A decent pension payment that current employees will receive in the future should encourage them to increase their insurance savings. What gives the applicant additional points. The initial minimum determines the possibility of retirement at the required age, and processing determines additional benefits for the future pensioner. Indeed, the new pension legislation provides for an additional payment for a long working period. Under what conditions is the allowance provided, how much will they pay extra, and how to arrange it, we will try to figure it out in this article.

In 2018, you need to have at least 7 years of insurance experience to retire. This requirement is specified in the law. The minimum threshold will increase every year, and in 2025 it will reach 15 years.

General provisions

Applicants who want to receive a pension in an increased amount, initially need to understand what a pension is today. So, for future pensioners in 2018, an updated calculation formula is used. As a result, the guide is divided into two parts:

• fixed rate;
• insurance rate.

The first part of the amount is determined for all applicants who have reached the age required for retirement. The second part directly depends on the years worked and the points provided for them. Each point is eventually converted into a cash equivalent, which allows you to increase the amount of your pension.

Next level pension benefit depends not only on the length of service and indexation of the standard part of the amount, but on the income level of the applicant. But pensioners are entitled to benefits for men with a working experience of 35 years, they are provided to women from the age of 30. The preference is provided in the form of a supplement to the allowance.

Attention! With a working experience of 30-35 years for women and men, respectively, they can apply for an additional payment to the basic pension amount.

Federal law number 400 defines the features, conditions for granting benefits to pensioners with significant working savings. The project is dated 2013. It determines bonuses for 30, 35, 40 and 50 years of service.

In addition to additional payments to pensions, which are appointed in accordance with the draft law No. 400 throughout the territory of the Russian Federation, there are also regional benefits. They are assigned to pensioners for a period of work of 40 and more years. This may be a fixed material allowance and benefits for utility bills.

On a note! The most famous regional benefit, which is assigned after 40 years of work to pensioners of one of the subjects of the Federation, has become the "Luzhkov" benefit.

The amount of the allowance for pensioners with 50 years of experience

We have already spoken above about the possibility of obtaining material benefits for pensioners for the period worked. How is the amount of the benefit determined, taking into account standard pensions? Initially, we determine that as of 2018, the amount of the standard part is 4805 rubles. The surcharge for pension points is added to them, and it determines the second part of the pension.

The surcharge is formed by multiplying the number of points by the cost of one coefficient. This part of the amount directly depends on the level of remuneration of the applicant during the period of work. And for the "recycled" years of work, applicants are entitled to additional points, which are also transformed into a cash equivalent. So, for 30 (35) and 40 (45) years of the labor stage, pensioners will be able to receive the following benefits:

• 1 additional point for 30 years of work is given to women and for 35 years to men;
• an additional payment in the amount of 5 coefficients from above will be accrued after 40 years of work experience to female pensioners and men will receive the same amount for 45 years of work.

In 2018, the price of each ball is 78.58 rubles. But this figure is tied to the inflation rate, so it will constantly grow.

Attention! For a period of work of 50 years, the state determines the additional payment to the pension, in 2018 this is the amount of 1063 rubles. It is assigned to pensioners after fifty years of work in addition to those additional payments that applicants receive for all basic and additional pension points. Veterans of labor can apply for it.

Veteran of labor and bonus for 50 years of service, what is the connection?

Legislative norms do not define a separate type of additional payments for pensioners with 50 years of experience. Therefore, only labor veterans can claim benefits on this basis.

It will be possible to understand who such a labor veteran is by studying Art. 7 of the Federal Law "On Veterans".

Conditions for obtaining the title of veteran:

• a sufficient period for determining the allowance for length of service (age);
• Start labor activity during the Second World War;
• the presence at that time of 35 and 40 years of official years of work for women and men, respectively;
• having an honorary title.

To get a veteran's certificate, you need to prepare 2 photographs for documents, a passport, certificates to confirm labor. You will also need a document that can confirm the presence of the appropriate award.

Additional requirements for a potential veteran are determined by local authorities. Quite often, the applicant has to prove his right to a distinctive sign in the courts.

What time will be taken into account in the insurance stage?

So, in order to receive benefits for a working period of more than 40 years, pensioners need to have an idea about their insurance experience. Its duration is calculated taking into account the period of official work, when the employer pays contributions to the funds for the applicant. But there are other stages that contribute to the general insurance stage, these are:

• Military service;
• maternity period.

On a note! The period of study is not taken into account in insurance experience.

Allowance for servicemen to retired contract soldiers for 45 years

With a significant length of service, military pensioners (former contractors) are entitled to a significant surcharge, the amount of which depends on the size of the salary. So, with 40 years of experience, they will be assigned 40% of the salary to the pension.

Let's determine the amount of surcharges:

• 2-5 years - 10%;
• 5-10 years - 15%;
• 10-15 years - 20%;
• 15-20 years old - 25%;
• 20-25 years old - 30%;
• over 25 years - 40%.

