At the moment, the labor pension depends on insurance premiums; the calculation practically does not take into account the duration of the work experience. From 2015, a new procedure for the formation of pensions will come into force.
Instructions
Step 1
Labor pension will continue to consist of two parts: funded and insurance. But at the same time, the concept of "annual coefficient" is introduced to assess a specific working year of a person. This ratio is the ratio of the official salary to the approved maximum salary, from which pension payments are made. The value of this coefficient in the basic state cannot be more than 10.
Step 2
But this coefficient can also increase due to the fulfillment of certain conditions. So, for a year of experience between 35 and 45 for men and between 30 and 40 for women, one more point is awarded to the value of the coefficient. When the length of service reaches 40 years for a man and 35 for a woman, 5 coefficients are added at a time. The size of the pension will be calculated by multiplying the resulting coefficient by its annually indexed value.
Step 3
In this case, the coefficients are calculated both for the years spent in the army, and for the time devoted to caring for the baby (a lower coefficient will be charged for the first-born than for subsequent children). In this version of the calculation, you can find the roots of the rumor about an increase in the retirement age, the fact is that, taking into account the new calculation system, it will be more profitable to retire later.
Step 4
For example, if you postpone retirement for 8 years, pension payments will almost double, since the insurance part of payments will increase by 90%, and the fixed part by 73%. To receive the minimum pension, you will need to collect 30 points of the pension coefficient.
Step 5
The emergence of the new system will not affect the existing pension rights. The amounts of pensions formed before the introduction of the new system cannot be reduced.
Step 6
For those who were born before 1966, only the insurance part of the savings will be valid, persons born after 1966 will be able to choose a non-state pension fund to form the funded part of the pension.
Step 7
On the website of the Pension Fund of the Russian Federation, you can find a new calculator, with its help you can calculate the estimated amount of your pension.
