Transforming the pension system is currently one of the most talked about topics. The changes concern the retirement age, the transition to scoring, indexation and so on. Various increments are also introduced. One of these is the recalculation of the pension for children. Innovations appeared in 2015. Recalculation depends on many factors and is carried out individually. But since most retirees cannot boast a high pension, this supplement raises many different questions. Therefore, it is advisable to deal with the new calculation procedure.
Legislation
The Law on Amendments No. 213-ФЗ entered into force on 01.01.2015. From this moment, the right to retirement consists of points or ratios. If there is official work, a certain number of points are awarded annually. Also, persons who care for disabled people are entitled to a minimum number of points. Thus, all types of activities are evaluated in points, the number of which is growing from year to year, and by the time you retire it will be possible to provide yourself with everything you need for life. If in 2018, to retire, you need to get 13.8 points, as well as nine years of experience at least, then by 2025 you will need 25 points and fifteen years of experience, respectively.
Recalculation of pensions for women who gave birth to children before 1990 is carried out on the basis of the set-off of non-insurance periods. That is, the time taken by the mother to care for the children, which is calculated in points, is taken into account.
The number of points for each child
Points are also taken into account when a woman is taken on leave to care for a baby up to one and a half years. As with caring for a disabled person, the mother receives 1.8 points for the calendar year of caring for the baby. If the child is the second, then 3.6 points are awarded, and the third or fourth - 5.4 points. Thus, women whose retirement age came before 2015 were given the opportunity to change their working hours for the period of childcare, if such a calculation is more profitable. This question depends on the level of salary. With high income and appropriate pension contributions, 6 points or more are awarded. If the salary is small, then it is more profitable to replace this period with the time of childcare.
To whom do the recalculation
Recalculation is unlikely to be beneficial for mothers with one child. But the woman who raised one child is also entitled to apply to the fund to find out which recalculation of the pension for children will show the result. At the same time, the corresponding right arises not only in connection with an old-age pension, but also for disability, as well as when going on vacation ahead of schedule. You can submit an application at any time from the moment when the corresponding right appeared. Recalculation of the pension for children is carried out from the 1st of the next month after the application is submitted.
In addition to the mother who gave birth to one child, there are other categories of citizens who should not count on recalculation. These include the following:
- Who went on holiday by old age since the beginning of 2015. In relation to these citizens, all calculations were made according to the new rules. Non-insurance periods have also been recorded.
- Citizens receiving state pension payments in connection with a radiation disaster (in Chernobyl), which is established in a certain amount.
- Those who retired early. If you replace non-insurance periods with points, then an early pension may be lost. Recalculation for children before 1990 does not make sense in this case.
- Those who receive a survivor's pension.
What will be the increase after recalculation
Recalculation is carried out individually.In this case, the following components should be taken into account:
- Seniority until January 1, 2002 (that is, before the start of the reform).
- Average earnings.
- Insurance premiums that were transferred after 2002.
- Period of stay on maternity leave and caring for all children.
- Duration of employment upon early retirement and so on.
If a woman was employed while caring for a child, then it is allowed to set him off as a working period or caring for a baby, depending on which period is more favorable. If the woman was not employed or combined the time of birth of the child with the study, then this period can be included in the non-insurance experience, as a result of which the number of points will increase and the size of the pension will increase.
An average pension increase is not foreseen. Recalculation of the pension for children is beneficial if the total amount of points increases, but not decreases. The increase can be only 5 rubles or 200 or more. A significant surcharge may be if the woman has three children, and there was a small salary. She can count on an increase of 700 rubles. and more.
It also happens that recalculation shows a negative result. But do not worry about it, since the payment will not be reduced. The right to recalculate arises from one of the parents. A father can also apply to the FIU with a statement. Parents should agree among themselves who should do this.
It is most convenient to understand how the recalculation of pensions for women who have given birth to children is best illustrated by an example.
