Pension Fund: rules for recording work experience for retirement with new changes in 2021. All types of experience

New rules for recording pension experience from 2021

As the department clarified, now the total length of service will include periods of vocational training and additional vocational education of workers if they decide to retire early.

Previously, such periods for pensions were not taken into account, which violated the pension rights of Russians.

According to experts, study will be included in the length of service only in certain conditions. It is important that the employer sends the employee to this training. It is also necessary that during the period of training the employee’s salary is maintained, and insurance contributions are deducted to the Pension Fund.

In the near future, the Pension Fund will begin checking the length of service of Russians in order to include such periods in the pensions of those who were previously denied.

“Currently, the territorial bodies of the Pension Fund of the Russian Federation are beginning work to assess the pension rights of those citizens who were denied an early pension due to the failure to include periods of vocational training and additional vocational education in their length of service in the relevant types of work,” the fund clarified.

Types of experience

The current legislation of the Russian Federation provides for the following types of seniority, which have their own accrual rules and meaning:

1. Total length of service, which represents the entire period of activity from the first place of work to the last.
2. Special length of service, consisting of those periods when a citizen worked in certain economic sectors or professions.

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3. Continuous service is the activity of an employee without interruption of work at any enterprise or industry.
4. Insurance experience, consisting of time periods during which pension contributions were made for a citizen.

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5. Preferential service is a period during which an employee worked full time in harmful, dangerous or special conditions specified in special resolutions of the Cabinet of Ministers of the Russian Federation.

NOTE! Since the appearance of a separate concept of insurance length of service, the actual time that a citizen was employed at work has lost its meaning. Much more important were the periods during which the employer made contributions for the employee to the Pension Fund, and the amount of these contributions.

What will now not be included in the length of service under the new law

In 2021, the periods indicated in Part 1, Art. 12 Federal Law No. 400, if before or after them there was no labor activity that was the reason for contributions to the Pension Fund. In this case, the period of working activity is not important, the main thing is its presence.

These periods are related to:

• service in the army or non-departmental structures;
• caring for a child up to 1.5 years old, but in total no more than 6 years;
• temporary disability;
• caring for a disabled person of group 1 or a disabled child, a senior citizen over 80 years of age;
• receiving unemployment benefits;
• the period of settling in the process of moving to another region for the purpose of working.

Important: the period of full-time study is excluded due to the lack of contributions for the citizen to the Pension Fund.

Until 2025, the minimum level of work experience will increase by 1 year until it reaches 15 years, and pension points will increase by 2.4 until it reaches 30.

What length of service must men and women have to retire under the new law in 2021?

Those who are due to retire in 2021, and these are women who have reached the age of 56.5 years and men who have reached 61.5 years, must have at least 12 years of work experience and must score 21 pension points in order to receive a pension.

If there are no circumstances requiring retirement to occur earlier, for example, seniority in the north or having many children.

What is it about

When determining the amount of old-age benefits, the length of service for calculating the pension (PV) is the most important criterion, since the greater it is, the higher the amount of this payment. The main document on the duration of professional activity is the work book, the form of which is determined in Decree of the Government of the Russian Federation of April 16, 2003 No. 225.

Pension experience can be general (now called insurance) and special. The insurance period (SS) is the total time of work taken into account when assigning a labor pension, without taking into account breaks in it, when insurance contributions were received by the Pension Fund of the Russian Federation, plus other periods that are listed in Art. 11 Federal Law dated December 17, 2001 No. 173.

Special length of service is the total time of labor practice (excluding breaks in it):

• in certain positions (for example, teachers in children's institutions need a minimum of 25 years of service to receive payments from the state; doctors working in rural areas - 25, and 30 - for those who work in the city);
• in specific industries (for military personnel - 25 years, sometimes they use mixed experience for a pension in the Ministry of Internal Affairs);
• in specific conditions - dangerous or harmful (for example, on ships of the Marine Fleet of the fishing industry for men - 25, women - 20);
• in established areas (in the Far North - 15 years).

A separate type of special vehicle is length of service - a set duration of work, the achievement of which allows you to receive pension payments upon dismissal from work, regardless of age. Length of service is used, for example, by men and women working in civil aviation flight crews, for whom it is equal to 25 and 20 years, respectively.

Length of service for pension

When counting this type, the following may be excluded:

• serving in the army if there was no work before or after it;
• a period of temporary disability can only be counted if there were payments from the social fund at that time;
• if the mother was not fired during the periods of child care, that is, she had a job, this time will not be taken into account, and the period of care will be more beneficial for the amount of the pension;
• periods of unemployment, public work and relocation must be confirmed by a certificate from the State Social Protection Service;
• periods of detention or care for disabled and elderly citizens must be confirmed by certificates from relevant institutions or guardians of the disabled person;
• For military wives serving on the territory of the country, certificates are needed not only from military units, but also from employment centers; stay abroad, both with a military husband and a diplomat, is confirmed by a certificate from the organization of his work.

