Early assignment of an old-age pension is possible for... Early retirement

Government Russian Federation it is possible to compensate citizens for loss of earnings or other type of income due to loss of ability to work due to age.

In the legislation of the Russian Federation, this type of support for disabled persons is prescribed as old age insurance pension. It is prescribed to women over 55 years of age and men over 65 years of age. However, persons who worked on hazardous or heavy objects are entitled to receive benefits earlier due date.

Features of formation

After a citizen of the Russian Federation has reached a certain age, he has the right to count on state support due to loss of ability to work. To use it you need to have the required amount insurance period and individual pension coefficient (IPK) points.

The amount of the IPC depends on the amount of contributions for all periods of work. If one of the requirements is not met, the pension is still assigned. But it will not be insurance, but social.

The government has provided for the possibility of a preferential retirement age for a certain group of people. This benefit is given to those who have worked for a certain period of time in hard work associated with danger to life and health.

To assign maintenance in old age must meet the requirements established for privileged persons. Most are used for standard benefit assignments. However, there are requirements that apply only to the preferential category of future pensioners. So, their jobs should be subjected to special assessment. For such citizens, additional contributions to the Pension Fund must be made.

Order of the Ministry of Labor of Russia dated January 19, 2016 N 14n “On approval of the Administrative Regulations for the provision by the Pension Fund of the Russian Federation of state services for the establishment of insurance pensions, funded pensions and state pensions” contains complete information that PFR specialists are guided by when accepting and considering applications on the appointment of insurance pensions.

It is the most common type of financial support for older people in our country. The opportunity to receive it is available to men and women who have crossed the threshold of 60 and 55 years of age, respectively. In this case, the length of service must be no less than that established by law and the number of pension points no less than the minimum amount. However, a separate group of citizens may be paid an old-age pension ahead of schedule. The list of jobs, professions, industries, positions, specialties and organizations, taking into account which this benefit is assigned, was approved by order of the Government of the Russian Federation.

What is early retirement?

The conditions for receiving a pension are regulated. In accordance with it, certain groups of citizens have the right to early retirement in old age.

Previously, in pension legislation such provision was called preferential. It was received by doctors, teachers, artists, etc. Now, if a pension is assigned before the established age, then it is correct to call it early.

It is issued five years before reaching due pension by old age, unless otherwise noted.

Conditions for registration

Early retirement pension for health workers

For employees of budgetary organizations, the state provides everything possible benefits. If the following requirements are met, employees of healthcare institutions, regardless of age, are entitled to an early medical old-age pension:

The duration of professional activity must be at least thirty years. If the work experience was only in work in rural areas and urban settlements, then more than twenty-five years.
During the period counted towards the length of service, insurance payments must be made to the Pension Fund.

Old-age pensions can be issued early to citizens if the position and name of the institutions in which they worked are included in a special list developed by the government of our country, since it is this data that employees of the Pension Fund of the Russian Federation rely on when making decisions.

It should be noted that employees of private medical organizations have the same right to early registration as employees of state and municipal institutions.

Work experience is equally taken into account both with a normal schedule and with reduced working hours. As a rule, periods are counted in calendar order. That is, one year of work activity is taken as one year of experience. There are exceptions to this rule:

if during his professional activity a person, in addition to the city, worked both in urban settlements and in rural areas, then one year of his work in rural areas should be counted as one year and three months of experience;
one year of work in the city is counted as one and a half years of experience for the following categories of health workers: surgeons, anesthesiologists-resuscitators, pathologists, forensic experts;
when these persons work in urban settlements or rural areas, the year of their working activity is counted as one year and nine months.

In duty medical workers, on the basis of the law of our country, includes improving your qualifications. Therefore, these periods must be included in the length of service for which early retirement is granted.

Citizens engaged in teaching activities

Destination Features pension provision regulated by law. Early retirement pensions are awarded to teachers regardless of their age. The main thing is that your professional experience is more than twenty-five years.

When working in an organization whose name is not included in the list of teaching positions and institutions, this period of professional activity is not counted towards the length of service for granting a pension.

Professional activities carried out in the period before September 1, 2000 are counted as length of service, regardless of the conditions for fulfilling the working time norm at that time. After this date - subject to general compliance at the main and other places of work with the standard working hours established as the wage rate.