The percentage in the table is the amount of the allowance, which is determined by multiplying the average salary by the specified percentage.

Bonus for work in the Far North

State benefits are provided for employees employed on conditions equivalent to this region. They are guaranteed early retirement. Different rates are set for women and men.

You can get your pension:

• for 15 years of labor for men in the Far North;
• for 20 years of work for men in conditions equated to the Far North;
• for 20 years of experience in the North and equivalent conditions.

Thus, having worked in these areas for the prescribed period, a man can go on a well-deserved rest at 55 years old, and a woman at 50 years old.

On a note! Fishermen, hunters and reindeer herders are entitled to another minus 5 years of service for retirement, provided they work in conditions Far North and other areas with the same climate.

Benefits for harmful conditions

The employer is obliged to pay plus 20 to 30% of the employee's actual official earnings. And since the amount of insurance contributions affects the final amount of the pension, this can be considered a kind of surcharge.

How to find out about benefits and get them?

Legislation Russian Federation and the legislation of the Moscow region provides that the premium for 30 (35) and 40 (45) insurance years is provided to the applicant automatically. And already the increase for 50 working years will have to be issued independently.

To obtain it, you need to write an application addressed to the head of the PF. It is also necessary to contact the territorial body of the pension fund at the place of residence in order to find out what benefits a particular subject of the Federation will provide to pensioners for 45 years of the working period.

When do you need to request a recalculation?

Apply to the PF registration, if an allowance for a pension for seniority is required. It is necessary to demand, provided that it was not possible to make an accrual earlier for one of the following reasons:

• the pensioner continued to work;
• the applicant could not prove this or that working period.

Additional payments for 50 years of work will be made under the following conditions:

• the number of years worked is sufficient for awarding a veteran title;
• the whole period of work can be confirmed;
• the pensioner stopped working.

Documentary evidence for the allowance for 50 years of service

We already know the conditions for assigning benefits, this is a certain number of years worked. If there is a 50-year working period, taking into account military service and a decree, you need to apply to the pension fund. To receive monthly allowances, you will have to provide the following papers:

1. Applicant's passport.
2. Retiree certificate.
3. Veteran's certificate.
4. State insurance information.
5. Employment book (certificate), another form that can confirm periods of work.
6. Details of the personal account in the bank, if it is planned to be credited to the card.

The applicant can initiate the recalculation of the insurance payment personally, as well as acting through a legal representative. If your interests are represented by a third party, he must have an appropriate power of attorney certified by a notary.

You can apply in the following ways:

• in person;
• through a legal representative;
• send by mail;
• fill out a form on the public services website.

What is continuous experience?

Features of the provision of allowances for a continuous working period are determined by Art. 28 of the Federal Law "On pension insurance".

In the draft law on pension insurance, it is determined that the presence of 30 (35) years of continuous service for women and men, respectively, gives them the right to increase their pension by 1% of the previously calculated amount.

An allowance for the "excess period" can be issued. If only the stage of work is taken into account, there must be at least 20 years of experience. If the payment is also calculated taking into account the level of the salary, then a 30-year insurance period is required.

Results

Long experience gives the applicant the right to additional preferences. Their main set is determined by the state. Additional preferences can be guaranteed by the region. For 30 years of work, a woman and 35 years of service for a man are entitled to plus 1 point to the pension, and 40 and 45 years, respectively, increase the amount of benefits by 5 coefficients. Each point is converted into a cash equivalent.

Additional allowances for pensions are additional payments:

• percentage of the rate for military contractors, the indicator depends on the length of service;
• in the amount of 1% of the total pension amount for applicants who have worked more than 30 and 35 years continuously;
• an amount that is indexed to inflation for labor veterans with 50 years of service.

The army service and the decree go to the general experience, but the period of study is not taken into account. In 2018, you need to have at least 7 insurance points. Requirements for this indicator are growing, increasing annually by one factor. In 2019, the minimum will be 8, and in 2025, 15 points.

• Question: What benefits does the state guarantee me if I am a labor veteran and my work experience is 50 years?

  Answer: In addition to the allowance for 50 years of work, which in 2018 is 1063 rubles, you are also entitled to the following benefits: free pass, 50% discount (compensation) when paying for a communal apartment, free prosthetics and vacation at a convenient time (if you are still working). The amount of the security directly depends on the region of your residence. For example, pensioners from St. Petersburg are given an additional preference in the form of a discount on travel in a suburban bus and railway transport from the end of April to the end of October. In Moscow, people with veteran status are completely exempted from fares in suburban transport.

• Question: Is there a surcharge for continuous experience in the same company?

  Answer: The allowance for 30-35 years of continuous work is provided for in the law, this is + 1% of the principal amount. But the benefit for continuous long-term employment at one enterprise was canceled long ago.

