Presentation on the topic of old-age insurance pensions. Presentation on the topic "early insurance pensions in connection with work in special climatic conditions." Pension system in the Russian Federation

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All about future retirement Pension literacy lesson (oral journal)

Thinking about the future, I understand that it is coming quite quickly. Albert Einstein

The Government of the Russian Federation has decided to carry out pension reform in Russia. Its goal is the formation of a multi-level pension system to improve the pension provision of citizens. In 2001, a new model of the pension system was introduced, which included compulsory pension insurance, state pension provision and additional non-state pension insurance.

A pension is a guaranteed monthly payment to provide for citizens in old age in the event of complete or partial disability, loss of a breadwinner, as well as in connection with the achievement of an established length of service in certain areas of work.

Work only where they pay a “white” salary

The greater the amount of contributions recorded in your individual personal account with the Pension Fund, the greater the pension will be. Therefore, it is important to receive an official, or, as it is called, “white” salary. It is from the “white” salary that policyholders pay contributions to the Pension Fund of the Russian Federation. It is necessary to avoid employers who evade paying taxes and contributions or give salaries “in an envelope”.

Control whether the employer pays contributions to the Pension Fund

Remember that periods of work when contributions are not calculated for you are not included in the insurance period required to assign a pension. To qualify for a pension, you must have at least five years of insurance experience.

How to increase your future pension

Carefully study the statement of the status of your individual personal account with the Pension Fund of Russia

After you become a participant in the OPS system and start working, every year you will receive an information letter from the Pension Fund of the Russian Federation, or you will be able to receive information about your individual personal account in the Pension Fund yourself through the Internet portal of government services.

How to increase your future pension

Choose a management company or non-state pension fund wisely

Do not forget to monitor the work of the management company or non-state pension fund you have chosen. Information about the results of investing pension savings by the management company you have chosen is indicated in the statement about the status of your personal insurance account. If you once transferred your pension savings to a non-state pension fund, then expect a letter from him with information about the results of the investment.

How to increase your future pension

Don't rush into retirement.

The longer you work after reaching the generally established retirement age and do not apply for a pension, the higher its size will subsequently be. From 2036, the established fixed basic amount of the insurance part of the pension will increase by 6% for each full year of service exceeding 30 years for men and 25 years for women.

check yourself

1. The insurer for compulsory pension insurance is:

A) insurance agent.

B) Pension Fund of the Russian Federation.

B) management company.

check yourself

2. Upon registration in the compulsory pension insurance system, each citizen receives:

A) bright future.

B) the possibility of free travel.

B) individual personal account

check yourself

3. After registration in the compulsory pension insurance system, each citizen receives:

A) pension license.

B) insurance certificate.

B) pension certificate

check yourself

4. An old-age pension is established on a general basis upon reaching the age of:

A) women – 55 years old, men – 60 years old.

B) women – 57 years old, men – 62 years old

C) women – 75 years old, men – 85 years old.

check yourself

5. Contributions to compulsory pension insurance are paid by:

And parents;

B) insurance company;

B) employer.

check yourself

6. Minimum length of service required to establish an old-age pension

these in old age:

A) 1 month;

What your pension will be depends on you!

List of sources used
1. Federal Law of December 15, 2001 No. 167 - Federal Law (as amended on December 31, 2002) “On compulsory pension insurance in the Russian Federation” (adopted by the State Duma of the Federal Assembly of the Russian Federation on November 30, 2001)
3. Decree of the Government of the Russian Federation of July 24, 2002 No. 555 “On approval of the Rules for calculating and confirming the insurance period for establishing labor pensions.”
4.www.pfrf.ru

Completed:
st-nt gr. 462 Ochirova V.V.
Credit Book No. 4621614
Checked by: Selikhov E.A.

The concept of old-age pension

Labor old-age pension is
lifelong
monthly
payment assigned on account
funds of the Pension Fund of the Russian Federation and
serving as the main source
means of subsistence for persons
who have reached
established
the law of age and having
required work experience.

Types of labor pensions:

By old age;
For disability;
On the occasion of the loss of a breadwinner
Old age and disability pensions consist of three parts:
basic, insurance and savings.
Survivor's pension and two: basic and
insurance.

