own, voluntarily and has not yet found a new job, then in this case we must strengthen his social guarantees. In this regard, it is proposed to increase the maximum amount of unemployment benefits for citizens of pre-retirement age by more than double - from 4,900 rubles, as now, to 11,280 rubles from January 1, 2019 - and set the period of such payment to one year.

And finally, it is also necessary to establish the employer’s obligation to annually provide employees of pre-retirement age with two days of free medical examination while maintaining their salary.

4. When making changes, you cannot follow a template. We have already provided for the preservation of benefits for miners, workers in hot shops, chemical plants, Chernobyl victims, and a number of other categories.

We must support the villagers too. It has been repeatedly discussed and even decided on the need for a 25 percent supplement to the fixed payment of the insurance pension for non-working pensioners living in rural areas who have at least 30 years of experience in agriculture. But the entry into force of this decision was postponed. I propose to start these payments from January 1, 2019.

5. Those who started working early should have the opportunity to retire not only by age, but also taking into account the length of service they have earned.

The bill now establishes that the length of service that gives the right to early retirement is 40 years for women and 45 years for men. I propose reducing the length of service that gives the right to early retirement by three years: for women to 37 years, and for men to 42.

Yes, these benefits have traditionally been provided only upon retirement. But in in this case When changes are coming to the pension system, and people were counting on these benefits, we are obliged to make an exception for them, to provide benefits not in connection with retirement, but upon reaching the appropriate age. That is, as before, women will be able to take advantage of benefits when they reach 55 years of age and men from 60 years of age. Thus, even before retirement, they will no longer pay taxes on their house, apartment, or garden plot.

In custody The President of the Russian Federation noted that, as is known, many experts still believe that we have delayed too much in resolving the issues that are being discussed today. I don't think so. We just weren't ready for this before. But you really can’t put it off any longer. This would be irresponsible and could lead to dire consequences in the economy and social sphere, and have the most negative impact on the fate of millions of people, because, now it is already clear, the state will have to do this anyway, sooner or later. But the later, the tougher these decisions will be. Without any transition period, without maintaining a number of benefits and those mitigating mechanisms that we can use today.

Thus, raising the retirement age in Russia is inevitable. And, as changes in legislation show, this will happen in 2019.

More details about retirement age in Russia You can read the article at the link.

Strategy for the development of pension policy proposed by Kudrin

The Center for Strategic Research, led by Alexei Kudrin, has prepared for Vladimir Putin a plan for creating a sustainable pension system, the goal of which is to increase payments without increasing budget expenditures.

Important. The essence of Kudrin's plan is to ensure an increase in pensions relative to the subsistence level by reducing the number of people receiving these payments. It is proposed to increase the retirement age to 63 years for women and to 65 years for men!

In addition to raising the retirement age, it is also proposed to tighten the conditions for receiving a pension:

1. The minimum length of service for calculating an insurance pension (which is now increasing annually to 15 years by 2024) will be further increased to 20 years.
2. The strategy proposes to increase the minimum number of pension points (which also increases to 30 by 2025) to 52.
3. The social pension, which is received by those who did not earn on insurance, is proposed to be assigned upon reaching 68 years of age.

At the same time, it is planned to tighten the conditions for appointment early pensions: for example, the minimum required length of service for doctors and teachers will be increased to 35 years (currently doctors have the right to retire early after working for 25 years). Read about who has the right to retire early in the article at the link.

According to CSR calculations, this will increase the ratio of the insurance pension to living wage and reduce budget transfers to finance pensions.

What to expect from pension reform in 2019-2020

The main positive aspect as a result of the reform and raising the retirement age is the annual indexation and increase in the pension amount by an average of 1 thousand rubles. As a result, it is expected that the average pension will increase to 20 thousand rubles.

In addition to raising the retirement age, the issue of forming the funded part of the pension also remains relevant.

Let us remind you, transfer of funds to savings part Pensions in Russia have been frozen since 2014.

The funded part of pensions in Russia will definitely not be formed in the next three years, confirmed Deputy Prime Minister Olga Golodets, without ruling out its complete abolition.

Note that the budget of the Russian Pension Fund for 2018–2020 was compiled on the basis that the entire volume of the insurance contribution rate will be directed to insurance part pensions. The formation of pension savings is not provided for in the budget in 2019–2020.

Currently, the Government of the Russian Federation is developing concepts for an individual pension capital system, which should replace the mandatory formation of pension savings. According to the assumption of Deputy Minister of Finance Alexei Moiseev, the new system will start working in 2020.

Now citizens who have not yet decided on the method of forming pension savings within the framework of the new rules will have to finally decide whether they will remain in the state insurance system or start saving additionally for retirement. Based on their decision, pension savings will either go to the selected non-state pension fund, or they will be converted into points and they will become part of the regular insurance pension.

