Inheritance
03.08.2022

The latest edition of the law “On insurance pensions. The latest edition of the law “On insurance pensions Federal Law 400 pension”

400-FZ of December 28, 2013 was adopted in pursuance of the Constitution and in accordance with Law of December 15, 2001 No. 167. The purpose of the normative act is to provide citizens with guarantees in receiving funds in connection with the end of labor activity. Let us consider further some provisions of the Law "About insurance pensions".

general characteristics

The normative act in question determines first of all. At the same time, the importance of labor activity or other socially useful occupation of people in a state with a socially oriented economic model is taken into account. In accordance with the document, a material basis is formed for financial provision of citizens of specific categories to meet their key life needs. On the basis of this normative act, the subsidiary responsibility of the state is implemented.

Categories of citizens

Persons entitled to an insurance pension, are listed in Art. 4 commented acts. The following legal options are available to:


Special cases

The legislation provides for the right to early assignment of an insurance pension. According to the regulatory act under consideration, it can be used by citizens whose individual coefficient is at least 30 and who worked in special labor or climatic conditions. The relevant provisions are established in Articles 30-32.

Choice of payouts

Russian legislation establishes different ones. If the status of a citizen provides for the simultaneous receipt of several payments, then the subject must choose one of them. However, exceptions may be made for certain individuals. The relevant cases are established in Law No. 167. According to the normative act, simultaneous receipt of state security payments and an insurance pension is allowed. The calculation and provision of the latter are carried out regardless of the accumulative amount. A citizen can apply for an insurance payment at any time from the moment the corresponding right arises.

Classification

The Law in question defines such as:

  1. Due to old age.
  2. Due to disability.
  3. Due to the loss of a breadwinner.

For each type there are general and special rules receiving.

Financial support

It is established in accordance with Law No. 167. The standards define the procedure for financing the payment of insurance pensions, fixed amounts to them and their increases. If changes are made to Federal Law 400 that entail an increase in the cost of monetary support, corrective provisions must be adopted to the budget legislation for the current and upcoming periods. In addition, the Law on Financing the Pension Fund of the Russian Federation is subject to amendment.

Old age payments

Law " About insurance pensions" establishes the requirements that citizens must meet in order to receive the appropriate amounts. The main requirements are:

  1. Reaching the required age. For men it is 60, for women - 55 years.
  2. Having an insurance experience of at least 15 years.
  3. The individual coefficient must be at least 30.

Disability payments

Federal Law 400 establishes that the opportunity to receive amounts of money of this type can be taken advantage of by citizens who have 1, 2 gr. Recognition of a subject as disabled and the establishment of the appropriate group is carried out by the federal institutions of the ITU. The rules for conducting the examination are established in Law No. 181. The insurance payment is assigned regardless of the cause of disability or length of service. It does not matter whether the citizen continues to work or performs other socially useful work. The time of onset of disability (during work, after its termination or before entering the enterprise) is also not taken into account. If the subject has no insurance experience at all, he is assigned a social benefit according to the rules provided for in Law No. 166.

Payments due to the loss of a breadwinner

The disabled relatives of the deceased insured person have the right to receive a pension if they were his dependents. An exception to this category are subjects who committed a crime that resulted in the death of the specified citizen and was established in criminal proceedings. One of the spouses, parents or other family members can receive a payment regardless of whether they were dependent on the deceased or not. In a number of cases, the breadwinner in the family is recognized as missing. If there is an appropriate court decision, his relatives are equal to the relatives of the deceased citizen.

Disabled categories

Paragraph two of Article 10 of Federal Law 400 defines citizens who have the opportunity to receive payments due to the loss of a breadwinner. These include the disabled:


Nuances

Relatives of the deceased will be considered dependent if they received assistance that acted as a permanent and main source of income, or were fully supported by the deceased. A special provision in Federal Law 400 is provided for children. They are considered dependents by default unless declared fully competent by law or under 18 years of age. A disabled spouse or non-dependent parent can expect to receive a payment if, regardless of the time that has passed since the death of the insured person, they have lost their main and permanent source of livelihood.

