Razrahuvat pension knowing ipk on r_k. Zagalnі rules narahuvannya. How is the new program?

It's too early for a skin person to start thinking about their future. Rozmіr your pension pіdlyagaє obov'yazkovy rozrahunka independently or at vіdіlennyakh Pension fund Russia, moreover, it is absolutely cost-free. Today, special services are being launched on the State Service website, as well as the PFR portal for the citizens of the country, who want to know about the approximate increase in their pensions. In this article, the procedure for working with sites will be examined in detail, as well as the basic formula for self-sustaining a pension will be introduced.

How to build a pension for the formula

Іsnuє special law “On labor pensions for Russian Federation”, which has already been regulating the procedure for withdrawing pensions by the citizens of the country. Obviously, it will be more difficult to find out the exact amount of the world, so it’s possible to lay down the sum of the pension in the presence of rich nuances, but you can still approximately develop it independently.

At the present time, there are two formulas for a rozrahuvan: the first one is an old one, the prote allows you to get an approximate rozmіr vіdrakhuvan. Well, with a new formula, for which you need to pay your pension in the Pension Fund of the Russian Federation, but it’s more folded and maє on the account of the impersonal index and the coefficients.
Let's look at their insults.

Trochy old formula may look like: Rozmіr Pensії \u003d SK x ZR / ZP x SZP.

SK - tse internship coefficient. For all insured residents of the UK to become 55%. With skin fate, the length of service is over, and the cost is 25 years for people and 20 - for women, individuals suffer from supplements of 0.01%. So if your work experience is 27 years and you are a woman, then the coefficient for rozrahunku will be 55 + 0.07, 62% at a time. Give respect to the fact that the maximum bonus coefficient is 20%, so you don’t take away bonuses after 40 years of experience for women and 45 for people.
ZR - average monthly income. This show is paid for a period of 60 months, just take the arithmetic average of your salary for the specified period.
ZP - obviously, the salary, but not yours, but the middle country in the whole period. You can find out the average salary in the Internet for whatever time it is to tease you.

An important nuance: you can’t increase the RP / RP for a result of 1.2. Forget that you will have the number 3 or 7, you won’t be spoiled for it. 1,2 - the best indicator.

The value of the SZP is fixed and constantly updated, the middle of the month is the salary of the country for any period, as it is established by the order independently. Find out on the website of the Pension Fund of Russia.

Another formula, more new, but foldable, may look: SP \u003d IPC x SIPK x K + FV x K. Look at the decryption:

SP is your average old-age pension.
IPC - the sum of your pension balls at the time of the resurrection, you can find out from these statistics.
SIPK - variance of the individual pension coefficient. Tobto, the value of one ball for the recognition of a pension. You can find out the quality of one ball on the website of the Pension Fund of the Russian Federation, follow the news, so the quality of the ball increases more often.
K - premium coefficients. You will also have to clarify to the FIU for the cost of living or for hot lines fund.
FV - fixed fee. Tse suma, like the power is guaranteed to give up to a pension. For example, at the time of February 1, 2017, the amount would be 4805.11 rubles, but it could be increased, for example: you have unprofitable huge people under guardianship, you are over 80 years old, otherwise you have the first group of disabilities, more experience fifteen rokiv on the Last Pivnoch.

How to find out about your pension balls and a clear amount of pensions on the website of the Pension Fund of the Russian Federation

The site of the Pension Fund of Russia by launching a clumsy online calculator for its own account future pension to all the citizens of the country. You can get in touch with him by going to the PFR official website: http://www.pfrf.ru

Go to online calculator through the end, seen on the screenshot. Offending the stink lead to the pension calculator.

Save all fields of the form with your authentic information.

Obov'yazkovo choose your status in the column "Do you plan to practice ...", the shards of the upcoming points change according to your choice.

Press "Razrahuvati" to fix the result.

Now you have been informed about your approximate increase in your future pension, so that you need detailed information, go back to the Pension Fund of the Russian Federation for accommodation.

At the Russian Federation on the cob 2015 a new formula for the repayment of old-age pensions began to be zastosovuvatisya. Let's try to find out: what is now influencing the insurance coverage of Russian pensioners?

Zmist:

Reimbursement of pensions: the formula for 2015

After completion " Radian period» in the life of the country, the reform of the Russian pension legislation was carried out only two:

pension entitlement was converted from pension capital(Vidbulosya tse in 2002);
and later, the boules “pension balls” were ordered (the same as in 2015).

