Labour (insurance) experience determines the amount of government payments to citizens of the country, when they need them: temporary disability, sick leave, pension, child care.The essence of a state policy that everyone in need should be supported, but at a higher level it will go to those who really deserve it its continuing operations for the benefit of the state.
Hence the more experience, the better.However, the law defines a lot of nuances.If you change jobs, you broke the experience?As the estimated total length of employment?Is it important that he was on the profile, by specialty or not?
concept
Let's start with the fact that it puts the law in the concept of « insurance experience ».This period of employment, when your salary, your employer makes contributions to your local pension fund.Immediately it should make a reservation, your seniority will no longer be calculated if you arranged informally or arranged, but the employer (for whatever reasons, only his slave) does not make contributions to the pension fund.Even if he is caught, he is legally obliged to pay only the penalty for such a violation, but not all of the amount of contributions that had to be in your personal account in the pension fund.
There are also the concept of « special insurance experience », by which an employee can retire ahead of schedule (according to the law: men - 60, women - 55).For example, work in the Far North and other (special working conditions) to 1.01.02.After that date, the work of the special conditions is not negligible.That is the new law on pensions of Russian citizens.This policy can be called economical, and it is associated with a lack of funds to provide pensions for future retirees.
think?
Calculation of insurance is produced by adding the periods of employment, except for the period of study (if earlier it was taken into account, it is now not).But in a period of work experience includes military service, if the citizen before her worked officially.Also included in a period of caring for a child up to 1.5 years, receiving temporary disability benefits.If you lost your job and are not able on their own to find another in the specialty, you can get the status of the unemployed at the employment center, and together with it and benefit as you will not find a more or less suitable job.This period is also part of the experience.There are a few cases where your work can be considered socially useful - caring for a disabled person.Or period justified "unemployment" - criminal prosecution of an innocent (if proven).The payment is in full months and years.
How to confirm?
insurance experience confirmed employment records.Lost book can replace the order of acceptance for work, employment contract, statement of deductions from salary statements.Basically the data are cross-checked with the data of personified registration of citizens as insured persons.Such records are maintained in local pension funds for every working citizen.In judicial practice, there were cases when the length had to prove the testimony because the information had been lost due to unforeseen circumstances.For the calculation of the special experience of such evidence can not be accepted.
What influence?
insurance company accountant calculates the length of each time a worker goes to the hospital to appoint a temporary disability payments.Also seniority determines the size of unemployment benefits and, of course, retirement.
What pension waiting for you?
And now the main question: how much need to work to get a decent pension?Minimum 5 years of work (namely insurance experience!) Will provide you with the same old-age pensions - the cost of living.And if you have worked more, the pension will be calculated wrong.About 3 thousand. Rubles - a basic amount of COA (insurance part of the pension);plus the ratio of payments to the pension fund by the number of months during which the state is obliged to accrue a pension (currently set to 228 months).Moreover, the contributions in this formula is modified at the time the pension (account for inflation and other aspects).In any case, the pension will depend on the average wage.Therefore, when the coincidence of periods of work (2 works), choose to provide in the pension fund, where the official salary was higher.It added the funded part of pension (those savings that you have made yourself).So you can get about 7 thousand. (At the experience of 15 years in the absence of savings).And with the savings - 8 th. These calculations are quite coarse, but should help the reader navigate the pension system in Russia and in the requirements for length of service ...
