Pension in Ingushetia. Pension in magas and the republic of ingushetia. Where to apply for a supplement up to the minimum pension in Ingushetia

The pension system in the Russian Federation does not stand still, but is constantly being improved, becoming more stable and understandable. Along with this, in our country, new prospects are opening up for citizens in the formation of pension rights.

Types of pension provision

The current pension system in Russia is three levels:

• (OPS);

OPS is being formed from employers' insurance premiums (insurers) for themselves and their employees in the FIU. Within the framework of the GPT, several types of insurance pensions:

We can say that the pension under the general insurance scheme is a part of the earnings that is set aside for the future even when an insured event occurs.

Main insurer in the FSA system is Russian Pension Fund(FIU). As for, here the insurers are non-state pension funds (NPF) or management companies (MC). This type of pension payment is formed by the decision of the insured person.

But not all citizens, for one reason or another, can earn the right to. Such persons are appointed within the framework of state provision and support. The payment of such pension funds is carried out from the state budget.

Non-state pension provision (NGO) provides citizens with the opportunity to voluntarily form another additional pension, which is assigned on the grounds specified in the agreements on NGOs.

Compulsory pension insurance system

The right to a pension benefit arises upon occurrence of an insured event:

• (65 years for men and 60 years for women);

Citizens who work and pay insurance premiums to the FIU are insured persons. - this is main type of pension paymentsin Russia.

Annually government insurance payments. However, since 2016, indexation has been carried out only for non-working pensioners (Article 26.1 of Law No. 400 - FZ "On insurance pensions").

The OPS system also provides measures to support people whose payment is below the subsistence level. Such a measure is intended only for non-working pensioners through the establishment.

Individual (personified) pension accounting

Since 2002, a personified accounting of pension rights has been carried out, in which all data about citizens are contained on his individual personal account.

It is to this account that the employer transfers every month insurance payments... It also contains information about the length of service, earnings and voluntary contributions of a citizen. Thus, pension rights are formed - the basis for future pension payments.

Citizens insured in the OPS system have the right to receive an extract from their personal account in order to monitor its condition.

Individual account number is unique and belongs to only one citizen. The document on the assignment of such a number is an insurance certificate - SNILS... It is issued once and for life.

With the help of SNILS opens several possibilities:

• get a state benefit;
• receive government services in electronic form;
• reduce the number of documents when receiving public services.

An insurance certificate is also required for formation of the register of citizenswho have the right to receive public social services and benefits.

State Pensions

Funding of pension payments for state security, in contrast to the MPI, is carried out from the federal budget.

Such pensions are established for citizens in order to compensate them for their earningslost in connection with the termination of the civil service upon reaching the required length of service, or to compensate for harm caused to the health of citizens during military service, as a result of exposure to radiation, in the event of disability or loss of the breadwinner, as well as in a number of other cases.

The state pension payment is assigned at any time after the entitlement to it arises. Also, for some, payment is due 2 pensions at the same time.

Types of state pensions

There are several types of state pension payments:

• For the length of service... It is established, and subject to certain conditions, namely the availability of the necessary experience in the relevant positions.
• Old age. Assigned to citizens,. The conditions for the emergence of the right to it depend on the category of the recipient, the nature of the work performed by him, the place and duration of his stay in the contaminated area.
• Disability... This state pension is established in the event of the onset of incapacity for work among citizens from among the astronauts, as well as those injured at the Chernobyl nuclear power plant and awarded the sign "Resident of the besieged Leningrad".
• On the occasion of the loss of the breadwinner. Such a pension payment, established by the state in the event of the loss of a breadwinner, namely, conscripts, citizens exposed to radiation, astronauts and candidates for them, is assigned to disabled members of their families.
• Social pension. Paid in accordance with the provisions of Law No. 166-ФЗ dated 15.12.2001. "On state pension provision in the Russian Federation" if the insured person does not have the required insurance experience. also divided into the following types:

Non-state (additional) pension provision

Along with state measures for the formation of pension payments, citizens can take part yourself in increasing your future pension.

Additional pension provision is carried out on a voluntary basis by concluding an agreement between the depositor and any non-state pension fund (NPF). The list of such funds that are currently operating (licensed) is given on the official website of the Central Bank.

According to such a document, within a certain period of time, the citizen will transfer the agreed amounts to his personal account.