The essence of themselves the rest of the changes and called out to the hulks for rich food. To this we choose: by what rank has the law been changed? And how do pensions pay off in a new way?

Since September 1, 2015, the number of "independent" pensions for Russian pensioners has become two:

insurance;
that is cumulative.

The basis for such a podіlu was the praise of laws No. 400-FZ and No. 424-FZ dated December 28, 2013.

The accumulative part of the pension has been lost to the hoarders-pensioners, who were born in 1967 and earlier. Vaughn and rozrakhovuєtsya in the old way. And the axis of the insurance part of the pension is vvazhayut for all and even after the new formula, which is based on the basis of your own misfortune "bali". І axis tsі pension bali potential pensioner can apply for the period of his praceszdatnosti.

The formula itself for the repayment of a pension looks like this:

UPS (insurance part of the pension) \u003d FV x PC1 + ІPC x SPC x PC2, de

FV– the fee is fixed, it is set on the sovereign level;

PC1- premium coefficient (better, as people on the way retired later for an older term);

IPK- Individual pension coefficient;

SVK- the variance of the pension coefficient (for rozrakhunkiv it is taken at the moment of registration of the pension);

PC2- premium coefficient (higher IPC, as a pensioner continues to work, not going to retirement, which he deserves).

In order to find out in the rules and features of the pension payment for the new formula, the main data are needed:

fixed portion (earlier called basic) pension;
individual and premium coefficients.

How to determine the fixed part of the insurance pension?

A fixed part of the pension (PV) was established and fixed by the law “On insurance pensions” (FZ No. 400-ФЗ dated December 28, 2013, article 16). Tse guarantees by the power of the minimum for skin care pensioners for old age. PV is indexed, as a rule, on rivers:

1 fierce s urakhuvannyam torishny ryvnya іnfljatsії (tse obov'yazkovo);
that 1 quarter for the income tax (also earlier) of the Pension Fund (albeit only possible, but not obov'yazkovo).

Decisions about another possible payment are accepted without intermediary by the Rada of the Russian Federation.

The new pension legislation also changed the periods of accrual of pension balls, as well as bonus coefficients appeared. Until then, today the price is fixed part of the pensions of the hromadas, as they fall to different social categories. Current data can be viewed in .

Individual pension coefficient

The insurance pension is based on the IPC - the so-called “individual pension coefficient”. It was introduced recently, and the key role of the formula for the pension fundraiser is introduced to it. This coefficient is added (and seriously) rozmіr viplat. And rozrakhovuєtsya like the sum of pension balls (chi іnakshe richnyh pension koefіtsієntіv - CPC).

Shchodo TsPK, the stench is looking forward to the subbags of labor activity and the results of payments by the robot provider of insurance contributions for a particular practitioner.

What is the difference between 2015-2017 and 2014 years of retirement?

Since 2015, the pension coefficient is taken into account for the changed formula:

CPC (Richny pension coefficient) \u003d SSP / SCM x 10, de:

SSP- the amount of insurance pension contributions (by the end of the year, from income);

SSM- amount of insurance premiums (16% of wages/pay);

10 - the maximum number of possible pension balls for the river (rozrakhankovy).

If the pension is paid beyond the border age, then the pension balls for skin care work are added up, if the robot provider paid for the contribution to the OPF. For the sum of all these pension contributions, an individual pension coefficient is generated:

IPK = IPK = DPK2015 + DPK2016 + ... DPK2030.

How to pay for an individual pension coefficient?

Also, CPC increases the amount of insurance premiums up to the maximum value of insurance premiums, which is 10 times higher. For the river, the total amount of insurance contributions to become 22% of the salary.

And already s tsikh 22%:

6% to go to the joint part of the Pension Fund (the same one that is formed after the fixed part of the pension);
and 16% violate the formation of the insurance part of the pension (as well as a potential pensioner if you want, then 6% of them 16% go to accumulative part, I less than 10% - for insurance).

Butt No. 1 CPC with 16% income for insurance pension:

We can see the practitioner from the middle wages 24 thousand rubles per month. It’s time to pay more for such a huge man to the Pension Fund:

24,000 x 12 months x 16% = 46,080 rubles.

In 2016 roci Russian Order set the maximum salary of 796 thousand rubles per river. І the sum of the maximum pension contributions from such a salary is 127,360 rubles.

