The issue of maintaining financial well-being in old age worries every person. Pension - as the only option in order to make ends meet, is one of the main social guarantees of our state. But the size of this content is very strange: almost the same amount is received by exemplary workers who paid taxes all their lives, and outright loafers who do not have experience. What is the reason for this unfair equality? Let's try to figure out examples.
Just the hope of a good pension, because you have worked all your life - a naive position. In order for the accrual of pensions to go down without surprises, you will have to deal with the most common causes of infringement of the rights of conscientious employees on your own.
Features of the pension system
The main reason why there are so many questions to the pension system is called its reform. In the 90s, this mechanism worked in half with sin. At that time, the situation was saved by the favorable structure of society (there were many young people and people of working age).
Currently, the situation has changed, which means that new changes are needed. On the one hand, the process of calculating pensions has become more transparent: in electronic form, you can request complete information about your pension savings and even verify their correctness. On the other hand, there are no precedents for significant errors and a radical restoration of justice.
In my opinion, young people should not particularly rely on pension payments. Too often this system is in a fever, and there are no bright prospects that it will continue to work. Money turned into points, and points are very likely to turn into candy wrappers.
Sometimes people are to blame
Nevertheless, it is purely hypothetically possible to tackle the issue of restoring justice if you see obvious violations in your personal account.
The first cause of error is the human factor. Moreover, he is on the part of the employer, and in the pension fund of Russia. It is especially important to check the accumulation of seniority, as this parameter is critical when calculating pension payments.
For example, the problem may be in the incorrect filling out of documents (work book, orders, etc.). As a result, part of the experience is simply not taken into account. To exclude such losses, you will have to independently ask yourself about the correctness of paperwork. Usually, if an employee raises this issue, the personnel department tries to put everything in order.
The sooner an error is identified, the more time will be available to correct it, and, consequently, the size of the future pension will be higher.
How to recalculate the amount of pension?
Self-recalculation is a rather laborious and frankly ungrateful affair. Therefore, you will have to seek clarification from the appropriate authority according to the following algorithm.
- At your PFR office, you are writing a pension recalculation application. Based on it, a check will be carried out, within 5 working days you will receive a response.
- If the calculation still contains a discrepancy with what you have in practice, you will have to contact the higher branch of the FIU (for example, at the regional level). In order not to waste time, it is better to immediately state the essence of the claims on your part.
- When the answer is received without satisfying the requirements and the justified reasons for the refusal, you can begin the procedure for sending a complaint to the prosecutor.
In the case of active actions to establish justice through the prosecution authorities, it will not be out of place to turn to a professional lawyer for advice.
What to do to increase your pension?
The FIU is conducting an active social campaign to inform citizens about how to affect the size of future pensions.
The first thing you need to pay attention to is the correct registration of employment and receiving a salary in an official manner with all deductions. Only such income is taken into account in the formation of future payments. The same applies to the second job or part-time job. If they are official, then you can count on retirement more.
The second option is to receive official additional income from self-management of pension contributions. It implies the choice of a non-state pension fund.
The third way is additional contributions to the Pension Fund for the formation of a pension. Although it is better to do the opposite - put free money in a bank or invest on your own.
Why was the pension reduced?
If you find that the amount of your pension has become smaller, this is a reason to start clarifying with the FIU. Most likely, one of the following reasons will be revealed:
- failure of the banking system;
- some loan agreements involve writing off funds directly from a pension account, so be extremely careful when signing documents on financial obligations;
- the fact of writing off debts;
- clarification of the circumstances of unreliable accrual of seniority.
In fact, it is the latter of the options that is the most difficult. Restoring justice and proving the truth in this case may be related to litigation. In order to start clarifying what happened, be sure to request a written notice from the fund about the reasons for the recalculation towards a decrease.