Important: if there are no conditions specified by the standards, the periods will not be taken into account.

Main types of experience:

Is it possible to find out information about work experience using SNILS?

SNILS is the pension account number of a person who is insured in the compulsory pension insurance system. Such an account contains all the information about the accumulated work experience, as well as important information about transfers made by the direct employer.

Today you can find out your own length of service using SNILS in different ways. For example, it is impossible to find such data in the public domain online due to the fact that such information is confidential and accessible only to Pension Fund employees. A citizen can obtain information after ordering a special detailed extract.

Third parties do not have access to such important information, because the Pension Fund of the Russian Federation can issue certificates only upon presentation of a document with the help of which the identity of the owner of the presented pension certificate is determined

Ways to find out the insurance period in SNILS

1. According to your passport at the Pension Fund office.
2. By last name through the public services portal and a special section of pension savings.
3. Upon special request submitted.
4. According to TIN and application.

The simplest method of checking SNILS is to register an individual on the government services portal. First, an individual is registered by entering his passport data, email, and mobile phone number.

After completing the registration process, you go to your personal account, where you enter your SNILS number. If the information is invalid, the number provided will also be invalid.

Experience for early retirement

Such length of service occurs when a citizen works in harmful and dangerous conditions.

For them to be recorded there must be:

• entries in the work book about appointment to a position that falls under a similar category;
• the enterprise must have permits to conduct such activities;
• the employer must also make additional insurance contributions.

Important: if all the conditions for confirming special length of service are missing, the pensioner is included in the category of ordinary pensioners, and the preferential length of service expires.

Who can apply for an early retirement pension?

Although the state is raising the retirement age, benefits have been maintained for many categories of the population. They allow you to count on the assignment of collateral from the Pension Fund much earlier.

The main types of benefits for early registration of a labor pension:

1. Professional. If a person works in difficult and/or dangerous conditions, then he may be granted the right to receive security from the Pension Fund of the Russian Federation earlier than generally established norms. For example, miners or workers in hot shops can take advantage of this benefit.
2. Territorial. If a citizen works in the Far North, then he can count on the opportunity to finish his working career and retire before reaching the generally established age. These benefits are also available to certain other individuals.
3. Social. Having a certain social status allows you to retire earlier than is established for citizens without such status. For example, mothers with many children, representatives of indigenous peoples, if they lead a traditional lifestyle, etc. have the right to take advantage of such a benefit.

Important! Having the right to benefits does not lead to exemption from the need to fulfill requirements for individual coefficients, deadlines for paying insurance premiums, etc.

To receive a rural allowance

From 2021, village residents have the right to an increased fixed payment to the old-age or disability insurance pension:

• with at least 30 years of experience in agriculture,
• living in a village
• and lack of paid work.

Not everyone has enough of the required years, so they began to contact the Pension Fund with a request to add the missing years as non-insurance periods.

In some cases, military service and child care have ceased to be included in the length of service since the beginning of 2021:

• However, the condition for indexation is work in rural areas for 30 years. Therefore, such a period as military service is not taken into account.

What conditions must be met for retirement?

In Art. 8 of the Federal Law “On Insurance Pensions” in force since 2015, dated December 28, 2013 No. 400-FZ, as amended on April 30, 2021, establishes the following conditions, the fulfillment of which is mandatory for the right to an old-age pension to arise in the generally accepted case (without taking into account the right to her early appointment):

• A person has reached a certain age: a man is 65 years old, a woman is 60 years old, taking into account the increase in the retirement age during the transition period (in relation to the norms of Appendix 6 to Federal Law of the Russian Federation No. 400). Previously, before the application of Federal Law of the Russian Federation No. 400: 60 years for men and 55 for women.
• The length of the existing insurance period exceeds the minimum required amount established for the year the pension was assigned (not less than 15 years for 2024).
• It has an individual pension coefficient in the required amount (at least 30 points).

Basic terms

Total length of service is the number of years worked by a person throughout his life, excluding payments made to the Pension Fund.

It is known that years of labor activity, during which no transfers were made from a citizen or his employer to his PF account, are not taken into account when determining the size of the pension. In this regard, not all entries in the work book are accepted when calculating pension benefits.

After the implementation of the pension reform in 2002, a new formulation “total insurance experience” was officially recognized, which takes into account only those years when the citizen or his employer transferred insurance payments to the Pension Fund.

