Indexing of working pensioners has not been carried out for several years. At the same time, this issue was once again put up for discussion in the State Duma, and was also considered in public circles. Working retirees hope that the situation in the future will change for the better for them.
We learn from the article what indexation means, what are its conditions and whether it will apply to working pensioners.
The concept of indexing
Indexation means an increase in the size of pension payments due to inflationary processes and rising prices caused by them. In this regard, the recalculation of the minimum wage, scholarships and other social benefits is also carried out.
These operations are carried out in accordance with the Law on Pensions in Russia No. 166-FZ. It states that the procedures are performed on the first day of the following month after the publication of new prices for the main products. The law does not provide for a special date for this event. Therefore, the authorities themselves choose the number for the recalculation of pensions.
Indexation involves the revision of bonuses and co-payments for social assistance. In this case, the date of appointment of the pension, the grounds and other factors matter.
Indexing yesterday and today
Previously, indexation for working retirees was carried out in the same way as for non-working categories of citizens (by age). But since the beginning of 2016, this operation has been suspended for working retirees. Initially, they talked about stopping indexing for only one year. However, in the future, the authorities liked to use the money of pensioners to cover the “holes” in the budget, and this practice continues to this day.
However, at the beginning of 2017, all pensioners received compensation in the amount of 5 thousand rubles, which was of a one-time nature. Do not think that this money was “donated”. Firstly, the benefit was only for pensioners who receive a small pension (for those who have average payouts and higher, it did not cover inflation). Secondly, indexation to working retirees implies further increase in payments on a regular basis, while lump-sum compensation did not affect the future size of the pension.
Pensions for working and non-working pensioners
Prior to the cancellation of indexation, payments to working retirees increased for the following reasons:
- Pension indexation.
- Earned retirement points for a year of work.
- Contributions to the funded pension (if the pensioner made contributions at will).
After indexation was suspended, pensioners still had the opportunity to increase monthly payments only through work. Their pension remained in the same amount as in 2016 (when the authorities decided accordingly). Moreover, one has to rely more on wages than on earned pension points. According to statistics, while for non-working pensioners, the payment for several years increases by more than 3 thousand rubles. (with a small pension), payments to working pensioners increase by approximately 800 rubles. and less.
Recalculation for working retirees
It is not known what indexations to working pensioners will be in the future. So far, such a small increase in their pensions is explained as follows. The fact is that the maximum number of points that can be awarded to persons of retirement age is 3. Even if a pensioner earns more, the remaining points will be transferred to the next year, and so on. The cost of a pension point in 2018 is 81.49 rubles.Thus, the maximum that a working pensioner can count on this year is 244.47 rubles. If the accumulated points are less, then this amount, respectively, will have a lower value.
There are still funded pensions. Despite the fact that hardly working pensioners will receive indexation in the coming years, they will be able to receive money from the savings account. It should be borne in mind that if you continue to make contributions to the funded part, pension points will be awarded significantly less.
Pension reform
The reform of the pension system began in the early 2000s. At the same time, various tools were introduced, for example, a co-financing program. Since 2015, pensions have been calculated on the basis of accumulated pension points. I had to recount the work periods in different ways. All this led to an ambiguous attitude towards transformations on the part of citizens.
But the reform did not end there. In 2018, a new reform was launched regarding retirement age. According to her, the retirement age of citizens will gradually be increased to 5 years. The authorities claim that the main goal of this innovation was only to increase payments to elderly people who are already retired. So, they promise that in 2019 the addition to the pension will amount to 1 thousand rubles, and this will continue for several years. However, much higher amounts are released, which, in fact, cover budget flaws.
The impact of reforms on future payments
The Ministry of Economic Development predicts an increase in the cost of basic products as follows:
- 4.3% in 2019
- 3.8% in 2020
- 4% in 2021
At the same time, the PFR promises to increase the insurance pension as follows:
- 7.05% in 2019
- 6.6% in 2020
- 6.3% in 2021
According to the Law on Insurance Pensions No. 400-ФЗ, indexation was carried out for working pensioners in February (as well as for non-working ones). The corresponding procedure for social payments is carried out in April. At the same time, in 2018, the size of insurance pensions has been increasing since January. This is because indexation has begun to have a higher percentage compared to inflation. Corresponding changes were introduced in February because inflation was previously calculated, in accordance with which indexation was also carried out.
As a result of indexation, from the beginning of 2018, the components of insurance pension payments began to have the following meanings:
- IPC - 81.49 rubles.
- The fixed payment is 4 982.90 rubles.
Social pensions are approved annually and increase based on the budget. For the coming years, experts make the following forecasts to increase these payments:
- 0.4% in 2019
- 2.9% in 2020
- 2% in 2021
If these forecasts are confirmed, then the pensions will have the following approximate sizes:
- Social benefits for old age - 5200 rubles.
- Disabled people of the first group - 10,400 rubles.
- Disabled people of the second group - 4420 rubles.
- Children with disabilities - 12,480 rubles.
The promised increase in pension by 1 thousand rubles. not related to the indexing process. In addition, you must understand that 1 thousand rubles. Is an approximate average. The FIU will make an accurate calculation based on the amounts already paid. Nevertheless, it is assumed that thanks to such increases, by 2024, the average amount of pensions will amount to 20 thousand rubles.
Increased military pensions
Military pensions are calculated in a slightly different way than civilians. Therefore, the issue of how the indexation of pensions to working military pensioners is carried out separately needs to be considered. Upon reaching retirement age, they receive insurance payments, like other categories of citizens. But along with this, until this time, the military has the right to receive other pensions on other grounds, namely:
- For the length of service (this payment is unlimited in nature).