Additionally

The insurance payment due to the loss of a breadwinner-spouse upon entering into a new officially registered marriage is retained. Adoptive parents and adopted children can also count on benefits on the same basis as parents and natural children. A stepmother and stepfather have the right to receive a pension in the same way as their own mother and father if they supported and raised the deceased child for at least five years. Payment to a family that has lost its breadwinner is provided regardless of the length of service of the deceased, time and cause of death. The exception is the cases defined in Article 11 of Federal Law 400. In accordance with it, if the deceased has no work experience at all or if disabled relatives commit a criminal act that resulted in his death, social benefits are accrued according to the rules of Law No. 166.

Came into effect in 2015 400 FZ on insurance pensions, which replaced the old law on labor pensions. Let's consider the main provisions of this legal act and what innovations it brought to Russians.

Federal Law No. 400 was adopted in 2013 and came into force in 2015. Since then, a number of changes and additions have been made to its text. Latest changes adopted in 2018:

  • March 2018. The text of the law was supplemented by Article No. 29.1, which regulates the procedure for posting information regarding the accrual of insurance payments and periods of seniority. From now on, this information should be posted in an open online source - the Unified Social Security Information System.
  • Since 2019, rural workers employed directly in the production or processing of agricultural products, or in related industries have gained the right to early registration of an insurance pension.
In addition, other amendments were made to the text of the law, mostly of a minor technical nature and not changing the meaning of the provisions Federal Law No. 400.

Conditions for assigning an insurance pension

Chapter No. 2 of the federal law stipulates the conditions for the appointment of insurance pensions. There are three such reasons:

  • When the employee reaches retirement age.
  • Receiving disability.
  • Due to the loss of a breadwinner.

Let us consider each of the listed motives in more detail.

By old age

Art. 8 Federal Law No. 400 on insurance pensions provides for the possibility of applying for an insurance pension to every citizen who has reached the established level. Previously it was 60 years for male part of the workers, and 55 – for women. With the beginning of the next pension reform, which was launched with the adoption of Federal Law No. 350, the pension threshold is planned to be gradually increased by 5 years by 2025.

For state and municipal officials, the retirement age was already raised in 2016, in accordance with Federal Law No. 143. This provision is reflected in subparagraph 1.1 of Article No. 8 of the law on insurance pensions. By the time the reform is completed, civil servants will retire at 65 (men) and 63 (women).

Persons who have an insurance record of 37 years (women) and 42 years (men) can apply for an early pension, provided they reach the ages of 55 and 60 years. Pensions for such categories of workers and employees are assigned 2 years earlier than the deadline established by Federal Law No. 350. An additional general condition for receiving an insurance pension for all other persons is the presence of a minimum length of service of 15 years, and 30 IPC points.

By disability

Art. No. 9 determines the right to an insurance pension for all citizens who have received any disability group. This right can be exercised provided that the person is a participant in the compulsory medical insurance system and has a personal insurance account with the Pension Fund. To assign a disability pension, you must have documentary confirmation from the medical and social examination organization.

If a person who has become disabled has no insurance experience at all, he cannot count on receiving an insurance pension. In this situation, he is assigned only a social benefit in the amount established by government decree.

On the occasion of the loss of a breadwinner

Federal Law No. 400 on insurance pensions also provides for the appointment of insurance payments to persons who have lost the only breadwinner in the family. All dependents who were in the care of a deceased citizen are entitled to such a pension:

  • Parents are pensioners, and in their absence, also grandparents of retirement age.
  • Parents, brothers and other relatives with disabilities.
  • Spouse in case of permanent disability.

Relatives of a deceased person are also entitled to receive a survivor’s pension if they took care of his former dependents: minor children, brothers, sisters, grandchildren, etc. In this case, relatives who are not children of the deceased are considered his dependents if they do not have able-bodied parents. Grandparents who are pensioners or disabled, in order to be considered dependents of the deceased citizen, must also not have other relatives who would take care of them.