It is on the basis of the total insurance period that the amount of pension payments and sick leave payments are calculated, and benefits are accrued.

Work experience is an integral part of the insurance period. The term “total length of service” officially remains in force, but, out of habit, the total length of service is often referred to as “total length of service”.

According to Art. 12 No. 400-FZ, service in the ranks of the armed forces of the Russian Federation is included in the total length of service and is important in determining its types, which, starting from 2002, are used in calculations related to pensions:

• Labor. Since 2002, this type of length of service is not directly related to the pension.
• Insurance. It is directly taken into account when determining a pension.
• Preferential. Ensures early retirement.

The basis for accruing special (preferential) length of service is service in the army under particularly difficult conditions, for example:

• service in “hot spots”, the number of days increases by 3 times;
• submarine soldiers, paratroopers;
• harsh climatic conditions, dangerous, accompanied by a risk to life, search and rescue, fire fighting operations.

The above rules apply to military service performed at any time, including before 2002.

If there is not enough experience before the insurance pension

A citizen is entitled to a social pension if the established number of years of insurance coverage is missing or the person has not been officially employed during his life. The only basis for calculating social pension is the achievement of the established age limit - 65 and 70 years. The length of service for a social pension in 2021 does not matter.

The Government of the Russian Federation also provides for a gradual transition to the payment of social pensions to this category of the population. In 2021, pensioners who have reached 60.5 and 65.5 years will receive social pensions. The age transition to old-age social benefits at 65 and 70 years old will be completed in 2024.

Accounting for military service in the total length of service

The total insurance period consists of two different periods, which differ from each other in the size and procedure of contributions to the Pension Fund.

These are the periods:

• insurance;
• not insurance.

Service in the armed forces of the Russian Federation, the Federal Security Service, the Ministry of Internal Affairs, and the customs police are considered non-insurable events.

Years of service are included in the total length of service under one condition: contributions to the Pension Fund were made before and after service. If a conscript did not have a work book entry before the army and after completing service did not get a job within several months, then the service in the length of service is not taken into account.

The exception applies only to military personnel who are entitled to preferential length of service for military service. Their service in the armed forces is taken into account regardless of official employment after transfer to the reserve.

The procedure for calculating length of service

Labor and insurance experience are similar but different concepts. The length of service takes into account the periods of work of a person at enterprises, institutions and organizations, as well as the implementation of other activities (study, child care, etc.) regardless of the payment of insurance premiums.

In understanding the TS, the concept of continuity is used. If a person quits the enterprise, then for continuity of service he must find a new job within 1 month. If this dismissal occurred due to the liquidation of the organization or staff reduction, 3 months are given for employment.

The insurance period in our country has been accrued since 2002 and is completely tied to the payment of contributions by employers for their employees.

The determination of the total length of the working period occurs by summing up all the stages that, according to the law, are included in the labor activity of a citizen.

Increasing coefficients

When calculating pensions in the Russian Federation, coefficients are established that determine the relationship between the size of the pension payment and the average salary in the country. The maximum standard ratio is 1.2, but there are also increased rates. For persons who have worked in the Far North and are applying for a “northern” pension, an increasing coefficient has been established in the range from 1.4 to 1.9.

What periods are not taken into account?

The pension period includes only those periods when the employee made contributions to the pension fund. Therefore, such periods will not be included in it:

• full-time training, regardless of the institution, as well as courses in personnel training or retraining;
• living in the occupied territories and besieged Leningrad during the Second World War;
• being in concentration camps during the Second World War;
• care for HIV-positive children under age;
• any leave without pay.

Calculation of length of service for conscripts and contract soldiers

The service under the contract involves receiving a salary, from the amount of which deductions are made to the Pension Fund.

In this case, length of service is determined on the basis of the following calculation: one day in military service corresponds to a working day in civilian conditions.

A similar formula is used to calculate the length of service for a conscript soldier. Days off and vacation days are not taken into account.

The Government of the Russian Federation has determined lists of territories and organizations in which the duration of military service is counted as length of service with an increasing factor of 1.5 and 2.

Interruptions in service noted in the relevant documents do not affect its total duration.

Calculation of work experience for individual entrepreneurs

An individual entrepreneur provides himself with the necessary work experience by paying the required insurance premiums. This length of service is the most important factor in determining the required pension.

An individual entrepreneur is recognized as an insured person when he makes all required payments for himself into the accounts of the pension fund. A pension is formed from a portion of such funds; for this reason, the periods of activity for which contributions are calculated and paid must be included in the length of service.

Keep in mind! The list of necessary documents to confirm the development of IP is present in Government Decree No. 555.

