Recalculation of pension after the dismissal of a working pensioner
Citizens stop working. After all, if you work even after the right to retire has appeared, you can receive both wages and pension payments.
The financial situation is such that very many citizens find it difficult to live on only one pension, some have to work even at 70 years old.
In addition, there is another important point - the longer a citizen has worked, the higher his payments will then be. However, the recalculation of pensions while a person is working has become inconsistent in recent years - it is sometimes canceled, then returned, then canceled again. Therefore, it is important to understand exactly how the indexation of pensions for working pensioners after dismissal occurs.
The living wage in Russia changes every year. This is due to the fact that currency rates change, prices rise due to inflation, and so on: processes are constantly taking place in the country's economy, and their result, as a rule, is a gradual increase in the cost of living. In order for the payments to be in line with prices, and pensioners to be able to meet their needs, it is necessary to recalculate them - indexation.
Determining how much the payment will increase is within the competence of the state. This coefficient has a certain value. For example, a factor of 1.051 means that they will rise 5.1% to the current level. What exactly should this coefficient be derived from various parameters, basic - inflation and consumer prices.
It is worth noting here that pension payments can be different, but there are two main types into which they can be divided: insurance and social pensions. The insurance one is appointed for, and its size will be determined by how much the employer made contributions for the employee. Social benefits will be paid if a citizen does not have sufficient experience to be paid insurance. The size of the social pension is determined by the subsistence minimum.
In 2016, indexation was not carried out.
Instead, each pensioner received a fixed payment of 5,000 rubles, and therefore many are worried about whether it will continue to be paid at all. As a result, the indexation was returned, but only to ordinary pensioners. But the question of working people is hanging in the air, until recently the government discussed whether to carry out indexation for working pensioners or not.
Indexation of pensions for retired employees
Since the number has grown in recent years, reaching 36% of the total number of all pensioners, it was decided to cancel the indexation. This was seen as a measure to combat the crisis - reducing budget costs. However, being initially a temporary measure, the cancellation of the recalculation of pensions for working pensioners, as it became known, will last at least until 2020 - and one can expect that it will continue as well. As the Minister of Economy Anton Siluanov explained in this regard, the budget for 2017-2019 is “difficult, adaptive,” and therefore it was decided to throw all efforts to support those pensioners who have no other income.
In order to recount again for working pensioners, it is necessary to additionally find in the budget about 200 billion rubles, and the Ministry of Economy has not found acceptable ways to do this. At the same time, the minister is confident that after 2020 such an opportunity will appear, since the state's revenues will increase.
Let's note an important nuance: only indexation is frozen, but this does not apply to social ones. Their amount increases each time in proportion to the increase in the level of the living wage.
And one more thing: despite the absence of a general recalculation, individual adjustments to the amount of pension payments for working pensioners will be provided. In particular, since August 1, 2017, there have been such individual increases. They are small - at most, payments could be raised by 3 pension points, which is equivalent to 222 rubles.
The measures taken have really yielded results, not only in terms of reducing budgetary costs, but also in terms of the declared goal of reducing the share of working pensioners: it decreased at once to 22% - that is, by more than 13%. But how positive this result will be is a big question. After all, it is obvious that if they were left at work, it means that they benefited the country's economy, but now they stopped doing this, which is unlikely to have a positive effect.
Recalculation of pension after dismissal
So we come directly to the main topic of the article - how is the indexation of pensions after dismissal. Its absence for working pensioners often gives rise to worries about whether the indexation will be returned to working pensioners after being laid off. You don't have to worry about this - the legislation provides that after a pensioner, indexation is returned. Any time the recount has been frozen will also be taken into account.
Let's imagine a situation. If a pensioner worked in 2017, then his pension for this year will not be raised as long as he works. At the same time, for all other pensioners, it will be raised by 3.7% from January 1 of next year. If indexation is carried out in the next years, then we already know that a working pensioner will not receive the same allowances.
Imagine that an ordinary pensioner and a working person received 10,000 a month in 2017. Regular in 2018 increased by 3.7%, in 2019 (let's say) by 3.5%, and in 2020 by 3%. This means that in 2020 the pensioner will receive 11,055 rubles. And the working person will continue to receive 10,000. However, if he retires in 2020, then all the changes that have occurred over these three years will be taken into account in payments to him, and they will also be raised to 11,055 rubles. In addition, one should not forget that as long as the citizen continued to work, insurance premiums continued to be paid for him. They will also be taken into account when calculating, which means that in reality the pension will grow even more.
As for dismissal, due to old age, a working pensioner can freely leave at any time, however, it is necessary to notify the employer about this in advance - two weeks before the day of dismissal.
Procedure and term of recalculation
The annual indexation of insurance pensions is carried out at the beginning of February, as for social ones, their increase is carried out in April.
If earlier a resigned citizen was obliged to make a notification about this to the Pension Fund, now there is no need for this - the employer must submit monthly reports. In order to understand when the indexation begins after the dismissal, and from what month the payments in the increased volume will begin, you need to familiarize yourself with how it is carried out.
By the tenth day of each month, the employer must provide information about the working pensioner. Accordingly, the indexation will be performed for the next month, and he will begin to receive payments in an increased amount from the next one. Let us illustrate this with an example: if a pensioner resigned in August, then until September 10, information about this goes to the Pension Fund, October is recounted, and from November the pension will be paid in a new amount.
Additional nuances
The indexation of pensions, carried out upon the dismissal of a working pensioner, also has interesting features that are worth highlighting.
If the citizen subsequently starts working again, then the reverse reduction of the pension will no longer be carried out. That is, if you quit and go through the indexation procedure, then you will be able to work again, but receive already recalculated payments. At the moment, the discrepancy is small, but if ordinary pensions continue to be indexed, but not for working pensioners, then it may become large, and many will do just that - however, by that time, most likely, there will be no such loophole.
There is a threat of suspension for working pensioners - this issue has already been considered by the Government, but was postponed. Nevertheless, they can still return to it. First of all, it is supposed to cancel for citizens with high income - from 1 million rubles per year.
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