Last updated February 2019

In June 2018, the pension reform was launched (on June 16, 2018, a draft law on increasing retirement age).

The main idea of ​​the reform was to increase:

• standard retirement age (65 for men, 63 for women);
• age limit of the disabled (70 - men, 68 - women),
• the age level of certain categories (medical workers, teachers, theatrical figures, workers of the Far North, etc.).

Now the law is being proofread by the deputy, and public opinion is being assessed and the wishes and suggestions of the population are being collected. The incident received a great response. Some amendments have already been made to the bill.

On August 29, 2018, the President of the Russian Federation contributed to the reform aimed at softening the provisions of the project.

The main theses are:

• the general retirement age for women will be 60;
• women with children will be granted the right to early retirement (3 children 3 years ahead of schedule, 4 children 4 years earlier, 5 or more children will be allowed to retire at 50);
• the reform will not affect the benefits for the indigenous peoples of the North, the victims of the Chernobyl accident, certain privileged categories (chemical and hot shops, miners, etc.);
• the length of service for early retirement will be reduced (37 years for women and 42 for men, instead of the current 40 and 45, respectively);
• those who are currently on the eve of retirement are given the right to take a well-deserved rest six months ahead of schedule, that is, a man at 59.5 years old, and women at 54.5 years old.

But this is just a sketch for now. Whether the deputies will adopt the law, and in what edition time will tell. And now the situation is the same as before.

Currently, in order to enter a paid old-age pension and receive certain benefits, the following facts must be present:

• retirement age (for men at the age of 60, for women - 55 years);
• the presence of a minimum of 6 years of insurance experience;
• the value of the individual coefficient from 6.6.

The required insurance experience will gradually increase: from 6 years in 2015. up to 15 years by 2024 And the individual pension coefficient will grow by 2.4 points annually until it reaches 30.

Early retirement

The legislation of our country guarantees a citizen the right to access a paid old-age pension and receive certain benefits. The grounds for a general pension are regulated by Article 8 of the Federal Law No. 400.

But, there are a number of federal regulations that clearly regulate the grounds for the early appointment of labor pensions.

Early retirement at age 50 and earlier: list of persons and conditions for appointment

Articles 30,31 and 32 of the Federal Law No. 400

Articles 30,31 and 32 of the Federal Law No. 400 provide a guaranteed assignment of a labor pension to citizens whose seniority includes the following periods:

• Work in special territorial conditions;
• Activities associated with special working conditions;

The list of grounds is individual and quite extensive (). For example, it includes:

• women who raised more than 5 children, parents and guardians of disabled people from childhood.
• the right to early retirement belongs to disabled people: due to a military injury, with pituitary dwarfism, which has the first group of vision.
• citizens permanently residing or working in the Far North and areas equated to it, persons employed in underground, ore mining industries, doctors in rural areas, etc.

Professions that allow early retirement due to harmfulness are indicated by lists 1 and 2, approved by the USSR Cabinet of Ministers on January 26, 1991.

The procedure for assigning an early pension

• • When can I apply to PF? The appointment of a pension occurs from the date of application, but not earlier than the day the right to it arises. Before contacting the territorial branch of the Pension Fund, it is advisable to consult with its specialists or in the personnel department about required list documents.
  • How to submit documents? An application for the early appointment of a pension and the necessary certificates can be submitted by a citizen in person or sent by mail. The day of receipt of documents or the date on the postmark will be considered the day of circulation. They are confirmed by a receipt issued by hand or sent by mail.
  • If the list of documents is incomplete? The person has the right, on the basis of an explanation from the PF employee, to convey the missing documents. Subject to a 3-month period from the date of receipt of an explanation, the date of applying for a pension remains the day the application was received.
  • How long does it take for the PF to process an application? Pension Fund is obliged to consider the application and make a decision on the appointment within 10 days.
  • Can they refuse? In case of refusal, the citizen must be notified of this within 5 days. The notice must specify the reasons and procedure for appeal.

Early retirement in case of liquidation of the enterprise or reduction of personnel

Young people are dear to us everywhere, but an employee of pre-retirement age who has lost his job for the above reasons often experiences difficulties in finding employment. There is also a way out of this situation - to issue an early retirement.

The most essential condition for the appointment of premature provision is the age of the reduced one. The period remaining until retirement due to old age cannot exceed 2 years. That is, in the absence of other conditions, early retirement:

• for women is provided only at the age of 53,
• early retirement for men - at 58 years old.

The following conditions must also be met:

• Dismissal only due to a reduction in the number of personnel or during the liquidation of the enterprise. Other reasons, such as one's own desire or medical indications, are not provided for by law.
• The presence of 25 years of insurance experience - for males, 20 years - for women. The length of service may be less than the established one if the conditions specified above are indicated in Articles 30,31,32 of the Federal Law.
• A citizen must be recognized as unemployed and be registered with the Employment authorities.
• There should be no vacancies on the exchange that correspond to the education, vacancy and qualifications of a person who has been made redundant.