Insurance experience

Federal Law No. 400 on insurance pensions introduced another innovation: it replaced the concept of “work experience” with “insurance”. determines what is included in it. This is the period of official labor activity on the territory of the Russian Federation, during which contributions were made to the insurance fund under the compulsory pension insurance program. If a person worked abroad, then this time is counted towards the length of service, if this is provided for in a special agreement, or when paying contributions to the Pension Fund.

The following is also included in the total insurance period:

  • The time a citizen completed military service in the ranks of the Armed Forces of the Russian Federation, or other paramilitary forces - the Ministry of Internal Affairs, the Russian Guard, the FSB, etc.
  • Being on sick leave due to temporary disability.
  • Caring for children until they reach the age of one and a half years.
  • A time of forced unemployment, if the wife of an officer or contract soldier, while living in a remote garrison, was unable to find a job in her specialty.
  • Residence abroad of spouses of Russian diplomats and consuls who do not have their own work at a diplomatic mission. The same applies to the spouses of employees of official representative offices of Russian government institutions - scientific, trade, production.
  • The time during which a subsequently rehabilitated person was forced not to work due to erroneous criminal prosecution.
  • Time devoted to caring for a disabled person of group 1, a disabled child, or an elderly person over 80 years of age.
  • Official registration with the employment center as an unemployed person.

Amount of insurance pension and fixed payment

With the adoption of Federal Law No. 400 on insurance pensions, their value began to depend entirely on the amount of conditional pensions accumulated by a person during his life - IPC. Since that time, the main unit for calculating the amount of a pension has become not the years spent working, but the accumulated pension points. To receive an insurance pension, their minimum number per year must be at least one. Every year this value will gradually increase until it reaches 30 points by 2025.

The total amount of the insurance pension today is made up of two values ​​- the number of IPCs and a fixed payment. If the number of points is individual for each employee, then fixed additional payments have a certain amount for each category of citizens. Thus, pension payments under the compulsory pension system are calculated according to the following formula:

  • JV= (IPK x cost) + FP
  • JV– the required amount of the insurance pension.
  • IPC- total
  • Price– conditional price of one point, which today is equal to 87.24 rub.
  • FP– the amount of fixed payments. Their size is RUB 5,334.19

It should be said that some social categories receive increased fixed payments. These include:

  • Disabled people.
  • Elderly citizens over the age of 80 years old.
  • Pensioners and disabled people with dependents.
  • Persons permanently residing in the north or having northern experience to their credit.

For such citizens, the amount of the fixed surcharge can increase significantly and amount to up to 24 thousand rubles.

The right to early assignment of an insurance pension

Some categories of workers have the right to count on early registration of insurance pensions. They acquire this right for various reasons, and, in accordance with federal legislation, beneficiaries include:

  • Citizens working in hazardous and hazardous enterprises. All such professions are divided into two lists, and persons who have worked in difficult conditions for a certain number of years ( from 10 to 15), can retire 10 years earlier.
  • Teachers and doctors who have completed the required special service – 30 years for urban residents, and 25 years for rural residents..
  • Residents of the northern regions and areas equivalent to those can apply for a pension 5 years earlier.
  • Visually impaired people, as well as people suffering from growth pathologies (midgets and dwarfs).
  • Mothers of many children who raised more than 2 children.
  • Representatives of small peoples of the north, Siberia and the Far East. The legislation classifies 39 nationalities as such nationalities.
  • Residents of rural areas engaged in agricultural production.

Experience for persons working in the Far North

People working in the northern regions and in areas equivalent to them retire earlier than other citizens. This is due to the difficult climatic conditions in which residents of the north have to work.

Persons with 15 years of work experience in the northern regions, or 20 years for equivalent regions, retire 5 years earlier. At the same time, it does not matter where a person lives after finishing his working career: he can leave the northern region, but the right to early retirement, if available, remains with him.

Attention! Due to recent changes in legislation, the legal information in this article may be out of date!

Our lawyer can advise you free of charge - write your question in the form below.

For many elderly citizens of Russia, pension accruals are the only source of income, and they are interested in all the details of the Federal Law on insurance pensions.

