After some amendments to the current legislation, a new phrase appeared - insurance experience. Unfortunately, not all employees know what is hiding under this concept, how to calculate the length of service. However, each citizen should have an idea about their future insurance pension and that. It is important to know what funds the employee will receive after closing the certificate of incapacity for work.
general information
An insurance record is the total duration of a person’s labor (or entrepreneurial) activity during which time deductions were made to the RF PF. It also takes into account periods when these deductions were not made.
If for the payment of sick leave the insurance period is calculated for all without exception, then for calculating the pension of some citizens the new rules do not apply. Among them:
- Persons who ceased their employment before January 1, 2002;
- persons discharged from military service before the same period.
This is exactly the category of citizens who receive a retirement pension, not an insurance one. After all, their official activities ceased until the entry into force of the law "On Compulsory Insurance of Retirees."
The remaining citizens belong to the group of people who need to know how to calculate the insurance period. These include:
- insured citizens of the Russian Federation;
- Foreigners officially residing in the Russian Federation on a permanent basis.
General insurance experience
To calculate the insurance guard, two periods are taken - insurance and non-insurance. Let's look at each of them.
The insurance period refers to the time when a person officially conducted his activities in the territory and the Russian Federation, regularly made contributions to the Pension Fund. Also, in order to know how to correctly calculate the insurance period, it must be borne in mind that the following is also added to the insurance period:
- military service and other service, which is equivalent to military;
- care for a disabled person of the 1st group;
- residence of a spouse of a serviceman in areas where employment is impossible (no more than 5 years);
- temporary disability;
- caring for older people over the age of 80;
- maternity leave to care for a child, but only if the woman was in it for the first 1.5 years. In total, no more than 6 years for the entire time of work;
- caring for a disabled child;
- residence of the spouse of consular workers, representative offices outside the Russian Federation.
A non-insurance period is included in the calculation only if it is preceded or followed by an insurance period.
Special insurance experience
What else do you need to know for those who are going to a well-deserved rest in the near future? There is an insurance guard. He is also called professional. How to calculate the length of service in this case?
There is no fundamental difference from the total length of service. The only difference is that during the transfer of assessed contributions to the RF PF, a person worked in special conditions that cannot be called normal. It is about labor activity:
- in difficult or harmful conditions;
- in the Far North or in similar remote areas;
- in certain weather conditions.
Proof of Insurance
The only official document that can confirm the official insurance experience is a properly executed employee workbook with all relevant inserts. But what if a citizen cannot provide a work book? Then, labor contracts with the employer, which were concluded at the previous place of work, enter into force.In some cases, two or more witnesses can confirm their employment. But this method can only be applied in court.
Fortunately, now the question of how to calculate the employee's length of service does not cause difficulties. All data has long been stored on electronic media. And all information about money transfers is available in the Pension Fund of the Russian Federation.
Requirements for the procedure for calculating length of service
The legislation of the Russian Federation establishes some requirements for the procedure for calculating the insurance guard. If they are not observed, the experience can be calculated incorrectly or completely lost. How to avoid this? Each personnel officer must know how to calculate the employee's length of service, what requirements must be observed.
Some of them are listed below:
- It is necessary to exclude from work experience the time when a citizen of the Russian Federation worked abroad.
- Those periods when a person worked for an individual entrepreneur, was a member of peasant farms and clan communities should be taken into account. However, this can only be done if contributions to the RF PF were made per person.
- All periods in which a citizen received a pension (labor or disability) should be excluded from the insurance record.
- Matched periods are not counted. As a rule, such a need arises if a person officially works in one place, and, for example, is listed as an employee by an employee. Only one part is excluded.
- The calculation of the insurance period includes seasonal work.
- Those periods that relate to the record of seniority are also counted.
Calculation for retirement
Recently, the Government of the Russian Federation has made some changes to the current legislation. According to the new requirements, the minimum period for calculating the insurance guard will gradually increase. Let's take a closer look at this point.
So, how to calculate the insurance period for a pension after making changes?
