Why did the government decide to raise the retirement age? Everything you need to know about raising the retirement age The case for reform

In 2020, an increase in insurance and social pensions is planned. To whom and by what percentage will payments be increased? Read the latest news about the increase for working and non-working pensioners.

On this page, correspondents from the 10Banks website have collected the most recent data on the indexation of various types of pensions that are paid in Russia:

⋅ Deposits for pensioners in

All about the increase in pensions in 2020

There are many questions about the upcoming indexation among working and non-working pensioners today.

Indexation of the insurance pension from January 1, 2020

Since January 1, Russia has been increasing the old-age insurance pension. In past years, there was a simple and understandable rule for everyone: payments were indexed to the level of inflation over the past year. This was considered fair, because it was assumed that the pension increases exactly as much as the prices in stores rise. Of course, everyone understood that the increase in the cost of goods on the shelves constantly outstripped the increase in pensions. But this fork was not critical, pensioners, if poor, then slowly. That is why the existing state of affairs suited the officials.

But then, as you remember, leapfrog began. Inflation has skyrocketed like a real Olympic champion, and pensions are far behind her. The old people were promised additional indexation, then they were given 5,000 rubles each, but prices kept rising, and pensioners could hardly make ends meet.

Finally, in justifying the increase in the retirement age, Putin said that pensions in Russia would now be indexed to a level higher than inflation. He even named a number: we will be able to annually increase the old-age pension for non-working pensioners by an average of 1 thousand rubles».

We will not comment on the president's words. How much the pension actually grew this year, each of its recipients knows for himself.

See deposits for pensioners in TOP-10 banks.

How many percent will increase the old-age pension in 2020

But that was just the necessary backstory. And now let's get back to the plans for indexing old-age insurance pensions from January 1, 2020. What to expect? But what.

Insurance pensions will be indexed in January 2020 by 6.6 percent. This was announced by the Deputy Prime Minister of the Russian Federation Tatyana Golikova.

How to increase the insurance pension

Year	Percent

At the same time, inflation at the end of 2019 is projected at 3.8%, that is, it is planned to increase pensions one and a half times higher than inflation. The price of a pension point in 2020 will increase from 87.24 rubles. up to 93 rubles. This is already information from the explanatory note to the draft budget of the Pension Fund of the Russian Federation.

How much will the pension increase in rubles

How much will the insurance pension increase from January 2020

Today, rub.	in 2020, rub.	Increase, rub.

Increase in social pension from April 1, 2020

State pensions, including social pensions, traditionally increase from April 1. As we remember, social pensions were previously indexed as follows:

2017 - by 1.5%,
2018 - by 2.9%,
2019 - by 2.0%.

How much will our government fork out this time?

Putin did not say anything about social pensions. But apparently he did.

According to Russian Deputy Prime Minister Tatyana Golikova, social pensions in 2020 will be indexed by 7 percent.

However, as the months went by, the percentages seemed to shrink and shrink.

As the press service of the Ministry of Labor of Russia reported on February 19, 2020, from April 1, 2020, social pensions will be indexed by 6.1%.

This was stated by the current Minister of Labor and Social Protection of the Russian Federation Anton Kotyakov.

Note again that these are only plans. How far they are destined to come true, we will find out in April 2020.

Increase in the pension of working pensioners in August 2020

As we remember, starting from 2016, the insurance pensions of working pensioners in Russia are not indexed. In January 2020, they also do not have to wait for an increase.

What do working pensioners need to do to index their pensions? The answer is known: stop working.

The Pension Fund of the Russian Federation assures that after they stop working, the amount of the insurance pension and the fixed payment to it will be recalculated, taking into account all indexations that took place during their work.

Well, for those who do not want to quit yet, it remains to wait for August 2020. It is in the last month of summer that all working pensioners are waiting for the traditional unclaimed recalculation of pensions based on the results of last year.

The increase in pension as a result of recalculation is individual in nature and depends on the amount of insurance premiums that the employer paid to the Pension Fund for a working pensioner in 2019. Traditionally, it is no more than 3 pension points, that is, no more than 262 rubles.

Who is entitled to a social supplement to a pension?

If non-working pensioners have a total amount of material support less than the pensioner's subsistence minimum (PMP) in the region of residence, then they are given a social supplement. Thus, the pension is increased to the size of the subsistence minimum.