- Disability (for the period during which he is officially recognized as disabled).
- By the loss of the breadwinner (to the relatives of the deceased soldier for the period of their disability).
The indexation of insurance payments to working military pensioners is not carried out, as well as in relation to civilians. Otherwise, the situation is with other types of pensions, in particular, state ones. Obligatory annual indexation of pensions for working military pensioners in this case is carried out on April 1 on the basis of the law "On state pension provision" No. 166-ФЗ.
At the same time, retirement servicemen are promised a high percentage. If in 2018, pensions were increased by 4%, then in 2019 they will be increased by 12%. There is also a decreasing coefficient for these individuals, which is frozen at 72.23% until 2020. This coefficient was introduced back in 2012.
Retirement in 2019
To receive an old-age insurance pension, a pensioner must meet the following requirements:
- Have a certain age.
- Seniority.
- The number of retirement points.
In connection with the ongoing reforms, these indicators are growing from year to year. So, by the end of the reforms, the retirement age of men will be 65 years, and women - 60 years; the required work experience should be at least 15 years, and the number of accumulated points should be at least 30. However, in 2019 these indicators are lower:
- The age of men is 60.5 years, women - 55.5 years.
- 10 years of experience.
- 16.2 pension points.
If, upon reaching the appropriate age, the citizen did not gain either the necessary length of service or the number of points, then the insurance payment is not assigned to him. Then you can only rely on social benefits. But this type of pension is charged 5 years later than insurance.
Pension indexation for working retirees
Unfortunately, in 2019, indexation to working pensioners will not be carried out. So far, this decision has been postponed until 2020. The authorities attribute this to the fact that the economic situation has not yet stabilized to the point where it is possible to return to the previously existing indexation order. It is believed that due to the fact that working retirees receive wages, they do not need to increase pension payments as much as non-working pensioners need it. Therefore, the question of when indexation will be returned to working pensioners in the previous regime remains open.
In this regard, the promised allowance of 1 thousand rubles. working pensioners will also not be paid. The only way to increase their pensions is to earn pension points. Unlike indexation, which is carried out in February (or January) and April, the pension is recalculated taking into account pension points in August.
It is not necessary to apply to the Pension Fund for this procedure. It is carried out for all senior citizens in a non-bidding manner. Naturally, non-working pensioners, in turn, cannot apply for this recalculation. This is explained by the fact that no employer makes deductions to the FIU for them, and therefore there are no grounds for recalculation.
At the same time, the situation of working pensioners is not as sad as it might seem. Indexing is done for working retirees upon dismissal. In this case, all indexations that are missed during the work period after reaching retirement age are taken into account.
Rules and period of indexation after dismissal
In 2019, the amount of the insurance pension will be as follows:
- Fixed part 5,334.19 rubles.
- Pension score 87.24 rubles.
It is this calculation that will be applied to pensioners who have just reached retirement age or quit while they are already in old age.
To calculate the missing indexations, working pensioners do not need to contact the Pension Fund. As soon as the relevant data is received from the employer, the recalculation process will begin. However, if you wish, you can apply yourself.But they will start working on it only when the relevant documents from the employer are received. You will have to wait about 3 months for recalculation.
Such a long period is provided for several reasons. A monthly report with new data will be received by the FIU only in the next month after the retirement of the pensioner. In the same month, a decision was made to index the pension after the dismissal of a working pensioner. 2018 brought nothing new to this procedure. After making the appropriate decision, another month is allotted to complete the full recalculation.
However, this does not mean that indexation will be counted from this period. She has been considered since the retirement of the pensioner. Payment is made in the same way as pension delivery.
When is it better for a pensioner to quit
Some pensioners who want to continue working, but do not intend to remain without indexing pensions, find for themselves the next way out. Dismissal from work is made out specially for indexation of all payments. After the working pensioner quit, indexation is done, he is reinstated at work again. When the recalculation in the Pension Fund has already been made, no one will be able to deprive the pensioner of increased payments. He calmly continues to work and receive a pension in almost the same amount as non-working pensioners.
Other pensioners continue to work, but without formalization. Some people decide to stop working altogether.
When indexing is done
The suspension of indexation applies only to insurance payments. Social and state pensions will be paid taking into account indexation in the same manner. This means that disability, survivor's pension, social old-age pension and other payments will be indexed as before.
Pension Reform Tomorrow
The innovations resulting from the reform are being discussed at both the state and the philistine level. Moreover, criticisms are made not only by ordinary citizens. Many statesmen also speak out against some pension reforms. For example, more and more voices are heard that the scoring system for calculating pensions does not produce positive effects. On the contrary, citizens do not see the point of receiving high wages. They decide to give preference to salaries “in an envelope”.
The imperfection of the system and the confusion in the calculations cause a desire to return to the old old system, when the calculation was carried out in rubles. Opinions are also expressed on how to carry out this reform further, trying to "improve" it.
Reform to raise the retirement age caused even greater dissatisfaction. Despite general dissatisfaction, a law on this was nevertheless passed.
Thus, the question of how to return the indexation of pensions to working pensioners has so far been relegated to the background. However, this does not negate its relevance. Pensioners wishing to work after reaching the appropriate age should not remain in a vulnerable position due to the failure of decisions made at the top.
Conclusion
It is still unknown when indexation will be returned to working retirees on the same conditions as non-working ones. But pensioners who want to continue working can do this without material damage to themselves if they can adapt to changing laws. To do this, you need to keep abreast of events and periodically study information on this topic.