Example
Ivanova retired in May 2014. The following calculations will show how her pension will differ according to the old and new rules. The total length of service is 18 years. From 1978 to 1997 (15 years), and also from 2005 to 2008 (3 years), the employer transferred 135 thousand rubles. on the insurance pension part. She did not have a funded pension. Until 1991, the experience was 11 years. Ivanova has two children who were born in 1978 and 1986. She was on vacation for a year and a half to take care of each of them. The salary ratio is 0.8.
The calculation under the old rules is as follows. Uninsured time is counted on the basis of the provisions provided by law No. 173-FZ.
- The estimated pension until 2002 received a value of 256.72 rubles. based on (0.55 * 0.8 * 1 671 - 450) * 18/20.
- Valorization amounted to 53.91 rubles, or 256.72 * (0.1 + 0.01 * 11).
- The supplement for pension contributions since 2002 is equal to 592.11 rubles, i.e. 135 000/228 (months).
- It turns out that without indexations and a fixed part, the pension is equal to 2,336.24 rubles, or 592.11 + 5.6148 * (53.91 + 256.72).
Considering that in 2015 1 point was equal to 64.10 rubles, then this amount is equivalent to 36.45 points.
If we recalculate the pension for children born to Ivanova, then we get the following. The entire amount, including the period of child care, must be converted to points. After that, subtract three years of service (that is, one and a half years for each of the children).
- The estimated pension until 2002 will receive a value of 213.93 rubles, or 15/20 * (0.8 * 0.55 * 1 671 - 450).
- Valorization will amount to 38.51 rubles, or 213.93 * (0.01 * 8 + 0.1).
- The pension supplement will remain the same: 592.11 rubles.
- As a result, the pension will amount to 31.35 points or 2009.51 rubles. And if you add to this the period of childcare, you get 39.45 points, or 5.4 + 2.7 + 31.35.
Thus, Ivanova’s number of points will be greater if the pension is recalculated for children born before 1990. The law in this case applies No. 400-ФЗ. As a result, the pension will increase by several hundred rubles (depending on the value of the pension point).
Additional payment
The application can be submitted to the FIU, as well as to the MFC. If it is not possible to apply in person, then the procedure can be initiated on the Internet through the electronic portal of the State Services or on the official website of the FIU. It is also allowed to send the application by mail.
PFR territorial department may be contacted both at the place of residence and at the place of temporary residence. If the citizen’s pension business is in another region of the country, then the fund employees transfer the application within the department. True, in this case, the registration will take more time than usual.
It is also convenient to use the services of the MFC, especially since the offices work until 20:00 (including Saturdays), while in the Pension Fund the working day ends already from 17:00 to 18:00, and on Friday - even earlier. But we must understand that the recalculation of the pension for children, one way or another, is made in the FIU. In this regard, the procedure for registration through the MFC may take longer than when applying directly to the FIU.
If a citizen prefers to send the application by mail, then copies of documents must be attached to it. Originals are not mailed. To ensure that employees of the FIU do not have doubts about the authenticity, all copies should be certified by a notary.
You can also make a statement online on the State Services website after completing the registration procedure. At the same time, incoming notifications should be monitored, because PFR specialists may request to submit some documents within the prescribed time period. If this is not done, then the recalculation of the pension for women giving birth to children will not be carried out.
The application is a standard form. If you intend to contact the territorial department personally, you can fill it out in advance by printing it on the electronic portal of the State Service or on the website of the FIU. This can also be done in the presence of a specialist when receiving documents. The citizen signs the application with his own hand or his representative makes it. It indicates the following information:
- name of the territorial authority;
- Name, SNILS, registration address and place of stay;
- type of pension to be recalculated;
- date and signature are put.
Together with the application, it is necessary to present documents confirming the birth of children. If this document is lost, then you can get a birth certificate from the registry office.
When studying documents, the time for caring for a child up to one and a half years is taken into account. This is confirmed by a stamp on the child’s document. If he changed his surname or his family relationship with his mother is not tracked on the main documents, it is necessary to submit official papers that confirm the relationship.
Sometimes you need to bring documents about the period of stay on parental leave in order to clarify the dates. But the employee can independently make the corresponding request.
