How many points for a future pension will you earn in 2021: calculation example

Who is entitled to a pension?

In order to become eligible for old-age insurance payments, you must:

1. Reach a certain age: for men - 65 years, and for women - 60 years. This takes into account the transition period, which in Russia lasts differently for different categories of pensioners.
2. From 2024, a minimum of 15 years of insurance experience is required, taking into account the conditions for the transition to a new pension period. For 2021, the duration of the required insurance period is only 11 years.
3. The smallest number of coefficients for a pensioner is 30 from 2025. In 2021, only 18.6 points.

For those men and women who work in state, municipal positions, and in the state civil service of the Russian Federation, retirement has been postponed since 2021. The beginning of pensions for them is 65 years and 63 years, respectively. But if such citizens have a length of service with payment of contributions of 42 years and 37 years for men and women, they can assign pension payments ahead of schedule, but not earlier than at 60 and 55 years.

The number of accumulated coefficients depends on the contributions paid to the compulsory pension insurance system and on the period of deduction of money to the compulsory pension insurance system.

Harmful professions for receiving early retirement

There are a number of requirements that the preferential category of workers must meet:

• permanent residence in the Russian Federation;
• citizenship of the Russian Federation;
• the existence of a funded part of the pension;
• citizens must be insured by the Pension Fund.

At the legislative level, lists of professions are defined that grant the right to early receipt of a pension. The difference is characterized not by the list of specialties, but by working conditions.

“List No. 1” includes work activities with particularly dangerous conditions (high probability of causing harm to health). “List No. 2” includes professions considered dangerous and difficult (without the prefix “especially”). There are 24 industries in these lists in total. This list reflects only industries. But not all professions in various industries are preferential. For more detailed information, you should contact the branch of the Russian Pension Fund or study the information presented on the official website of the fund.

Professions from lists No. 1 and No. 2 have the following benefits:

First of all, early retirement. Persons working in hazardous industries are exposed to danger every day, so they are allowed early retirement. Citizens working in hazardous industries are provided with:

• the work week has been shortened. 36 working hours are divided into the same number of shifts;
• paid vacation in the amount of 28 days;
• additional salary allowances;
• the employee and his children are provided with vouchers for sanatorium and resort treatment;
• issuance of free tools, work clothes, detergents, etc.

The provision of a preferential pension is carried out as follows:

• “List No. 1”: Male and female citizens retire at the ages of 50 and 45, respectively. The total working life of men is 20 years, and in hazardous production 10 years. Women have a total work experience of 15 years, and 7.5 years in hazardous work.
• “List No. 2”: For male and female citizens, pensions begin at 55 and 50 years old, respectively. The men have a total of 25 years of experience, and 12.5 years in hazardous production. For women, they have 20 years of total experience and 10 years of experience in hazardous work.

How are points taken into account and what are the requirements?

Pension points were introduced in order not to depend on inflation. For each year of work, pension coefficients are calculated. Before retirement, the total number of accumulated coefficients is calculated and multiplied by the cost of one point in the current period.

Due to changes in the pension age, a transition period is currently ongoing. By 2025, older people will need at least 30 points to receive cash payments from the budget.

The size of points and length of service in different periods differs for Russian pensioners:

In the case where the points and experience meet the minimum requirements, you will be assigned a fixed payment, which is indexed annually. If they are not enough, then you can only apply for a social pension, which comes 5 years later and its amount is much lower. If the discrepancy is insignificant, then you can buy the missing points or continue working in the same place or a new one. Read the article about where to find a job for a pensioner.

Cost of points

To convert PB into rubles, you need to multiply only 2 numbers: the number of PB by the price of one PB. Below you can see an example of this procedure.

A college teacher received 20 thousand monthly. During the period of work, he accumulated 100 PB. In 2021, the price of one PB is 87.24 rubles. Consequently, a citizen’s pension insurance will be equal to the product of 100 and 87.24, that is, 8724 rubles. Of course, the fixed payment equal to 4983 rubles is not taken into account here. It must be added to the citizen’s insurance pension; it is also paid every month.

Maximum score in 2020

The number of points earned directly depends on the amount of monthly income. That is, the higher the salary officially set by the employer, the more money you will receive in old age. Therefore, any gray, black or semi-legal income will deprive you of part of your retirement income.

Pension points began to be assigned in 2015. Before this, all pension rights were converted into pension coefficients. They are taken into account when calculating and assigning fixed payments.

