Labor insurance experience and pension: how to prove how to calculate

Labor (insurance) length of service determines the amount of state payments to citizens of the country when they need them: temporary incapacity for work, sick leave, pension, childcare. The essence of such a state policy is that every needy should receive support, but more will be received by those who really deserved it by their continuous activity for the benefit of the state.

Hence the more seniority, the better. However, the law determines a lot of nuances. If you changed jobs, did you lose your experience? How is the total length of employment calculated ? Is it important that he was on the profile, by profession or not?

The concept of

Let's start with what exactly the law puts into the concept of " insurance experience ". These are periods of work when your employer makes contributions to the local pension fund from your salary . Immediately it is worth making a reservation, your work experience will cease to be calculated if you are arranged unofficially or arranged, but the employer (for any reasons only for him) does not pay deductions to the PF. Even if he is caught, by law he is only obliged to pay a fine for such violation, but not all those deductions that should have appeared on your personal account in the pension fund.

There is also the notion of " special insurance experience ", thanks to which the employee can retire early (according to the law: men - 60, women - 55). For example, work in the Far North and other (special working conditions) until 1.01.02. After this date, work with special conditions is not taken into account. This is the new legislation on the pensions of Russian citizens. This policy can be called economical, and it is associated with a lack of funds to provide retirement for future pensioners.

How to count?

The calculation of the length of service is made by summing up the periods of work activity, except for the period of study (if earlier it was taken into account, but now it is not). But the length of service includes the period of military service, if the citizen worked before it officially. It also includes a period of care for a child up to 1.5 years, receiving temporary disability benefits. If you lost your job and could not find another by yourself, you can get the status of unemployed in the employment center, and with it the allowance, until you find a more or less suitable place of work. This period is also included in the length of service. There are even more rare cases when your activity can be considered socially useful - caring for the disabled. Or the period of justified "unemployment" - the prosecution of the innocent (if it is proved). The calculation is full months and years.

How to confirm?

The insurance record is confirmed by entries in the work record book. A lost book can be replaced by an order for employment, an employment contract, extracts from deductions from wages, a statement. Basically, the data are compared with the data of personified registration of citizens as insured persons. Such accounting is conducted in local pension funds for each working citizen. In the court practice there were cases when the experience had to be proved by testimony, as the information was lost due to unforeseen circumstances. To calculate the special length of service, such indications are not accepted.

What affects?

The insurance accountant counts the accountant of the enterprise each time when the employee leaves on the sick-list to appoint payments on temporary invalidity. Also, the length of service determines the amount of the unemployment benefit and, of course, pensions.

What kind of pension awaits you?

And now the main question: how much work should be done to get a decent pension? At least 5 years of work (namely, insurance experience!) Will provide you with the same old-age pension payment - a living wage. And if you worked much more, the pension will be calculated like this. About 3 thousand rubles is the basic size of the SPE (insurance part of the pension); Plus the ratio of payments to the pension fund for the number of months during which the state undertakes to accrue a pension (today it is 228 months). And the amount of contributions in this formula is modified by the moment of pension calculation (inflation and other moments are taken into account). In any case, the pension will depend on the average wage. Therefore, if the work periods coincide (2 jobs), choose one where the official salary was higher for the Pension Fund. To the pension is added the accumulative part (the savings that you made yourself). So you can get about 7 thousand (with 15 years of experience and no savings). And with savings - 8 thousand. These calculations are rather rude, but should help the reader to orient in the pension system of Russia and in the requirements for length of service ...