The government assures that the actions associated with changing the pension system are aimed at improving the welfare of citizens who retire upon reaching a certain age. However, working retirees do not agree with this statement. In 2016, the indexation of pensions was suspended for them. As a result, the size of payments is depreciated due to constant inflation. True, the pension will be recalculated after the dismissal of a working pensioner. But some amount will be lost in any case.
Indexing moratorium in 2016
The difficult economic situation in our country forced the Government at the end of 2015 to decide not to index pension payments for retirees who continue to work. This is stated in the Law on Insurance Pensions No. 400-FZ. According to article 26.1, neither the insurance nor the fixed part is subject to annual increase since the adoption of the relevant decision.
This rule applies only to recipients of insurance benefits, the basis of which is the onset of old age, disability or loss of a breadwinner. However, for citizens who are recipients of state payments, including social benefits, the pension will be indexed, regardless of whether they continue to work while on well-deserved rest or not.
It should be understood that the increase in the pension is carried out not only in connection with the indexation. The payment of working pensioners may rise annually due to a recalculation, which is carried out in August. The amount of the pension increases when points are awarded to pensioners who continue to work officially and for which the employer regularly makes pension contributions to the Pension Fund.
Will indexing be returned after dismissal
The authorities did not completely cancel the indexation of pensions for the category of citizens under consideration. The required payments will be made to them. However, the pension will be recalculated after dismissal. Then the amount of benefits will increase, taking into account all indexations that were not made during the labor activity of a pensioner.
On the official virtual resource of the FIU, citizens can see how much they are entitled to after paying them, taking into account all indexations. However, if a pensioner again decides to get a job in an official manner, then there will be no reduction in pension. At the same time, in the new period of work, indexation will not begin again.
Many pensioners managed to take advantage of this situation. To receive recalculation of pension after dismissal, they officially left work. And after indexing, they were again employed. Others decided to continue to work in the same place, but no longer be officially employed.
Recalculation after dismissal in 2017
The calculation for pensioners who quit in 2017 was made after some period of time. Duration is associated with certain circumstances, which include the following:
- Conducting a monthly report by employers. Not later than the fifteenth day of each month, companies must inform the FIU of the currently employed employees.
- Consideration of information from employers, as well as decision-making on the payment of appropriate security.
- The payment rules, which consist in the fact that after the adoption of the relevant decision, the pension is increased only for the following months.
Recalculation after dismissal in 2018
For working retirees who decided to quit in 2018, this payroll period was reduced. The reason for this was the change in Part 3 of Art. 26.1 of Law No. 400-ФЗ, in connection with which Law No. 134-ФЗ dated 1.07.2017 was adopted. It entered into force on 01.01.2018.
Indexing after dismissal: from what month is carried out
As a result of the adopted changes, the term for recalculating the pension after dismissal has changed. Indexing is now carried out from the first of the next month after the retirement of the pensioner. Previously, the procedure lasted about three months, and the calculation of the appropriate amount of pension lasted the same period. Since this year, indexation takes a similar period of time. However, the pension will be accrued from the next month after the dismissal of the pensioner. Compensation is carried out by paying the difference between the amount of the pension, which was before indexation and after it.
The following example of recalculating a pension after the dismissal of a working pensioner will help to better understand this process. If a citizen quit in August, then information that he is still an employee will be sent to the FIU in September. In October, reporting will show that the employee's labor activity has been terminated. Then the recalculation of the pension after dismissal will be made in November. The entire amount, taking into account indexations, will go to the citizen's account in December. However, the period starting in September will be taken into account.
Retiree Actions After Dismissal
Since 2016, a new reporting procedure was introduced, on the basis of which the procedure began to be carried out in a simplified mode. Due to this, the FIU receives monthly information about each employee officially employed in a particular company. If a citizen is registered in the tax service as an individual entrepreneur, notary, lawyer or other category from among the self-employed population, then the relevant information about the termination of activity comes from the tax authority.
However, a citizen can apply to the FIU with a corresponding statement and independently. The application form can be found on the official website of the FIU or fill it out when applying to the fund with the help of specialists. Documents for the recalculation of pensions can be submitted personally, through a representative (then a notarized power of attorney is required), by sending by mail and via the Internet (on the official website of the PFR or the electronic portal of the State Service).
One way or another, the dismissal will be recorded on the basis of information received by the FIU (directly from the employer or from the Federal Tax Service). A citizen’s application cannot be taken into account earlier than the term of legal dismissal of an employee (or termination of activity when classifying a citizen as a self-employed population).
Will indexing be returned to working retirees?
If the pension for non-working pensioners is steadily increasing, it is not yet known when the indexation of pensions will be restored to working pensioners in the same order. Earlier it was announced that the Government will return to solving this issue in 2019.