Thus, it is assumed that the Russian Pension Fund will lose its functions as an insurer for the funded part of the pension.

Participation in the new system will be voluntary, but entry into it will be by default. That is, a person will need to write a statement if he does not want to participate in it, and not vice versa. This is done to ensure that people take a more meaningful approach to saving for their future retirement.

Salary savings will be deducted by default unless they submit an opt-out request.

Each person who wants to increase their individual pension capital will be able to contribute any percentage of their salary to the system at their own discretion. For this he will receive tax benefits. For contributions within six percent of the salary, he will receive a classic tax deduction, i.e. There is no need to pay income tax on this money.

It is assumed that if a person saved for retirement, but found himself in a difficult life situation, for example, became seriously ill, received a disability of the first or second group, or lost a close relative, he will be allowed to withdraw this money from the pension system and spend it on more pressing needs, for example , treatment.

Prepared by "Personal rights.ru"

The current realities in the economy and social sphere have led to the need for changes and improvement of the pension system, which has been put into effect since 2002. By 2010, all its advantages and disadvantages became visible. The question became obvious about making changes in the formation of pension rights of future pensioners on the basis of balance and fair treatment of all.

• New rules introduced in January 2015 are based on the impact of wages and length of insurance coverage on.
• In addition, more at the request of the citizen also will affect the size his future payment in the direction of increase.

The new calculation of pensions encourages citizens to work and earn good money, while everyone is responsible for the formation of their own pension capital and has the right to choose the most effective one.

There were no global changes in pension legislation by 2018 (except for the extension of the abolition of indexation for working pensioners and the increase in the retirement age for civil servants), therefore, as such, a new pension reform is not expected in the near future.

The essence of the reform being carried out in 2015

Since the beginning of 2015 in Russia there have been new rules introduced formation of pension savings. If previously the pension consisted of three parts: basic, insurance and funded, now it is represented by the following components:

• fixed payment;
• insurance pension;
• funded pension.

One of the innovations was the calculation of pensions in individual odds, and not in absolute values ​​as before. This will better protect the pension capital of citizens. Accumulated points will be converted into rubles at .

An important innovation was the possibility of whether or not to form a funded pension. However, to increase the security of pension savings, the moratorium on their formation was extended in 2016, 2017 and 2018. At the same time, intensive work is underway to corporatize non-state pension funds.

Back in 2016, some changes also occurred, which include the abolition of indexation of pensions for working pensioners and raising the retirement age for civil servants to 63 and 65 years.

Formation of insurance and funded pensions

Employers make monthly payments towards the future pension of their employees to form their pension rights. General tariff such contribution amounts to 22% of salary, of which 6% is a solidarity tariff, which is not taken into account in the account of the insured person, but is sent to pay a fixed amount to current pensioners.

The remaining 16% of the contribution can be distributed according to two options:

• only for insurance payment (16%);
• for insurance and savings (10% and 6%).

These percentages are recorded in the personal account of the insured person and then converted into points.

Citizens over 1966 year of birth is installed . This is the main type of pension in Russia, which is a guaranteed monthly payment current pensioners due to their loss of basic income.

Until 2016, citizens born in 1967 and younger had the right to choose a pension option. Currently, this right is retained only for those who are getting a job for the first time. They can make their choice within the first five years of his work activity.

The main document that laid the foundation for the pension reform in Russia was the law “About insurance pensions” No. 400-FZ dated December 28, 2013, which contains:

• division of labor pension into two types (insurance and funded);
• a new pension calculation formula based on the sum of accumulated individual coefficients and the cost of one point;
• new conditions for assigning payments (presence of a minimum amount of points and insurance experience);
• increasing coefficients have been introduced when applying for a pension after the established period;

The emergence of the right to a funded pension, as well as the conditions for its assignment and payment are contained in the law “About funded pension” No. 424-FZ of December 28, 2013. The insurer for the formation of such payment in the OPS system are various non-state pension funds, whose activities in the new conditions are regulated by the adopted law No. 410-FZ of December 28, 2013. "On amendments to The federal law“On non-state pension funds”.

To protect the voluntary investments of citizens, a pension savings guarantee system, which is reflected in Law No. 422-FZ of December 28, 2013.

To resolve issues regarding early payments if you have the required length of service in the relevant types of work and the mandatory payment of insurance premiums at an additional rate, two laws have been adopted:

• No. 426-FZ dated December 28, 2013 “On special assessment of working conditions”;
• No. 421-FZ dated December 28, 2013 “On amendments to certain legislative acts of the Russian Federation”.