Amount of old-age labor pension

Pension amount
Cumulative
Part
The cumulative part depends on:
- pension contributions
-depending on the salary
- from work experience
Insurance
Part
The insurance part depends on the payments,
who will pay for you
the organization you are in
work (at the rate of 26%
annual salary fund), and
also from yourself.
Basic part - state old age benefit and
loss of income in the form of wages, assigned
to all those insured in the state system
pension
provision
By
achieving
them
retirement age. (+at least 5 insurance years)

The size of the basic part of the labor pension

The size of the basic part of the old-age labor pension
determined directly by the Law on Labor Pensions in
in the amount of 450 rubles per month (Article 14). However, for
In some categories, the basic part of the pension increases. So
persons aged 80 years and older and disabled people with
limited ability to work 3 degrees,
the basic part is 900 rubles. (in accordance with Federal Law No. 17
December 2001 N 173-FZ "On labor pensions in the Russian
Federation ")
The size of the old-age labor pension is determined by
formula:
P=BC+MF+LF

P - the size of the old-age labor pension;
BC - the basic part of the old-age labor pension (clause 14(1) of this article);
SC - the insurance part of the old-age labor pension (clause 5
this article);
NC - the cumulative part of the old-age labor pension (clause
9 of this article).
Federal Law of November 29, 2003 N 154-FZ in article
15 of this Federal Law has been amended,
effective from January 1, 2004

The size of the funded part of the labor pension.

Cumulative part of labor pension

pensioner in a special account.
Cumulative part of labor pension
represents funds accumulated
pensioner in a special account. At
In this case, the insurance component is the amount
guaranteed basic payments, as well as
savings,
collected
on
individual insurance account. Basic
part of the payments is guaranteed
legislatively. When calculating the size
payments
produced
calculus
work experience for pension.
The size of the accumulative part of the labor
old age pension is determined by
formula:
LF = Mon/T

LF - the size of the funded part of the labor pension;
PN - the amount of pension savings of the insured person,
taken into account in the special part of his individual facial
account as of the day from which he is assigned
the funded part of the old-age labor pension;
T - number of months of the expected period of labor payment
old age pension used to calculate funded
part of the specified pension, determined in the manner established
federal law.

Insurance part of the old-age labor pension (Article 14)

Federal Law “On Labor Pensions” No. 173 of 2001 provides
that the amount of the insurance component of the pension will be determined in
according to the formula:
Insurance part = PK/T + B
It should be taken into account that:
PC – pension capital;
T - the number of months during which payment is expected;
B - fixed component. (insurance experience 19 years)

Package of documents provided for applying for an old-age insurance pension:

application for a pension;
citizens of the country are required to present
passport, foreigners need to attach
resident card;
SNILS;
document,
speaker
period of service;
confirmation
documents as confirmation of the deadline
labor activity. They should
contain passport data of the citizen,
date
issuance,
grounds
For
issuance.
Additionally
can
required
documents issued by the employer when
dismissal of an employee;
certificate of earnings for 2000-2001 or 60
months in a row.

General grounds determining the right to an old-age pension

Law of the Russian Federation "On state pensions in the Russian Federation"
provides general and preferential grounds for
receiving an old-age pension.
The second necessary element of a complex legal
composition determining the right to a labor pension according to
old age is the total length of service (TS).
(insurance
experience
Not
less
5
years).

On a general basis, a labor pension is assigned:
for men - upon reaching 60 years of age, with a general
work experience of at least 25 years; women - by
reaching 55 years of age and with no total work experience
less than 20 years. (in accordance with Federal Law
dated December 17, 2001 N 173-FZ "On labor pensions in
Russian Federation" (as amended on July 25, 31
December 2002, November 29, 2003)

The periods included in the TTS on the basis of current legislation are discussed in paragraph 7.2. According to the authors of the pension reform, t

Periods included in the TTS based on the current
legislation are discussed in paragraph 7.2. By design
authors of the pension reform, the labor pension should be
freed from functions unusual for it. During the reform
it is planned to establish compliance with the terms of provision and
the size of labor pensions the volume of participation in social
insurance
everyone
specific
faces
With
taking into account
duration of payment and amount of insurance premiums.
The length of service requirements for labor pensions will be related to
period for payment of insurance premiums. And the labor pension will be
count
proportionally
insurance
length of service

Old age pensions assigned at preferential rates
conditions are differentiated depending on whether
what is the basis for providing benefits:
special working conditions associated with danger,
harmfulness or severity (v. 12); medical-biological and social factors (maternity,
raising a disabled child, health status; Art.
eleven); climatic conditions of life and work (Article 14).