The length of service includes the time spent working, the time intervals for receiving payments for temporary disability, as well as annual paid leave, including additional ones. At the same time, periods not related to the educational process (participation in conferences and seminars, advanced training courses, educational leaves, leave without pay, unauthorized absences, parental leave, etc.) are not counted there. An exception is parental leave for a child under three years of age taken before October 6, 1992.

Early old age pension for the unemployed

This status is acquired by citizens who are capable of working, but who do not have work or income, who are registered at the employment center in order to find a suitable job for them. Such people, if they meet the necessary requirements, have the right to receive an early old-age pension.

Conditions of appointment:

the person must have official unemployed status and no possibility of getting a job through the employment service;
the age of a citizen should not be younger than two years before the retirement age established for all;
the basis for dismissing a person from a previous job must be either the liquidation of the organization or termination of activities, or a reduction in the number of staff of these employers;
it is necessary to have length of service that allows you to apply for an old-age labor pension, in accordance with the Federal Law “On Labor Pensions”.

Peculiarities:

transfers of assigned unemployment payments will be made until the pension is assigned;
a person has the right to choose whether or not to switch to the early pension provision offered to him;
early insurance pensions old age can be issued simultaneously with fixed payments for length of service in accordance with the law;
the transfer of pensions stops when a person goes back to work or when he resumes any work activity counted in his insurance period;
if the local authority of the Pension Fund refuses to issue an early pension, the employment center is obliged to renew the official status of the unemployed and continue searching for work for the citizen.

The calculation of early old-age pensions for the officially unemployed is carried out in the same way as the calculation of generally established pension payments.

Periods counted towards length of service

When applying for an early pension, along with periods of work, the length of service includes:

the time at which payments for temporary disability were made;
annual paid holidays;
maternity leave.

The retirement age in Russia is 60 for women and 65 for men. However, under certain conditions, early retirement is possible. In particular, when a person was employed in dangerous and harmful work.

general information

Citizens who are entitled to a preferential pension due to harmfulness must work for at least 10 years (for men) and 5.5 years (for women) in dangerous and harmful conditions. If the length of service is insufficient, early retirement is not possible. In addition, there is an approved list of professions that are classified as harmful and dangerous.

Especially harmful professions

In 2014, Resolution No. 665 was adopted, which approves a list of professions in which employment is classified as harmful, difficult and dangerous work. All of them are divided into large categories:

mining;
agglomeration and enrichment;
metallurgical production;
coke, pitch coke, thermoanthracite and coke production;
gas and gas generating plants, stations and gas production workshops;
production of dinas products;
production of silver nitrate, refining and production of chemically pure precious metals and their processing;
pipe-press, pressing, drawing shops and departments;
chemical production.

The full list with detailed explanations can be read in the resolution. Citizens who have been employed for more than eight years in one of the areas can count on preferential and early retirement.

Important! If a citizen was employed one at a time from directions from list No. 1 of the Resolution, then the total length of service is not taken into account when assigning early and preferential pension. Working conditions are considered particularly dangerous and harmful to health, so 10 years of work is sufficient. Download for viewing and printing:

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

Other professions

Besides List No. 1. The Decree also provides for List No. 2, which contains professions related to difficult working conditions. At the same time, the legislation allows the summation of the period of work in a profession from the first list with the period of work in a profession from the second list.

In fact, a person could be employed for three years as x-ray technician(List No. 1), and then for seven years - the youngest nurse for patient care in the X-ray department (List No. 2). In fact, in difficult conditions, the citizen worked for ten years, which is enough to retire early and receive a preferential pension for disability.

Important! In addition to “dangerous” experience, general work experience is also required. That is why the right to retire early may be denied, even if a sufficient number of years have been worked under difficult conditions.

Basic Rules

Men counting on early retirement pension must meet several criteria:

10 years of continuous experience by profession from list No. 1;
total work experience of at least 20 years;
age 50 years.

Under total work experience is understood in total both experience in a hazardous profession and experience in other professions. Only in this case will a man be able to retire at 50, 15 years earlier than everyone else. Nobody takes away his right to further work, but along with his salary, he is entitled to preferential pension payments.

Women counting on early retirement pension must meet the following criteria:

7.5 years of continuous experience (including periods maternity leave) by profession from list No. 1;
total work experience of at least 15 years;
age 45 years.

For citizens employed in professions from established list No. 2, other criteria apply:

12.5 years of continuous experience for men and 10 years for women;
25 years of total experience for men and 20 years for women;
age 55 years for men and 50 years for women.

