The Pension Fund has published a retirement schedule by year of birth: tables

Scope of application

Using the calculator, you can easily calculate the retirement date of any citizen. The calculator is especially important for people of pre-retirement age, since it is their retirement that will be regulated according to a special grid, based on the gradual implementation of the provisions of the pension reform.

Various types of pension calculators are very common on the Internet, which is explained by the increased interest of citizens in the issues of calculating pensions. However, it should be remembered that there is no calculator that could even approximately reliably calculate the size of your future pension payments. This is due to many reasons, the main one of which is the extreme opacity of the system for calculating pension savings practiced by the Pension Fund.

Legislatively, factors that directly affect the amount of accrual of an insurance pension include:

1. The salary of a future pensioner or declared income for self-employment.
2. Duration of experience.
3. Socially significant periods of life, which include service in the Armed Forces, maternity leave, and parental leave.
4. The method of pension provision chosen by the future pensioner in the compulsory pension insurance system.
5. Continuation of work after retirement age.

All these factors are constantly undergoing changes, and a radical change in the pension system of the Russian Federation brings changes almost daily.

Therefore, the only reliable calculations of the calculator can be provided only in part:

1. projected year for retirement;
2. retirement age;
3. the minimum length of service required for retirement.

How to calculate your pension using the new pension calculator?

The PFR pension calculator allows you to calculate your future pension online and form your opinion on how to ensure your old age with dignity. It is not suitable for military personnel and law enforcement officers who do not have employment experience in civilian areas.

All calculations are approximate, the exact figure will be obtained after applying for cash benefits, when all pension rights and benefits will be calculated in each case. To simplify the calculations, some factors are assumed to be constant, taking into account that the person retiring will receive it in the current year.

Persons who worked in the Far North, caring for certain categories of citizens, have the right to increased coefficients for calculating benefits.

Self-employed citizens must annually transfer 1% of the amount of at least 300,000 rubles to compulsory pension insurance.

A small questionnaire is presented on the official website of the Pension Fund. You must specify:

• floor;
• year of birth;
• number of years of conscription service;
• number of planned children;
• duration of care for certain categories of citizens;
• the period after reaching retirement age during which a person refuses to pay cash benefits;
• official salary;
• type of work: self-employed or hired worker;
• seniority.

After entering all the data, you need to click the “Calculate” button.

On the page with the calculator there is also a column where you can calculate the number of pension points that can be received in 2021, taking into account wages before deduction of personal income tax (NDFL).

Retirement age

The pension reform, along with raising the age limit, also provided for the gradual pensioning of those who, at the time of the introduction of the reform, had either already reached the required age or were approaching it. In accordance with the stages of the reform, the age increase provided for by the reform will occur according to the formula 1/1, that is, once a year for a year. The total period for introducing reform conditions will take 9 years.

Men born in 1959 and women born in 1963 are eligible for pension innovations. Those born before these years are not threatened by the reform, even if they continue to work. This is due to the fact that the reform does not provide for retrospectiveness, that is, retroactive effect.

The phasing is reflected in an extremely simplified manner in the following diagrams for men and women.

Men:

Women:

That is, starting from 2028 (of course, if everything goes as the Government and the State Duma assume), the introductory period will end and Russians will begin to retire immediately upon reaching the appropriate age.

Forecasts for calculating pensions from 2025 - will the formula change and pension points will be abolished?

The basic principles for calculating pension benefits will be revised by the Government in 2019-2025. First of all, the point system for calculating odds will change.

In 2021, points were recorded that citizens exchanged into rubles to calculate pensions.

From 2025, the system will be modernized and points may be cancelled. If the point calculation changes, the formula for calculating pensions will change.

There is no clear understanding yet of how the calculation system will change. Follow the Pravo.812.ru portal for changes in pension legislation.

Experience for retirement

Pension legislation provides for the inclusion in the pension period of not only time directly occupied by work, but also periods classified as so-called “socially significant”. The latter include the years of a citizen’s life occupied with matters important to society and the state as a whole - service in the Armed Forces, giving birth and raising children, caring for a sick or elderly relative, etc.