The existing one regulates the procedure and conditions for the payment of material resources to the population, as well as the grounds on which these funds will be paid.

The existing Federal Law on Pension Insurance operates in accordance with the Constitution of the Russian Federation and is aimed at protecting the rights of the population.

Legal legislation aimed at insurance of pensioners consists of the following laws:

  1. Federal Law No. 165 “On mandatory insurance at the social level.”
  2. Federal Law No. 167 “On pension insurance”.
  3. Federal Law No. 27 “On the registration of citizens in the system of compulsory pension registration.”
  4. Federal Law No. 166 “On pension provision at the state level.”
  5. Other laws adopted at the federal level.

From time to time, changes are made to the Federal Law on Insurance Pensions, which significantly affect the amount and procedure of payments.

Categories of citizens covered by Federal Law-400

Insurance benefits are provided for citizens who have reached retirement age. This age for women starts at 55 years, and for men – at 60.

Work experience is of particular importance. It must be at least 15 years old.

In addition to elderly people, the following categories of citizens can count on receiving payments:

  1. Disabled people.
  2. Persons who have lost their breadwinner.
  3. Citizens who have taken responsibility for caring for disabled persons.

Disabled people can qualify for payments, regardless of the age at which they lost their ability to work. In this case, neither the disabled person’s length of service, nor his income, nor age plays a role.

Important! Even minors can receive disability insurance benefits.

– the law on insurance pensions also applies to persons who have lost their breadwinner. Such persons may be minor children of the deceased who were in his care, or citizens who are unable to work due to disability or old age.

Attention! If a person who has lost a breadwinner does not work of his own free will, he cannot count on receiving payments provided for by Federal Law-400.

What documents must be submitted to receive benefits?

Federal Law No. 400 on insurance pensions in 2017 regulates the procedure for assigning payments. When a situation arises in which a person has the right to apply for a pension, he should go to the Pension Fund or multifunctional centers of his city to obtain detailed information about the conditions for payment of insurance benefits.

In order for the registration to be successful, the following package of documents must be attached to the written application for payment:

  1. Passport.
  2. Pension insurance certificate with individual number.
  3. Pensioner certificate (if assigned due to old age).
  4. Disabled person's certificate (if assigned due to disability).
  5. Survivor's death certificate (when survivor benefits are required).
  6. Work book indicating work experience.
  7. A document confirming the birth of children.
  8. Military ID (for males).
  9. Documents displaying periods included in the length of service, but not related to work.
  10. Information about the applicant's personal account.

These documents are thoroughly checked by the relevant authorities, and if everything is in order, then a monthly payment is assigned.

Basic legal definitions of Federal Law-400

The Federal Law on pension insurance may undergo changes every year, which are important to monitor. The terms of payments and the calculation of the insurance pension may change, but the concepts that make up the law always remain the same.

To clearly regulate this law, the following concepts are used:

  1. Insurance pension is the payment of material funds every month to citizens of the age required by law, to persons caring for such citizens or to disabled people. Such payments serve as a replacement for wages received during the period of working ability. The existing law on insurance charges does not require the provision of any evidence of disability.
  2. Insurance experience is the time of working capacity at an enterprise or in another field of activity for which insurance contributions were made to the Pension Fund.
  3. Personal pension coefficient is an indicator that determines the rights of a particular person to receive payments based on insurance contributions.
  4. The purpose of the insurance pension is to determine the timing, size and procedure for paying accruals.
  5. The cost indicator of the pension coefficient is a cost parameter that affects the amount of insurance accruals, depending on contributions and revenues to the budget of the Pension Fund.

There are also legal norms that determine the period of time included in the length of service, which plays an important role in the assignment of old-age benefits.

According to , in 2017 the following is counted as length of service:

  1. Military service in the army or under contract.
  2. An alternative to military service.
  3. Leave to care for a child up to one and a half years (in total, no more than 6 years can be counted).
  4. Receiving unemployment benefits.
  5. Imprisonment not carried out in accordance with the law.
  6. Care or guardianship of elderly citizens over 80 years of age, or disabled people.
  7. Staying with your spouse on the territory of a military camp during the period of his service under a contract.