In this case, the amount of the preferential pension will be calculated taking into account the total length of service, based on established standards.

Conditions for appointment

The Law “On Insurance Pensions” supplements all the conditions for early and preferential old-age retirement with the presence of a minimum individual pension coefficient (IPC) of 30. The coefficient itself depends on the average salary and insurance contributions paid by the employer.

At the same time, the employer does not have the right to conceal from Pension Fund official income of a citizen, provide false information and delay the deduction of contributions. Accordingly, the higher a citizen’s salary (meaning “white” income), the higher the individual pension coefficient.

Example

Insurance pension payments (also known as disability payments to citizens who have reached the appropriate age) are calculated according to the general rules for calculating an insurance pension: the individual pension coefficient is multiplied by the cost of one coefficient.

For example, a person in a hazardous profession earned an IPC of 150 points, and an additional 100 points for his overall work experience.

The cost of one coefficient in 2019 is 87.24 rubles.

That is, the pension will be: (150+100)*87.24= 21,810 rubles.

Also, a fixed payment to the insurance pension will be added to this amount (in 2019 - 5334.19 rubles)

These are the payments a person is entitled to.

At the Pension Fund, when submitting documents for an early or preferential pension, you can clarify in advance how much the individual coefficient will be, and then independently calculate the amount of future payments.

The number of points is also influenced by the region of residence. Thus, residents of the Far North and areas that are equivalent to it are charged higher IPC for difficult living conditions.

Important! The opportunity to clarify the IPC for a specific period of time is also available to those who order statements from the Pension Fund in electronic form on the government services portal or in their personal account on the official website of the Fund. Service absolutely free, allows you to find out the size of the accounted length of service and individual pension coefficient. Download for viewing and printing:

Additional tariff

Periods of work in hazardous and hazardous industries are included in the special length of service with the mandatory accrual and payment of an additional rate of insurance contributions to the Pension Fund of the Russian Federation. Therefore, it is extremely important that the employer promptly calculates and pays insurance premiums at additional rates. Otherwise, this will prevent the formation of the right to early assignment of an old-age pension.

Currently, employers who have jobs on List 1, List 2 and “small lists” are required to conduct a special assessment of working conditions in the workplace in accordance with Federal Law No. 426-FZ “On the special assessment of working conditions” and pay a differentiated additional tariff in depending on the established class and subclass of working conditions.

Additional tariff payment table

Registration procedure

In order to apply for preferential payments or early retirement, you need to prepare a small package of documents:

employment history;
passport;
statement;
SNILS (pension insurance certificate, “green” card);
certificates from all places of work clarifying the nature of work activity.

If the work book does not have enough length of service, but the citizen actually worked in a harmful profession, you can request copies of certificates from the archives, copies of orders from the employer on hiring or dismissal.

Since 2003, the Pension Fund has independently kept records of years of service, which can be viewed in your personal account on the website. If there is not enough experience, but in fact it was (there are supporting documents), you must personally contact the territorial department at the place of registration or temporary registration to update the information.

Within 3 calendar months Pension Fund employees carry out data reconciliation, after which the citizen is given either a positive or negative result regarding the establishment of a preferential or early pension. If the application is approved, no notifications are received; payments are made according to the specified details. If for some reason preferential payments are not assigned, a notification of denial of service is received.

Important! If a person does not agree with the result or the accrual of individual pension points, then he has the right to apply to the court to review the pension case.

Electronic appeal

After the law on the provision of electronic services to the population comes into force, citizens are strongly encouraged to contact departments through the government services portal or official websites.

It’s the same with the Pension Fund. That is why, in order to save time, you can fill out an application on the government services portal and send it electronically. In this case, you do not need to attach any documents, just a statement is enough.

At the same time, the Pension Fund calculates the IPC and length of service based on the information it has. If they are not reliable, or there are additional documents, then you need to apply in person.

Important! The Fund does not have the right to refuse a personal reception, so a citizen can choose the most convenient method of contact, based on his own preferences.

Additionally, it is possible to apply through Multifunctional Service Centers (MFC or “My Documents”) at your place of residence or temporary registration.

Other benefits

If a citizen is entitled to preferential pension payments on several grounds (for example, for harmful working conditions and for work in the radioactive radiation zone of the Chernobyl nuclear power plant), then the benefits are summed up.

