The minimum pension for old age, which is included in the concept and some issues related to its appointment?

Under the Law of the Russian Federation, the minimum pension for old age is equal to today's subsistence level. Often ask questions about how many years of experience should be, that after retirement, a minimum old-age pension was appointed . The law gives the following answer: a social pension will be established by a citizen if he does not have the right to receive a working pension. In other words, if you do not have experience and earnings, documented, then you will receive a social pension in any case.

What is behind the concept of a minimum pension

Those who have worked for a long time since 2002 are guaranteed a pension for work. If there is no seniority or a certificate of wages, a minimum old-age pension will be assigned. All other accumulations that a citizen will receive at retirement age, he makes himself. Thus, the personal responsibility for how you will live in old age, falls on you.

If today you work without registration of work experience or for a "minimum salary", helping the employer to evade paying taxes and getting the so-called "black" salary, he pays the contributions to the pension fund at a minimum. The average earnings, as well as the trainee ratio, for which your pension will later be calculated, will be minimal.

In the Law there is no concept of "minimal old-age pension", it says that if you do not have enough seniority and average earnings for calculating a pension, then you will be assigned a social pension, the amount of which in 2012 is 5122 rubles, that is, the subsistence level. If you receive a pension due to low earnings will not reach the subsistence minimum, the state will pay it beforehand.

The most typical questions on calculating pension

On forums on the Internet, people ask typical questions about the calculation of pensions: how, when, how is the minimum old-age pension calculated.

• Why do you have a long pension (indicate between 26 and 45 years)?

The fact is that many indicators affect the calculation of a pension. In addition to the trainee coefficient, which has a constant value and grows along with the experience (having a limit of 0.2), the salary is also taken into account, which is considered according to a separate formula. I will explain by example:

For example, in a person the maximum ratio of trainee is 0.2, and the salary indicator is the minimum (there were not many people earning), then the pension can be calculated as follows: 0.2 x 1.42 x 1671 = 474.574. We consider further: (474,574-450) х228 = 5600,59, that is a little more than the subsistence minimum. If there is, on the contrary, a high salary, but a small length of service, the trainee ratio will reduce the total amount of future pension. Both indicators have a "ceiling", above which their value in the calculation formula can not be.

So your future pension, one way or another, but limited, its maximum value can be about 8-9 thousand today. In the future, in accordance with the Law, the pension is indexed annually depending on inflation.

• What is the minimum old-age pension and when it is assessed, does the lack of a work record affect its size?

The scene seen in the dental clinic comes to mind when the doctor asks the nurse if he will accept the homeless man the policeman brought back and said: "My dear, well, he's ours, a Russian!" And put him, dirty and unwashed, in a clean medical armchair . So the state will give a social pension to any citizen of Russia, regardless of whether he has a work record or not.

The minimum old-age pension is equal to the subsistence minimum for a given period of time (since this value is not constant). He will be at the same time the same for a citizen with a work record and insufficient work experience (for example, from 5 to 10 years) and for someone who does not have a book. The pension will be social. The pension is calculated when the retirement age comes and the minimum old-age pension is assigned.

• Is there any difference between calculating a pension without experience and charging it on the submitted certificate of wages.

There is, because without a length of service, a fixed social pension is set equal to the subsistence minimum for the current period of time, and if you have the length of service and the salary certificate, the pension will be calculated in accordance with the Law. Not the fact that it will be much more than a social pension, but it will be calculated, whereas without a certificate of earnings, it will be appointed. Later, with annual indexation, these pensions will increase by different values.

What awaits future pensioners

The country reduces the number of able-bodied citizens, due to which a pension fund is formed and pensions are paid. At present, the number of working people in relation to pensioners is equal to the figure of 1.7. In ten years this ratio will become unequal, there will be more pensioners than working people. The government may be forced to take unpopular measures, such as increasing the retirement age.

In such circumstances, the accumulation of pensions can be crucial, since the state is not able to maintain a large army of non-working citizens. Therefore, the earlier the citizens themselves become puzzled by the problem of the future life in retirement, the better and better will be their life in old age.