Mean TsPK will be = 46080/127360 x 10 = 3.618

Axis and get out, which is the most important pension coefficient of 3618 pension points.

Butt No. 2 CPC with 10% insurance pension income:

Let another practitioner have the same salary as the first one, and 24,000 rubles herself. Ale yogo robotodavets vіdrakhovuvatime to the Pension Fund is not 16, but 10% of it for the insurance part + 6% for the accumulative part. Obviously, the formula for the insurance pension will change. Bude:

24,000 x 12 x 10% = 28,800 rubles.

Vіdpovіdno i TsPK vglyadatima in a different way:

CPC \u003d 28800 / 127360 x 10 \u003d 2.261.

Leaving less than 2,261 pension points. What is obviously smaller, equal to the front butt. I become aware that the money to form the accumulative part of the pension is to seriously speed up the amount of pension balls, which is the result of the change in the resultant pension.

How to reverse the validity of accruing pension balls?

Rozrahunok IPK - not more than a pension ball, but a period, if pension contributions from objective reasons were not paid:

Admission to watch over a little child (it’s not guilty to revisit 6 fates), including:
- behind the first committee of the CPC = 1.8;
- after another CPC = 3.6;
- after the third, fourth then. CPC = 5.4.
The period of looking after a disabled child, or for an older disabled person of the 1st group, or for a person older than 80 years. In these cases, the CPC is 1.8.
Service at Russian army to a call. CPC also = 1.8.

Variation of the pension ball

The variance of the pension ball is seriously re-insurance:

1 fierce obov'yazkovo, s urakhuvannyam torishnoї іnflyatsії;
1 quarter for decisions of the Order of the Russian Federation (required for filing a folding formula, with the right to pay insurance premiums to the Pension Fund of the Russian Federation and federal transfers).

For data on 04/27/2017 The number of the ball after the quarterly indexation amounted to 78 rubles 58 kopecks.

The maximum number of pension points, which can be taken in 2017, is 8.26.

Pointing period for paying pensions for an hour funded pension in 2017 the rotation will be 240 months.

Increased pension for additional premium coefficients

When rozrahunku pension payments є mozhlivіst zbіshiti utrimanna ї podobnіnі, yakscho voluntarily vіrіshuє vyyti merits vіdpochinok і іslja vstanovlenі termіnі. Tobto reaching pension age, the hromada can continue pracyuvat, and rozrokhunok yogo pension then introduce a moving coefficient, like a fixed part (PK1), so IPC (PK2).

Data on premium coefficients for the number of recent months in the line of retirement of pensions are presented at Art.

On the sum of the sum of the pension, such coefficients may have a significant influx. For example, as a way to qualify for retirement for 10 years, a part of the retirement age was fixed at 2.11 times, and IPC - at 2.32 times.

Like old pension rights to translate from Bali

Chinniy pension legislation fixed the formula, yak pension rights, accumulated by a citizen until 01.01.2015, converting from the necessary pension balance:

PC (sum of accrued pension balls) = SCH / SVK, de

MF- insurance part of the pension (without basic and accumulative), which was on December 31, 2014;

SVK- Variation of the pension ball at the time of implementation of the pension right (and retirement itself) for a specific person.

How to raise a pension for a person, how virushay on the merits of the cause of this fate, the amount of pension balls in the warehouse of the Ії IPK. Even though the term for retirement has not yet arrived, I will need to save the amount of money from the CPC for future fates.

For the pension formula, as in Russia in 2015, for the withdrawal of the right to an insurance pension in 2017, a mother needs at least 8 years of experience and 11.4 pension points.

Apply the rosary of the pension

Example No. 1: Old-age pension, to reach the border age

Gromadyanin Petrov to retire after reaching the retirement age, for example, 2017. And on the cob of 2015, after the conversion of Petrov's pension rights, he had 70 pension balls on the rahunka. Plus, for 3 years, yakі were left until the legal exit for the merit of retirement (2015, 2016, 2017 pp.), Vіn otrimaє sche 5 points. Also, 2 years Petrov served in the army for a call, and even 1.8 points. In this rank, at the time of retirement, the huge Petrov had 78.8 IPC points.

Let's assume that until the end of 2017. SEC cost 100 rubles, and the minimum amount of FV is 5,000 rubles. Now it's important:

UPS \u003d PV + IPC × SPC \u003d 5000 + 78.6 × 100 \u003d 12860 rubles.