However, it should be borne in mind that when calculating the total amount of material security, not only pensions are taken into account, but also other measures of social support. This may be a benefit for utility bills, travel by public transport and others.

You can find out the size of the living wage for a pensioner in your region on the website of the Pension Fund -

In 2020 indexation will again be held under the new rules

By the way, in 2019, the procedure for indexing pensions for those who have it below the subsistence level has changed. As you remember, in the spring they even made a recalculation. Now, in 2020, indexing should immediately go through according to the new rules.

As it was before

Previously, the indexation value (I) was added to the pension (P), and then the Social Surcharge (SD) was raised to the Pensioner's Living Minimum (PMP).

The following formula worked: P+I+SD=PMP.

Sometimes it turned out that the real amount of payments did not increase, but remained at a minimum level.

As it is now

Now, first determine the amount of social surcharge (SD). Then the pension is indexed (P + I). Therefore, they add a surcharge (SD), the amount of which remains unchanged.

Example

Let's say the pension (P) is 7800 rubles.

The cost of living for a pensioner (PMP) in the region is 8,846 rubles.

Let's calculate what the Social Surcharge (SD) should be in order to raise the pension (P) to the subsistence level (PMP): SD = PMP - P = 8,846 rubles. - 7800 rubles. =1046 rub.

Now we will index the pension, for example, by 6.6%, as it will be from January 2020. We get P x 1.066 = 7800 x 1.066 = 8314.8 rubles.

And now let's add to the indexed SD pension in the amount of 1046 rubles. We get 8314.8 rubles. + 1046 rub. = 9360.8 rubles.

It turns out that after the January indexation, the pensioner will already receive 9,360.8 rubles.

Who is entitled to an increased fixed payment for a pension

A fixed payment is a certain amount that is paid to all pensioners, except for the military. Its size is almost the same for everyone, regardless of length of service, salary and everything that is taken into account when calculating pensions. This is a kind of analogue of the basic part of the pension.

Many probably don't even know that a Fixed Benefit is part of their retirement benefit. But in fact, they receive in their hands an amount that consists of an insurance pension + a fixed payment. All the same, everyone together calls it an insurance pension.

The amount of the fixed payment is set by the state and indexed annually along with the pension. For example, from January 1, 2020, it will also be increased by 6.6%, as a result, its size will increase from 5334.19 rubles. up to 5,686.25 rubles.

A fixed payment to an insurance pension will become interesting only when you have the opportunity to receive it in an increased amount. And this:

Citizens who have reached the age of 80, or disabled people of group I;
Citizens who are dependent on disabled family members;
Citizens living in the regions of the Far North and equivalent areas, etc.

Since January 2019, a 25% increase in the fixed payment to the insurance pension is also provided for 30 years of work experience in agriculture. In addition to seniority, there are a number of conditions, so check with your Pension Fund branch for more details.

What amount of pension is considered "worthy"

Correspondents of Rossiyskaya Gazeta calculated that in 2020 the average insurance pension in Russia will reach the level of 15.4 thousand rubles, and for non-working pensioners - 16.4 thousand. Is it a lot or a little? Of course not. And what size of pension can be considered "worthy"? This question was addressed to the residents of the country by employees of the job search service Superjob.

They conducted a small survey and found out that the majority of respondents consider a pension of 40,000 rubles to be “worthy”. At the same time, residents of Moscow and St. Petersburg called a pension of 43.9 thousand rubles “worthy”. and 42.2 thousand rubles, respectively. And the lowest pension expectations are among survey participants from Kirov, Naberezhnye Chelny and Yaroslavl (34.9 thousand rubles, 34.7 thousand rubles and 34.5 thousand rubles).

And what amount of pension do you consider "worthy"?

Conclusion

Correspondents of the site site have compiled a preliminary calendar of pension increases for 2020.

Pension indexation calendar for 2020

From January 1, 2020 - indexation of the insurance old-age pension for NON-working pensioners by 6.6%.
From April 1, 2020 - increase in social pension by 6.1%.
In August 2020, the recalculation of pensions for working pensioners, depending on their salary for 2019.

Follow the latest news about raising pensions in 2020 with the site site!