As a rule, these agreements are concluded for the pension provision of such categories of citizens who are engaged in hard or dangerous work, so that after retirement payments could compensate for their work (a list of such positions is given in subparagraphs 1-18, paragraph 1 of article 30 of Law No. 400 "On insurance pensions").

For such citizens, contracts can be concluded early non-state pension provision, which determine the pension scheme, the procedure and conditions for the payment of non-state pensions (paragraph 2 of article 3 of the law of 07.05.1998 N 75-FZ "On non-state pension funds".

Pension reform

The rules in force since the beginning of 2015 removed the funded part of the pension from the insurance and made it. Such a payment can be established both by the PFR and by non-state pension funds, if a citizen decides to form his savings in one of them.

Rising significance of insurance experience at. Also plays an important role and wage level, from which insurance premiums are transferred to the FIU. The longer the length of service and the higher the salary, the greater the amount of the pension payment will be.

Until the end of 2015, citizens born in 1967 and younger had, namely, to form an insurance and funded pension or. For citizens who first started their labor activity after 2015, such a choice will be granted within the first five years.

Another opportunity to increase the size of your future pension is later exit... For each year of delayed retirement, increasing coefficients to insurance and fixed payments will be accrued.

Insurance and funded pension

The basis for future insurance pension payments are those transferred by employers to the FIU for their employees to their individual accounts. The insurance premium rate is 22% of the salary. The government approves the maximum level of the contribution base every year (in 2019 - 1,150,000 rubles).

• When forming the tariff will be distributed to individual at a rate of 16% (in this case, all contributions go exactly to the insurance pension) and joint and several in the amount of 6% (to finance a fixed payment to current retirees).
• Citizens of a certain age, namely born in 1967 and younger, can (could) choose a different way of forming their future pension, deciding to deduct part of the funds for. Then the individual tariff will consist of 10% for an insurance pension and 6% for a funded pension, while the solidarity tariff will remain unchanged.

New pension formula for calculating pension

It is important to remember that all pension rights formed before 2015 will be retained, recorded and. If the final pension amount is lower than the established one, then it is left at the same level.

Individual Pension Ratio (IPC)

The individual coefficient is the basis for the formation of pension rights citizens on a new point system. Its value is different for each citizen, since the PKI is equal to the ratio of the salary of an individual person to the maximum salary with which employers pay payments to the PFR.

IPK \u003d (SV / MV) × 10,

• IPK - the annual individual pension coefficient;
• SV - the amount of insurance premiums for a citizen at a rate of 16% or, when forming a funded pension, 10%;
• MV - the amount of contributions from the maximum contribution-taxable salary (in 2019 it is 1,015,000 rubles).

Accordingly, the higher the salary, the higher the pension coefficient. With an equal income level, the PKI will be higher for the citizen who refused to form a funded pension.

All individual odds will be summed up... It is especially worth noting that IKP is charged including for some non-insurance periods, for example, conscript military service, parental leave (Art.12 Law No. 400 "On insurance pensions").

In addition, the law establishes the maximum IPC value, equal to 10, but this limit will be gradually set from 7.39 in 2015 to 10 in 2021 (9.13 in 2019).

Analysis of the Russian pension system

A set of measures to reform the existing pension system since the beginning of 2015 affected all participants ... However, there was no immediate solution to the accumulated problems:

• pensioners are still unhappy with the payment they receive;
• insured - high contributions to the Pension Fund;
• the state - by the fact that the indignation of citizens is growing, and the Pension Fund itself is finding it increasingly difficult to collect the necessary funds to fulfill its obligations.

It causes some bewilderment among citizens when their insurance premiums are transferred into points, and the state independently sets their value.

In addition, the economic and demographic situation in the country complicate the status quo... The number of recipients of pension payments is growing and the number of employees, and, consequently, the number of contributors is decreasing. Thus, the balance of the main principle of the current pension system - the principle of solidarity between generations - is upset. In addition, the decline in household incomes adversely affects contributions to the PFR.

One of the ways out of this situation was for 5 years (that is, up to 60 and 65 years). A gradual transition to new standards for the retirement age will be carried out from 2019 to 2023 with an annual increase of 1 year.

Conclusion

The laws in force in our country since 2015 have brought many changes to the pension system. The main difference between the existing procedure for the formation of pension rights is their calculation in conventional units - individual coefficients. An important innovation was the indexation of pension payments only for y, as well as an increase in the retirement age for insurance and social pensions.