The very same will be the most fearful death of pensioner Petrov.

Butt No. 2: Retirement at the latest line of the current pension age

And the axis of the bulk Popova went to work at 18 years, having opened her labor path less in 2015. Dvіchi (according to calendar rotation) for the whole hour, she went to see the child, after which she took 5.4 pension balls for the TsPK (1.8 for the first paper and 3.6 for another baby).

Let's say that the hunky woman Popova gave pracyuvatime without interruption the length of service until her own pension, the term is like a pidide in 2052, if Popovyi retires for 55 years. And it is acceptable that the woman does not go to the merits of reprimands, but proprate 5 more years “by fool”. Tobto their right to merit in vіdpovchinok vyrastaєtsya less than 2057 roci.

For 41 years of work experience, the bulky woman Popova wins 341 pension points. Plus 5.4 bali "childish". Together: 346.4 bali. And again, it is acceptable that the PV in 2057 will be 18,000 rubles. The premium coefficients (for 5 years of "re-engineering" after the term of retirement) on the PV become 1.27 points, on the IPC - 1.34. Imovirno, it is acceptable to have a pension ball in 2057, as a cost of 580 rubles. And then it’s easy to get rid of the potential pension of Popova:

18000 × 1.27 + 346.4 × 580 rubles × 1.34 = 292082.08 rubles.

It is obvious that the other butt stock is richly “beautiful” for the first one. Ale, don’t forget the varto, that in another way of the rozrahunka it was crushed with an impersonal allowance. And all the same, pension security in case of a “deposited exit” on the vіdpochinok will be suttєvo vishchim.

What is the most accurate way to protect your pension? You can easily do this on the official website of the PFR. IN special office gromadyanina already є all external data: і about work experience, і about accumulated pension balls, і about pension rights. There is also an online calculator on the resource, which, for a small amount of money, pays for the pension of a specific person, it is enough to enter the necessary bills - about the right place of work, salary and that іn.

Important: As a reminder of the nobility, as if you are “threatened” with insurance for current data, you can get used to it by entering some yoga (security) increase at the time of retirement.

Why are you saving your pension at once and how are you going to secure it?

Pіlgovі pensions є і at a time. For practitioners of medicine and education, practitioners of undertakings from shkіdliviy virobnitstv. What rank to spoil the security for such pensioners-Plgoviks?

At the principle, the formula of rozrahunku pension little is considered in the main formula. It is based on your own accrued balls for the credit card to the PS fund. Razrakhovuyutsya stench like this:

IPO/IBO x 10, de:

I software- ce іndivіdualnі pensіynі vіdrahuvannya rozrahunkovy rіk;

WELL ON- Regulatory pension repayment (rich).

Information given in the article is current at the time of publication.

An example of a pension fund

In early 2015, a woman turned 55 years before the Pension Fund for accruing an insurance pension for old age.

Work experience 30 years, middle news, for which contributions to the PFR 30,000 krb were paid. In tsiomu, 2001-2002, the average news was 3,000 kr.

Maє two children, with skin z such a bula at the vіdpustsi to watch over the child, stretching 1.5 years. (What to do?)

First, proceed to the rozrahunka guess whatentitlement to an insurance pension for old age, women may think that they have reached 55 years of age; At any time before the insurance period, periods of labor activity on the territory of the Russian Federation are included, for the mind, for qi periods they were paid and rallied insurance contributions at the FIU, and other periods.

For osіb, yakі nabuvayut rights to the insurance pension in 2015 roci, її rozrahunok carried out according to the Federal Law on labor pensions dated 17.12.2001 No. 173-FZ with the repayment of the calculated pension capital individual coefficients(Bali) (div. subparagraphs 1, 9, article 15 of the Federal Law of December 28, 2013 No. 400-FZ).

Rozrahunok

one). Significantly, the rozrahunkovy rozmіr pension as of 01.01.2002.

1. Reimbursement of pensions (RP) is repaid according to the formula (clause 3 of article 30 of the Law of December 17, 2001 No. 173-F W):

RP \u003d SK x ZR / ZP x SZP,

de SC - experience coefficient, for women who have experience of at least 20 years, become 0.55. If the experience is greater, the coefficient is increased by 0.01 for the skin of the latest recommendations, but not more than lower by 0.2.