Points are assigned depending on the amount of money entered into the OPS system. Since 2015, the minimum number of points has been gradually increased. For example, in 2015, to establish a pension, you needed to score 6.6 points, in 2021 - 9 points, and in 2021 - 11.4 points.

But in addition to the minimum limitation, there is also a maximum. No matter how high the official salary is, you will not be credited with an unlimited number of coefficients. Maximum points limit for 1 year:

It is impossible to get more points. These figures remain unchanged and those who worked during these years with a large salary can independently calculate how many coefficients will be counted.

What are pension points

PB are conditional indicators that reflect a citizen’s contribution to his or her security in old age. Pension points are awarded to a citizen during work. The more years a citizen works and the higher his salary, the more PB he will earn. The points are intended to simplify the calculation of pensions.

PB can be obtained not only for contributions made by the employer. They are also enrolled if a citizen serves in the army or is on maternity leave. In other words, PB is accrued not only for official work activity, but also for socially significant periods of life.

How to calculate the number of points earned

To calculate the coefficients use the formula:

IPC = SV : SVmax x 10

• IPC is an individual pension coefficient.
• SV - payments to the OPS at an individual rate.
• SVmax - payments at the personal rate from the maximum base.

In simple words, in order to find out how many pension points you will be awarded for a certain year, you need to divide contributions from your income into payments from the maximum base. And multiply the resulting number by 10. The maximum base is established annually by the Government of the country. For example, in 2021 this amount is 1,292,000 rubles.

An example of calculating the coefficient for an employee with the following data:

1. Salary - 15 thousand rubles per month.
2. Annual income - 180 thousand rubles.

We substitute the values ​​into the formula and get a value of 1.393 points. Thus, in 2021 the employee will be able to score this number of points.

You can carry out personal calculations with actually accrued points in your personal account on the website of the Pension Fund of the Russian Federation. Also keep in mind that if the base limit increases, you will be awarded fewer points, even if your salary has not changed compared to last year. You can calculate the number of points with the same salary data, but with a maximum base according to 2021 - 1,150,000 rubles. In this case, you will receive 1.565 points.

Based on the number of coefficients, you can also calculate the amount of the bonus that you will receive in addition to your monthly old-age payments. In 2021, the cost of a pension point is 93 rubles. If the number of points accumulated is 1,393, you will receive a bonus of 129.5 rubles monthly.

The size of your future pension can be increased

Since 2015, there has been a new pension formula in the Russian Federation, according to which pension payments are calculated for all citizens. The system is designed in such a way that receiving minimum or maximum payments depends directly on the person himself.

For the maximum payment amount, you need to:

• be officially employed;
• have an official income;
• have extensive work experience;
• constantly monitor the state of your pension account;
• participate in voluntary pension programs.

How to get the missing experience and points

If, before retiring, you find that you have not accumulated enough points and years of premiums, there are 2 ways to solve the problem:

• buy additional points;
• upgrade to minimum requirements.

Pension coefficients can be purchased in addition. The Pension Fund allows you to do this by making insurance contributions for yourself, but you must first notify the organization of your desire.

If you decide to purchase additional points, submit an application in person, by mail or on the Pension Fund website. There are special forms for filling out the application, but writing in free form is also allowed. The response from the fund will come within 3 days by mail or notification in your personal account.

You can pay your fees in full at one time or spread your payments over each month. One year of making such payments will be equivalent to one year of insurance experience. But you can only pay for half of the required experience in this way. You can also submit an application for additional payments through your employer or MFC. This is a rather expensive method, the amount of earnings you receive will be lower, but pension points will accumulate faster.

If you do not have enough experience and points at the time of retirement, you may not quit your job, but continue to work to meet the minimum requirements. Also keep in mind that the time spent studying in secondary specialized educational institutions, universities and advanced training courses before January 1, 2002 is included in the length of service. But this period cannot be included in the insurance period, since no one made contributions for the student at that time.

about the author

Klavdiya Treskova - higher education with qualification “Economist”, with specializations “Economics and Management” and “Computer Technologies” at PSU. She worked in a bank in positions from operator to acting. Head of the Department for servicing private and corporate clients. Every year she successfully passed certifications, education and training in banking services. Total work experience in the bank is more than 15 years. [email protected]

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Algorithm for calculating pensions in 2013 and 2014 (current formula).

To make the terms and definitions used in the algorithm more understandable, we recommend that you first read the article Structure and principles of pension formation

Algorithm for calculating pensions in 2013 and 2014

Men who have reached the age of 60 and women who have reached the age of 55 have the right to a labor pension . An old-age labor pension is assigned if you have at least five years of insurance experience .