Article 11 of the Law of November 20, 1990 Grants the right to a preferential old-age pension to:

1. Women who have given birth to five or more children (disabled
childhood), who raised them until the age of eight.
An old-age pension is awarded when a woman reaches
50 years old and if she has a total work experience not
less than 15 years.
2. Benefits when assigning a pension are also provided to
women who adopted children before they reached
eight years of age;
3. Disabled people of the Patriotic War and other disabled people,
equal to them in relation to pension
provision (men at 55 years old and women at 50 years old and
if they have a total work experience of 25 and 20 years;
4.Citizens,
sick
pituitary
dwarfism (midgets), disproportionate dwarfs.
Old-age pension is granted to men upon reaching
45 years old (20 years of experience), for women - upon reaching 40 years old
(at least 15 years of experience)

Conclusion.

Pension provision remains among the main social
guarantees for Russian citizens, and the pension system of the Russian Federation represents
is a multi-tier complex of government social bodies
protection responsible for the appointment and payment of pensions and bodies
Pension Fund of Russia (PFRF).

Ways to increase your future pension

Leave funds in the Pension Fund of the Russian Federation by selecting
investing
(multiplication)
private manager
company (CHUK);
Leave funds in the Pension Fund of the Russian Federation by selecting
investment state management company
(GUK);
Transfer your savings to a non-state pension fund
fund (NPF);
Accept
participation
V
pension co-financing
program
stateGet a job with a “white”
(official) salary
Control
pension
employer
payment
contributions
Take your choice seriously
private management companies and
non-state funds
Track
programs
pension co-financing.

Early insurance pensions in connection with work in special climatic conditions

Relevance, object, subject The relevance of the research topic lies in both the social, economic and legal aspects of the problem of pension provision for citizens in connection with work in special climatic conditions. The object of the study is legal relations related to the appointment of an early insurance pension in connection with work in special climatic conditions and labor regulation of the Far North. The subject of this work is the specifics of the purpose of calculation and payment of early insurance pensions in connection with climatic conditions.

Purpose and objectives The purpose of the presentation is to consider the problems of pension provision within the framework of early insurance pensions in special climatic conditions. Objectives: analyze the types of insurance pensions and early pensions; characterize the legal regulation of the appointment of early insurance pensions in connection with work in special climatic conditions; analyze recalculation, indexation, payment of early pensions.

General theoretical foundations In this work, we analyzed specific legal aspects related to the process of assigning an early insurance pension in connection with special climatic conditions.

Concept and types of early pensions Early pension provision is material support provided before reaching the generally established retirement age, the basis of which is: work performed under special working conditions, in certain positions, work performed in special climatic conditions, as well as social conditions and health status citizens.

Regulatory legal sources In the course of the study, the author used the following regulatory legal acts: Fundamental: Constitution of the Russian Federation Federal Law N 400-FZ “On Insurance Pensions”; Federal Law N 166-FZ “On state pension provision in the Russian Federation”. Auxiliary: Labor Code, Chapter 50; Federal Law N 78-FZ “On the fundamentals of state regulation of socio-economic development of the North of the Russian Federation”; Law of the Russian Federation N 4520-1 “On state guarantees and compensation for persons working and living in the regions of the Far North and equivalent areas”; Local Northern Law TAO N 158-OKZ “On reindeer husbandry”; Resolution of the USSR Council of Ministers No. 12 “On introducing amendments and additions to the List of regions of the Far North and localities equated to regions of the Far North, approved by the Resolution of the Council of Ministers of the USSR.”

Regional coefficients Regional coefficients for the wages of workers in non-production industries in the regions of the Far North and equivalent areas (examples): Region of the Far North Units of the regional coefficient Chukotka Autonomous Okrug 2.0 Lensky District 1.8 Norilsk City 1.7 Srednekolymsky District 1.6

Assignment and payment of early insurance pensions in connection with unfavorable climatic conditions Basic conditions: Citizens who have worked for at least 15 calendar years in the Far North or at least 20 calendar years in areas equivalent to them, and who have an insurance record of at least 25 years for men and at least 20 years for women. Early retirement is assigned at 55 and 50 years for men and women, respectively. The formula for calculating the insurance pension SP = IPC*SIPC + FV SP – insurance pension. IPC is the sum of all pension points accrued on the date of assignment of an insurance pension to a citizen (Each pensioner has his own individual coefficient). SIPC is the value of a pension point (as of February 1, 2015, equal to 71.41 rubles, set annually and increased by the state at a level not lower than inflation in the previous year). FV - Amount of fixed payment (As of February 1, 2015, equal to 4,383.59 rubles, increased annually by the state).