ZR - the average monthly income of a future pensioner for 2000 - 2001. or for the rest of the year 60 months before 2002. (data from statements about earnings or vitiag from an individual special salary);

ZP - average news of the Russian Federation for 2000 - 2001, equal to 1494.5 kr;

SZP - the average news of the Russian Federation for the period from 1 day to 30 spring 2001, equal to 1671 krb.

SC for people, if they can have a full work experience of at least 25 years, that for women, if they can have an experience of at least 20 years, become 0.55. If the experience is greater, the coefficient is increased by 0.01 for the skin of the latest recommendations, but not more than lower by 0.2.

The rate of the average monthly income of the insured person to the average monthly salary payment at the Russian Federation (ZR/ZP) is insured at the Rosmira not necessary 1.2.

In our opinion, the rozrahunkovy rozmir of pension is more expensive:

1 671*(0,55+10*0,0 1)*1, 2 = 1 303,38

2). We signify a part of the funded pension capital as of 01.01.2002.

PK1 \u003d (RP-450 rubles) * T

de RP - rozrahunkovy rozmir pension;

450 rub. - Rozmir of the basic part of the labor pension as of 01.01.2002;

T - 228 months, survival period

In our opinion, the rozrahunkovy rozmir of the pension capital is more expensive:

(1 303,38-450)*228= 194 570,64

3). It indexes a part of the funded pension capital.

194 570.64x1.307 x 1.177 x 1.114 x 1.127 x 1.16 x 1.204 x 1.269 x 1.1427 x 1.088 x 1.1065 x 1.101 x 1.083 =1 092 478,45

4). We determine the amount of valorization

Tse 10 vіdsotkіv the value of the indexed pension capital plus і 1 vіdsotk for the skin of the last rіk of the total length of service, given before 01.01.1991

1 092 478,45*10% +1 092 478,45*6* 1%= 174 796,55

five). Significantly, the total amount of the rozrakhankovy pension capital, with the improvement of which the increase in the labor pension for old age is calculated.

PC=PC1+CB+PC2

de PK1 - part of the funded pension capital of a future pensioner, calculated as of 01.01.2002 with the adjustment of the indexation;

SV - sum of valorization;

PC2- the amount of insurance payments and other payments to the Pension Fund for the future pensioner starting from September 1, 2002. (appears only on the basis of a voucher from an individual special account of the insured individual)). Admissible, from 01.01.2002 zgіdno z zgіdnou z іndivіdualnogo svoіdualnogo rahunka, otrimany 2 in the Territorial Pension fund (for the cost of living, zgіdno z dannymі personіfіkovanіk) amount of insurance premiums, scho naіyshli, for the period z 2001 rub.

In our opinion, the rozrahunkovy rozmir of the pension capital is more expensive.

1 092 478,45+158 761,63+496 000 = 1 763 275,00

6). We pay the insurance part of the labor pension for old age as of December 31, 2015

Insurance part of the pension = PC / T + B,

de PK - the amount of the funded pension capital of a future pensioner;

T - the number of months of the estimated period of payment of the labor pension for old age (in 2014 - 228);

B - fixing the basic amount of the insurance part of the labor pension for the camp on 01.01.2015 - 3935 kr.

In our opinion, the rozrahunkovy rozmir of pension capital is more expensive

1 763 275/228+3 935 =11 668,66

7). Razrahuemo іndivіdualі balls for the previous period, with the improvement of the fact that the number of 1 ball as of 01.01.2015 64.10 rubles.

11 668,66/64,10= 182,04

7). Let's pay for individual balls for 2015 to improve the retirement of the in-line worker

The average lead is 30,000 krb.

Z її vodrakhuvannya to PFR 30,000 * 22% = 26,400, including in the insurance part - 26,400 * 16% =6 957

Salary limit for which insurance contributions to the Pension Fund are paid: 733,000 / 12 * 4 * 16% \u003d39 093

Individual pension score for 2015 depending on length of service, salary and insurance contributions:

6 957/39 093*10= 1,8

Individual pension score for non-insurance periods of life ( maternity leave for 2 children)

(1,8+3,6)*1,5 =8,1

At the same time pension for old age with the improvement of 1 pension ball from 01.02.2015 71.41

(182,04+1,8+8,1) *71,41+3 935 = 17641.44 rubles.