The pension reform provides for an increase in the required minimum length of service as stages of raising the retirement age are introduced. In accordance with the stages given in the tables above, the stages of increasing the minimum length of service required for retirement are also distributed. The decision of Russian legislators to establish equal requirements for women's and men's length of service seems somewhat incorrect, and, perhaps, over time some modifications will be introduced in this part, but at the moment the stages of increasing the length of experience are as follows:

Social pension - even later

The deadlines for assigning social benefits in old age (they are received by citizens who, for some reason, have not earned insurance coverage and points even in the minimum amount) have shifted. For those who have not earned sufficient experience and points for insurance, social benefits will be assigned:

• for women - at 65 (instead of 60);
• for men - at 70 (instead of 65).

For information: according to Rosstat statistics, the average life expectancy for women in 2020 was 77.4, and for men - 67.5, so not every man will live to receive social benefits in old age.

ConsultantPlus experts discussed how to apply for a social pension. Use these instructions for free.

Point system

Calculating pension points is a very labor-intensive process, the algorithms of which, although given in pension legislation, are actually known only to employees of pension funds.

It is also difficult to calculate the number of points because each year the required minimum points increase by 2.4 points. If in 2015 about 7 points were enough to retire, then by 2025 potential retirees will have to have at least 30 points.

Moreover, different types of work activity and significant periods in life give different amounts of points, regulated by different legislative acts. Whether this was done intentionally or accidentally, the fact remains that an accurate independent calculation is impossible.

Currently, at the level of the State Duma and the Government of the Russian Federation, there is intense discussion of the abandonment of the point system, and one should think that after raising the retirement age, a waiver of the procedure for accumulating points will be introduced. Therefore, no matter how many forecasts the calculators give, no matter how many calculation tables are given, most likely they will turn out to be unnecessary.

Registration of a pension in 2021 - where to apply and what documents should a pensioner submit?

The procedure for applying for a pension in 2021 is divided into several stages:

Stage 1: The future pensioner collects a documentation package

If other documents are required, the Pension Fund employee will inform the applicant about this.

Stage 2: The citizen is sent to the Pension Fund office

There he submits a package of documents and a personal statement with a request to assign him a pension benefit

A completed pension application form is available for free.

A sample, an example of an already completed application for a pension is available for free

Stage 3: The Pension Fund representative checks the submitted documents

Analyzes the validity of assigning a pension benefit to a citizen, makes a decision on refusal or establishment of payments.

Next, according to the decision of the Pension Fund, it will be known whether or not a pension benefit will be assigned to the citizen.

The applicant will be informed of any decision.

Exceptions

Like any rule, pension changes have exceptions, that is, those cases in which the innovations will not be applied, although some of them look completely illogical. Exceptions include:

1. Savings pensions. Pre-retirees will have the right to use accumulated funds from the moment they reach retirement age under the old legislation, that is, from 55 and 60 years, depending on gender. In this case there is a slight limitation. The right to use savings can arise only if you have a minimum experience of 15 years and a number of points of at least 30.
2. Insurance pensions for beneficiaries who retain the right to early retirement. In addition to those employed in hazardous industries (lists 1, 2), they will also include drivers of heavy trucks at mines and mines, field geologists, logging workers, female asphalt layers and crane operators, railway drivers (including metro) who directly transported passengers , port dockers, public transport drivers, fishermen, miners, civil aviation workers directly involved in providing flights, operational employees of the Ministry of Emergency Situations, workers of correctional labor colonies.
3. State pensions. The changes will not affect persons who liquidated the Chernobyl accident, persons injured as a result of the Chernobyl accident, as well as their close relatives - family members.
4. Pensions of civil servants. For this category of future pensioners, starting from 2018, their own step-by-step schedule will be introduced, which involves increasing the retirement age by six months each year until the maximum values ​​are reached.

Medical and pedagogical workers

Significant changes await workers in the medical and teaching fields. If, before the changes introduced to the legislation, these categories of workers could retire upon reaching special teaching or medical experience, then, starting in 2021, they will be able to exercise their right to early retirement only 5 years after they have accumulated the same 25-30 years of experience in the specialty.

A phased regime for raising the retirement age has also been introduced for doctors and teachers in accordance with the table below:

Thus, starting from 2023, all doctors and teachers will be able to declare their desire to go on vacation only 5 years after completing this experience.