The Pension Fund does not have the right to leave the choice to the most beneficial option for the citizen. The amounts are added together and are subject to monthly accrual. according to established order

Watch a video about what documents are needed for a preferential pension

5 September 2017, 19:42 Apr 18, 2019 12:24

Every time you hear in the news about another possible pension reform, potential recipients pension savings understand that the calculation method is complex and unclear. This applies to both regular pensions and payments intended for preferential categories of citizens. It is for the latter that this article will discuss issues directly related to the calculation of pensions.

One of federal laws, adopted in 2013, described the categories of citizens who will receive the insurance part of the pension with preferential allowances. Professions with difficult working conditions, for example, associated with risks to life - railway workers, rescuers and geologists, as well as other professions, such as teachers, fall under the category of “preferential”. If certain conditions are met, these citizens can count on early retirement, with appropriate payments.

The conditions are as follows:

the number of pension points at the time of registration of retirement must be at least six;
naturally, the citizen must be an employee belonging to the above categories of “beneficiaries”;
The length of service must be no less than that required by federal law, and it varies for different professions.

Method for calculating preferential pension

If in order to register pension accruals calculated under preferential conditions it is necessary to observe a number of points, then the method of directly calculating the amount of contributions does not differ at all from the standard one. It all comes down to the number of pension points, which is slightly higher for privileged categories of citizens than for others.

The very concept of “pension point” was introduced in 2015; before that, payments accrued to citizens were calculated directly from the pension contributions of a working citizen and the length of his work experience. Now, according to the new standards, everything listed is translated into these very “pension points”. The transfer formula is quite simple: the full amount of contributions to the Pension Fund for a certain year is taken, divided by the amount of pension contributions accepted in the same year, and multiplied by ten.

To understand, let’s look at the calculation using a specific example. Let’s say that a doctor in a therapeutic department receives twelve thousand rubles a month. Let's calculate the number of points he earned for 2015. That year, the rate for insurance contributions was equal to sixteen percent per month, respectively, pension contributions for 2015 were:

670,000 rub. * 16% = 107,200 rub.

Applying a rate of sixteen percent to wages and taking into account a period of twelve months, we obtain:

12,000 rub. * 0.16 * 12 months / 107,200 rub.

Multiplying the resulting number by ten, we have 2.15 points for a doctor in the therapeutic department, accrued to him in 2015 with a monthly salary of twelve thousand rubles.

According to federal law, all funds transferred before the introduction of the “point” system were automatically recalculated. When the retirement date arrives, each citizen will be accrued pension payment in accordance with the accepted formula, according to which all points earned for a certain year will be multiplied by a rate equal to the value of the point for a certain year.

Example and formula for independently calculating a preferential pension

If desired, expected pension accruals can be calculated independently. To do this, first of all, you need to compare the entries in your own work book with the list of professions, work in which implies early retirement. The next step will be to determine specific calendar dates for periods of work that can be considered as preferential ones. Here, not only the name of the profession is taken into account, but also the names of the organizations (also collected in a special list) in which the work activity was carried out.

After the full length of work experience has been described, it is necessary to check with federal legislation (Articles 30 to 32, Law No. 400) for compliance. With sufficient experience, you can proceed to calculating points for individual periods.

Please note that you will have to do quite complex calculations. As mentioned above, points began to operate quite recently, so it is necessary to take pension contribution rates for the period from the beginning of the 2000s to 2014 and calculate the insurance part of the pension using the old formula.

The resulting value must be divided by the value of the pension point adopted for 2015, and the resulting number must be added with points awarded for various periods of interruption in direct work activity (child care, sick leave, etc.). It is worth noting that for each year pension points are calculated separately, at the appropriate rates.

Next, all received pension points must be multiplied by the pension coefficient, which will result in the approximate size of the insurance pension, calculated under preferential conditions. True, the accuracy of this calculation at home does not exceed sixty percent. A more accurate calculation will be helped by a special calculator offered on the official website of the Pension Fund of the Russian Federation.

If the age is still far from retirement age, then instead of complex calculations it is still better to do the direct labor activity. If you want to go exactly to preferential category citizens need to focus on achieving the necessary conditions for this, described at the very beginning of the article.

If you apply for a preliminary calculation of a preferential pension, even if the applicant is still far from retirement, Pension Fund employees do not have the right to refuse. Knowing rough estimates of your future pension savings can give you an additional incentive to increase them.