These periods of time will be included in the length of service and will be taken into account when assigning an insurance pension according to the Federal Law Russian Federation.

For example, the old-age insurance pension is calculated using the following formula: pension * number of points scored by a citizen during the labor process * cost indicator of the pension coefficient. As you can see, no citizen can predict the size of his future payments, so the calculation is carried out directly at the Pension Fund, when the entire package of required documents has been collected.

So, it provides for the payment of benefits upon reaching old age, upon receipt of disability or upon the loss of a breadwinner. This legislative act regulates the procedure and conditions of payments, which are important to familiarize yourself with before the time comes to receive payments.

Federal Law No. 400 on insurance pensions is written with comments so that each individual person can get answers to their questions. In the comments to the Federal Law, persons approaching the time of receiving old-age benefits can familiarize themselves with all the basic concepts and understand the essence of the law in order to rightfully receive a decent payment.

2. The insurance period does not include periods taken into account when establishing a pension in accordance with the legislation of a foreign state.

5. When calculating the insurance period required to acquire the right to an old-age insurance pension by citizens from among the cosmonauts receiving a long service pension or a disability pension in accordance with Federal Law of December 15, 2001 N 166-FZ "On State Pension Provision in Russian Federation", the insurance period does not include periods of work (service) and (or) other activities preceding the assignment of a disability pension, or periods of work (service) and other activities taken into account when determining the amount of the long service pension in accordance with the specified Federal by law, unless otherwise established by an international treaty of the Russian Federation.

6. When calculating the insurance period, periods of work during the full navigation period on water transport and during the full season in organizations of seasonal industries determined by the Government of the Russian Federation are taken into account in such a way that the duration of the insurance period in the corresponding calendar year is a full year.

7. Persons who performed work under copyright contracts in the corresponding calendar year, as well as authors of works who received payments and other remuneration in the corresponding calendar year under agreements on the alienation of the exclusive right to works of science, literature, art, publishing license agreements, licensing agreements on granting the right to use a work of science, literature, art, if the total amount of insurance contributions paid to the Pension Fund of the Russian Federation from payments and other remunerations received under these agreements during a given calendar year amounted to at least the fixed amount of the insurance contribution for compulsory pension insurance, determined in accordance with the legislation of the Russian Federation on taxes and fees, the insurance period includes a period equal to a full calendar year (from January 1 to December 31), in which insurance contributions to the Pension Fund of the Russian Federation are paid from payments and other remunerations under these contracts. If the total amount of insurance premiums paid during a calendar year for these persons is less than the fixed amount of the insurance premium for compulsory pension insurance, a period (in months) of duration calculated in proportion to the insurance premiums paid, but not less than one calendar month, is included in the insurance period. (30 days). The period counted towards the insurance period in connection with the payment of insurance contributions to the Pension Fund of the Russian Federation from payments and other remunerations under these contracts, if there are periods of work and (or) other activities in the corresponding calendar year, other periods are taken into account in such a way that the insurance period for the corresponding calendar year did not exceed one year (12 months).

8. When calculating the length of service in order to determine the right to an insurance pension, periods of work and (or) other activities that took place before the entry into force of this Federal Law and were counted towards the length of service when assigning a pension in accordance with the legislation in force during the period of implementation work (activity) may be included in the specified length of service using the rules for calculating the relevant length of service provided for by the specified legislation (including taking into account the preferential procedure for calculating length of service), at the choice of the insured person.

9. When calculating the insurance period of persons specified in Part 1.2 of Article 8 of this Federal Law, in order to determine their right to an old-age insurance pension, periods of work and (or) other activities provided for in Part 1 of Article 11 of this Federal Law are included (counted) in the insurance period. Federal Law, as well as the periods provided for in paragraph 2 of Part 1 of Article 12 of this Federal Law. In this case, the specified periods are included (counted) without applying the provisions of Part 8 of this article.


