Формула

calculated using the Social Fund formula – May 12, 2024 – Russia today Posting in CHAT: Russia If there are suspicions that the pension was assigned incorrectly, contact the Social Fund for clarification and, possibly, recalculation Source: Artem Ustyuzhanin / E1.RU Changes in the pension system that have occurred over the past decades still cause many difficulties for people who are When they retire, everyone must understand the details and things that simply did not exist until recently. We have already told you how to withdraw your funded pension before retirement and who can retire before others. Today we will talk in more detail about pension coefficients - they affect both the size of your future pension and when you will go to this pension. Let's figure out what pension coefficients are, where they come from and how to check how much you have personally saved. The individual pension coefficient (IPC), or points, is an indicator on which the size of your pension depends. Points are awarded for each year of work or other activity that is taken into account when calculating the pension. If you are working, the number of pension points depends on your salary. They are calculated using a special formula: wages for the year must be divided by the base for calculating insurance premiums and multiplied by 10. A single maximum value for the basis for calculating insurance premiums is established by the state every year. So, in 2023 it amounted to 1,917 million rubles. Let's say that during 2023 you received 50 thousand rubles a month before taxes, and during the year you earned 600 thousand rubles. We divide 600 thousand by 1.917 million and with rounding we get 0.313. Multiply by 10 and get 3.12 points. If you are unsure of your annual salary (for example, it changed from month to month and you do not remember the exact amounts), the data can be found in table 2-. Personal income tax certificate. It can be ordered from the State Services or from the employer, and the information is also reflected in your personal account on the Federal Tax Service website. The maximum number of points you can earn in a year is 10, but that's if you earn an amount equal to or more than the maximum premium base. That is, to get the maximum number of pension points, you needed to earn about 2 million rubles in 2023. If you are not working, this does not mean that you are not eligible to receive pension points - some periods of your life are included. in length of service and pension points, since they are also awarded. For example, when caring for the first child under one and a half years old, 2.7 points per year are awarded, for the second - 5.4, for the third and fourth - 8.1. 1.8 points are awarded for each year of caring for a disabled person of the 1st group, a disabled child or a person who has reached the age of 80, as well as for a year of military service according to your individual coefficients. You can find out from the Social Fund, including through your personal account on the website or by requesting an extract through the State Services account. The IPC system was introduced quite recently, in 2015. However, pension rights received before this were also recalculated into coefficients - since 2002 according to the current scheme, and for the Soviet period of service and the service record of the nineties, the calculated pension capital is taken as the basis (it was determined according to 2002 data), increased by 10% plus 1 % for each full year of “Soviet” service. The Social Fund makes accurate calculations. When a person retires, its size is also calculated using a special formula: it is necessary to multiply the number of pension coefficients by their value and add a fixed payment to the resulting amount. The fixed payment in 2024 is 8134 rubles 88 kopecks per month, and the cost of one pension coefficient is 133 rubles 05 kopecks. Now, to retire, only age and length of service are not enough - you need to accumulate more points Source: Serafima Pantykina / City portals Let's try to calculate the pension of a person who will retire this year. Let’s say that over all the years of work he has accumulated exactly 28.2 pension points - this is the minimum without which he is not entitled to receive an insurance pension in 2024. We multiply them by the cost of one pension coefficient and get 3,752 rubles per 1 kopeck. We add a fixed payment to this amount and get the final pension: 11,886 rubles 89 kopecks. However, according to the law, the pension cannot be less than the minimum subsistence level for a pensioner, which is established separately in each region. There is also an average for the country - in 2024 it will be 12,363 rubles. The pension should not be less than this amount; if you received less, contact the Social Fund. If the regional cost of living is higher than the national average (in Chukotka it is, for example, 34,686 rubles), then the pensioner should be paid in addition to this level. Source link Source link