• The existing pension system in Russia is three-tier. The main share is guaranteed by the state.
• is the main type of pension in Russia. Citizens' pension rights are formed on their individual personal accounts. Each citizen is assigned his own unique number, reflected in.
• Citizens who have made a choice before the end of 2015 in favor can increase the amount of their future payments by voluntarily transferring part of the funds to a management company or a non-state pension fund. However, in 2018 the moratorium on the formation of pension savings has been extended, that is, these funds will be used for an insurance pension (this measure will also be in effect in 2019-2020). But in any case, all payments made by the employer will participate in calculating the amount of future pension payments.

30.10.2018

Minimum pension in Ingushetia in 2019

The subsistence minimum for a pensioner as a whole in the Russian Federation is established to determine the size of the federal social supplement to pension.

The regional subsistence minimum for a pensioner is established in each constituent entity of the Russian Federation in order to determine the social supplement to pension.

If the pension is below the subsistence minimum for a pensioner established in your region, which, in turn, is below the subsistence minimum for a pensioner in the whole of the Russian Federation, then a federal social supplement is established.

If the pension is below the regional subsistence minimum for a pensioner, which exceeds the subsistence minimum for a pensioner in the whole of the Russian Federation, then a regional social supplement is established.

Only non-working pensioners have the right to a social supplement to pension if the amount of their material support is lower than the pensioner's subsistence minimum established in the region at their place of residence.

For information

In addition, in order to assess the standard of living, form the budget and solve other problems, a regional subsistence minimum in Ingushetia is established on a quarterly basis. It is calculated on the basis of the consumption basket adopted in Ingushetia for the general population, able-bodied people, children and pensioners. For the 2nd quarter of 2019, the subsistence minimum for pensioners in Ingushetia was 7899.00 rubles.

Schedule. Change in the regional subsistence minimum for a pensioner in Ingushetia

Table. Regional subsistence minimum for a pensioner in Ingushetia (to establish supplements to pension)

Where to apply for a supplement up to the minimum pension in Ingushetia

To resolve all issues related to obtaining a minimum social pension, you must contact

Recalculation of insurance pension without application

Indexing

The amount of insurance pensions has been increasing annually from February 1 due to an increase in the value of the pension point, the amount of which is set by the Government of the Russian Federation depending on the price growth index for the past year. The size of the fixed payment also increases. From April 1, an additional increase in the value of the pension point is made to the value established by the Federal Law on the Budget of the Pension Fund of the Russian Federation.

Recalculation of the insurance pension to working pensioners without a request from August 1 of each year

This recalculation is made by increasing the individual pension coefficient. Many retirees continue to work after retirement. In this case, employers pay insurance contributions to the compulsory pension insurance system for them, taking into account which the PFR authorities recalculate the amount of the insurance pension. Since the amount of contributions for each citizen is individual and depends on the size of the official salary, the amount of the increase in pension is also individual.

The legislation establishes the maximum value of the individual pension coefficient, which is taken into account when the insurance pension is recalculated without an application. This value depends on whether the pensioner is forming pension savings or not:

3.0 - for pensioners whose pension savings were not formed in the corresponding year;

1,875 - for pensioners whose pension savings were formed in the corresponding year.

Recall that during 2014-2015, every citizen born in 1967 and younger could choose the option of pension provision for compulsory pension insurance: to form only an insurance pension or to send part of the employer's insurance contributions to the formation of a funded pension.

An unreported recalculation of the amount of a fixed payment to the insurance pension is carried out in the case of:

Achievements of the recipient of an old-age insurance pension at the age of 80 (does not apply to pensioners who, before reaching the age of 80, have increased the fixed payment for disability of the 1st group);

Disability group changes. Applies to disability insurance pension. At the same time, an increase in the fixed payment to the old-age insurance pension is possible for disabled people of group I, if the fixed payment was not increased earlier when reaching 80 years of age.

Recalculation of payments from pension savings

Citizens who are recipients of a funded pension or an urgent pension payment, from August 1 of each year, without a declaration, the amount of these payments is adjusted without a request based on the results of investing the funds of the payment reserve, as well as based on the amount of received insurance contributions.