Judicial practice under Article 13 of the Federal Law of December 28, 2013 No. 400-FZ

    Decision No. 2-1857/2019 2-1857/2019~M-1065/2019 M-1065/2019 dated August 30, 2019 in case No. 2-1857/2019

    Bor City Court (Nizhny Novgorod region) - Civil and administrative

    Ages 60 and 55 years (men and women, respectively) (Part 1.2 of Article 8 of Federal Law N 400-FZ). The procedure for calculating the insurance period is established by Article 13 of Federal Law N 400-FZ, according to Part 8 of which it is established that when calculating the insurance period in order to determine the right to an insurance pension, periods of work and (or) other...

    Decision No. 2-1874/2019 2-1874/2019~M-1776/2019 M-1776/2019 dated August 29, 2019 in case No. 2-1874/2019

    Salavat City Court (Republic of Bashkortostan) - Civil and administrative

    Book VT-I No. 3442240 dated December 31, 2015, certificates dated April 26, 2017 No. 345, dated April 20, 2017 No. 1175, archival certificate dated March 13, 2017 No. N-14, certificate dated April 24, 2017 No. 297, archival certificate dated February 11, 2017 No. 11-02-17, certificates dated April 12, 2017 ...

    Decision No. 2-2295/2019 2-2295/2019~M-1633/2019 M-1633/2019 dated August 27, 2019 in case No. 2-2295/2019

    Bratsk City Court (Irkutsk region) - Civil and administrative

    Article 4 of this Federal Law, provided that during these periods insurance contributions to the Pension Fund of the Russian Federation were accrued and paid. According to Part 8 of Art. 13 of the Federal Law of December 28, 2013 N 400-FZ (as amended on June 27, 2018 No. 8), when calculating the insurance period in order to determine the right to an insurance pension...

    Decision No. 2-2588/2019 2-2588/2019~M-2050/2019 M-2050/2019 dated August 26, 2019 in case No. 2-2588/2019

    Pervomaisky District Court of Murmansk (Murmansk Region) - Civil and administrative

    I conclude that the pension authority legitimately accepted the disputed periods for inclusion in the claimant’s insurance length of service in calendar terms. In accordance with the provisions of Part 8 of Article 13 of Law No. 400-FZ, when calculating the insurance period in order to determine the right to an insurance pension, periods of work and (or) other activities that took place before the day of entry into...

    Decision No. 2-910/2019 2-910/2019~M-808/2019 M-808/2019 dated August 19, 2019 in case No. 2-910/2019

    Kondopoga City Court (Republic of Karelia) - Civil and administrative

    Counting the period of military service into work experience in the Far North and recalculating the fixed payment to the insurance pension, since the provisions of Part 8 of Art. 13 Federal Law No. 400-FZ are applied only for the purpose of determining a person’s right to an insurance pension when it is assigned, but not for recalculating the amount of the assigned pension. After leaving the service...

    Decision No. 2-2273/2019 2-2273/2019~M-1733/2019 M-1733/2019 dated August 19, 2019 in case No. 2-2273/2019

    Krasnooktyabrsky District Court of Volgograd (Volgograd Region) - Civil and administrative

    And 1.1 tbsp. 8 of Law No. 400-FZ (taking into account Appendix 6 to the law), but not earlier than reaching the age of 55 years. According to Part 9 of Art. 13 of Law No. 400-FZ, for the purpose of determining the right to an old-age insurance pension, periods of work and (or) other activities provided for by Part...

Federal Law 400 “On Insurance Pensions” plays a huge role for all pensioners. The point is that the system is constantly changing. Therefore, every year we have to wonder what awaits people who have reached retirement age in a given period. Who is entitled to insurance benefits? How much support is provided for this type of pensioner? All nuances should be discussed in advance. After all, the latest changes that came into force in 2016 have seriously affected the pension system of the Russian Federation.

Conditions for payment

The first thing you should pay attention to is the conditions for the emergence of pension payments. 400-FZ dated December 28, 2013 clearly regulates the rules for establishing insurance pensions. If the conditions are not met, you will not be able to qualify for this or that support.