In 2015, the increase in the installed exchange for individual balls was 7.39 (we have 1.8 + 8.1 = 9.9 for the rose)

(182.04 +7.39) * 71.41 +3,935 = 17462.20 rubles.

We respect you: consultation physical features z food rozrahunka pensions are not zdіysnyuєtsya. In case of rozbіzhnosti with a pension fund, it is recommended to pay for the old-age pension directly to the Pension Fund.

For wealthy people, the word "pension" is usually associated with people of a frail age.

Prote tsya association is not familiar, because in our country pensions there are a lot of people of different age categories.

Based on statistical data, at the beginning of 2016, 42.7 million pensioners lived in Russia. Vykhodyachi z tsikh pokaznikіv, it is absolutely logical to admit that the information about pension security is circulated by the impersonal hulks of our country.

Dear readers! Article rozpovidaє about the typical ways of solving legal nutrition, but also individual cases. How do you want to know, how solve your own problem- contact the consultant:

(Moscow)

(St. Petersburg)

(Regions)

Tse shvidko i without cost!

What do people want to know?

To understand the essence pension security, people want to know if on the next meal:

In order to expand the horizons of the inhabitant in the halls of pension security, in this article we can report as much as possible on the supply of food, as well as all important aspects of how to pay for rent and pay pensions.

Nasampered, varto understand that a pension is worth a penny of help, as it is paid by the state at the coming falls:

It is quite logical to assume that the order of the rozrahunka Pension payments are clearly regulated by Russian legislation.

Legal basis

Registration, repayment and payment of pensions in our state is based on upcoming federal laws:

No. 167-Ф3 dated December 15, 2001 “About obov'yazkove pension insurance in the Russian Federation”, which clearly establishes the main financial legal aspects pension insurance
No. 166-Ф3 dated December 15, 2001 “On state pension security in the Russian Federation”, in accordance with the provisions of the Constitution, the procedure for recognizing and withdrawing pensions is clearly regulated.
No. 173-Ф3 dated December 17, 2001 "On labor pensions in the Russian Federation", which establishes the procedure for withdrawing labor pensions.
No. 111-F3 dated 24 June 2002 "On the investment of funds for financing the accumulative part of the labor pension in the Russian Federation".

Varto is also indicative of the fact that the legislative basis for pension security is based on more than two hundred normative legal acts. We have appointed some of the main laws for our people, on which the entire pension system of Russia is based.

Ninі in Russia zdіysnujuut come see the pension payments:

Let's take a closer look at the report of the fortune-telling, see the pensions of the okremo.

Strakhova chi labor

This type of pension security is beginning to develop in different times insurance drop, otherwise it seems that pensions are getting better people at different times of retirement offensive factors:

nakopichuvalna

Which type of pension security can offensive features:

the right to an accumulative pension can only be obtained by those citizens of Russia, as people, not earlier, lower in 1967;
accumulative allowances of a suvoro personifikation and without intermediary recognition for paying a person, like bringing in qi koshti;
Koshti behind the accumulative system are not indexed;
zbіlshennya koshtіv koshtіv koshіchuvalії pension іdbіvaієє z sdpomomogou _investuvannya і raznі projects.

Pay from the state pension security

Whose kind of pension payments should be approached categories of people:

You can reach the sovereign pension security come on viplat:

pension for the service of the rokiv;
old age pension;
disability pension;
social payments.

Nederzhavna

Pension security of which mind can be taken away pennies, as if they are paid to a huge man from a private pension fund. When it is important to understand that the budget of such non-state funds It is formed exclusively from voluntary contributions, the expansion of which is determined by the Pension Agreement.

Up to number wins Non-state pensions can be secured with such important moments:

the possibility of choosing a period for withdrawing a pension;
self-determination of rozmіru viplat;
the possibility of establishing a rozmir of voluntary pension benefits;
statement of legal receivers at the time of the death of the contributor;
competently investing the investments of money from the method of their profit;
zruchny schedule for making pension payments.

Varto also signifies the fact that a non-state pension is paid according to given bank details, however, it is possible to establish a different periodicity of payments.

V_k retirement

Russian legislation is clearly intelligent age-old qualifications for retirement for old age:

However, varto vrakhovuvat those who have easy exit order retired, like us in front of the mindset of the future professions:

Rosrahuncu algorithm

The repayment of the labor pension for old age is carried out on the basis of an accrued formulae:

Rp \u003d Spb * Kіp * K + Pf * K

Apply the calculation in different situations

In order to better understand the order of rozrahunka of different types of pensions, we will instruct a little practical calculation.

