In 2002, the government launched a new reform that radically changes the system for calculating pensions. It is quite difficult to understand it. But for people who in 20-30 years will have to experience the results of this law, it is important to know by what principle the insurance part of their pensions will be calculated.
Instructions
Step 1
To calculate the insurance part of the pension, you need to know the total length of service, monthly salary, separately before 2002 and after it. Work experience means the period during which a person carried out an activity, from the income of which he paid pension contributions (from 8 to 14%).
Step 2
Take citizen Pronin, 45 years old, who has worked for 25 years. His salary until 2002 was 2,000 rubles, and after that - 5,000 rubles.
Step 3
To calculate the insurance part of the pension, you need to know what the total pension amount Pronin earned before 2002, that is, before the reform was adopted. To receive a full pension in Russia, a man needs to work 25 years, and a woman 20. For this length of service, 55% of the salary is due on account of the future pension. Thanks to this information, we get the first coefficient for the calculation - 0.55.
Step 4
To get the second coefficient, it is necessary to divide the salary for the 2 years preceding the reform (2000-2001) by the average salary in the country (at that time it was 1492 rubles):
2000: 1492 =1, 34
But according to the law, the ratio of earnings should be no more than 1, 2. this figure will be the 2nd component of the calculation formula.
Step 5
The coefficient 1, 2 is multiplied by the third denominator of the formula - the average level of wages in the country for the third quarter of 2001. According to the adopted law, it was 1,671 rubles. Ashamed with the first value, the following formula is obtained:
0.55 * 1.2 * 1671 = 1102 rubles.
Step 6
From the resulting amount, deduct the size of the basic part of the pension at the beginning of 2002. It is 450 rubles.
1102 - 450 = 652 rubles.
Step 7
The resulting number is multiplied by the expected period of pension payment. It is 19 years old or 228 months old.
652 * 228 = 148 852 rubles.
This is the amount of pension capital earned before 2002.
Step 8
The total pension capital is indexed. For 2002, a coefficient of 1, 3 was adopted. This means that the earned capital should increase by 1, 3:
148 852 * 1, 3 = 193 507 rubles.
Step 9
The next part of the pension capital will be counted from 2002, when the salary increased to 5000. Throughout this period, the employer paid 14% of the salary to the pension fund. The insurance part was relied on 12%. This means that in 2002 Pronin's pension capital was:
5000 * 0, 12 * 12 months = RUB 7200
Step 10
After the reform comes into force, Pronin will continue to work for another 15 years. Accordingly, the amount of the insurance part will increase.
7200 * 15 = 108,000 rubles.
Step 11
Let's calculate how much the entire capital earned both before the reform and after it will be:
193,507 + 108,000 = 301,507 rubles.
Step 12
In order to calculate the monthly insurance part, it is necessary to divide the entire capital by the estimated period of payments.
301 507: 228 = 1322 rubles.
This will be the insurance part of the pension.
Step 13
If the length of service is calculated after the adoption of the reform, it must be calculated according to the new rules: the average salary must be multiplied by the coefficient of pension contributions and by 12 months. The resulting amount is multiplied by the number of years of experience.