At the moment, it is said that the insurance pension is paid to all citizens who have reached retirement age. In Russia, women receive pensioner status at 55, and men at 60.

It should be noted that the age must be at least 15 years. That is, if during the specified time a citizen made payments to the Pension Fund, he has the right to such payments. But that is not all.

The thing is that Russia now has a system of coefficients. For each year worked, the citizen will be awarded certain points and coefficients. The latter must be at least 30. Only then will all the conditions for calculating insurance pensions for ordinary citizens be met.

For disabled people

But this is only one type of insurance support for the retirement age population. There are different options for the development of events. How is the disability insurance pension calculated and paid?

According to Federal Law No. 400 of December 28, 2013, all citizens who have been diagnosed with a disability at one age or another are entitled to this payment. It is calculated regardless of various factors that, for example, influence a similar payment, but for completely healthy people.

In other words, the disability insurance pension will be paid to everyone who has a disability. Neither the financial situation of a citizen nor his age is important. Even illness or other deviation does not play a role. If a person is disabled in groups 1-3, he has the right to insurance payments even if he is a minor.

For the loss of a breadwinner

There is another option for the development of events. The thing is that an insurance pension can be assigned due to the loss of a breadwinner. But in what cases and who has the right to it? At the moment, the law provides for the payment of a survivor's pension to all citizens who are dependent on the deceased. Again, age does not matter.

But Federal Law-400 “On Insurance Pensions” provides for one important point. Dependents must be considered disabled. If the person supported by the deceased breadwinner does not work of his own free will, one cannot count on support from the state.

What determines the size of the pension?

Now you need to understand what indicators will influence the size of pension payments. Who is entitled to an insurance pension? It is already clear that everything depends on the type of payment. But what factors have a direct impact on the amount of monetary support in this case?

Federal Law 400 specifies several points that can reduce or increase the amount of insurance premiums for the population. What exactly are we talking about? At the moment, based on the law, we can conclude that payments are influenced by the following factors:

  • individual contributions to the Pension Fund for the year from a citizen;
  • pension coefficient for a particular year;
  • work experience (indirectly).

Accordingly, the more a citizen has transferred to the Pension Fund during his life, the more he will receive. Work experience affects the number of points received by each employee. If a person has not reached the required minimum, he will not be able to receive insurance.

What counts towards labor duty?

What other features should you pay attention to? The thing is that the law on pensions (400-FZ dated December 28, 2013) provides for certain periods that are not work, but are counted towards the length of service. This is a very important point. After all, it is not always necessary to fulfill official duties. You can hope for an increase in seniority in the following situations:

  • military service under conscription (urgent);
  • alternative military service;
  • contract service;
  • parental leave for up to 1.5 years (but not more than 6 years in total);
  • the time when the citizen received unemployment benefits;
  • being in unlawful custody;
  • when caring for a citizen after he is 80 years old, as well as for disabled children and disabled adults of group 1;
  • time spent living with a spouse in a military camp while serving under a contract.

The above points can be attributed to work experience. Therefore, these periods of time will be taken into account when calculating the insurance pension. And work experience in general.

Calculus

How is the insurance pension calculated? This question also interests many citizens. The system invented in Russia does not require any serious knowledge from the population. They can independently calculate how much money they are supposed to receive as an insurance pension in a given case.

If we are talking about accruals for old age, as well as for disability, you will have to use the formula P = K * SK, where:

  • P - pension;
  • K - the number of points scored by a citizen during his work;
  • SC - the cost of 1 point at the time of assignment of the pension payment.

The amounts of old-age insurance pensions are now clear. But what if we are talking about payments made due to the loss of a breadwinner? In this situation, a similar formula is used, but in it:

  • P is the size of pension payments;
  • K is the number of points scored not by the recipient, but by the breadwinner;
  • SK - the cost of 1 point on the date on which the pension payment for the loss of a breadwinner is assigned.

There is nothing difficult about it. The main problem is that it is impossible to say exactly what the point value ratio will be in the future. Therefore, there is no point in making calculations for the future.