Note : The insurance period is the total duration of periods of work and (or) other activities taken into account when determining the right to a labor pension, during which insurance contributions were paid to the Pension Fund of the Russian Federation (PFR), as well as other periods counted towards the insurance period.

The current formula for calculating pensions (for those who were born before 1967 and do not have a funded part of the pension) is as follows:

P = PC / T + B (1)

Where

P – monthly amount of the assigned pension (officially it is called the insurance part of the pension );

PC – pension capital “earned” by a person during the period of his working activity (formed from deductions from wages and depends on its size);

T – survival period (in 2013 and 2014 T = 228 months – 19 years) – is established and approved by Government decisions;

B – fixed basic pension amount (from 04/01/2014 B = 3910 rubles 34 kopecks) – adjusted annually, established and approved by Government decisions.

This formula is relevant today, and will remain so at least until 2015 and most likely beyond that for the calculation and conversion of acquired pension rights into a new formula.

In other words, today the monthly amount of the assigned pension is calculated by dividing the pension capital “earned” by a person during the period of his working activity by the period of payment of the pension - the age of survival, measured in months, plus a fixed addition - the so-called fixed basic pension amount.

The pension capital itself ( PC ), “earned” over the entire period of working activity, is formed from three parts:

PC = PC1 + SV + PC2,

Where:

PC1 – pension capital earned before 2002;

SV – amount of valorization (one-time increase in pension capital PK1 );

PC2 – pension capital earned after 2002.

Taking into account the structure of the pension capital, formula (1) will look like this

P = PK / T + B = (PK1 + SV + PK2) / T + B

Having now divided each of the terms - pension capitals PC1, PC2 and the amount of valorization of the pension fund by the survival period - T, we obtain an easy-to-understand formula, which we will further use for calculations

If we translate it into “Russian”, the formula means that the old-age labor pension ( P ) consists of four parts:

1. pension earned before 2002 - P before 2002 = PK1 / T ;

2. valorization (one-time increase) of pensions earned before 2002 . – VP = SV / T ;

3. pensions earned after 2002 . – P after 2002 = ( PK2 / T );

4. fixed base part - B.

Thus, the old-age labor pension:

P = P before 2002 + VP + P after 2002 + B.

Information you will need to calculate the amount of your old-age retirement pension - what you need to know:

• Stag 02 - length of work experience up to 2002 (years);
• Stag 91 - length of work experience until 1991 (years);
• ZR - your average monthly earnings either for 2000-2001, or for any 60 months of work (for 5 years) in a row in the period before 01/01/2002 - choose what is more profitable;
• ZP - the average monthly salary in the Russian Federation for the same period (for 2000-2001, ZP = 1494 rubles. 50 kopecks ); and for the period before 01/01/2002, the average salaries can be found in the table ( see reference materials );
• SWP - average monthly wage in the Russian Federation for the period from July 1 to September 30, 2001 (this is a constant value, it is fixed and taken equal to: SWP = 1671 rubles );
• index - indexation coefficient of the estimated pension capital , taking into account inflation for the period from 2002 to the present (necessary for the “transfer”, “recalculation” of money from 2002 into money of the current period). The Index is adjusted annually and approved by resolutions of the Government of the Russian Federation depending on the level of real inflation (the rate of depreciation of money). For 2014, the index value used in the calculations is 5.6148: index = 5.6148;
• PC2 - the amount of insurance contributions and other income to the Pension Fund of the Russian Federation, accumulated by you on an individual personal account with the Pension Fund of the Russian Federation, starting from January 1, 2002 until the moment of registration of the pension.

1. Calculation of the part of the pension “earned” before 2002 ( P before 2002).

Step 1. Tazhe coefficient – ​​SC.

First, the so-called experience coefficient is calculated,

— for men whose work experience before 2002 exceeds 25 years ( stag02 > 25):

SK = 0.55+0.01*( s tag02 – 25);

— for men whose work experience before 2002 was less than 25 years (stag02 < 25):

SC = 0.55*(stag02 / 25).

— for women whose work experience before 2002 exceeds 20 years ( stag02 > 20):

SC = 0.55+0.01*( Stag 02 – 20),

- for women whose work experience before 2002 was less than 20 years ( stag02 < 20):

SC = 0.55*(stag02 / 20)

For both men and women, the length of service coefficient cannot be more than 0.75. This means that if in your calculation it turns out to be more than 0.75, then it is still considered equal to 0.75 (the limit established by current legislation).

