Payments to pensioners in 2020 - latest news


How will the amount of pension payments change in 2020?

From January 2020, a new law No. 350-FZ comes into force, according to which a new pension reform will start in Russia. The list of main changes includes a gradual increase in the retirement age for men up to 65 years old, women up to 60 years old and a new approach to the indexation of pension payments.

Pensions for working pensioners will be increased from August 1 without a request, taking into account the pension points earned in 2020 (by law, no more than three).

The amount of the bonus will be about 261.72 rubles, since the cost of a pension point in 2020 will be 87.24 rubles.

Indexation of pensions for non-working pensioners will occur at different times. The date depends on the type of payment:

  • insurance – January 1, 2020;
  • social – April 1, 2020;
  • state - April 1, 2020 (since their size is calculated as a percentage of the calculated value, which is the social minimum old-age pension).

Pension increase schedule

Indexation of insurance pensions

The amount of a citizen’s insurance pension consists of a fixed payment (FP) and an insurance part. For those who formed the funded part of the pension, additional funds from the accumulated savings are added. The PV and the value of the pension point, which is used when calculating the insurance part, are subject to annual indexation.

Until 2020, when increasing pensions, the inflation rate for the previous year was taken into account. From January, insurance pension payments will grow at a faster pace.

The pension increase will take place from January 1.

The indexation percentage is determined in advance by the Government:

  • 2019 – 7.05%;
  • 2020 – 6.60%;
  • 2021 – 6.30%.

Supplement to pensions for rural residents

Pensioners who are former employees of the agro-industrial complex will be able to receive a new bonus from the federal budget. It will be accrued on the basis of the application submitted by the citizen and documents confirming work experience in agriculture.

The amount of additional payment will be 25% of the basic PV.

The bonus will begin to be accrued from January 2020 until 2025, after which the issue of the feasibility of establishing an increase in the pension will again be brought up for discussion. The list of applicants for additional payment includes only pensioners - recipients of an insurance pension who meet all of the following criteria:

  • have worked in the agricultural sector for at least 30 years;
  • permanently live in rural areas;
  • have reached the established retirement age;
  • stopped working.

New amounts of pension payments after indexation in 2020: table

Below we present the new payment amounts after the indicated indexations in 2020. See comparison table.

PayIndexation, %Size, rub.
in 2020in 2020
Cost of 1 IPC7,0581,4987,24
Fixed payment amount4982,905334,19
Average annual old-age insurance pension1441415430
NSO3,11075,191108,52
Funeral benefit5701,315878,05
Social old age pensions0,45240,655261,61

Social supplement to pension

In general, the cost of living for a pensioner is established throughout the country and in each region separately. This is the amount of income expressed in rubles that is necessary for human life. The size is established by Decree of the Government of the Russian Federation or region.

The basis for calculating the amount is the consumer basket, which includes a set of certain products, industrial goods, some services and payments - the minimum necessary for a pensioner.

The federal value of PMP in 2020 will be 8,846 rubles. Each subject sets its own minimum, which can be greater, less or equal to the national value. If a pensioner’s income is below the regional level, the elderly person is entitled to an allowance from the federal or regional budget.

Federal

An additional payment to the pension is assigned if the cost of living in the region does not reach the federal level. Compensation for pensioners is provided from the state budget through the Pension Fund and is paid simultaneously with the pension. The calculation of the additional payment is carried out on a non-declaration basis, taking into account the data available in the Pension Fund.

Regional

The assignment of a regional social payment to a pensioner is provided if the PMP established for the subject in which the elderly person lives exceeds the federal value. The calculation takes place on a non-declaration basis, but unlike the federal pension increase, the money is allocated from the regional budget and accrued to the pensioner through the social security authorities.

Banknotes and coins

City supplement for non-working pensioners in Moscow

Residents of the capital receive an additional payment from the city budget. For those pensioners who have lived in Moscow for less than 10 years, the amount of the pension, taking into account the increase, should not be less than 12,115 rubles - the cost of living of a Muscovite pensioner. Those who have lived in the capital for more than 10 years are assigned a gubernatorial pension supplement up to the level of the city social standard. The amount is 17,500 rubles.

