While a person is still young, the state old-age allowance, that is, a pension, does not bother him much. But as the critical age approaches, everyone becomes interested in how and what kind of pension he will receive.
It is no secret that the official length of service, confirmed by entries in the work book, may be clearly insufficient for the appointment of a pension. In today's conditions, many work unofficially, therefore, this period does not give the right to receive a pension.
The present scheme for calculating the pension
To retire today, it is enough to have an official work experience of at least five years. However, this state of affairs does not suit the RF Government. To receive old-age benefits, it was previously necessary to have 20 years of experience for a woman and 25 years for a man, and they were entitled to a pension in the amount of 55% of the earnings that preceded their retirement. If the length of service was more, every year he gave 1% to the assigned allowance, but it was limited to a ceiling of 75%. Thus, hardworking people were clearly infringed upon in comparison with those who were in no hurry to work.
Today, seniority is taken into account, but at a minimum, the deductions of insurance contributions and the number of years in which the unified social tax was paid are of greater importance. And if five such years are recruited, the citizen is given the right to receive a pension. At the same time, the necessary five-year plan can not be fully worked, a woman can include in these five years of leave to care for two children, one and a half years for each, and a man can take advantage of years of service in the armed forces.
Planned changes for the appointment of a pension
In the new pension legislation, it is planned to raise the number of years of compulsory seniority to 10. The seniority itself becomes insignificant, the years in which the insurance premiums were paid are taken as the basis. The more there are, the higher the pension will be. From 2015, it is planned to create a new procedure for obtaining pension rights by citizens. The role of seniority should increase, it will be taken into account when calculating benefits.
The difference from the current system will be the following: the amount of insurance premiums. Today, the main thing is the amount of paid contributions, but this is not entirely fair. Some people who have little experience with a huge salary, and, accordingly, high insurance pension payments, receive the same pension as people who have worked all their lives, but did not have a huge salary.
Today, if even five years of experience is not available, a person applies for a social pension. Achievement by a woman of 60 years and a man - 65, gives them such a right. Let the pension be insignificant, but the regional supplement to the subsistence level will equalize it with the pension of the person who has honestly worked for over 30 years. Therefore, starting from 2015 and until 2025, the authorities plan to raise the mandatory length of service to 15 years, adding every year for a year.
