Many citizens in Russia are interested in the minimum length of service for a pension. It is not enough to reach retirement age. To receive normal payments for pensioner status, you need to work for a certain time in your life. In the Russian Federation, the pension system is constantly changing. Therefore, I want to know how much you need to work out so as not to be left without a pension in old age. What do the rules established in Russia say in this regard?
Retirement age
The thing is that the most important thing for assigning a pension is achieving retirement age. That is, every citizen in a given period of time will have the right to receive payments for his status.
The minimum length of service for a pension varies from year to year. In Russia, it is planned to increase it until 2025. But retirement age is a more stable component. At the moment, citizens of the Russian Federation can count on retirement benefits from 55 years old or from 60 for women and men, respectively. In the near future it is planned to raise the retirement age to 63 and 65 years.
Social pension
Much depends on what kind of retirement benefit is involved. There is a social pension. It is paid to all citizens who have reached a certain age. But not what was given earlier. 55 and 60 years old are age limits for those who rely on insurance benefits. Or labor.
What should be the minimum length of service for a social pension? It may not be at all. This payment is due only to those who have not scored the established minimum by the specified age. A pension of a social type is assigned to men at 65, women at 60.
Before
And now it’s worth learning about seniority. Any activity is taken into account. For example, entrepreneurship. Seniority for retirement is extremely important. In Russia there are special periods of work that are not considered work, but count towards the calculation of pensions. About them - a little later. First you need to find out how much a citizen has to work to receive non-social type pension payments.
The minimum length of service for a pension used to be 5 years. That is how much each citizen had to work out in order to receive pension payments by old age or by labor. But since 2015, much has changed in the pension system. And now in the Russian Federation there are other calculation rules. The so-called point retirement system has appeared . Not only the worked years are taken into account, but also the points awarded for a given period of labor. So how much should citizens now work to receive state assistance for pensioner status?
2016 year
The question is very difficult. After all, as has already been said, in Russia the pension system is undergoing serious changes. So, you have to prepare for the fact that it will constantly change. You can only find out information that is relevant for a particular year.
The minimum length of service for calculating a pension in 2016 is 7 years. And at the same time, at least 33 pension points should be collected from a citizen . They are important in calculating the size of pension payments. Each year of work is a certain amount of points. You can find out about them in the FIU.
It is important to consider that only formal employment is taken into account. Therefore, "black" work is not taken into account in seniority. Only entrepreneurial activity, as well as periods of official employment, which were listed in the work book.
Future plans
What is planned next? It has already been said that the pension payment system is constantly changing in Russia. It is planned to seriously change the minimum length of service that is required to receive an insurance or labor pension. How old are you?
The population of Russia should prepare for the fact that it will gradually take 15 years of official work for this purpose. As noted, previously, the length of service was to be at least 5 years.
Accordingly, you will have to think about retirement in advance. And many will be able to receive only a social pension at a certain age. This must be taken into account. The bill has already been adopted and entered into force. From now on, annually the minimum length of service for a pension will be increased to the indicated values.
Unearned periods
Work is not only official employment. The thing is that citizens have the opportunity to set off unearned periods in their seniority. That is, moments when a person did not work, but performed other functions. But which ones?
The minimum length of service for calculating a pension in 2016 is 7 years, in 2015 it was equal to 6. Not only periods entered in the work book or which are considered to be business activities will be taken into account, but also:
- leave to care for the baby (1.5 years for 1 child);
- Military service;
- public service;
- caring for a disabled or elderly person;
- periods of receipt of temporary disability benefits.
It is not so simple to independently calculate how much a pension will be in a particular case. But the length of service is not difficult to determine. It is enough to collect all the certificates that indicate the previously listed periods. It is also worth paying attention to the fact that entrepreneurial activity is also work. The period of stay as an individual entrepreneur will also be taken into account in calculating pensions. It is recommended to use a special calculator for calculating seniority, as well as retirement points to translate ideas into reality.
About the calculator
What good is this service like? The thing is that calculating seniority, as well as understanding how much you can get in the form of pension payments, is very problematic on your own. In particular, due to the fact that with the introduction of a point system of pension payments, you have to find out how much 12 months of labor "cost" in a given year. To facilitate the implementation of ideas, a calculator for calculating seniority and future pension was created. You can find it, for example, on the official website of the FIU.
According to the input data, the period of labor of the citizen will be calculated, as well as the amount that a person will receive on a monthly pension. Usually you need to enter:
- periods of work;
- vacation;
- data on unearned periods included in the length of service;
- business hours;
- salary in certain periods.