Well, now we have to figure out how to calculate the pension. To be honest, there are a lot of factors to consider. And often we have to make our own calculations to clearly understand what kind of support we can expect from the state. There are many pensions; each type has its own rules. They have to be taken into account. Anyway, what is needed to be able to receive state support? All this will be discussed now.
How to get
Before calculating a pension, you need to remember how to get it. In principle, for each type of "support" there are some distinctive features. But the list of documents is approximately the same.
First, you need to reach retirement age. The exception is disability. Please note that for support from the state in old age you must be over 55 and 60 years old for women and men, respectively. Only then collect all the necessary documents. In any case, without fail you must provide:
- passport;
- an application for a particular pension;
- SNILS;
- documents to confirm your experience.
And then it all depends on the situation. You will need to confirm your income (for labor pension), disability or provide any documents that indicate your special status. But how to calculate a pension? By old age, disability, social, labor - it does not matter what type we are talking about. Now we will find out all the formulas and rules.
For the Ministry of Internal Affairs
Separate "mansion" are employees of the Ministry of Internal Affairs. Their system of calculating support from the state differs significantly from all other cases. Of course, no one will tell you the exact amount - it all depends on your salary. But in general, a very interesting picture is obtained.
If you are thinking about how to calculate the pension of the Ministry of Internal Affairs, you will have to take into account the years worked. So, for example, for 20 years of service you will receive one “rate”, and for each subsequent year - a bonus. But there are some limitations.
Just about them now and will be discussed. The first 20 years of service allow the pensioner to receive 50% of the salary. Then for each year of service you get an increase of 3%. But remember, it cannot exceed a total of 85% of the salary.
The money received (taking into account wages and length of service) must be multiplied by a special coefficient. It is called a district. And it turns out the right amount of pension. In other words, a monetary reward, consisting of salary and title, is added to the service interest. And then you need to multiply it by 62.12% (according to the rules) - and you will receive the required pension amount. Each district has its own coefficient, keep this in mind. Now it’s clear how to calculate the pension of the Ministry of Internal Affairs. The system is quite complex, but you can figure it out.
Fixed payments
There is one more feature that cannot be forgotten. What is this about? The state has, in addition to a bunch of calculations, also fixed payments to pensioners. True, there are many factors that affect their size. Full information can be seen on the website of the Pension Fund of Russia. In the meantime, let's get acquainted with the most common and interesting cases.
For example, non-disabled people of the 1st group who are under 80 receive fixed assistance in the amount of 3,935 rubles if they do not have any dependents. Otherwise, the payout goes up. Disabled people of group 1 and 80-year-olds are entitled to 7,870 rubles.
In addition, there is a so-called social pension. It is usually paid also in a fixed form. And in 2016 it amounts to 8 562 rubles. Not so much, but better than nothing. And no calculations need to be made. Everything is easy and simple.It is enough to study the full list of fixed payments on the website of the Pension Fund to know what you can hope for.
Point system
Recently, a new system has been introduced in the pension system. It is called a point. That is, depending on your experience, a certain amount of “points” will “accumulate” in you. And, based on them, as well as a special coefficient, it will be possible to answer how to calculate the pension.
People who have at least 7 years of experience and 9 points can hope for insurance support. This is for 2016. But the government promises that this "bar" will begin to rise from year to year. This is despite the fact that in 2016 you can earn as much as 7.83 points.
In general, as soon as you decide to think about how to calculate a pension for a pensioner, simply multiply the number of points that are available by a fixed rate. It is the same throughout Russia. And it is 74 rubles 24 kopecks. Such calculations are now relevant. Especially when it comes to insurance pension. True, the experience and wages of the former hard worker are also taken into account.
Old age
The next thing to consider is the formula for calculating old-age pensions. Honestly, in 2015 a very interesting scheme was developed and introduced. It directly depends on your income. How to calculate an old-age pension? To do this, we turn to one formula. It has the form:
Insurance part = fixed payments * individual coefficient + (pension deferral coefficient * individual coefficient) * pension coefficient value.
It turns out that IC is when the total amount of all insurance contributions from the employer is divided by the amount of contributions from the maximum salary (taxable) and is multiplied by 10. All other indicators are determined annually by the state.
The cumulative part is calculated much easier. Here, the full amount is taken in the account of the future pensioner and is divided by the number of months according to which payments are supposed to be made. At the moment it is 228. If a pensioner works and does not plan to draw up his special status so far, then the funded part increases due to a decrease in "months".
Average payouts
In principle, it is now more or less clear how to calculate an old-age pension and more. But note that often the government makes plans and gives us forecasts about the upcoming state support. And pensions are far from the last plan.
The thing is that the average sizes of pension accruals for certain categories of citizens have become known. Of course, everything will depend on the numerous factors of the former employee, but you have to rely on something, right? According to the data received, the average pension for people in 2016 will be:
- in old age - 13,200 rubles;
- disabled people - 13,000 rubles;
- to veterans - 36,000 rubles.
For working
How to calculate retirement working pensioner? Recently, a rather complicated scheme has been used here. And, unfortunately, there is not the most pleasant news. It's about indexing. Please note that a working pensioner cannot apply for it. In any case, as long as he continues his activities. Therefore, in Russia now, a lot of elderly citizens are thinking about how to do it: work or not.
In principle, the rest we have figured out. The pension itself is calculated in this case according to the point system. When you take the accumulated "points" and multiply by a fixed coefficient. Not so hard as it seems.
Military
How to calculate military pension? Honestly, we have already talked about this. After all, this assistance from the state will be calculated based on the previously proposed formulas. But what are we talking about?
If you look at how the state "pays" with the Interior Ministry, you can only rejoice. Indeed, such calculations are not so difficult. This scheme also applies to the military.That is, for the first 20 years of service, 50% of the salary is obtained, for each subsequent year + 3% to the pension is added, but not more than 85%. Here is such a simple and very effective formula.
Confusion
Of course, if you read everything that was written, you can only grab his head. After all, calculating a pension is not so easy. But it’s not as difficult as it might seem at first glance.
In general, in order not to rack one's brains over the question posed for a long time, all the inhabitants of Russia can use one interesting trick. But, as practice shows, only "advanced" pensioners resort to it. After all, to use this method you need the Internet. What are you talking about?
About the special online pension calculator. It is available on the website of the Pension Fund of Russia. All that is required of you is to fill out the appropriate fields. It is advisable to have on hand all the documents that will be needed when applying for the payment of pensions. They make it easy for you. Fill in the fields, click "Calculate" and get the answer to your question. And you don’t need to puzzle over what formulas to apply for on the topic “How to calculate a pension”. In this calculator, all changes are made automatically. That is, if some coefficient has changed in real life, in the system it will also change its value. How to calculate the amount of pension? Now for us this is not a problem.
