Insurance pension - what is it? Labor insurance pension. Pension support in Russia

According to the law, from 2015the insurance part of pension savings is transformed into a separate type - an insurance pension. Since there are several types of pensions, not everyone understands what is and what is being formed. About what is an insurance pension, will be discussed in this article.

The concept of

Insurance pension - what is it? A similar question is asked citizens who are faced with such a term. From the name itself it is clear that this pension is formed on the principle of insurance. That is, during the entire period when the employer deducts compulsory insurance contributions to the Pension Fund of Russia for his employee, an insurance pension is formed for the employee. Its size directly depends on the salary. Upon the occurrence of an insured event, that is, reaching the retirement age and the lack of an opportunity to work further, the citizen begins to receive monthly state payments.

What is it for?

Since instead of labor pension will acta new type of payments, it is necessary to understand what their differences are and why they are needed. Do not panic and make hasty conclusions, as our citizens are used to, faced with something unknown and new. In fact, everything is very simple, and most importantly, one should understand: the higher the salary of a person, the higher the insurance contributions and, correspondingly, the larger the pension. If earlier a citizen could receive only a certain amount of pension payments, today he has the right to determine the size of his pension in the future. Thus, it can be concluded that the more the employee earns, the higher will be his insurance pension payments, which in the future will be able to determine the amount of his income.

How is the

As mentioned above, the insurance pensionis formed at the expense of obligatory insurance payments of the employer for the employee. The total amount of contributions is 22% for mandatory pension insurance. These percentages are divided into a solidary tariff, which is 6%, and an individual tariff equal to 16%. The solidary tariff is intended to finance fixed payments. The choice of a citizen is offered by two options for pension provision. Depending on his individual decision, he can choose which part of the interest will go toward the formation of an insurance pension. For example, an individual tariff, amounting to 16% of the contributions, can fully go toward the accumulation of the insurance part of pension contributions. Either, as in another option, 6% can go to a funded pension, and 10% - to form an insurance. Thus, it becomes clear why changes were made to the legislation on insurance pensions, and how it is being formed.

Labor insurance pension

This type of pension interests virtually allworking population of the country. It is he who is the main factor in calculating pension savings and how the total amount of income ultimately. It is formed from two parts - it is an accumulative and an insurance pension. What is this concept, will be told a little lower. The main thing about what it is worth knowing that it is very problematic to calculate the size of this pension independently, several coefficients and formulas are used for this. Moreover, after reaching the pension age of a citizen, a lot can change.

So, the concept of labor insurance pension meansthe person has an insurance period of at least six years, for which the state guarantees him monthly payments on the occurrence of an insured event. In this case it will be the achievement of retirement age.

How to calculate the size of a labor insurance pension

As mentioned above, to calculate the sizethis pension, you must use special formulas and coefficients. As a basis for the calculations takes two parts of the pension - insurance and funded. Insurance pension - what it is and how to calculate it, was told above, but how to find out the size of the funded one will now be described. The accumulative part of the pension is formed at the request of the citizen, that is, he has the right to choose only one type of pension provision. Thus, you can form a funded pension at your own discretion. Its size will correspond to 6% of the monthly mandatory contributions.

To find out the amount of labor pension for insurancedeductions, it is necessary to combine the insurance and funded parts. To calculate the insurance part, you need to use the following formula: SC = PC / T + B. Here, the SC is directly the insurance part; PC - the amount of capital that determines the amount at the time of assigning pension contributions by age; T - the period in which payment is expected by age; B - the basic component of labor pension, it is fixed, its size can be found out from its managing pension fund.

The law on insurance pensions states that itsthe amount is subject to annual indexation depending on the growth of consumer prices. Thus, the calculation of the size of the labor pension will depend on the change in several factors at once affecting the living standard and the pricing of the food basket.

Who can count on pensions?

The old-age insurance pension is paidcitizens who have reached the retirement age. For women, it is 55 years, for men - 60. From 2015, in order to receive an old-age insurance pension, it is necessary to have deductions for six years minimum.

Individuals who contribute to the FIU on a monthly basis can expect to receive retirement benefits when they reach the required age, if the individual pension coefficient is at least 30.

How to take care of your pension

The old pension system, smoothly transferred fromSoviet times in modern economic realities, showed its incompetence. That is why there was a reform that changed the general approach and the view of mandatory monthly contributions of citizens. Today every person can take care of his future pension on his own. It is enough to approach this issue competently, then not to make an astonished look and say: "Insurance pension - what is it?". As it was said above, monthly deductions can influence the size of future incomes, when there will be no possibility to work. Thus, you should not hide your salary so that in the future you will not find yourself with minimal income. You can independently make payments to the funded part and in this way increase the amount of future income.

What is an early pension

Some citizens can receive pensionpayments of the earlier required period, that is, men - up to sixty years of age, and women - up to fifty-five, respectively. The right to receive early retirement is granted to individuals who work, for example, under difficult conditions. Depending on the length of service in one place, three lists can be distinguished. To which of them is an individual, it is necessary to clarify in the Pension Fund of Russia.

Early retirement pension has many nuancesregistration, therefore a citizen working in difficult working conditions must collect all the necessary documents confirming the length of service. It is not superfluous to include references to the list of documents from the workplace, since the work book is not enough.

The structure of the pension system in Russia

At present, the Pension Fund of the Russian Federation is responsible for the following types of pensions for which it has the power to form, appoint and pay disabled people:

• state pension provision;
• labor;
• non-state.

Depending on the desire, every citizen hasthe right to form a pension at its discretion. This applies to the able-bodied population, whose working experience has not yet reached a certain level. For example, it is possible to deduct interest from their incomes both in state pension funds and in non-state funds (NPFs). If the depositor has made a choice in favor of non-state pension funds, then from the moment of signing the contract, the two sides have the responsibility. A citizen undertakes to deduct a percentage of his salary on a monthly basis, and the fund assumes the obligation to pay him monthly contributions from the moment of disability.

Insurance old-age pension can alsoto be paid through non-state pension funds. Since the beginning of 2015, with the introduction of several reforms concerning payments to unemployed citizens, a feature has emerged: if the working experience of a citizen is less than established and the accumulated points are insufficient, he can receive payments only after five years. Thus, the length of insurance for a pension depends significantly on the welfare of every person living in the territory of the Russian Federation.

Interesting Facts

Since recently, namely with the introductionpension reforms in 2015, the state took responsibility only for one type of mandatory payments - an insurance pension. Therefore, a person who decided to make deductions in favor of the funded system, fully assumes such an obligation independently. In any case, the size of the insurance pension will depend on each citizen. The state can only pay basic benefits and only in certain cases.

For people occupying posts in rural areasthe government made small additions to pension scores. For example, for employees who have worked for more than thirty years and permanently residing in the countryside, an increase to the pension is provided.

Mothers with many children will also receive additional points for calculating compulsory payments by the state.

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