The right to early appointment of a pension is deprived of citizens who have faults that led to the termination of the appointment social benefits(reducing its size), or 2 times refused employment for suitable vacancies.

Rules for registration and appointment of early pension

For a working citizen after dismissal

• The employer is obliged to pay the employee severance pay within a 2-month period.
• If during this time it was not possible to find a new place, payments from former job cease, the citizen receives the status of unemployed and the right to receive benefits (if he independently registered with the Employment Center). The term of its payment is also limited by time frames and is no more than 12 months.

For the unemployed of pre-retirement age

For unemployed people of pre-retirement age with an insurance record of more than 20 years for women and 25 years for men, the payment of this subsidy may be extended. Each year worked beyond the length of service extends state provision for 2 week.

If the employees of the service experience difficulties with the selection of vacancies, they will offer the unemployed person in writing to exercise the right to early retirement. With this referral, the person must apply to the ROPF. This must be done within a month, otherwise the application will become invalid. The only valid reason for extending the term is an illness confirmed by a certificate of incapacity for work. With a positive response from the pension fund, the status of the unemployed is canceled and the payment of a pension is assigned. Early pension is paid before the start of the retirement age, then the transition is made insurance pension by old age.

Pension payments are compensated by the Pension Fund from the budget of the employment center. Therefore, the latter, when quotas are exceeded, are often denied the issuance of referrals. If a future pensioner is faced with an unreasonable refusal, in his opinion, he can file a complaint with the Ministry of Labor or can challenge the decision in court.

If a citizen finds a job or opens a business

Then the payment of early pension is terminated and resumed only after the dismissal or closure of the individual entrepreneur or legal entity. Therefore, it is worth deciding in advance on the choice (pension or salary), which gives the greatest income. About all changes (also about the onset of the age provided for receiving an old-age insurance pension), a citizen must independently notify the PF branches.

A package of documents for submission to the regional branch of the Pension Fund

Employees of the Pension Fund may request the following additional documents confirming:

• Change of personal data (full name);
• The presence in the family of disabled members and dependents (birth certificates, documents confirming their full-time education);
• Work experience in the Far North, in especially difficult and hazardous enterprises;
• Appointment of disability, etc.

Calculation of the amount of pension payments

The amount of the early pension is calculated in the same way as the method for determining the old-age pension and depends on:

• From the amount of payments in the PF;
• From wages.

Early retirement is also subject to government indexation and recalculation. In parallel, the citizen is granted the right to receive payments for long service.

If you have questions about the topic of the article, please feel free to ask them in the comments. We will definitely answer all your questions within a few days. However, carefully read all the questions and answers to the article, if a similar question has a detailed answer, then your question will not be published.

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Receiving pension payments in Russia is always based on work experience. Therefore, it is important to take into account all the features of the calculation of allowances.

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After all, there is an additional payment to the pension for work experience of more than 35, 40 and 50 years in the Russian Federation in 2019. And all calculations must obey certain formulas.

What you need to know

Since 2019, the government has introduced new formulas for the amount of pension payments. At the same time, it should be understood that these calculations are carried out at reduced rates for certain categories of citizens.

It is important to understand that the state increases pension payments for those pensioners who have a long record of service..

So, starting from 35 years of work experience, you can count on additional payments. And therefore, it is necessary to prepare for new norms for calculating such benefits.

Required Concepts

What does this security consist of?

It must be understood that in Russia the rules for accruing and receiving pension provision.

In 2019, these benefits consist of several parts:

Since the state wants to encourage the employee for the long-term implementation of work and deduction of taxes.

All increases will relate to the amount of the insurance part of the pension provision - since everyone can receive such a pension.

Legal framework

When dealing with pension savings You should rely only on current and new legal documents.

Since they can find reliable information in relation to any rules and regulations in the field of calculating pension benefits.

The main legal document in this regard is the Federal Law “On Insurance Pensions”. Thus, article 8 refers to the conditions that must be met in order to receive a payment.

A separate section is devoted to insurance experience in this law. There is information on what is the procedure for calculating working years, which years can be taken into account and which are not.

O pension payments in terms of the labor part, Federal Law No. 173-FZ “On labor pensions In Russian federation".

Here it is also necessary to take into account what length of service for excess work is counted:

1. With the duration of work, you can count on an additional payment even with an experience of 20 years or more.
2. If the consideration also takes into account the amount of wages, then an experience of 30 years is required.

At the same time, the continuity of labor in production or in an organization is not taken into account in the calculation. Since this kind of allowances in 2019 are not used and are not valid.