The minimum pension for old age, which is included in the concept and some issues related to its appointment?

According to the Law of the Russian Federation, the minimum pension forold age is equal to today's subsistence level. Often ask questions about how many years of experience should be, that after retirement, a minimum old-age pension was appointed. The law gives the following answer: a social pension will be established by a citizen if he does not have the right to be paid a working pension. In other words, if you do not have the length of service and earnings documented, then you will receive a social pension in any case.

What is behind the concept of a minimum pension

Those who have worked in the labor force since 2002year, guaranteed the calculation of labor pension. If there is no seniority or a certificate of wages, a minimum old-age pension will be assigned. All other savings that a citizen will receive at retirement age, he makes himself. Thus, the personal responsibility for how you will live in old age, falls on you.

If today you work without registrationwork experience or for "minimalk", helping the employer to avoid paying taxes and getting the so-called "black" salary, he pays contributions to the pension fund at a minimum. Average earnings, as well as the trainee ratio, for which your pension will later be calculated, will be minimal.

In the Law there is no concept of "minimum pension forold age, "it says that if you do not have enough seniority and average earnings for calculating a pension, then you will be assigned a social pension, the amount of which in 2012 is 5122 rubles, that is, the subsistence minimum. If you receive a pension due to low earnings will not reach the subsistence minimum, then the state will pay it.

The most typical questions on calculating pension

On forums on the Internet, people ask typical questions about the calculation of pensions: how, when, how is the minimum old-age pension calculated.

  • Why do you have a long pension (indicate between 26 and 45 years)?

The fact is that the calculation of pension affects a lotindicators. In addition to the trainee coefficient, which has a constant value and grows along with the experience (having a limit of 0.2), the salary is also taken into account, which is considered according to a separate formula. I will explain with an example:

For example, a person has a trainee ratiothe maximum is 0.2, and the salary indicator is the minimum (there were not many people who earned one), then the pension can be calculated as follows: 0.2 x 1.42 x 1671 = 474.574. We consider further: (474,574-450) х228 = 5600,59, that is a little more than the subsistence minimum. If there is, on the contrary, a high salary, but a small length of service, the trainee ratio will reduce the total amount of the future pension. Both indicators have a "ceiling", above which their value in the calculation formula can not be.

So your future pension, one way or another, butis limited, its maximum value can be about 8-9 thousand today. In the future, in accordance with the Law, the pension is indexed annually depending on inflation.

  • What is the minimum old-age pension and when it is assessed, does the lack of a work record affect its size?

Comes to mind the scene seen indental clinic, when the doctor asked the nurse whether he would accept the homeless man whom the policeman brought back, he replied: "My dear, well, he's ours, a Russian!" and put him, dirty and unwashed, in a clean medical chair. So the state will give a social pension to any citizen of Russia, regardless of whether he has a work record or not.

The minimum pension for old age isthe subsistence minimum for a given period of time (since this value is not constant). He will be at the same time the same for a citizen with a work record and insufficient work experience (for example, from 5 to 10 years) and for someone who does not have a book. The pension will be social. The pension is calculated when the retirement age comes and the minimum old-age pension is assigned.

  • Is there a difference between calculating the pension without experience and charging for the submitted certificate of wages.

There is, because without experience is appointeda fixed social pension equal to the subsistence level for the current period of time, and in the presence of length of service and salary certificate, the pension will be calculated in accordance with the Law. Not the fact that it will be much more than a social pension, but it will be calculated, whereas without a certificate of earnings, it will be appointed. Later, with annual indexation, these pensions will increase by different values.

What awaits future pensioners

The number of able-bodied people in the country decreasescitizens, at the expense of which a pension fund is formed and pensions are paid. At present, the number of working people in relation to pensioners is equal to the figure of 1.7. In ten years this ratio will become unequal, there will be more pensioners than working people. The government may be forced to take unpopular measures, such as an increase in the retirement age.

In such circumstances, the accumulation of pensions can havecrucial, since the state is not able to maintain a large army of non-working citizens. Therefore, the earlier citizens themselves become puzzled by the problem of a future life in retirement, the better and better will be their life in old age.