Remember the buzz about raising the retirement age? In addition, there are other features of the pension reform that are important to know about. The retirement age itself will not be raised immediately, but within 10 years, so we will start with those amendments that will affect pensioners in a few days.

It's about adding to your pension. Does this increase really exist and how much will the state add after January 1? Here we analyze only the laws and the current regulations, without rumors and speculations.

Ekaterina Miroshkina

economist

The main thing about raising pensions

Here are the main conditions for indexing pensions:

Insurance pensions in 2019 will grow by 7.05%. One point now costs 87.24 rubles, the fixed part will be 5334 rubles.
The average pension in Russia will increase by a thousand rubles a month and will amount to 15,400 rubles. But everyone will have their own gain. The increase depends on the previous size of the pension.
Every year the pension will grow by about a thousand rubles. Again, average. Indexing is approved for five years in advance.
The 7.05% pension increase applies only to non-working pensioners. Workers have indexation on other conditions and at other times.
We took all this from federal law No. 350-FZ, and not from the media and public statements of officials.
Pensions increase every year. Previously, the amount of the increase was about half that.

What increase are you talking about?

It's about the indexation of pensions. The state centrally increases payments to all pensioners by some percentage. This is how they compensate for inflation: food, utilities, travel and medicines become more expensive, and many older people have no other sources of income.

When discussing the law on pension reform, it was about an increase for current pensioners. They were promised to increase the amount of pensions by about a thousand rubles. With the amount of payments of 13-14 thousand rubles, the increase for many is very significant. The condition for the increase actually appeared in the law.

As it was before?

Typically, insurance pensions were indexed to a percentage that was slightly higher than official inflation. For example, with inflation of 2.5%, the indexation of labor pensions was 3.7%. In terms of the average pension in Russia, this is 500 rubles a month.

For example, last year indexation was after February 1 and amounted to 3.7%. This means that pensioner Ivan Ivanovich received 14 thousand rubles of pension until February 1, and began to receive 14,500.

In fact, the increase turned out to be symbolic: it simply went to compensate for the price increase.

The increase in rubles depends on the size of the pension. If Ivan Ivanovich receives 14 thousand rubles, in 2018 he was given 500 rubles, and Petr Petrovich with a pension of 10 thousand - only 370 rubles.

How will it be from 2019?

In 2019, insurance pensions will be indexed by 7.05%. This is almost double what it was a year ago, much more than usual, and double the estimated official inflation. For all the time of indexation under the new rules, there has never really been such an increase. And this increase is no longer just a promise of officials, but a norm of federal law.

Finding her is not so easy. In the laws on pensions, you will not find mention of 7.05% and thousands of rubles. Therefore, we tell where the indexing condition is hidden:

There is a federal law on changes to pensions. It was signed on October 3, 2018 and will be operational from January 1, 2019.
This law outlines the main budget items of the PFR. Paragraph 7 of article 10 specifies the fixed value of the pension point. This cost is multiplied by the number of points that each pensioner has accumulated. This is how pensions are considered in Russia.
In 2018, one point costs 81.49 rubles, and in 2019 it will cost 87.24 rubles. Thus, the price of one point for the insurance pension increased by 7.05%.
The cost of points when calculating the labor pension is added to the fixed payment. It also increased by about 7%. In 2018, it is 4982 rubles, and from 2019 it will be 5334 rubles - about this in paragraph 8 of article 10 of the same law.
The fixed payout will increase equally for everyone. The total value of points depends on how many points you managed to accumulate during your work. But in general, the insurance pension will increase by 7%.

How much will pensions increase?

The increase depends on what kind of pension a particular person is being paid now. When they talk about a thousand rubles increase, they mean the average insurance pension in Russia - 14,414 rubles. If such a pension is increased by 7.05%, then the increase will be just a thousand. And a pensioner in 2019 will already receive 15,400 rubles.

If the pension is 12 thousand rubles, 850 rubles will be added, but 1400 will be added to the pension of 20 thousand.

How much will the insurance pension increase in 2019, R

Retirement in 2018	Retirement in 2019	How much will be added
10 000	10 705	+ 705
11 000	11 775	+ 775
12 000	12 846	+ 846
13 000	13 916	+ 916
14 414	15 430	+ 1016
15 000	16 057	+ 1057
16 000	17 128	+ 1128
17 000	18 198	+ 1198
18 000	19 269	+ 1269
19 000	20 339	+ 1339
20 000	21 410	+ 1410

Retirement in 2018

Retirement in 2019

How much will be added

Does this apply in general to all pensioners who have already been assigned a pension?

