According to the legislation, in 2015, made the conversion of the insurance part of pension savings as a separate species - the insurance pension.Since there are several types of pensions, not everyone understands what it is and what is formed.The fact that such a pension insurance will be discussed in this article.
concept
pension insurance - what is it?Such questions are given by the citizens, faced with such a term.From the name itself it is clear that the pension is formed on the principle of insurance.That is, during the entire period when the employer deducts the employee of its compulsory insurance contributions to the Pension Fund of Russia, the employee pension insurance formed.Its size depends on salary.In the case of insurance, that is reaching retirement age and the lack of opportunities to work on, the citizen begins to receive monthly payments from the government.
Why is it necessary
Since the return of the labor pension will operate a new type of payment, you should understand what their differences and what they need.Do not panic and make hasty conclusions as accustomed to our citizens, faced with something unknown and new.In fact, everything is very simple, and most importantly, it should be understood that the higher the salary the person, the higher the insurance deductions and thus larger pension.If earlier the citizen could only get a certain amount of pension payments, today it has the right to determine the size of your pension in the future.Thus, we can conclude that the more the employee will earn, the higher will be its insurance pension payments, which in the future will be able to determine the amount of his income.
How is
As mentioned above, pension insurance formed by the mandatory insurance payments of the employer for his employee.The total amount of contributions is 22% of mandatory pension insurance.These percentages are divided into solidarity tariff, which is equal to 6%, and an individual rate equal to 16%.Solidarity tariff is intended for the financing of fixed payments.The choice of the citizen suggest two options pensions.Depending on your individual solution, he can choose which part of the interest will go to the formation of pension.For example, an individual rate is 16% of contributions, can completely go to the accumulation of insurance part of pension contributions.Or, in another embodiment, 6% may go to a contributory pension, and 10% - to form insurance.Thus, it becomes clear what changes have been introduced to the law on pension insurance, and how it is formed.
labor insurance pension
This type of pension are interested in almost all the country's working population.That he is the main one for the calculation of pension savings and the total size of income eventually.It is formed of two parts - it is funded and insured pension.What is this concept that will be discussed a little later.The main thing is to know that self-assess the size of the pension is very problematic, for this purpose, several factors and formulas.Especially as to achieve the retirement age citizens can change a lot.
So, the concept of the labor insurance pension means having a person insured for at least six years, for which the state guarantees his monthly payments on an insured event.In this case, it will be reaching retirement age.
How to calculate the size of the labor insurance pension
As mentioned above, to calculate the size of the pension, it is necessary to use special formulas and coefficients.The basis of calculation takes two pensions - insurance and accumulation.Insurance pension - what it is and how to calculate it was told above, and here's how to find out the size of the accumulation, it will now be described.Funded part of the pension is formed at the request of a citizen, that is, he has the right to select only one type of pension.Thus, to form a funded pension can be at its sole discretion.Its size corresponds to 6% of the monthly mandatory contributions.
To find out the size of the labor pension insurance contributions, must be added to the insurance and funded part.To calculate the insurance part, you use the following formula: MF = PC / T + B.There midrange - it's just part of the insurance;PC - the amount of capital that determines the value at the time of appointment of pension contributions by age;T - the period in which payment is expected to age;B - basic component of the labor pension, it is fixed, its size can be obtained from your pension fund manager.
The law on pension insurance stated that its size is subject to annual indexation depending on growth of consumer prices.Thus, the calculation of the size of the labor pension will depend on the change of several factors affecting the standard of living and the pricing of the food basket.
Who can count on pensions
insurance old-age pension is paid to citizens who have reached retirement age.For women it was 55 years for men - 60. From 2015 to receive insurance old age pension, you must have a deduction for a minimum of six years.
persons to deduct a monthly premium to the Pension Fund may be eligible for pension benefits to achieve the desired age of retirement if the amount of the individual coefficient is not less than 30.
How to take care of their pension
old pension system, smoothly convertedfrom the Soviet era to modern economic realities, it has shown its incapacity.That is why a reform, which changed the general approach and look at the mandatory monthly deductions of citizens.Today, each person can independently take care of their future pension.It is enough to competently approach the issue, so you do not make a surprised look and say, 'Insurance pension - what is it? ".As mentioned above, the monthly payments can affect the amount of future revenues that will no longer be able to work.Thus, it is not necessary to hide their salaries to be in the future with minimal income.You can choose to make payments to the funded part and in such a way to increase the size of future earnings.
What is anticipatory pension
Some citizens may obtain pension payments before the required deadline, ie men - before the execution of sixty years, and women - up to fifty-five, respectively.Eligibility for early retirement have people working, for example, in difficult conditions.Depending on the length of service in one place, there are three list.Which of these is a separate entity, it is necessary to specify in the Pension Fund of Russia.
early retirement has many nuances in the design, so a citizen working in severe conditions, must collect all the necessary documents confirming the length of service.Do not be amiss to include in the list of reference documents from the workplace, as the employment record is not enough.
device of the pension system in Russia
Currently, the Pension Fund of the Russian Federation is responsible for the following types of pensions, for which he has the authority to form, appoint and pay the disabled sections of the population:
- state pensions;
- labor;
- private.
Depending on the desire of every citizen has the right to form a pension on your own.This applies to the working population, the working experience of which has not yet reached a certain level.For example, you can deduct a percentage of their income in state pension funds, and the non-state (NPF).If the investor has made a choice in favor of private pension funds, that since the signing of the agreement the two sides appears responsibility.The citizen is obliged to pay a monthly percentage of their salary, and the fund undertakes to pay him monthly payments from the date of disability.
insurance old-age pension may also be paid and in private pension funds.Since the beginning of 2015, with the introduction of several reforms relating to payments to non-working citizens had such a feature: if a citizen working experience less established and accumulated points are not sufficient, he may receive payment only after five years.Thus, the insurance period for retirement is largely dependent on the well-being of every person living in the territory of the Russian Federation.
Interesting facts
More recently, namely the introduction of the pension reform in 2015, the state assumed responsibility for only one kind of compulsory payments - insurance pension.Therefore, a person who has decided to make payments in favor of the accumulation system, fully assumes such obligation to yourself.In any case, the amount of pension will depend on each citizen.The State may pay only the basic benefit, and only in certain cases.
For people who hold positions in agriculture, government has made small additions to pension points.For example, for employees with experience of more than thirty years and permanently residing in the rural areas, provided increase in their pension.
Mothers also get extra points for the calculation of compulsory payments by the state.
