Payment of pension to working pensioners in the Russian Federation

Over the past few years, the legislation has adopted a number of reforms that have affected pension payments to various categories of citizens. So, for example, from 2016, the indexation of payments to pensioners who continue their work activities was terminated. However, this action was carried out with a remark stating that when a person decides to complete his work experience, all payments and the proper return of indexation will be compensated. This is the main significant difference. In other respects, the pension is paid to working pensioners on the same terms as those who have already completed their activities and are on legal rest and provision of the state. But contrary to forecasts, these payments remain. The specifics of the payment of pensions to working pensioners and their calculations will be discussed in this article. For quite some time this sphere remained stable, but several years ago it began to undergo radical changes.

The essence of pension reform

A fairly significant change in the law began to undergo in 2013. It was at this time that two documents were signed, constituting a new legislative basis. The first one says that any pension of a person is subject to insurance, and the second - that it has a cumulative basis. Since the bills were supported by the majority, since 2015 all the changes have come into force and began to function at the legal level. Accordingly, the universal fixed value of the pension does not have any more.

Most experts who analyze new regulations say that they will not bring anything good in the general sense. First of all, the financial situation of the state budget may worsen, as private insurance and pension companies offer the most favorable conditions for cooperation with pensioners. Transfer from the state PF of their own savings becomes a popular practice. According to many experts, the bill on the specifics of the payment of pensions to working pensioners is a consequence of the reduction in the reserves of the Russian Federation. It proposed to stop the indexation of payments based on age, those recipients who work together.

According to statistics, about 220,000 people are recognized as working pensioners. And if the cancellation of pension payments to working pensioners will be established by law, the state will be able to save about 16 billion rubles. After several years of work, this figure will amount to 60 billion.

What happened to the pension after the new reform came into force?

To a large extent, the reform obliged to form a new procedure for calculating the pension and the conditions under which it should be appointed. To date, the coefficients have already been introduced coefficients, the size of which directly depends on the history of the labor activity of the person: the total length of work, salary, the amount of deductions to the tax fund. According to the law of 400-F3, today the formula has the following form: JV (index of insurance of the pension indicator) = PKI (number of points scored) × CPC (cost in accordance with PKI) + FV (fixed part of pension payment).

According to the new rules adopted by the current legislation, from the date of entry into force of new requirements, the amount of pension payments is recalculated according to the established formula. However, the government asserts that all the conditions concluded earlier will be observed and taken into account when forming the final monthly payment.

Speaking about accumulation, we can say that the process of forming a specific monthly amount has not changed. All transformations are more concerned with the legal side, since a single normative document was created, in which all relevant provisions were prescribed.

Insurance part of working pensioners

According to the current labor legislation, in the event that a person officially has the right to retire, but did not do so for his own reasons, he is able to multiply his savings. To prohibit such activity with the approach of the corresponding age the state is not going to. But here is a review of the procedure, according to which the pension is paid to working pensioners, in his plans. If we talk about the insurance part, the order of its calculation has already undergone significant changes. Thus, if prior to the adoption of the new law the concept of a pension asset or capital was in effect, then to date all indices have been transferred to points.

The dispute is caused by Article 18 of the Federal Law "On Labor Pensions," which says that the accrual of the insurance part is made based on the data available on the person in the RF PF. However, in practice, individual accounting takes place, based on which the amount of payment is formed. Such methods presuppose an individual approach and analysis of each situation separately. The procedure has become much simpler with the advent of electronic programs capable of performing all calculations automatically.

Calculation of funded pension

The accumulative part is not taken for nothing. In fact, it is provided by people throughout their entire life. To date, it is common to distinguish three ways of paying the funded part: a one-time system, an urgent (as a rule, when a certain request is made) and a funded part (which is paid by the state for life after reaching the retirement age). Each payment is made exclusively individually and can have some nuances. The question of what kind of deficiencies the system has is considered in each case separately.

Amendment of the material amount to be paid as a pension

Back in early 2015, the government raised the question of how expedient it is to implement the process of accumulating pensions for those who are under the age of 1967. However, it is worthwhile to understand that those people who decided that it would be more profitable to transfer their own pension to non-governmental organizations could already form a funded system. Persons who have not submitted any application do not automatically participate in the accumulative pension process.

As a rule, any part of the pension payment can be adjusted in accordance with changes in the social or economic sphere of life. Most often it occurs in August of each year, where the calculation is made and the part that was not previously entered is calculated. In the event that the State Pension Fund has decided to adjust the amount of payment in an individual case, the person receives the missing amount after a couple of months from the date of application.

Decision to abolish indexation for the working category of pensioners

In 2016, on the initiative of the Ministry of Labor, it was decided not to index the payments for those who have already reached retirement age, but at the same time continue working. In addition, this law is valid until 2019. A similar situation was formed on the basis that those who receive wages do not need the indexation so badly, because they have an additional source of income.

In addition, the law on the payment of pensions to working pensioners provides:

1. Compensation after the termination of labor activity.
2. An increase in the fixed amount of the payment if the person is the guardian or the parent of the sick child.
3. Increase in payments after reaching eighty years.
4. Recalculation in case of disability or additional work experience, which was not taken into account earlier.

It is a mistake to think that with the adoption of the new law, the payment of pension to working pensioners is stopped. Only its indexation has been abolished. And under certain conditions, recalculation is also possible.

The size of the retirement pension

On the approach of 2016, the PF should have recorded the fact that a person, after a certain age, continues his labor activity. Additional information about the work must be provided without fail by a pensioner. If, for some reason, the person decides that he has the right to increase the pension, you can apply individually and apply for a review and recalculation of the amount available.

In addition, if the retiree resigns and no longer plans to work, he must also file this information with the pension department at his place of residence, since automatic indexing will not begin without it. As a rule, indexing always contributes to the increase in the size of the pension benefit payment. The necessary recalculations are formed at the end of the quarter. When determining the fact of a person's work after reaching a certain age, deduction of indexation is not provided.

Will pension payments be canceled for working pensioners?

In connection with the latest changes in this area, this issue worries many. The draft law on the payment of pensions to working pensioners provided for only the abolition of indexation. The issuance of cash benefits in connection with the return in the near future will not be canceled. Although the Labor Ministry offered new payments to working pensioners, according to which, they could be received by people eligible for this, with the amendment that their basic income does not exceed 1 million rubles a year. But such a proposal received 76% of negative votes when considered in public discussion. Therefore, the bill on the specifics of paying pensions to working pensioners was not adopted.

Conclusion

In 2017, the payment of pensions to working pensioners remains on par with people who have already refused to perform their duties. The only difference is the termination of indexing. But according to the Government, once a person makes a decision to end his activity, he will have the right to compensation.