No, this only applies to non-working pensioners. If a pensioner works, his pension is not indexed during this period. It is recalculated once a year, taking into account the insurance premiums accumulated during the work, and that's all.

But when the pensioner quits, the payments will be recalculated taking into account indexations for the entire time of work. And they will immediately pay an increased pension.

Who is considered a working pensioner?

A working pensioner is someone who works officially and is an insured person. That is, they pay mandatory insurance premiums for it.

Here are examples when a pensioner is considered to be working:

He has an employment contract. Compulsory insurance premiums are paid by the employer.
He entered into a service or contract agreement. That is civil law. Then the customer must pay the fees.
The pensioner is registered as an individual entrepreneur on any taxation system. He pays mandatory contributions for himself.

How to get an increase in pension in 2019?

For this, two conditions must be met:

You have been assigned an insurance pension. That is, you have earned the minimum length of service and points and have reached retirement age.
You do not work and do not pay mandatory insurance premiums for you. Volunteers do not count.

You don't need to do anything special. The pension fund will calculate the supplement itself and pay it with the next pension for 2019.

Typically, the pension fund learns about the work of a pensioner from the information provided by employers. But if something was not taken into account, you can write a statement that the pensioner is no longer working - the pension will be indexed and they will pay an increase.

What will happen to pensions after 2019?

How pensions will be raised until 2024

	2019	2020	2021	2022	2023	2024
How much does a pension point cost	87.24 R	$93.00	98.86 R	$104.69	$110.55	116.63 R
Raise	7,05%	6,6%	6,3%	5,9%	5,2%	5,5%
Fixed part of the pension	5334 R	5686 R	6044 R	6401 R	6759 R	7131 R
Average pension	15 430 R	16 448 R	17 484 R	18 516 Р	19 478 R	20 550 R
Average increase	1000 R	1000 R	1000 R	1000 R	960 R	1000 R

2019

How much does a pension point cost

87.24 R

Raise

Fixed part of the pension

5334 R

Average pension

15 430 R

Average increase

1000 R

2020

How much does a pension point cost

$93.00

Raise

Fixed part of the pension

5686 R

Average pension

16 448 R

Average increase

1000 R

2021

How much does a pension point cost

98.86 R

Raise

Fixed part of the pension

6044 R

Average pension

17 484 R

Average increase

In the current demographic, economic and institutional conditions, it is impossible to provide pensioners with a decent amount of pensions, Lilia Ovcharova, director for social research at the National Research University Higher School of Economics, told RBC. According to her, raising the retirement age in other countries was accompanied by changes in the healthcare system, as well as the implementation of programs to support the employment of older people. “If these measures are not taken, then, of course, there are significant risks associated with the fact that, firstly, unemployment among older people will increase in our country. Secondly, the proportion of people who draw up a pension not for old age, but for disability, may increase quite avalanche-like,” Ovcharova warned.

"63/65" is not the only option that was discussed when deciding on a new retirement age. As sources for RBC, the government also considered other parameters, in particular, an increase in the retirement age to 65 for men and 60 for women, as well as to 62 and 60 years, respectively. The parameters “65/63” chosen by the government are an “extreme” scenario and a “bargaining offer,” said Alexander Safonov, Vice-Rector of the Academy of Labor and Social Relations. At a briefing following the government meeting, First Deputy Prime Minister and Finance Minister Anton Siluanov refused to consider the adopted option "the toughest." The fact is that the government raises the retirement age in stages, he explained.

By old memory

The government did not equalize the retirement age for men and women, although women in Russia, according to statistics, live longer than men (life expectancy is 77 years versus 66.5 years, according to Rosstat (.pdf) for 2017). There are no demographic and economic reasons for maintaining the difference in retirement age for men and women, Ovcharova believes. “But it is an ingrained social norm that women have some social bonus for caring for children and the elderly,” the economist said. “Given that women live longer, the retirement age for both men and women from an economic point of view should be the same,” Ovcharova said.