Step 2. Average monthly salary coefficient ( KSZ = ZR/ZP ).

KSZ is the ratio of your average salary ZR for the selected period (2000-2001 or any 60 consecutive months until 01/01/2002) to ZP - the average monthly wage in the Russian Federation for the same period.

For most citizens, the average salary in the period 2000-2001. recorded in the Pension Fund (PF) and does not require documentary confirmation. In cases where there is no such information or it is more profitable for you to use the coefficient for periods of work before 2000 (the larger it is, the better), then when the final calculation of the pension is made to the Pension Fund, you will have to submit supporting documents.

If the period 2000–2001 is selected, then the average monthly salary coefficient is calculated by dividing your average salary for this period by 1494.5.

KSZ = ZR/ZP = ZR / 1494.5.

If it is more profitable for you to use a different period for calculating the KSZ - any 60 consecutive months until 01/01/2002, then the calculations will have to be done yourself or using our KSZ calculator . The information necessary for such calculations is contained here .

It should be borne in mind that the law imposes a restriction on the value of the KSZ - the coefficient cannot be more than 1.2. Less - please, but more - no.

An exception to the upper limit of the KSZ coefficient of 1.2 was made only for those who worked before 01/01/2002 in the regions of the Far North - for them, depending on the regional coefficient, the limit ranges from 1.4 to 1.9 - cm . reference materials .

Example 1. Let your average salary in 2000-2001. was 2500 rubles -

ZR = 2500 and you did not work in the Far North until 2002. We calculate the coefficient:

Real KSZ = ZR/ZP = 2500 / 1494.5 = 1.67.

But since it exceeds 1.2 and you do not have “northern” benefits, then in further calculations the coefficient will be considered equal to 1.2:

KSZ = 1.2.

Example 2. Let your average salary in 2000-2001. was 1000 rubles:

ZR = 1000. Calculate the coefficient:

KSZ = ZR/ZP = 1000 / 1494.5 = 0.67.

Since it does not exceed 1.2, in further calculations the coefficient will be taken equal to 0.67:

KSZ = 0.67.

Step 3. Estimated pension “earned” for the period before 01/01/2002 (RP).

Let's calculate the size of the so-called estimated pension - RP .

It is called calculated because its calculation for the majority of those retiring is based not on real information, but on the basis of averaged, “indirect” data - coefficients. The estimated pension is the pension that would be due to a citizen as of January 1, 2002, based on the length of his total work experience acquired as of December 31, 2001 and average monthly earnings for 2000-2001. (or for any 60 consecutive months prior to January 1, 2002). The reason for this approach is that during the Soviet period and the years of perestroika (90s), accounting (in the modern sense) of the contribution of workers to the pension system was simply not carried out or was carried out on different principles. The system for assigning pensions and recording length of service and earnings was different. In addition, many documents from that period have not survived, and a large number of enterprises and organizations simply ceased to exist or remained in the newly formed states.

The amount of the estimated pension is determined by the formulas:

• For those who have a length of service coefficient SC > 0.55 ( men whose work experience before 2002 was 25 years or more and women whose work experience before 2002 was 20 years or more), the monthly amount of the estimated pension in rubles is calculated using the formula :

RP = SK * KSZ * 1671 – 450,

• For those with experience coefficient SK <0.55

RP = SK * KSZ * 1671 – 450 * (SK/0.55)

• If the estimated pension turns out to be less than 210 rubles , then it is accepted (considered) equal to 210 rubles:

If RP < 210, then RP = 210.

What do the numbers 1671 and 450 in formulas?

The first - 1671 (rubles) - is the average monthly wage ( AMS) in the Russian Federation for the period from July 1 to September 30, 2001 (a constant value recorded in the calculations).

The second figure - 450 (rubles) - is the size of the fixed base part of the pension during that period.

Note. In our algorithm, the meaning is slightly different from the same term used in the law. This was done intentionally to better understand the meaning of the calculations. The difference is this.

In the law and instructions, the calculated pension is the amount

RP = SK * KSZ * 1671.

In our algorithm, we called the calculated pension the value

RP = SK * KSZ * 1671 – 450,

since it is on its basis that the part of the old-age labor pension earned before 2002 is then calculated.