Fixed payment

The law under study provides for a fixed payment to the insurance pension in certain amounts. This is a kind of additional support from the state.

Payments must be indexed annually. Moreover, Federal Law 400 provides for a specific date on which fixed payments are increased. It's February 1st.

It should also be taken into account that from April 1, 2015, the Russian government has every right to appoint additional indexation of material support for citizens. But at the moment such conditions are not met. This has its own reasons.

Which ones exactly? These conditions are suspended until 2017. These changes came into force in 2015. Therefore, in Russia every year they try to increase fixed payments to insurance pensions, but it is not always possible to do this.

Exact amounts

Federal Law No. 400 “On Insurance Pensions” does not indicate the exact amounts to be paid in the form of fixed payments to pension contributions. This is a completely obvious fact, because these indicators change every year. What rules apply in 2016?

The thing is that additional payments are divided into several categories - for old age and disabled people of groups 1-2, and there are also separate payments for citizens with disabilities of group 3. In January 2016, the amounts were respectively 4,383 rubles 59 kopecks and 2,191 rubles 80 kopecks.

But since February of the same year, indexation took place. Now citizens receive, in addition to the old-age insurance pension, as well as for group 1 or 2 disability, 4,558 rubles 98 kopecks per month, and for group 3 disability - 2,279 rubles 47 kopecks. Not too big changes, but the main thing is that indexing happened on its own.

Where to apply to receive

What else should you pay attention to? The thing is that Federal Law-400 “On Insurance Pensions” specifies exactly how to receive these payments. Where can I go to obtain documents that allow me to assign such support?

At the moment, citizens have little alternative action. They have the right to appeal:

  • to territorial Pension Funds;
  • to the Pension Fund of Russia;
  • through the portal "State Services";
  • to multifunctional centers.

It is to these authorities that citizens who have a chance to receive an insurance pension must submit an application and a certain package of documents. The law under study also states that the employer has the right to represent the pensioner and apply instead to the above-mentioned bodies for the calculation of insurance payments. But this action is possible only with the written consent of the future recipient of the accrual.

Documents to be received

How do you even get an insurance pension in this or that case? Often citizens are entitled to several types of government support. In this case, you will have to choose which pension to receive. This is what the rules established in Russia say. Federal Law-400 “On Insurance Pensions” specifies a complete list of documents required for the appointment of state support. You must come to or any other organization that issues pensions with the following list of documents:

  • ID card (passport of a citizen of the Russian Federation);
  • SNILS;
  • application for an insurance pension (insurance payments must be indicated);
  • pensioner's ID;
  • employment history;
  • certificates and statements confirming certain periods not included in the work, but related to the length of service;
  • birth certificates of all children;
  • extract from the citizen’s personal account;
  • military ID (for men).

You will also have to take any evidence that the person does not receive any other pension. When a citizen applies to the Pension Fund, most likely this fact will be checked on the spot. If you want to receive funds into a bank account, please provide the bank details.

When it comes to disability or loss of a breadwinner, documents confirming the citizen’s disability will be required. Any certificates indicating the dependent’s incapacity for work (in case of loss of a breadwinner) are also provided. Of course, they may ask for the death certificate of the person who supported the future recipient of the pension.

You will have to contact the relevant authorities with all of the above documents. It is advisable to take copies of documents with you. Next there will be a check. And if all documents are in order, the citizen will begin to receive an insurance pension.

Not for all

Another important point is that in 2016, in order to receive the studied support for pensioners, you must have at least 7 years of work experience, and 9 If these conditions are not met, the citizen will be entitled to a social pension.

Also, survivor benefits are not provided to citizens who have a criminal conviction. Or if the potential recipient of insurance payments committed actions that resulted in the death of the breadwinner.

These are the main features that insurance pensions contain. establishes the basic principles for calculating these payments. But it is constantly subject to change. Therefore, it is difficult to say how the situation with insurance pensions will be in a few years. For example, raising the retirement age is currently being discussed in Russia. This step will leave its mark on FZ-400.
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