Who can retire and when

When raising the retirement age, a 10- and 16-year transitional period is provided. The increase itself will take place at a rate of "plus one year every year," follows from the statement of Deputy Prime Minister Tatyana Golikova. The increase will affect men 1959 and younger and women 1964 and younger. For example, men born in 1959 and women born in 1964 will be eligible to retire in 2020 at ages 61 and 56 (under current rules, they would have retired in 2019). Men born in 1960 and women born in 1965 will be able to retire in 2022 at ages 62 and 57, respectively.

In general, the transition period will continue until 2028 for men and until 2034 for women (see infographic). From now on, all men and women who do not belong to privileged categories will retire at 65 and 63, regardless of the year of birth.

Retirement age and for some categories who are eligible to retire early. For example, citizens working in the regions of the Far North and in regions equivalent to them will be able to retire at 60 and 58 years (for men and women, respectively). Now their retirement age is 55 and 50 years. Pensions on this basis receive 2.9 million people, it was noted in the materials for deputies and senators. The transition period for them will be the same as for retirement on general grounds.

The age of early retirement (for the same five and eight years) is also for pedagogical, medical and creative workers. The social old-age pension, which is received by citizens who do not have the necessary work experience, is also - from 65/60 years for men and women to 70/68 years. And people who have a long work record - 40 years for women and 45 years for men - will be able to retire two years earlier (there is such an opportunity now).

The current amendments do not provide for changes to the length of service required by the military upon retirement (now 20 years), but the Ministry of Finance, according to Siluanov, believes that it "should also be adjusted." “We also have such studies with the Ministry of Defense, this will be one of the elements of our proposals,” the First Deputy Prime Minister said.

Who will not be affected by the retirement age increase?

The government has determined the categories of citizens who will be able to retire under the same conditions as now, Medvedev said. Among them are those working in hazardous and hazardous industries; women who have five or more children; visually impaired of the first group and military trauma; one of the parents or guardians of people with disabilities since childhood; citizens affected by the Chernobyl accident.

How does this compare to life expectancy?

Since the current retirement age limits were approved (some of them were adopted in the 1930s, and the basic rules were approved in the 1950s-1960s), “life expectancy has increased by more than 30 years, in addition, living conditions have changed, and working conditions,” Medvedev said. Now this figure is almost 73 years, and by 2030, according to President Vladimir Putin, it should reach 80 years.

But with the current retirement age for men (60 years), the probability of surviving 20-year-old men to retirement age is 68%, RANEPA economists Yuri Gorlin, Viktor Lyashok and Tatiana Maleva. With an increase in the retirement age to 63 years, the probability of surviving to this age and living long in retirement for Russian men becomes one of the lowest among developed countries (below the level of Ukraine, Bulgaria, Lithuania and Belarus), they emphasized.

Dmitry Medvedev and Anton Siluanov (Photo: Mikhail Japaridze / TASS)

The authorities "dramatically changed the situation in terms of life expectancy since 2000, the situation has changed even more dynamically since 2007, when various national projects in the field of health and demography were adopted," Labor Minister Maxim Topilin said on Thursday.

Not the last stage

The retirement age bill has yet to pass through parliament and the presidential administration. The document will be submitted to the State Duma "as soon as possible" so that deputies can consider it in the first reading before the end of the spring session, Medvedev said (thus, the main discussion of the reform will take place in the fall). Vladimir Putin, who is to put his final signature on the bill, has not spoken about raising the retirement age unequivocally before.

“As for the retirement age, you know my position, I have always treated this and treat it today with the utmost caution and accuracy. What would you like to pay attention to? One of the key tasks that I have formulated to the government is to increase the income of pensioners, and a significant increase in their income, ”he said during the annual direct line in June.

What will the citizens and the state get

After the retirement age is increased, the pensions of current pensioners will increase by 1,000 rubles. per year, Medvedev said. Now insurance pensions are indexed to the level of last year's inflation - for example, in 2018 the average pension will increase by 481 rubles, in the past two years it has also grown by 400-500 rubles. The growth of pensions above inflation is spelled out in Putin's May decree. Thanks to the change in the retirement age, pensions will be indexed not only on February 1 for inflation, as before, but then on April 1 (at the expense of additional income), Tatyana Golikova said. But the government does not yet plan to return the indexation of pensions to working pensioners, which was suspended in 2016. Golikova told reporters on Thursday that there is no such measure in the current package of amendments.

