Any pension consists of two parts: funded and insurance parts. The insurance part of the pension is created on the basis of insurance contributions that a person made after January 1, 2002, when mandatory insurance contributions were introduced and the pension capital was converted. The funded part of the pension is formed as a result of calculating the years that a person has worked over after reaching retirement age.
It is necessary
- - information about work experience;
- - the amount of charges to the Pension Fund on the day of the appointment of the pension;
- - the number of months during which the pension will be paid (they are established by law);
- - base rate;
- - the amount of accumulated charges.
Instructions
Step 1
Calculate the amount of the estimated pension capital that has accumulated in your account with the Pension Fund on the day of the appointment of the pension. In other words, this amount is equal to the sum of all accruals that the employer made to the Pension Fund to your account. Now the rate of pension contributions is 20 percent of the employee's salary.
Step 2
Determine the insurance portion of the pension. It is calculated by the formula: SCh = PC / K + B, where:
- SCh - the insurance part of the pension;
- PC - the amount of pension capital;
- K - the number of months during which, according to the law, you will be paid a pension (currently this figure is 204 months, and by 2013 it will increase to 228 months);
- B - the basic pension rate (for 2011 it is 2,963 rubles 07 kopecks, this indicator is fixed and set by the government of the country; you can find out about changes in the size of the basic pension rate on the official website of the Pension Fund of the Russian Federation).
Step 3
Calculate the funded part of the pension using the formula: LF = PN / K, where
- LF - the funded part of the pension;
- PN - the amount of pension accruals of a person on the account of the Pension Fund, which are intended for the funded part - this money is accrued monthly at the rate of 6% of the size of the employer's pension payments);
- K - the number of months during which the state is obliged to pay the pension.
Step 4
The full amount of the pension is determined by summing the insurance and funded parts of the pension.