Calculation of pensions under the new law

Pension payments introduced in our country in 2015 are based on several basic parameters:

• remained unchanged at 60 years for and at 55 years for ;
• the higher the official salary, the more insurance contributions are transferred to the citizen’s personal account, the higher his future pension (the minimum amount of individual coefficients accrued for each year of work should be 30 points by 2025, gradually increasing from 6.6 in 2015 ( in 2018 13.8 points));
• the duration will be 15 years in 2024, gradually increasing from 6 years in 2015 (9 years in 2018);
• Every citizen starting his working career has the right to choose whether to form a funded pension or refuse it during the first five years of work.

The formula for calculating the insurance pension under the new law is as follows:

SP = FV + IPK x SPK,

• JV- amount of insurance pension;
• FV- the size of a fixed amount;
• IPC- the amount of accumulated points;
• SPK- cost of one coefficient.

The PV is an analogue of the basic part of the labor pension; it is guaranteed by the state and is set in a fixed amount at the same time as the payment is assigned.

A feature of the IPC is that it is accrued in some non-insurance periods, such as military service on conscription, parental leave, time caring for a disabled person of the first group, a disabled child.

Thus, the pension rights of citizens accumulated until 2015, will be converted into the sum of individual coefficients, to which points will be added for each year of insurance experience after 2015.

Citizens already receiving payments do not need to contact the Pension Fund; their rights will remain the same when converted into pension points. the pension amount will not be reduced.

Pension reform in 2018 in Russia

At the beginning of 2017 and 2018, a number of provisions of pension legislation has undergone changes:

• the moratorium on indexation of pensions for working recipients was extended;
• from 2017, the retirement age of federal and municipal civil servants was increased to 63 and 65 years;
• the “freeze” of contributions to pension savings under the compulsory pension system has been extended.

Some citizens perceive such changes as a new pension reform, but this is not entirely true. Pension reform involves more global changes in the order of assignment, calculation and payment of pensions, and the changes that occurred in the 2016s, 2017s and 2018s. - this is just making amendments to already existing legislative acts, so they, in fact, "pension reform" cannot be named.

Will there be an increase in the retirement age?

Since 2010, the issue of raising the retirement age has been repeatedly raised for discussion in the State Duma, but there are still fewer supporters of the implementation of such a theory than its adherents.

But it's not that simple. Indeed, the imbalance in the pension system and the lack of funds for current payments should lead to the adoption of measures that can change the situation for the better.

• Initially increasing age will save budget funds, but later the opposite effect may occur, since the payment will be calculated for a shorter period and, accordingly, in a larger amount.
• In addition, the unemployment rate may increase and more funds will be required to maintain stability in the social sphere.

However, positive developments in the economic sphere, as well as the intended trend towards increasing the life expectancy of our citizens, give grounds for the parties involved in the dispute to agree with the need to make adjustments to the existing pension system by 2019.

Increasing the retirement age for civil servants from 2017

One of the measures to reform the budget deficit situation around the Pension Fund was to increase the retirement age for civil servants. The corresponding law No. 143-FZ was signed by the President on May 23, 2016.

According to the new rules since January 2017 follows:

• raising the retirement age of civil servants by 8 years for women and 5 years for men;
• raising the age limit for civil service: for senior managers - up to 70 years, for others - up to 65 years;
• increasing the minimum amount of experience from 15 to 20 years.

It is worth noting that the increase in age and required experience will take place gradually until 2026.

Many analysts agree that this measure will prepare the population for an increase in the retirement age for all citizens. Others believe that such a principle is not dominant in state policy and talk about the importance of stimulating citizens to retire later.

Indexation of pensions for working pensioners in 2018

Due to the difficult economic situation in the country, for the first time in 2016, those pensioners who continued their working activities after retirement were eligible. In February of this year, the payment was increased as of November 30, 2016. Moreover, those who quit their jobs between October 1, 2015 and March 31, 2016 had to contact the Pension Fund for indexation.

Since April 2016, such a need has disappeared, since employers submit monthly reports, promptly informing the Pension Fund of the Russian Federation about the fact of their employees’ work activities.

It is important to note that when re-employed, the pension cannot be reduced.

Moratorium on the formation (freezing) of a funded pension

In 2017, the ban on the formation of funded pensions for citizens was extended. This measure does not in any way affect the income of the population or the size of their future pension. All insurance premiums transferred to their personal accounts will be taken into account in calculating their future pension payment.

The introduction of a moratorium on pension savings in 2014 nevertheless caused a wave of criticism from citizens. However, this decision was caused by the ineffective operation of the existing accumulation system and the insecurity of citizens’ voluntary investments.

Due to the crisis situation of the Pension Fund of the Russian Federation, a moratorium extended in 2018, while this measure will continue to be in force until 2020.

The “freezing” of funded pensions made it possible to carry out large-scale work to inspect numerous non-state pension funds and take measures to effective management funds invested by Russians, as well as the creation of a whole pension savings guarantee systems. Now, in order to carry out further work, the NPF must receive the appropriate