Yesterday, the Ministry of Labor and the Pension Fund presented a new pension formula. If the government approves it, a new order will come into force on 1 January 2015. This was announced by the Minister of Labour and Social Protection of Maxim Topilin.
The head of the Pension Fund Anton Drozdov, in turn, said that the "transition" in 2014 is needed in order to prepare for the new rules of calculation and conversion to another pension rights, as reflected in the individual accounts of citizens to the FIU.
Old-age pension will continue to consist of two parts: the insurance and funded. The new formula will be used only in the calculation of pension, the storage part will be formed as before, this procedure remains the same.
The main difference between the new formula: C system "leaves" of the absolute numbers in rubles. Personal contribution of each employee will appreciate using the coefficients.
Now the pension depends on the amount of insurance premiums that throughout his working life has paid to a pension fund of his employers. The duration of work experience virtually ignored.
For "full" employment (rather than social) pension was enough to work out a total of five years. On the one hand, such a procedure is not too fair in relation to employees who are working in good faith for decades, as well as against employers who are not "conceal" the true size of the salary, pay her "in white" and regularly list sotsvznosy.On the other hand, the existing rules lead to an overstatement of pension liabilities compared with the actually paid in respect of contributions to the pension system. This "distortion" that exacerbates the deficit of the Pension Fund, agreed to eliminate by using the new formula.
The role of length of service, as well as earnings, becoming a key. For each employee upon retirement will calculate its individual pension coefficients for each year of service, estimating with it, with what is the amount of earnings in any given year shall pay the premiums.
That is, the ratio of the employee's annual pension will be calculated as the ratio of its official earnings to the government approved the maximum amount of wages, which charged the full rate of pension contributions.
The maximum value of the annual PC is 10. This value will be for those workers who earn no less than the maximum, "bar" for the payment of contributions.
But this ratio in each individual case and may rise or fall. For example, additional "points" (increase rate) will be available for additional years of experience. The women - more than 35 years for men - more than 40. Maximum possible processing - 10 years. Also a bonus given to those who, having reached retirement age, the pension will not execute immediately, but defer its receipt. Again, the maximum bonus - for 10 years "processing."
The following factor will be for workers with lower earnings. Also provides for reduction, if a person sends to the funded pension as possible (under the law) the percentage of his salary - 6%. (For those who are limited to 2% of the tariff - reduction will be smaller).
Certain factors will appoint the employee and for the time that the future retiree served in the army, took care of a young child (and for the first child ratio will be lower than in the second and third).
In calculating the annual rates of all pensions will be added. This final factor which will be taken into account and "premium," and lowering scores, will be involved in determining the proper amount of pension - not a relative and in absolute terms of rubles.
For this, the Government will annually approve the "cost" of the unit's annual pension rate.Depend on this "value" is the value of the proceeds to the pension fund or, if you summarize, the economic situation in each year. So the government "hedging" Pension Fund from "overspending", laying the possibility, if necessary seknomit. The notional value of the pension rate in the current year - 57.9 rubles.
By multiplying the total individual coefficient future pensioner its value in a given year (the year of retirement) - as a result we get the pension. In this case, it also, as now, enter a fixed payment.
Thus, representatives of the Ministry of Labor stress, retirement will be profitable. "For example, if you have worked after retirement age three years, the fixed payment for the same earnings to increase by 19%, and pension insurance - by 24%. If you delay retirement, and its design for 8 years, nearly double the amount of pension - fixed payment will increase by 73%, and the insurance part - 90%), - presented the results of calculations of the authors of the formula.
With this new settlement procedure applies only purpose of old-age pensions. Pensions for disability and survivors' benefits will be appointed as before.
Yesterday, along with a new formula FIU and Labor Ministry introduced a new serviceretirement calculator . This is a special program on the website of the department. It helps to calculate approximately what would be the benefit if it was administered in prices this year. The calculator does not give an exact calculation. It is needed to ensure that the employee clearly imagine how it will affect the size of the pension different circumstances of his working life: the number of years of service, non-insurance periods (in the Army, having children), salary, etc.
Calculator is very simple: in the proposed field, enter the most general information about themselves and their work. You are a man or a woman (depends on length of service and statutory retirement age), in what year were born to serve in the army, gave birth to children. It is necessary to take into account the so-called "non-insurance" periods when the person was not working and did not list pension contributions. A key indicator - the value of work experience. Program will take into account the fact whether you are ready to work without going for a pension even after you turn 60 (55) years. In addition, the need to "report" that by which tariff (2 or 6%) you form part of a funded pension (depends on the size of the insurance and pension). Finally, the last field "clog" the value of the average annual earnings. Next - click on the "calculate" - and the system will give two sums which would have been conditional pension calculated according to the present law, and - under the new formula.
The main advantage of the calculator - that's what it is "automatically", you can compare the amount of pension calculated at different options. That is, you can visualize what will be the pension of a particular case.
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