“The decision to raise the retirement age is one of the steps to increase the resources of the Pension Fund, which, of course, will be used to increase pensions for pensioners,” Siluanov said, without specifying specific figures on the economic effect.

The financial effect of increasing the retirement age will increase from year to year and will exceed 1% of GDP by the beginning of the 2030s, Vladimir Nazarov, director of the Finance Ministry's Research Financial Institute, told RBC. “In the first year [of raising the retirement age] it will be about 150 billion rubles, then the figure will increase and grow to over 1% by the beginning of the 2030s,” Nazarov said. According to him, part of the funds will most likely be used to increase the size of pensions. “At current prices, this will approximately be an increase of 1 thousand rubles. By the beginning of 2030, we will be able at current prices (that is, adjusted for inflation. — RBC) bring the pension to 20 thousand rubles,” the economist noted. With an increase in the retirement age, GDP can grow by an additional 0.5 percentage points. per year from 2019 to 2028, Kuzmin calculated.

Raising the retirement age can reduce the Pension Fund's deficit by "several hundred billion rubles, but it will create social and macroeconomic problems," believes Sergey Suverov, director of the analytical department of BCS Savings Management Company. “In particular, there may be pressure on wages, and consumer demand is also likely to decrease,” he said.

Will unemployment

The economic effect of raising the retirement age in the proposed scenario does not justify the social risks, Safonov believes. The authorities will face the need for additional costs to bring the income of unemployed citizens to a living wage, he stressed. “At the same time, a decision is being made to raise VAT (it was increased from 18% to 20%. — RBC), which will affect the income of the population. The real incomes of citizens will fall, respectively, this will aggravate the employment situation, ”the expert said. According to him, the probability of rising unemployment is “very high”.

“Given that we are now in unique demographic conditions, when a very small generation of the 1990s enters the labor market, and a huge generation of post-war baby boomers exit the labor market, then purely statistically there can be no increase in unemployment,” Nazarov objects. . Moreover, it will decrease, “because raising the retirement age, even at the announced pace, only closes the [labor force] deficit by half,” Nazarov said.

Siluanov assured on Thursday that the government is not abandoning "the construction of an insurance pension system" and is also creating "voluntary pension insurance systems." He recalled the concept - a system developed by the Ministry of Finance and the Central Bank and providing for citizens to auto-subscribe for pension contributions, which will increase from 1 to 6% of wages over five years.

Medvedev launched pension reform

Russian Prime Minister Dmitry Medvedev announced an increase in the retirement age. The government proposes to raise the retirement age for men from the current 60 to 65, and for women from 55 to 63. Thus, the last "transition year" will be 2034, when the retirement age for women will reach a new level. From 2019, the retirement age will rise by one year every two years - for example, men born in 1959 and women born in 1964 will receive the right to retire in 2020, namely, at the age of 61 and 56 years respectively.

Pensions will grow faster

The government claims that raising the retirement age is long overdue and all conditions have been created for this. The current retirement age was introduced back in 1956 in the USSR, when the level of medical and social security was at a low level. Raising the retirement age is necessary, according to the Cabinet, for a more rapid growth of the pensions themselves. At the moment, according to Medvedev, pensions are growing by an average of 400-500 rubles a year (in 2016, the growth was 399 rubles, in 2017 - 524 rubles, in 2018 it will be 481 rubles), the reform will increase the growth rate pension provision twice - by a thousand rubles a year. According to the results of 2017, the average pension amounted to 13,620 rubles, so by the time the reform is completed, it can grow by at least 10,000 rubles.

Russia took the example of raising the retirement age from Kazakhstan

The retirement age in Russia is one of the lowest not only in the whole world, but even in comparison with its closest neighbors and countries of the former Soviet Union. For example, in Kazakhstan, the retirement age for men is 63 years, and for women - 58 years, this level was set back in 2001. Moreover, since 2018, the second stage of increase has been going on in Kazakhstan - by 2027, the retirement age for women will rise to the level of men. Belarus began raising the retirement age in 2017 and intends to bring it up to 63 years for men and 58 years for women, it is planned to do this by 2022. For comparison, the retirement age in Norway, which Russia often takes as an example, is 67 for both men and women; in the UK, both sexes retire at 65.

