Russia (bbabo.net), - In February, old-age pensioners are entitled to an 8.6% increase in insurance pension. In January, it came with an indexation of 5.9%, but the president instructed to increase pensions ahead of inflation. Therefore, this month she will grow up a little more. And if last year the pension was, for example, 15 thousand rubles, then after indexation on January 1, it increased to 15,885 rubles, and taking into account the indexation by 8.6%, the pensioner will receive it in the amount of 16,290 rubles.
In fact, on average in the country, compared with last year, after February 1, the insurance pension increased by one and a half thousand rubles and amounted to about 19 thousand rubles.
The exact amount of your increased pension can be calculated independently according to the formula, says Maxim Kvasha, the author of financial literacy projects. He recalls that the insurance pension consists of a fixed payment, the amount of pension coefficients or points, as well as their number. So, the fixed part of the pension is the same for everyone, and after indexing on February 1, it amounts to 6564 rubles 31 kopecks. It is this part of the pension in double size that is received by citizens who are 80 years old. This year they will receive it in the amount of 13,128 rubles 26 kopecks.
In addition to it, there are also pension coefficients or points. From February 1, one such coefficient is 107 rubles 36 kopecks. But the pension should also reflect the personal contribution of each pensioner. Therefore, the number of accumulated points is taken into account, it depends on the insurance premiums that the employer made for the employee. There is a minimum number of points that you need to get in a lifetime. So, when retiring in 2022, a person should accumulate 23.4 points throughout his life, and next year, for example, 25.8 points will be required. At the same time, you can get no more than ten points per year. Their maximum number is given for the payment of mandatory pension insurance contributions from a certain amount of income. That is, above a certain income, contributions to the Pension Fund do not form pension rights, but go only to support current pensioners. In 2022, this ceiling is 1.565 million rubles per year, or about 130 thousand rubles per month.
Such a construction is determined by notions of social justice, says Kvasha. “Firstly, it is necessary to stimulate the payment of taxes: if you don’t pay, you will be left without an insurance pension. pensioners was too high, so today the minimum insurance old-age pension is at the level of the subsistence minimum, and the maximum is about 45 thousand rubles," the expert concluded.
All information about the accumulated pension rights is presented in the personal account on the website of the Pension Fund. You can also order a statement of the state of an individual personal account for free. It can also be obtained through the public services portal or at the MFC.
By the way, in February, pensioners will also receive an additional payment to their January pension. This is the difference that they did not receive, given the new size of its indexing. The surcharge will be calculated automatically for payment for February. The Pension Fund emphasized that Russians will receive all pensions for February by the 25th. Accruals began on February 3.
Meanwhile, it turns out that in order to influence the size of your pension, it is important to work legally before reaching it, have a long insurance record and monitor your pension rights. However, there are other factors that affect the size of the pension. For example, a person can enter it later than he has such a right. By postponing retirement for 5 years, it can be increased by almost 50%, and if you apply for it 10 years later, it will increase by another half, that is, a total of two times. The size of the future pension is affected not only by the time when a person worked, received a salary and the employer paid insurance premiums for him, but also the so-called non-insurance periods. For the main of them pension coefficients are charged.
For example, a year of caring for the first child costs 1.8 points, and for the third child already 5.4 - three times more. Moreover, this non-insurance period can be counted not only for mom, but also for dad, depending on who was sitting with the child. For conscription service in the army, pension coefficients are also accrued, the year is estimated at 1.8 points.
There is also a very important period - caring for a disabled person: an eighty-year-old, a disabled child or a disabled person of the first group. In this case, 1.8 points are also awarded for each year.
It is also possible to increase the size of the pension through the voluntary payment of insurance premiums to the Pension Fund. For example, a person can pay them for himself or his spouse who runs the household. To do this, you can enter into voluntary legal relations for compulsory pension insurance.It is also important to remember that in order to assign an old-age insurance pension, a total insurance period of at least 13 years in 2022 is required, and by 2024 it will increase to 15 years. This is precisely the insurance, and not the length of service, that is, the period of deduction of insurance premiums. And, of course, it is necessary to reach the retirement age. In 2022, women at the age of 56.5 and men at the age of 61.5 will be able to apply for an insurance pension.
The average old-age insurance pension after indexation by 8.6% increased on average by 1.5 thousand rubles and amounted to about 19 thousand rubles
Citizens who have never worked and have not paid insurance premiums can also count on an old-age pension, but only a social one. It is appointed 5 years later than the insurance one.
Pensions of military and civil servants are calculated and assigned differently. Some citizens receive the right to early retirement: those who worked in harmful and dangerous working conditions, worked in the north, as well as for social reasons and health reasons. For example, people with disabilities due to war injuries also retire early. Representatives of certain professions and mothers of many children can retire earlier.
Fake sites
The information partner of Rossiyskaya Gazeta, RIA TOP 68, warns that fake sites have appeared on the Internet with a proposal to index the pension by transferring funds. The Pension Fund of Russia (PFR) states: such resources are created by scammers. In addition, it should be remembered that PFR employees do not request bank card numbers and personal data over the phone, do not conduct surveys on the street and make house calls, do not report unexpected cash receipts by phone, do not send messages in instant messengers and other resources.- Citizens who are being called should be alerted by one thing - a request for bank card numbers. It doesn’t matter who the callers introduced themselves as - an employee of the Pension Fund or social security, any other social organization - from the moment you request bank card numbers, you need to end the conversation, realizing that scammers are contacting you, the Pension Fund added.
Any information should always be checked in official sources related to the PFR: on its official website, the official page of the PFR and regional branches in social networks, by calling the hotline of the PFR and branches, in the client service of the Pension Fund bodies.
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