However, in 2017, both working and non-working pensioners received a payment of five thousand rubles. For working citizens, this was a compensation for the abolition of the planned growth of the pension. But for now, the authorities intend to resolve crisis issues through suspended indexation further.
The question of returning annual indexation to working pensioners has repeatedly been raised in the State Duma. But so far it has not been possible to positively resolve it. Therefore, citizens can only closely monitor the news.
Pension for working pensioners
At the peak of the crisis, there were various rumors about the situation for working pensioners in the future. Opinions were expressed to completely stop paying pensions to employed retirees.Proposals were also made to supplement payments only to those who received a pension in the amount below the subsistence level. However, neither one nor the other happened. Pension is paid to non-working pensioners and workers. Citizens continue to receive payments in old age, continuing to work. In addition, the final “equalization” in relation to pension payments has not yet been established.
Pension increase in August
The employer regularly makes pension contributions to the FIU of all officially employed workers, including pensioners. Therefore, this category of citizens continues to grow seniority and accrues pension points. Recalculation of pensions for working retirees is carried out depending on the number of points accrued for the previous year. This operation is performed in August. Therefore, what kind of pension a pensioner receives can be understood by the number of points.
It should be understood that a maximum of 3 pension points earned in the previous year can be taken into account in one year. If their number is greater, then these points are transferred to the next year. Thus, annually, as a result of recalculation, the pension of working pensioners can be increased by an amount equal to 3 pension points. In 2018, 1 point is 81.49 rubles. This means that the pension can be increased by a maximum of 244.47 rubles.
Citizens should not worry and rush to apply to the FIU with a statement. This month does not depend on the month from which the pension will be recalculated after dismissal. This payment is increased in an unspecified manner on the basis of updated data received by the fund.
Other grounds for recalculating pension payments include the following:
- Reaching 80 years.
- Disability status change.
- If the child who received the loss of a breadwinner, loses another breadwinner.
Indexing for non-working pensioners
In 2018, indexation was 3.7 percent. Thus, with an average payment of 13,657 rubles, it will increase by approximately 400 rubles.
If earlier indexation was carried out in February and April, now it will be carried out only once a year - January 1. A special law was passed on this. This order was introduced from 2019 to 2024. At the same time, the increase will be larger than last year's inflation rate.
As stated in the Government, this amendment will allow to increase pension payments annually by approximately 1 thousand rubles. In addition, it is expected that in the future, pensions will increase by an amount that will exceed the level of inflation. So, in 2019, the indexation of payments will be 7.05%. Thus, as planned by the authorities, by 2024 the average pension should be 20 thousand rubles.
Previously, the indexing order was as follows:
- On February 1, an increase was applied, the value of which depended on inflation last year.
- On April 1, additional indexation was carried out if the PFR revenues allowed to do so.
Currently, the procedure for how pensions are recalculated has not changed much. But he will assume a higher indexation percentage, made possible by an increase in the retirement age. Therefore, the adopted law is inextricably linked with the pension reform carried out on this issue. Nevertheless, while these measures are implemented only in relation to non-working pensioners.
Initially, it was planned to raise the retirement age for men from 60 years to 65 years, and for women - from 55 years to 63 years. But President V.V. Putin intervened in the discussion of the bill. He made a series of concessions, which was adopted by the State Duma deputies. In particular, the proposal concerned raising the retirement age for women not to 63 years, but to 60 years. In addition, special measures were introduced to protect people who are several years old before retirement, mothers with many children, as well as some other vulnerable groups of citizens.
The authorities claim that all the money that will be saved as a result of raising the retirement age is planned to be used to increase pension payments. But we must understand that this measure applies only to insurance pensions, namely: by age, disability and loss of breadwinner.
The amount of social benefits will be established by the Government, as before, every year. You should not expect that their size will also increase by about 1 thousand rubles. Indexation of these payments will be made on April 1, and the new amount will depend on the established subsistence level. Raising the retirement age has nothing to do with this. Therefore, a large increase in payments is also not planned.
What everyone calls a pension increase of 1 thousand rubles is not the exact amount by which the payment will increase for all pensioners. This indicator directly depends on the size of the pension already paid. Therefore, it can be either lower or, conversely, higher than 1 thousand rubles.
Conclusion
Pensioners who are worried about the question of whether recalculation of the pension after dismissal are due now know the answer exactly. Indexing will be taken into account. But some of the funds they still will be lost.
The government argues the suspension of pension indexation precisely by the fact that working citizens have income in the form of wages. In addition, their pension increases due to pension points. However, pensioners themselves do not agree with these arguments. In their opinion, they have a legal right to receive not only pension payments, but also all the increases due to non-working pensioners. They believe that the law on the recalculation of pensions after dismissal infringes on their rights.