The government will set European pension standards

During the government meeting, the Prime Minister said that the Cabinet intends to raise the issue of ratifying the Convention on Minimum Standards for Social Security. “Its provisions will make it possible to bring the legislative regulation of the pension sphere to international standards. It establishes a clear correlation between the average pension and average earnings,” Dmitry Medvedev said. One of the fundamental principles of the Convention is that the pension must be at least 40 percent of the lost income, that is, the employee's salary.

Pension reform is overdue

As of January 1, 2018, the official population of Russia was 146.9 million people. Of these, 46.5 million people are pensioners, that is, 31.7 percent of the total, while working pensioners, according to official statistics, were 26.4 percent of the total number of pensioners, or 12.3 million people. The authorities insist that more than 50 percent of citizens remain in work upon reaching retirement age. For example, in 2017, 1.45 million people retired, and 0.73 million of them continued to work. The government fears that the proportion of working pensioners will continue to grow, which will prevent the other half from raising their pensions.

When the current pension standards were set for one pensioner, 3.7 people of working age “paid” (paid pension and insurance contributions to social funds) in the pension system. The current demographic situation and trends in the labor market will lead to the fact that by 2019 only two able-bodied people will “pay” for one pensioner - the system may not even be able to cope with payments at the current level.

Current retirees have nothing to fear

Dmitry Medvedev noted during a government meeting that the current pensioners have nothing to worry about. “With regard to current pensioners, no rules are changing,” the prime minister assured. Moreover, retirement age benefits will be maintained. We are talking about citizens who work in hazardous and hazardous industries, women with five or more children, disabled people, Chernobyl survivors and others. For workers in the Far North, the retirement age will be set at 60 and 58, respectively. An additional benefit is provided for citizens with long experience - they will be able to retire two years ahead of schedule. We are talking about women with more than 40 years of experience and men with more than 45 years of experience.

VAT also went up

In addition to raising the retirement age, during a government meeting, it was announced that the value added tax (VAT) would be raised from the current 18 percent to 20 percent. As First Deputy Prime Minister Anton Siluanov noted at the meeting, this measure will make it possible to receive an additional 600 billion rubles in tax revenues per year. “These funds, together with additional income from the completion of the oil and gas maneuver, will be the main sources for financing the national development goals set in the presidential decree of May this year,” Siluanov said. As planned by the government, the tax increase will also allow businesses to participate in raising the pensions of Russians, while without the reform it would not be possible to maintain the current level of insurance premiums paid by businesses - they would have to be increased.

Documents will be sent to the State Duma

According to Medvedev, the law on raising the retirement age and VAT will be sent to the State Duma in the near future. “All draft laws, all accompanying documents should be sent to the State Duma as soon as possible so that our fellow deputies can consider them in the first reading before the end of the spring session. Therefore, I ask all relevant ministers and deputy prime ministers, the government apparatus to deal with this as a priority,” the prime minister demanded. Medvedev, in turn, expressed the hope that the parliament will support the proposed innovations and quickly accept them. After the State Duma and the Federation Council, the documents will be signed by the President of Russia.

Economist. Experience in leadership positions in the manufacturing industry. Date: September 13, 2018. Reading time 6 min.

For 1,000 rubles. will increase payments to non-working pensioners from January 2019, which exceeds the forecast inflation rate. Such dynamics will continue until 2024, i.e., the income level of pensioners will grow every year.

The increase in labor pensions is regulated annually by legislative acts, which are signed in parallel with the adoption of the budget. The fact that the indexation scheme would change dramatically became known in 2018, when in the “May Decrees” No. 204 of 05/07/2018, President Putin V.V. gave a guideline for ensuring sustainable income growth for pensioners until 2024.

The government announced in June the first steps to implement the presidential decree, announcing about., as reported by Tatyana Golikova - Deputy Prime Minister - at a meeting of the trilateral commission.

Quote : "... all the funds that will be received from raising the retirement age ... will be used to ensure the pension system and to increase the pension provision of our citizens," - T. Golikova.

For the first time, pension reform was justified as a tool to ensure the growth of pensioners' income. Later this position was confirmed during the changes in the pension legislation by the Minister of Labor and Social Protection Maxim Topilin. The official confirmed that the relevant changes will be made to the next federal budget and the PFR budget, which will be linked to the new pension bill.