Northerners

Citizens who worked in the conditions of the Far North or equivalent to them also received their “five-year plan”. Now their retirement age will increase by exactly this figure and will be 55 and 60 years (depending on gender).

“Staging” of the retirement age, in order to avoid shock, is also provided for northerners. It generally corresponds to the stages for all other citizens, with the exception that northerners will still retire on preferential terms.

Northern men:

Northern women:

Mothers of many children

Pension benefits under the new legislation will be provided to women classified as having many children, regardless of the status of the children - natural or adopted. Each child, starting from the third, will give his mother 1 grace year.

Three children will give the mother 3 grace years, that is, the opportunity to retire at 57 years old, if there are no other benefits.

Four children will give the mother 4 years of benefits, which will allow her to retire four years earlier than citizens who do not have benefits.

Pensioning for women who have given birth or adopted five or more children will not undergo any changes and will take place at the age of 50.

Features of retirement in 2021

The unified pension system in Russia was created in the 1960s, when rural workers - collective farmers and state farm workers - began to receive state pensions, along with city residents. In those years, the retirement age for male workers was set at 60 years, and for female workers at 55 years.

This age limit lasted until 2021, when the State Duma adopted a law on the next pension reform. The main provision of the new legislative act was to increase the retirement age for all categories of workers.

The original bill, adopted by deputies in July 2021, provided for a disproportionate increase in the retirement age. The male age increased by five years, to 65, and the female age by 7 years, to 63. Such a disproportion caused protest not only among the female part of the population, but also among labor ombudsmen.

As a result, the president had to intervene in the situation. In his televised address, he called on deputies to reconsider the bill they had adopted. As a result, Federal Law No. 350 was born, which established the final age required for accruing an old-age pension to a citizen of the Russian Federation.

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Federal Law No. 350 came into force at the beginning of the new year, 2021. A feature of this legal act was the gradual increase in the retirement age. The 5-year increase, from 55/60 to 60/65, will occur gradually over five years, ending in 2024.

In total, the changes prescribed in the Federal Law on pension reform will affect recipients of the following types of pensions:

1. Insurance accrued in accordance with Federal Law No. 400 of 2013.
2. Social benefits received by citizens who have reached the age of incapacity but have not completed the required length of service.
3. “Northern” pensions received by persons who have worked for the required period in the Far North or in areas equivalent to it.
4. Preferential benefits - paid to certain groups of teachers and doctors.
5. Pensions for civil servants.

Attention! The new legislation will affect only those able-bodied citizens who have not yet retired by 2021. The same persons who managed to retire before Law No. 350 came into force.

For citizens who were supposed to register as pensioners in 2021, the deferment is set at six months. In the coming years, the retirement age will increase more significantly – by 1-1.5 years annually.

Experience under List 1 for men and women

If you have such length of service, you can retire early, according to the table below.

Funded pension, size, sources and conditions of receipt

The formula for calculating a funded pension ( NP ) is extremely simple:

NP = PN / T

T – number of months until payment.

PN – the amount of funds accumulated in a special personal account.

The MT amount can be generated from the following sources:

• from pension insurance contributions;
• from additional contributions made by the employer in favor of the citizen accumulating a pension;
• from contributions for co-financing of PN ;
• from part of the family or maternal capital;
• from investment results from any of the sources.

NP funds can be received all at once, as a lump sum payment, or received gradually, in the form of an urgent pension payment, after reaching the required age.

Experience according to List 2 for men and women

If you have such length of service, you can also retire early, according to the table below.

Benefits during accrual

For a certain category of the population, the Pension Fund of the Russian Federation established social supplements to basic payments. Social pensions until old age are received by:

• pensioners who are 80 years old;
• disabled people of the first group;
• citizens working in difficult conditions (northern regions of the country);
• people who have been involved in the agricultural sector for 30 years.

Pensioners falling under one of these categories may qualify for increased pensions to the minimum subsistence level - this is due to an increase in the size of fixed payments.