Conditions for assigning an old-age insurance pension.

Problems of implementing pension provision in the Far North 1) Non-compliance with labor and social rights and guarantees of northerners. Based on the materials of parliamentary hearings, many violations of the norms regulated by the Labor Code of the Russian Federation and Law N 4520-1 in particular were revealed; 2) The threat of a demographic crisis. According to the UN classification, a population is considered old if the proportion of people aged 65 years and older exceeds 7 percent. For example, in Kamchatka, currently 6 percent of the population is at this age, which indicates that the number of young people is rapidly falling; 3) Social burden on the regions of the North. The lack of employment of qualified personnel and, as a consequence, the degradation of the economy of the Northern region leads to a budget deficit of the Pension Fund of Russia, which gives rise to a decline in the social level of provision for citizens of the Far North.

According to Rosstat, as of 2011, 18 percent of people under working age live in the Kamchatka region, while 10 years ago there were 24 percent. Over the same period of time, the share of the population of retirement age increased by more than 1.5 times. The share of pension recipients in the region amounted to 24 percent of the total population and increased by 7 percent over the past 10 years.

Conclusion Early insurance pensions are assigned in connection with working conditions characterized by danger, severity, harmfulness, intensity, tension. In addition, the right to an early insurance pension is granted in connection with working and living in areas with unfavorable natural and climatic conditions. Legislation is still not able to fully implement the domestic principles of social justice of man and citizen. Decrease in insurance proceeds due to employer's labor contributions to the Pension Fund = Decrease in pensions of all citizens living in a given region

Recommendations - Develop regulatory legal acts aimed at attracting qualified personnel to work in northern conditions - Reduce the social burden in the Far North by stimulating the departure of pensioners, disabled people and the unemployed, giving them their proper place in the system of labor and social legislation.

Thank you for your attention!

Pension is a monthly cash payment in order to compensate citizens for wages or other income that the insured persons received before the establishment of their labor pension or that disabled family members of the insured persons lost due to the death of these persons; the right to receive a pension is determined in accordance with the conditions and norms established by law.

The following have the right to a labor pension: citizens of the Russian Federation insured in accordance with the Federal Law “On Compulsory Pension Insurance in the Russian Federation”; Disabled family members of insured citizens of the Russian Federation have the right to a labor pension in the event of the loss of a breadwinner. Disabled family members of a deceased breadwinner have the right to work if they were dependent on him. The family of an unknown breadwinner is equated to the family of a deceased breadwinner if the unknown absence of the breadwinner is certified in the prescribed manner; foreign citizens and stateless persons permanently residing in the Russian Federation, except for cases established by federal law or an international treaty of the Russian Federation.

The following types of labor pensions are established in the Russian Federation: old-age labor pension; disability labor pension; labor pension in case of loss of a breadwinner. An old-age labor pension and a labor disability pension may consist of the following parts: a basic part; insurance part; storage part. The labor pension in case of loss of a breadwinner consists of the following parts: the basic part; insurance part.

Citizens who for some reason do not have the right to a labor pension are provided with a social pension. Citizens entitled to simultaneously receive various types of labor pensions are assigned one pension of their choice. An application for a labor pension (part of a labor pension) can be made at any time after the right to a labor pension (part of a labor pension) arises, without any time limit.

Deductions from labor pensions are made on the basis of: executive documents; decisions of bodies providing pension provision on the recovery of labor pensions overpaid to a pensioner in connection with a violation of clause 4 of Art. 23 of this Federal Law; court decisions on the recovery of labor pensions due to abuses on the part of a pensioner established in court. Deductions are made in an amount calculated from the amount of the established labor pension.

No more than 50% can be withheld, and in cases established by the legislation of the Russian Federation, no more than 70% of the labor pension. Deductions based on decisions of the bodies providing pensions are made in an amount not exceeding 20% of the labor pension. In the event of termination of payment of a labor pension before full repayment of the debt on overpaid amounts of the said pension, withheld on the basis of decisions of the bodies providing pensions, the remaining debt is collected in court. If not all parts of the labor pension have been established for a person, then deductions from the labor pension are made from the established parts of this pension.

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