Gromadyanin Petrov Viyshov retired for 55 years.
The work experience is 15 years, and the amount of pension points is 140.

Vyhodyachi z vishchevkazanї formulas, the size of the pension becomes: 140 * 71.41 +4383.59 = 14380.4 rubles.

Example 2. Reimbursement of accumulative pension.

Hromadyanka Ivanova has a work experience of 15 years, the average salary for this period was 20 thousand. ruble

Salary costs, deducting this period, add up: 20000 * 15 * 12 months = 3.6 million rubles.

With the withdrawal of sums taken less than 22%, otherwise apparently, 3.6 million rubles. * 22% = 792 thousand rub.

Accumulative pension will be insured as follows: 792000/228 = 3473.68 rubles. It is important for anyone to understand that 228 is the average statistical period of payments.

Indexation of pension funds

Nasampered, varto indicates the fact that the Pension Fund of Russia has a large index of pensions for the population. It is said, nasampered, about those who are constantly increasing the rate of inflation, and the increase in prices.

Remain indexed in the fierce fate of 2016, after which, the expansion of the pension may look like this:

old age - 13 thousand. rubles;
social - 12.9 thousand. rubles;
from the national disability - 30 thousand. rubles;
for VVV veterans - 32 thousand. ruble

Varto also guess that the unfavorable economic situation in the country has led to a significant change in state subsidies, which is seen in pension security. For example, indexing social payments pratsyyuchim pensioners ceased to іsnuvati.

In this manner, we have tried to report on the main aspects of pension security in our country. Let's hope that the information posted at the article will become for you more familiar material in the field of pension security.

About the rules of the pension fund, help to marvel at the coming video story:

Spending every day for a year on a day at work, you form your pension.

But can you tell me what the next payment will be?

Most people take their pensions like a lottery: "I will live - I recognize that the power has appreciated me to some extent." And they try to pay more, without delving into the mechanisms of the payment of pension payments.

What is a labor pension

Zgidno federal law labor pension - Schomisyachna payment penny koshtіv with the method of compensating the salary of the insured person, as it became unprofitable when reaching a pension age or having a disability.

Retirement life for people 60 years, for women - 55 years. Necessary mental to withdraw your pension the presence of a minimally installed virobnic experience.

For otrimanna minimum pension due to old age it is necessary to retrain less than 5 years. Starting from 2015, this term will be more widely used on the river, the docks are not within reach of the sign 15 years in 2025 years.

To get a full pension, a mother needs 25 years of experience for men and 20 years for women. At what sum is formed on the basis the total number of years of practice, assigned to the work book.

Less official experience is covered, which is logical: more part six-monthly payments form contributions to the pension fund, which are taken from the worker's salary.

The insurance experience can be additionally gained from such vipadkas:

when looking after a child up to 1.5 years old;
for an hour I will look after a special elder 80 years;
for an hour I will look after the disabled person of the first group or the child, what kind of disability can be any group;
with otrimanni dopomogi z bezrobittya.

However, the number of withdrawals does not replace, but supplement the work experience during the insurance coverage. In other words, the labor book may have a record of labor activity until or after the present one of the vipadkiv, the appointment of more. So it will be necessary documented confirm the appointed more furnishing, otherwise the stench will not be protected under the hour of the work experience.

Reimbursement of labor pension

Let’s designate before us how to establish a massive increase in pensions insurance and cumulative parts. Global support for robots to the pension fund 22% .

When tsimu have practitioners 1966 roku narodzhennya ta older usi 22% go for the insurance part, just like practitioners younger 1966 the fates are right to virishuvati, chi see all 22% on the insurance part of chi viddati 6% for savings.

Reimbursement of pensioners to spend money on the formula MF + LF, de MF - insurance part, and LF - accumulative part.

Obviously, for people older than 1966, the accumulative part is not insured, for a rare fault - the period of 2002–2004 years, companies insured part of the pension payments for the accumulative part, but hundreds of such firms are meagerly small.

The insurance part is covered by the formula MF \u003d PC / T + B

De:

Let's hear the report on rozrahunkovy pension capital. Until 2002, the pension system was regulated a little less, less than no. Retirement capital rozrakhovuvavsya izhodyachi іz zagalnogo work experience and the average salary for the rest 2 years of experience or for 5 years of the entire working period.