For individual entrepreneurs and self-employed citizens, future pension rights are calculated without taking into account wages. The amount of funded pensions in this case comes from precisely established payments and 1.5% of pension insurance, which individual entrepreneurs pay to the state treasury every year. These include lawyers, notaries, and other individuals engaged in individual practice.

Experience in the Far North for men and women

If you have “northern” experience, you can retire early, according to the table below.

How to check the amount of pension savings?

This is easy to do for an insurance pension.

Each pensioner has a personal SNILS - Insurance Number of an Individual Personal Account in the Pension Fund of the Russian Federation. With its help, you can find out the contents of your personal pension account, not only by visiting a Pension Fund branch, but also online via the Internet.

Moreover, you need to come to the department with a passport, and on the EPGU (unified portal of public services) you only need to enter your SNILS number.

So:

1. We go to the website gosuslugi.ru.
2. We select the necessary one from the catalogue.
3. We request an extended account statement, to do this we enter its number.

After waiting a few minutes at the screen, we receive a letter with the amount of interest. If a user’s personal account has been created, then you can print out the information received.

If you want to get acquainted with the state of your funded pension, being a client of a non-state pension fund, then the Pension Fund is not your assistant; it does not have the necessary information.

The NPF has it, and to obtain it you will have to go to its website.

For teachers, doctors, artists and residents of the Far North

The retirement age is gradually increased according to the table below.

When does accrual begin?

They begin to pay the pension after its assignment, which is carried out from the date of application to the Pension Fund. The money is issued at the pensioner’s place of residence after submitting an application. It is sent by mail, in the form of an electronic document or using a multifunctional center.

The day of circulation is considered the date indicated on the postmark if sent by mail.

Retired military personnel are paid not by the pension fund, but by the department in which they served.

In some cases, pensions are granted ahead of schedule. This applies to categories of citizens who have the necessary experience in performing certain jobs. To receive money in this case you need:

1. Reach the designated age.
2. Have experience or social background. This could be disability after a war injury, the birth of children, etc.
3. Have insurance experience.

To process payments, you need to visit the Pension Fund with all the necessary documents.

How to find out your period using SNILS and the Pension Fund

For people who want to check their insurance record, visiting the Pension Fund office in person seems to be the most difficult method. However, if online services are for some reason unavailable, you will have to go to the Pension Fund. You must take your passport and SNILS with you. Once your identity has been confirmed, a Pension Fund employee will help you draw up a request for information. You will have to wait approximately 10 days for a response.

People who prefer to use the Internet rather than visit government agencies can check their output through the government services website or the website of the Pension Fund of the Russian Federation.

In order to obtain information, you need to register on the government services portal and fill out a form. You will need to write:

• passport data;
• date of birth;
• phone number;
• SNILS.

In addition to filling out the form, you need to complete verification. This can be done at the Pension Fund branch, through the post office, using a universal electronic card. You need to do this once in order to have unhindered access to all government services in the future.

Select the appropriate service and fill out a special form. The information you request is located on the server equipment of the Pension Fund and will be sent to you after verification.

The insurance period according to SNILS can also be checked through the Pension Fund website:

1. Log in to your profile using data from the government services website.
2. Select a service, after which you will be shown information about the accumulated experience.

In addition, you will see the number of IPCs.

Also, each citizen can obtain information on personal insurance history at their place of work. The HR department or other department issues a document based on data from the work book.

Sample certificate of work experience:

What periods are included?

So, it was established that the insurance period necessarily includes periods of official employment of a citizen. It also includes periods when a Russian:

• served in the army;
• received benefits because he was temporarily disabled;
• looked after a son/daughter, and the child was under one and a half years old;
• received unemployment benefits, performed paid public works, moved to another locality to find a job in the direction of the employment center;
• was in prison, but at the same time managed to prove his own innocence and the fact that he was unjustifiably detained;
• cared for a person with a category 1 disability, a minor with a disability, an elderly person (over 80 years old);
• lived in a locality where he could not find employment for a maximum of 5 years (for military spouses);
• lived in a foreign country for a maximum of 5 years (for husbands/wives of Russians who work in diplomatic missions and embassies of Russia).
• study in higher educational institutions, but there are restrictions.

The listed periods are counted as output if before and after them the citizen was officially employed for at least 1 day.