For children born before 1990
The innovation for many remains incomprehensible, since there is a lot of talk about it, and various rumors also appear. For example, one can often hear that only the pension is recalculated for children born before 1990. However, it is not. There is no age binding in the law. It is only said that the recalculation of the pension for women for children applies only to those born before 2015. The reason is the new principles for granting pensions from this period.
If a pensioner works
According to the law, the size of the pension payment of working pensioners has been reduced since 2016 due to the lack of indexation. In general, the underpayment is from 1 thousand to 2 thousand rubles. At the same time, the size of the pension is still increasing, but on a different basis. The differences are as follows.
Indexing for non-working pensioners is carried out at the beginning of the year. Its size always depends on inflation. For working pensioners, indexation is not carried out. But they continue to accumulate pension points. In August, the pension is recalculated. Children born before 1990 and later have nothing to do with this. Recalculation of payments can be performed both for working and non-working pensioners.
Payments to former employees of the Ministry of Internal Affairs
Unlike state benefits, payments to former military personnel and employees of the Ministry of Internal Affairs do not provide for the recalculation of pensions for children until 1990. The reason is that when assigning a pension, the length of service is mainly taken into account. Therefore, points do not accumulate.
At the same time, pensioners of the Ministry of Internal Affairs (as well as military pensioners) who receive a second payment for seniority can apply to the FIU to recalculate the pension for women who have children. They have every right to do so.
Extra charge for a child under 18
Do not think that recalculation of pensions for women for children has not been done before. He was, but many did not know about it. All citizens who receive a disability or old-age insurance pension have the right to count on an increase in payment for a child under the age of majority. Its value is 1/3 of the base part of the payment.
Old-age pension is divided into a fixed part and points. In 2018, the amount of fixed insurance payment is 4,982.90 rubles. 1/3 of this amount is equal to 1,660.97 rubles. This is the size of the state supplement to the pension for a minor child. To make a payment to the FIU, you must submit a document confirming the birth of the child. The allowance is made only from the period when the pensioner applies with a corresponding application. Over the past period, recalculation of pensions for women who have children is not done.
Allowance for two children
If a pensioner has two minor children dependent, then the supplement to the main payment is doubled. Thus, it turns out: 1660.97 * 2 = 3 321.94 rubles. This amount will be paid until he is 18 years old. After that, the increase is removed automatically (with the exception of cases of further education of the child at the university). If both parents are pensioners, then the surcharge is paid to one and the other.
Allowance for disabled children
There are cases when a disabled child is dependent on a pensioner. Then the pensioner is supplemented with payment. The following circumstances are taken into account.
- For a minor disabled child, 1,660.97 rubles are paid.
- For an adult with a childhood disability, surcharge is possible only with proof of the fact of dependency. Documents are presented on the income of the parents, the child, evidence of cohabitation and other circumstances. If there are documents that indicate dependency, then the corresponding pension supplement is established. And if this fact is not documented, the pensioner is refused. He can go to court to establish the fact of dependency. But the court will also need to present the relevant documents.
- If the family has a disabled child, but neither the mother nor the father are pensioners, then one of the parents has the right to apply for compensation for the care of the child. Its size is 5.5 thousand rubles. This period is considered to be a non-insurance experience for the parent.
Student allowance
As a rule, there are no problems with a pension supplement for a child before reaching adulthood. After that, appropriate compensation can only be counted on if the child has entered and is studying full-time at the university. To do this, you should contact the PFR office at the place of residence and submit a certificate from the educational institution. Then the pension supplement is paid up to 23 years of age.
Conclusion
As you can see, recalculating pensions for children born before 1990 or later may not always be beneficial. In addition, even if the payout increases, the amount is usually small. The excitement around raising pensions on this basis is clearly exaggerated.
On the other hand, the markup is not done automatically. Only upon submission of the application is the recalculation of the pension made. Children born before 1990 may be a reason for their parents to pay extra. Therefore, it’s worth applying for this procedure. A pensioner will not lose anything, even if the result is a minus sign.