After pension reform 2002, the PC is formed exclusively for the account of repayment and is fixed on the special account of the practitioner at the pension fund ) . In order to increase part of the pension earned before 2002, the state ordered sum of valorization. Tsya sum 10% pension savings until year 2002 + 1% for the latest work experience until September 1, 1991.

In this rank, the rozrakhunkovy pension capital is known for the formula PC = PC1 + CB + PC2

De:

PC1 - rozrahun's sum of capital accumulated before 2002;
SV - sum of valorization;
PC2 - pension savings, which are being respected after the year 2002.

The sum of the monthly payment is foldable: PC1/T + SV/T + PC2/T + B + PN/T, de PN - pension savings.

You look like trochs lakayuche, right? In fact, the formula to finish is simple. And for the quiet ones, who, having opened their career after 2002 rock, PK1 and SV did not start.

New rozrahunku system

The main innovation of the system was the introduction ready pension coefficient (PC). Vins are insured as an insured by a robot provider insurance payments (CB), for choice - 10 or 16%, up to the maximum allowable by law extra taxable salary (VZ), multiplied by the maximum PC value.

Vzagali, the pension coefficient can become a new tool for the appearance of people's pension rights. All pension entitlements withdrawn until 2014 inclusive will be converted to pension coefficients automatically from 2015 onwards.

For people who cannot afford to work at the link with the reasons given below, special pension coefficients are introduced:

military service;
looking after a child, a disabled child;
sight of a disguise older than 80 years.

If so, there are more children, then the higher the coefficient (for rіk):

1.8 for the first paper;
3.6 for a friend child;
5.4 for the third and fourth child.

Oskіlki the main role of the rozrahunka pension in the pension coefficient, the new formula looks like a mother SP \u003d (EF x CPV) + (IPK x CPV x SPC)

De:

SP - insurance pension;
FV - fixed fee;
IPC - individual pension coefficient, the sum of all pension coefficients of the population for the period of work;
SVK - the variance of the pension coefficient, which is established by the power;
KPV - premium coefficients, recognized by different people, as a citizen of Ukraine, a pension of the term established by law.

Two facts immediately fall into the eye: the more you work, the greater your pension, and the greater your salary, the greater your pension. Well, take everything logically.

For the quiet, who vyrishiv dedicate their lives robots in the rural area, є good news: with reaching 30 years of experience, the salary is fixed by 25% more(For mind, scho hulk to lose his life there).

Online calculator on the website of the Pension Fund

All these formulas, old, new systems - not for skin irradiation, are analyzed in the intricacies of formulas, coefficients and rozrachunkiv. To the very same pension calculator on the PFR website, it would have been b, guilty of the article best solutions to predict your future pension

But not everything is so clear cut.

Let's take it seriously, the online calculator of representations by the FIU retailers is not suitable for those who:

already deducting the pension, the oskelki are already recognized as pensions under the hour of the transition to new system will not be overreacted;
doopratsovuyut rest 3-5 years before entering the merits of retirement. In your opinion, the pension will practically be formed on the basis of the old system, as it works until 2015;
є military serviceman, spіvrobіtnik of law enforcement agencies chi IP.

The interface of the calculator on the website of the Pension Fund is really simple: tell you advice for 11 meals, and the system, on the basis of your opinions, will itself pay the monthly payments that are predicted.

Instruct from the input fields in the relevant paragraphs of the questionnaire to put a sign of nutrition, by clicking on which you will accept a comment about a particular indicator.

To give respect to the warning in the annotation about those who are given as a result of the rozrahunka are not guilty of being taken as a real increase in the future pension. Tse pov'yazano z scho, scho all rozrahunki provadyvaetsya in the minds of 2015 rock.

You can experiment with the numbers in the columns, length of service, salary, the option of pension security in the OPS system and wonder how your future pension will change.

Zagalom rozrahunkiv system, as indicated on the website of the FIU, wear smart character and allow you to take away a clear statement about the increase in the insurance pension for old age.

As if you’re ready to go into retirement at any time and you’re going to have a hard time, then for an independent rozrahunka you will have to use the best calculator and sort out roses about the order of the rozrahunka of your future pension ( http://www.pfrf.ru/grazdanam/pensions/kak_form_bud_pens/).