Recalculation of insurance pension upon application

The declarative recalculation of the amount of the fixed payment to the insurance pension is carried out in the case of:

Changes in the number of dependent family members who are disabled. When a pensioner has disabled dependents, an increased fixed payment is established to the insurance pension for old age and for disability (no more than three disabled dependents are taken into account);

Acquisition of the necessary calendar work experience in the Far North (15 calendar years) and (or) equivalent areas (20 calendar years) and (or) insurance experience. An increased fixed payment is established for the insurance pension for old age or for disability;

Changes in the category of recipients of the survivor's insurance pension. For example, a child receiving a survivor's insurance pension on behalf of one parent and subsequently losing a second parent is entitled to an increased fixed benefit.

Recalculation of insurance pension taking into account non-insurance periods

The periods of work during which insurance contributions to the Pension Fund are paid for a citizen are called insurance. Along with them, there are so-called non-insurance periods when a citizen does not work and employers do not deduct contributions to compulsory pension insurance for him, but his pension rights to an insurance pension are formed. Such periods, for example, include periods of caring for a child up to 1.5 years old, for disabled people of the first group, 80-year-old citizens, a disabled child, conscription service in the army. Like insurance periods, non-insurance periods are counted in the length of service, and the state calculates pension points for them.

If the periods of work coincide with the non-insurance periods, at the request of the pensioner, one of them is taken into account: either work or a non-insurance period. Pensioners who have children, low wages and (or) short work experience can count on such a recalculation.

It should be borne in mind that only those citizens to whom it was assigned before 2015 should apply for the specified recalculation of the pension. When calculating pensions assigned according to the new pension formula from 2015, according to the law, the most profitable option is selected, so there is no need for recalculation.

These recalculations are made from the 1st day of the month following the month in which the application with the documents was accepted.

Branch of the Pension Fund of the Russian Federation for RI

The material is published on commercial terms. The editorial board of the Ingushetia newspaper is not responsible for the content of the material. Goods and services are subject to mandatory certification.

Each region of our country has its own pension legislation. Republics within the Russian Federation are also no exception here. Let's consider how the pension will be formed in Ingushetia in 2019 and what new awaits the pensioners of this region.

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Formation of federal and regional pension payments

Everyone who has acquired the right to (in the past - labor) or social pensions - receive them in Ingushetia, subject to an application to the territorial divisions of the PFR at the place of their permanent residence.

Attention! In the Russian Federation, the declarative principle operates in the system of pension legal relations. The pension is not automatically assigned or paid to anyone.

By the way, now you can apply for a pension at absolutely any age from the moment you acquire pension rights. On the contrary, the later a person applies for a retirement appointment, the higher his pension will be. Since there is currently a bonus system (assignment of premium pension coefficients) for.

Who is eligible for a federal pension?

Residents of Ingushetia can apply for an insurance pension subject to the following conditions:

• reaching the generally established (55/50 years - for men and women, respectively) or special retirement age (determined by separate legal norms - including regional),
• the acquisition of minimum indicators - (from 8 years now, and by 2024 this indicator will be equal to 15 years) and pension points provided for in the next year by the Government of the Russian Federation for obtaining pension entitlements.

Do you need on this issue? and our lawyers will contact you shortly.

Who can count on regional surcharges

Not all pensioners living in Ingushetia can count on the help of the republican government. Social assistance in the form of additional payments to pensions applies only to those of them whose total social income (pensions, subsidies, benefits, monthly income, social services, etc.) does not reach the special PM established in the region.

Attention! In 2017, this figure was 8,400 rubles. And since 2018, it has been equated to the federal PM for pensioners.

Thus, in 2018 in Ingushetia, pension social payments were received by citizens with an income of less than 8400 rubles. Surcharges are the actual difference between the values \u200b\u200bof subsistence allowances and their total income. This payment is also made out to the FIU at the place of residence.

Important! .Html no additional payments are required.

To apply for social security payments, in addition to the application, the following documentation is required:

• the passport;
• documentary evidence of lack of employment.

Where to go

• 386001, Magas, I. Zyazikov Ave., 1
• 386203, village Sunzha, st. R. Luxemburg, 43
• 386300, Malgobek, st. Gardanova, 27
• 386101, Nazran, ter. Central District, I. Bazorkina Ave., 4.

Normative acts

1. Law of the Republic of Ingushetia No. 41-RZ of October 30, 2017 "On the Establishment of the Amount of Pensioner's PM in the Republic of Ingushetia for 2018"
2. FZ-178 of 17.07.1999 "On state social assistance."