Step 4. Calculation of the amount of pension earned before 2002 . – P until 2002

To determine the first part of the assigned pension - the pension “earned” before 2002 - Before 2002 , it is necessary to transfer (convert) the estimated RP pension, calculated on the basis of amounts and salaries of that period, into modern money, taking into account inflation (depreciation of money) for the past period . Indeed, a thousand rubles in 2002 and today are completely different money in terms of their purchasing power. This “translation” is made by multiplying the RP by the indexation coefficient of the estimated pension capital ( index ), which takes into account inflation for the period from 2002 to the present:

P before 2002 = RP * index.

Since today (in 2014) the indexation coefficient is 5.6148, the formula can be used in 2014

P before 2002 = RP * 5.6148.

This is the first part of the assigned pension - “earned” by you for the period before 2002.

2 . Calculation of the amount of valorization of pensions earned before 2002 (VP).

Valorization is a monetary revaluation of the pension rights of all citizens with work experience before 2002. From January 1, 2010, the estimated pension capital formed by employees before 2002 was increased by 10% and an additional 1% for each year of their work experience before 1991. Valorization was carried out for everyone on the basis of documents available to the Pension Fund of the Russian Federation. To determine the percentage increase in pension capital for periods before January 1, 1991, the length of service that the citizen had on that date was taken into account.

The amount of valorization (one-time increase in the calculated pension) is 10% of the value of the RP and, in addition, 1% of the value of the calculated pension RP , for each full year of total work experience acquired before January 1, 1991. The formula for calculating this “addition” is as follows.

SVRP = RP * (0.1 + 0.01 * stag 91)

It is also indexed, so the second part of the assigned pension, which we called the valorization of the pension earned before 2002 ( VP ):

VP = SVRP * index

VP can be calculated immediately using the formula

VP = RP * (0.1 + 0.01 * stag 91) * index .

In 2014 , index = 5.6148 , so those who will go to apply for a pension in 2014 can use the formula:

VP = RP * (0.1 + 0.01* stag 91) * 5.6148 .

If the calculation will be carried out in subsequent years, then you should first clarify the value of the indexation coefficient of the estimated pension capital for the current year ( see reference materials ).

3. Calculation of the part of the pension earned after 2002 (P after 2002).

To determine the amount of the part of the pension “earned” during the period of working activity after 2002, you need to know the amount of insurance contributions and other revenues to the Pension Fund starting from January 1, 2002 - or, in other words, your pension capital PK2 . The size of PC2 can be calculated using our special calculator, having previously found out (requested) on the State website.

The calculation of this part of the pension is the simplest - the amount of savings PK2 recorded in an individual personal account in the Pension Fund must be divided by the age of survival - T, measured in months:

P after 2002 = PC2 / T.

In 2013 and 2014, the survival age is: T = 19 * 12 = 228 months.

4. Fixed basic part of the pension (B).

The full name of this part of the pension is “the fixed basic amount of the insurance part of the old-age labor pension.”

The fixed basic size of the old-age labor pension is a fixed value. It is adjusted annually and approved by government regulations.

For the bulk of citizens retiring in 2014, after indexation on April 1, its value

B = 3910 rubles 34 kopecks.

For some categories, the fixed basic amount can be increased depending on the type of pension, disability group, age of the pensioner and the number of disabled family members dependent on him ( see reference materials ).

5. Old-age labor pension (P).

After all four components have been found, all that remains is to add them up and determine the size of your old-age pension :

P = P before 2002 + VP + P after 2002 + B.

If P’s turns out to be less than the so-called. “ the living wage for a pensioner ” established in the region, then it will be increased to this level.

Online pension calculator (calculate your pension yourself)

Useful articles:

• Structure and principles of pension formation
• What will the pension be in 2013, 2014 and 2015?
• Pension amounts, life expectancy, retirement age. How are they connected and why?
• How long do pensioners live?
• A new formula for calculating pensions has been published

Comments: 5

Your comment (question) If you have questions about this article, you can tell us. Our team consists of only experienced experts and specialists with specialized education. We will try to help you in this topic:

Author of the article: Klavdiya Treskova

Consultant, author Popovich Anna

Financial author Olga Pikhotskaya

1. Viktor Nikolaevich
   08/17/2021 at 20:18 In the formula for calculating the IPC in the numerator and denominator, you indicate the concept of SV -insurance payments to the Pension Fund, as I understand, actual (numerator) and maximum according to the Decree of the Government of the Russian Federation (denominator).
   And in the example of calculating the IPC, put the employee’s annual income in the numerator. Please explain your mathematics. Reply ↓
2. Natalia Vasilievna
   07/06/2021 at 18:53

   Hello. My husband was born in 1960 on January 26, and is due to retire in August of this year. , taken into account 18 years of experience points - 16.160. Since 1977, he worked on a state farm, then 2 years in the army, 5 years of studying at a university, 7 years of work on a state farm, from 1993 to 2008, work in a peasant farm and of these only 5 years are counted when insurance payments were paid , then work as a security guard for 5 years. As a result, there is enough experience for a pension, but no points, about 3 years, is it possible to buy them and how much will it cost? Thank you.