Since 2015, a citizen of the Russian Federation to work out the insurance part of the pension must work for at least 6 years (periods are summed up). Gradually, this period will increase. And by 2024, the minimum insurance period for calculating pension payments will be 15 years.
It is also noted that the size of insurance payments will directly depend on the length of service. Accordingly, the more a citizen works, the higher his pension will be in the future. But this applies only to the insurance part.
Calculation example when calculating a pension
The woman decided to go on a well-deserved rest after reaching a certain age by law. In the work book it is recorded that she worked at one enterprise for 27 years. She also went on parental leave twice (three years each). In addition, the employee was registered as an employee for one year (unofficially). That's not all. Before working at the enterprise, she was also engaged in entrepreneurship for 7 years.
So, how to calculate the length of service in this case? An example is given below:
- Two parental leave are included in the length of service. However, the legislation provides for the inclusion of parental leave only up to 1.5 years, respectively, 3 years are deducted.
- One year of service as an employee is not included in the calculation.
- 7 years of individual entrepreneurship will enter the length of service.
- The result is a formula: 27-3 + 7 = 31 years.
This figure will be taken into account when calculating the insurance part of the pension. We hope that everything is clear to you.
How to calculate the length of service for sick leave
Several periods can be used to pay temporary disability benefits:
- full month (30 days);
- calendar year (full).
It is worth noting that when calculating it is important to consider every day. Indeed, the insurance period includes the entire period - from the beginning of work until the opening of a sheet of temporary disability.
The amount of payments depends on the time worked:
- less than six months - the minimum wage is taken into account;
- up to 5 years - 60% of the average wage;
- from 5 to 8 years - 80% of the average wage;
- over 8 years - 100% of the average wage.
Calculation example when calculating sick leave
For example, a person got a job on September 10, 2002. And the first time I left on sick leave on February 15, 2016. How to calculate the length of service for sick leave in this case? Here is a good example:
- First you need to calculate the exact number of days: 20 days in September and 15 days in February. 20 + 15 = 35 days (1 month and 5 days).
- Next, you need to calculate the number of months. The person worked 3 full months in 2002 and 1 full month in 2016. Total: 4 months.
- Now it's time to count the full years. 2015-2003 = 12 years.
- It turns out that the insurance period for a sick leave is 12 years, 5 months and 5 days.
This means that payment for a temporary disability certificate will be made taking into account 100% of the average citizen's salary, since the total length of service at the enterprise is more than 8 years.
Some exceptions when paying sick leave
In practice, there are exceptions to the rules when calculating sick leave fees. What is it about? We calculate the insurance period for sick leave, if there are such exceptions:
- A 100% average wage is charged to the employee, regardless of the length of service at the enterprise, if the temporary disability sheet was issued due to an industrial injury. Remember this.
- 100% of the average salary for the last two years is paid on the sick leave, which was issued due to pregnancy and childbirth. Seniority is also not taken into account, but only if the woman has worked at the enterprise for more than a year and a half.
The employer has the right to pay sick leave to the employee based on the minimum wage, regardless of his length of service, if:
- an industrial injury was received by an employee under the influence of drugs or alcohol. Other specific cases also fall under the same conditions;
- the patient violated the regimen established by the attending physician. I did not attend the necessary procedures or examinations.
What should I do if mistakes were made in calculating the length of service for the sick leave?
Most of the information we reviewed. You already know how to correctly calculate the length of service for sick leave. But what if the accounting department made errors in the calculations? Employees of the Social Insurance Fund can inspect the company without warning.
So, if an accounting employee made a mistake and overpaid the employee when closing the sick leave, the management has the right to recover this amount from his employee by subtracting it from the subsequent wage. However, it should be noted here that the amount of deductions cannot exceed 20% of the total monthly salary.
In addition, lawyers warn that such penalties are possible only with the voluntary consent of the employee. But this does not mean at all that the employee can refuse to return, and the topic will be closed. In case of refusal, the employer has the right to sue the citizen. Moreover, it is highly likely that the decision will be made not in favor of the employee.