Indexation of pensions

For ordinary citizens, the wording of officials did not reveal the essence of the increase. Questions remained unclear: For 1,000 rubles. Will all pensioners receive an increase in pension from January 2019? Will it be a fixed amount? For what period will the promised thousand be paid?

In fact, the Government had in mind the annual indexation of insurance pensions, which was traditionally held in February. But unlike the recalculations that were made before, the promised increase will not be tied to the actual rate of inflation. Until 2018, inclusive, non-working pensioners were increased payments twice: in February by the planned indicator and in April, based on the results of the past year, namely, by the level of actual inflation.

Indexation in a new way will be carried out, regardless of inflation set at the end of 2018, since the planned increase factor initially exceeds it. This will allow not only to increase insurance payments at a higher rate, but also to postpone the indexation period to the beginning of the year.

Terms of increase

Application for an increase in payments by 1,000 rubles. per month or 12,000 rubles. per year, many pensioners were misled. Is it possible that payments in 2019 will increase monthly by 1,000 rubles, which will increase pensions by 12,000 rubles by the end of the year?

In fact, indexation will be carried out only once - at the beginning of 2019. From January 1, pensioners will receive an increase of 1,000 rubles. benefits throughout the year, which in total will give an increase of 12,000 rubles. by year. The increased pension level, taking into account growth, will remain throughout 2019 until the next indexation, which will be held in January 2020.

The very same 1,000 rubles. was designated by the government as the average amount. Pensions will be indexed by 7.05%, which, based on the size of the average pension, is one thousand.

That is, the average amount of pension payments, amounting to 14.4 thousand rubles, will be increased in January 2019 to 15.4 thousand rubles. Throughout the year, the average pensioner will receive 15.4 thousand rubles. monthly (1 thousand rubles more than in 2018). During the year, his income will increase by the promised 12 thousand rubles.

Such indexations are planned to be carried out annually in January until 2024 inclusive, that is, over 6 years, payments will increase by 1,000 rubles, which will eventually increase pensions from 14 thousand rubles. up to 20 thousand rubles

How much will payouts increase?

The amount of 1,000 rubles. has been designated by the Government as a guideline. Conditionally, the increase was tied to the average pension in Russia.

Note! Before the reform, the average pension increased by 500 rubles.

But the increase will be carried out not in the form of adding a fixed amount, but according to the indexation scheme. That is, a coefficient will be used to calculate the increase.

The promised "increase of 1,000 rubles." - this is 7.05% of the average pension of 14,141 rubles.

This means that pensioners who receive higher payments can expect a substantial increase. For example, those who receive 25,000 rubles will receive an allowance of 1,762.5 rubles, and a security of 40,000 rubles. will increase, respectively, to 42,820 rubles.

However, far from everyone receives retirement pensions above the average level. Therefore, the allowance for many pensioners will not reach the promised 1,000 rubles. So, with payments of 10,000 rubles, only 705 rubles will be added. and a pension of 7,000 rubles. will grow by 493.5 rubles.

To whom in 2019 it is planned to increase the pension by 1000 rubles. per month

"The main beneficiaries of the reform" Labor Minister Topilin called non-working pensioners. This means that the funds received as a result of raising the retirement age will be used to increase payments to this particular category of Russians.

The promised additional payment from January 2019 will be given exclusively to non-working pensioners who receive insurance pension payments.

Russians of retirement age who continue to work will not receive an additional payment. Indexation for this category of pensioners was frozen back in 2016, and no changes are expected in the future. The only thing that working pensioners can count on is by increasing pension points. But the amount of such an additional payment will not exceed 250 rubles, since the amount cannot increase by more than 3 points per year.

In order to receive increased payments, taking into account all the missed indexations, including the recalculation planned for the beginning of 2019, a working pensioner can quit his job and go on a well-deserved rest.

Further increase in pensions

The standard indexing scheme will change completely from 2019. If the recalculation was carried out according to the old standards, in 2019 the surcharge amounted to an average of 570 rubles.

At the end of 2018, the projected inflation rate is about 4%. Despite such indicators, payments will increase by 7%, which will significantly exceed inflation. Therefore, the increase not only compensates for the depreciation of the pension, but also ensures the growth of real income.