   Reply ↓
   Anna Popovich
   07/06/2021 at 19:59

   Dear Natalya Vasilyevna, to pay additional contributions you need to submit an application to the Pension Fund of Russia directly, by registered mail or through the personal account of the insured person on the Pension Fund of Russia website. Contributions can be paid in a one-time payment or by making monthly contributions. Payment of the annual minimum insurance pension contributions adds a year to the insurance period. You can also submit an application through your employer or MFC.

   Reply ↓

Additional insurance premiums (ADI)

DSV are funds credited to the fund of the accumulative part of the pension. Paid as follows:

• by the insured person from his own funds or by his employer;
• by the employer in favor of the employee (at the request of the employee from the salary).

An employee, paying additional contributions on his own, must submit an application to the Pension Fund division for the voluntary payment of DSA to the funded part of the pension fund. Submitting an application in form DBS-1 is possible through the official resource of the Russian Pension Fund, through the multifunctional center (MFC), as well as through your employer. It is important to indicate the amount transferred to the Pension Fund on a monthly basis. If the employer has received the necessary application from the employee, then he must send it to the Pension Fund no later than 3 days later without fail.

What else is the IPC charged for: individual cases

IPC can be accrued not only based on length of service, but also in some situations described in the law.

1.8 points are awarded for one year of care for the following category of citizens:

• disabled person of group I;
• disabled child;
• old people over 80 years old;
• child under 1.5 years old (both parents).

1.8 is also accrued for one year of conscription service in the army. If a parent takes a year off to care for a second child, he will be awarded 3.6 points, and for the third and fourth - already 5.4.

The Pension Fund encourages people to retire as late as possible by offering an increase in fixed payments and insurance cash benefits by 36% and 45% points, respectively, if a citizen applies 5 years after receiving the right to security in old age. After 10 years, the fixed payment will increase by 2.11, and the insurance payment will increase by 2.32.

Military pension

Military pension also has its own calculation formula:

• 50%. .

There are three types of military pension:

• by length of service;
• on disability;
• for the loss of a breadwinner - relatives receive if he goes missing or dies.

Important : if 20 years of service are not reached, the pension is calculated based on mixed length of service.

Social pensions

If a citizen does not have time to accumulate the required length of work experience in order to receive an insurance pension, he is assigned a social pension. Social pensions begin to accrue to Russians 5 years later than insurance ones. Therefore, a working and non-working citizen of the same year of birth will receive government payments at different ages.

Indexation also occurs annually, but from April 1, and not in January. In 2021, the average amount of social payments is 9 thousand rubles. In each region, the figure may vary due to different premiums and increasing factors. Social additional payments are made if the amount of material support does not reach the subsistence level established in a given federal district.

Where to apply for a pension?

Pension Fund divisions are responsible for processing pension payments. According to paragraph 2 of Art. 21 Federal Law No. 400, the applicant for payment has the right to send the necessary package of documents to the fund department at the place of permanent or temporary registration.

You can apply for payment:

• at the place of work, having given the employer prior consent to transfer documents;
• at the MFC branch, if it has established electronic interaction with the Pension Fund;
• by sending documents by mail with acknowledgment of delivery and a list of attachments;
• remotely on the websites www.pfrf.ru and www.gosuslugi.ru.

ATTENTION!

A citizen begins to receive pension payments from the moment he submits his application. It is important to write your application before retirement age.

In order to retire calmly and receive decent payments, citizens need to take care of this in advance. It must be remembered that the size of pension payments is influenced by many factors that must be adhered to and constantly monitor your pension account.

How to check the amount of pension savings?

Previously, information about pension savings was reported by the Pension Fund, but now a citizen himself can familiarize himself with them at any time:

• online on the websites gosuslugi.ru and pfrf.ru, you only need your SNILS number;
• in the branches of the Fund;
• from employees in bank branches or ATMs: VTB, Sberbank, etc.

Important: to create an account on the State Services portal, you will need your passport number and series, as well as SNILS. After gaining access to sections of the site, open the “Russian Pension Fund” tab for further information. If difficulties arise, the Hotline will provide options for solving the problem. Number: 8 800 100-70-10.