The Ministry of Health and Social Development of Russia reports that about 14 million elderly people are currently working in the country — that is, every third pensioner.
The total working-age population of Russia is 74 million people. It is easy to calculate that working pensioners make up 20% of the total! And the question arises: who will work in our country in ten to twenty years, when these elderly people will not be?
Russian citizens still work after retirement
Why do older people, having gone on a well-deserved rest, continue to work?
There are several reasons for this:
- Elderly people are forced to earn extra money because of the meager size of the state old-age benefits calculated by him, which are not enough even for rent, normal nutrition and medicines. This is especially true for single people.
- Other retirees work to help their adult children raise and learn grandchildren. Indeed, now children and quality education are not cheap pleasure!
- Many pensioners cannot imagine their life without work. Some workaholics return to their native enterprise, others die early because they have no more interest in life.
- Many citizens of retirement age are just bored of sitting at home, reading books or watching TV - they want more communication with people, because sometimes an elderly person has no one to even say a word with.
Pension payment to working citizens
Previously, an elderly person with official employment at the enterprise received only a salary. They began to pay his pension only after the termination of work.
According to the law dated December 17, 2001 No. 173-ФЗ (edition of December 28, 2013, as amended on June 4, 2014), citizens of the Russian Federation who are pensioners and continue to work, can now receive government payments.
And the longer the period of their activity, the higher the increase.
For each officially employed person, the employer pays a monthly insurance premium (payment) to the Pension Fund (PF), which is a reason for recalculation.
Now, an elderly person can legally not only earn additional money, he has the opportunity to constantly - while working - to increase his government payment.
Recalculation of pensions for working pensioners
If an elderly citizen of the Russian Federation is working, insured amounts are received in his personal account (ILS) in the Pension Fund.
Recalculation of a pension is a procedure during which the amount of state payments is re-calculated on the basis of an extract from the HSS confirming the need to review their size.
The more insurance premiums received by the PF over the past year, the greater the increase.
It is possible to recalculate pensions for working retirees (Ukraine) after crediting additional contributions to the ILS if they worked a year or more from the date of registration of the right to receive state payments.
IMPORTANT: It is allowed that the duration of work after leaving for a well-deserved rest is less than 12 calendar months.
Pension: recalculation for working retirees 2014
Instead of the usual increase (as in 2014) of state old-age payments by several percent (due to rising inflation and average wages in Russia), on August 1, 2015, a different method was used.
Elderly people who continue to work (only those whose enterprises paid contributions to the PF on a regular and timely basis) were calculated individual increases - their size now depends not only on the size of salaries of pensioners, but also on their age.
Payment recalculation procedure
Recalculation of labor pensions of working pensioners of the Russian Federation is done annually.
Two factors affect the amount of increase:
- The volume of insurance payments.
- Age of citizen.
According to these accrual rules, the more years a person has been retired, the less years are counted during the recount.
From the beginning of 2016, the usual procedure for recalculating pensions for working pensioners will change: insurance premiums paid in 2015 will be converted into points.
The size of government payments in August 2015
Law dated December 28, 2013 No. 400-ФЗ (revised June 29, 2015), which entered into force on January 1, 2015, says that pensions for working citizens will not be recalculated from August last year, as was done earlier, but since January 2015.
Based on this, in August 2015, the state old-age allowance was paid with a new increase and surcharge for the months that have passed since the beginning of the year, that is, from January to July 2015 (at a time).
August Auto Adjustment
Law dated December 28, 2013 No. 400-ФЗ (as amended on June 29, 2015) explains that now working people of advanced age in Russia are not obliged to write any applications for recalculating pensions for working pensioners, as was required in 2009 and earlier.
Now every year in August there will be an automatic adjustment of the old-age payment for citizens who work.
IMPORTANT: The entire amount of the employer's insurance premiums will be taken into account during the re-calculation of state benefits upon reaching a citizen of 80 years. That is, at eighty years old, a person will receive the entire insurance amount from the personal account, even if he never submitted applications for an annual increase in the amount of payments.
If you want to recalculate pensions for working pensioners this year, you need to apply for recounting at the local PF branch, once a year, and not earlier than 12 months after applying for a state pension.
All this applies to individuals engaged in self-employment, only entrepreneurs independently make contributions to the Pension Fund.
How to calculate the size of the increase
08/01/2015, a certain formula for the recalculation of pensions to working pensioners was introduced.
Two options are possible:
1) The amount earned during the year is precisely known; the company on time and in full transfers to the Pension Fund 22% of payroll.
Recalculation pensions for working pensioners performed by the formula:
PP = (RFP x 0.16) / (228 - KLP x 12):
- PP - calculated allowance for retirement benefits;
- ЗП - annual salary;
- 0.16 = 16% - the amount of insurance premium in the PF;
- 228 = 19 years * 12 months - life expectancy (adopted 19 years), expressed in months;
- KLP - the number of past retirement years;
- 12 - the number of months in a year.
This method can be used by citizens with annual salaries of up to 568,000 rubles. This amount is called the boundary for insurance savings in the PF.
And if the annual salary is higher than the boundary amount? Only 10% of insurance transfers will be sent to the personal account (HFS) (the rest is accumulated on the PF general account). And in the calculation, 568,000 rubles will still be used.
2) The exact amount of earnings for the year is unknown, the company did not pay in the Pension Fund.
In this case, you need to get an extract from your personal account at the local branch of the pension fund or at the link: www.gosuslugi.ru (this is the site of public services).
But in this case, the formula will change:
PP = (ZP * 16/22) / (228 - KLP * 12)
Here, instead of 0.16 (i.e. 16%) is 16/22.
In the second option, only 16% of the sum of all contributions to the PF — which according to Russian law must be paid by the employer (22% of the salary fund) —will be transferred to ILS. The balance is kept on the PF general account.
Recalculation of pension: specifically
Examples pension recalculation working pensioners:
Situation 1. Need to calculate the increase for a working pensioner in 2015 (first option).
Salary P. Sidorova for the year amounted to:
10,000 rubles per month * 12 months = 120,000 rubles, and he has been receiving a pension for 5 years already.
Then the pension supplement in August 2015 at P. Sidorov. will be:
(120,000 rubles * 0.16) / (228 - 5 years * 12) = 114 rubles per month.
Since August, Sidorov P.P. the state payment of 10114 rubles per month has been assigned.
Situation 2. It is necessary to calculate the increase for a working pensioner in 2015. (second option).
Approximate earnings Ivanova S.P. for the year amounted to:
6000 rubles per month * 12 months = 72000 rubles, and she receives a pension for 4 years.
Then the pension supplement in August 2015 at Ivanova S.P. will be:
(72000 rubles * 16/22) / (228 - 4 years * 12) = 327 rubles per month.
Since August, Ivanova S.P. the state payment of 6327 rubles per month has been assigned.
Situation 3. What pension will be from 01.08.2015 from a pensioner who continues to work at the plant?
Let Petrov A.A. for July 2015 received 14,000 rubles.
In August, according to the results of the recount, a new pension was established: 14,200 rubles.
He will receive in August:
14,200 rubles + 800 rubles (one-time payment for January - July) = 15,000 rubles.
In September and subsequent months, he will receive 14,200 rubles.