In accordance with the newly developed rules, the total length of service and the accrual of the required benefits for individual entrepreneurs are calculated in the same way as for employees. As a result of the reform, the required pension became an insurance one, as well as a funded one, the latter being formed from insurance payments and the profit received from their investment. Such a pension will be received by citizens at the age of 49 who have submitted an application for the transfer of a certain part of the insurance premiums paid to various non-state pension funds. Accrual is carried out according to previously existing rules.

The process of forming insurance-type pension accruals has changed significantly, so its size is influenced by the following factors:

• the amount of income of the individual entrepreneur for the annual period;
• seniority;
• the age of the citizen when applying to the Pension Fund for quick registration of the required benefit;
• type of required pension provision;
• the presence of time periods not included in the insurance period.

The formation of a businessman’s due pension is carried out from fixed amounts of payments, as well as the value of the accrued points. This cost is multiplied by an individual calculated coefficient, taking into account periods not included in the calculated insurance period.

Today, individual entrepreneurs, together with their hired employees, can receive a higher pension, whereas the previously performed calculation based on the minimum wage and without taking into account the insurance experience of the individual entrepreneur did not provide such an opportunity.

How to apply for a pension when the minimum length of service has been reached

1. Write an application for an old-age pension. This can be done at the regional Pension Fund or through government services.
2. Attach copies and originals of your passport, work book, SNILS, information about dependents, if any, to your application.
3. After 10 days, receive a decision on the assignment of a pension and its amount.

Important! The day of application to the Pension Fund is the day from which the pension will be assigned. If a pensioner is a little late and decides to apply for benefits six months after reaching retirement age, the missed six months will not be taken into account.

Continuous work and accrual

Many people ask the question: “If I have 5 years of NS experience, is this enough to calculate old-age benefits?” This “magic number” indeed played its role before the Pension Reform of 2015, as described above, but, unfortunately, it has nothing to do with continuous service, as well as now with the pension itself.

NS was given great importance in the Soviet era. All kinds of payments and additional allowances to the benefit itself depended on its size. But time passes and it seems that such a concept as continuous experience will soon fall into oblivion.

Size based on five years of experience

What to expect for those who, due to various life circumstances, do not have the necessary insurance experience? What payments can be expected from the state in this case? Let us repeat: in the current situation, you can only count on old-age social benefits, and in this case, the age for retirement is increased by five years.

The size of the pension for less than 5 years of work experience is determined by the subsistence minimum established in the territory of residence, and it, in turn, is calculated based on statistical data on prices for food and non-edible goods.

IMPORTANT! The minimum pension cannot be less than the minimum subsistence level established in the territory where you live. Otherwise, you have the right to additional payments, in accordance with Federal Law No. 178.

To receive this supplement, you will need to submit an application. If at this moment you are officially working, then you are not entitled to such a payment.

Procedure for appointment and registration

Having reached a certain age, which we wrote about above, you can contact the Pension Fund of the Russian Federation in the territory in which you live, but given the fact that you will have to collect documents, we advise you to approach the Pension Fund in advance.

The appointment itself is not an easy process, because the Pension Fund will need to check all your documents, especially those that confirm your work experience. There are regulations that are regulated by the Law. If your work experience is incomplete, you can also apply for social benefits if you have a disability or have lost your breadwinner.

From 2021 accruals are made in accordance with the new legislation, Federal Law - No. 400, No. 424. When assigning, the total amount of payments is taken into account, which was influenced by the size of the salary and length of service.

If you were engaged in any labor or other social activity, please clarify whether it is not taken into account in your total work experience? If everything is in order with the documents provided, then, as a rule, the pension will be assigned within ten days from the submission of the application.

To avoid all sorts of delays during registration, start preparing in advance.

It is optimal to contact the Pension Fund six months before the expected retirement, and 30 days before the appointed time you can already submit an application for a pension.

To complete it, you will need to submit the following documents:

1. passport, as well as a copy of it;
2. work record book (when providing a copy, it must be certified by a notary);
3. additional documents confirming experience (if available);
4. military ID;
5. SNILS;
6. if you were registered with the Central Health Insurance Center and received benefits - a certificate;
7. children's birth certificates for women, and in the case of men - if there are dependent children who have not reached 23 years of age and are receiving full-time education.

In some cases, additional documents may be required, which the Pension Fund will tell you about. This is the basic procedure for assigning and registering a pension benefit.

Social benefits will be assigned from the first day of the month following the one in which you applied, but not earlier than your retirement age.

Important: you must permanently reside in the Russian Federation and be a “disabled citizen.”

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We invite you to familiarize yourself with information about what kind of pension a person whose experience is , , , , or 40 years should expect.