  • Recipes for the most delicious winter zucchini preparations
  • Hot grid pension in Russia - who is entitled to it and how to calculate it
  • Calorie content of boiled buckwheat

Indexation of insurance pensions in 2020. Table

From January 1, 2020, the insurance pensions of non-working pensioners were increased by one thousand rubles, promised by the Government of the Russian Federation when initiating an increase in the retirement age. The pension fund explained on its website what this means for each pensioner.

Of course, not everyone will start receiving one thousand rubles a month more in January compared to last year. This is an average figure; it directly affected only the size of the average pension in the country. After the January indexation of pensions by 7.05% - an increase in the fixed payment to 5,334.2 rubles and the value of the pension point to 87.24 rubles - the average pension in Russia is 15,400 rubles.

Thus, whoever received a pension 2 times less than the average will remain at this level. And vice versa. Everyone received the same increase in percentage terms, but the actual difference in increases goes beyond the same thousand rubles.

For clarity, the Pension Fund of the Russian Federation has published a table that shows who can count on what after the indexation of pensions of non-working pensioners from January 1, 2020:

Indexation of insurance pensions in 2020. Table
You can more accurately calculate the size of your pension in 2020 using a calculator. To do this, you need to multiply the insurance pension payment for December last year by 0.0705 - this will give you the size of the increase. The amount of last year’s pension and increase will be the real income that a non-working pensioner can count on in 2020.

For example, let’s take the disability insurance pension of citizen A. Ivanova. Last year, the postman brought her 9,561 rubles a month. We multiply 9,561 by 0.0705 and get the amount of increase in A. Ivanova’s pension in 2020 - 674.05 rubles (rounded to the nearest kopeck). We add up 9,561 and 674.05 and see how A. Ivanova’s well-being has increased: in 2020, her pension amount is 10,235.05 rubles.

Subscribe to our newsletter

Yandex.Zen VKontakte Telegram

In 2020, the Pension Fund transferred citizen I. Petrov a labor pension in the amount of 24,999 rubles to his MIR card. We solve a simple problem and get I. Petrov’s pension income in 2020: 24,999 + (24,999 × 0.0705) = 26,761.43 rubles. The increase amounted to 1,762.43 rubles.

This is what the first results of the pension reform, initiated by the government to improve the well-being of Russian pensioners, look like in practice. A smaller increase in insurance pensions is envisaged for future years: by 6.6% in 2020 and 6.3% in 2021. If everything goes according to the plans of the reformers, then in 2024 the average size of insurance pensions in Russia will be 20,000 rubles.

***

You will also be interested in reading the materials that we wrote specifically for our Zen channel.

You can find more complete information on the topic in ConsultantPlus. Full and free access to the system for 2 days.

Monthly payments (MPV) to certain categories of citizens

To receive a monthly cash payment, a pensioner must contact the Pension Fund in person or through a legal representative (a power of attorney is required). It is possible to submit an application through your personal account on the fund’s website.

The payment amount is reviewed annually, and each category of applicant has its own EDV amount (from several hundred to several tens of rubles).

Payments are made only to federal beneficiaries. There are more than 60 categories in the list. The main ones:

  • veterans;
  • disabled people;
  • former minor prisoners of fascism;
  • persons affected by radiation;
  • Heroes of Russia and the USSR;
  • full holders of the Order of Glory;
  • Heroes of Socialist Labor;
  • Heroes of Labor of the Russian Federation;
  • full holders of the Order of Labor Glory;
  • spouses, parents, children under 18 years of age (students and students up to 23 years of age when studying full-time) of deceased or deceased Heroes of the USSR and the Russian Federation, full holders of the Order of Glory.

Social assistance for disabled people

The monthly supplement to the pension for disabled people depends on the established group. The amount of EDV is:

  • 1 group – 3,626.98 rubles;
  • Group 2 – 2,590.24 rubles;
  • Group 3 – 2,073.51 rub.

The list of benefits for disabled people of the Great Patriotic War includes another allowance - additional monthly material support (DEMO). It is appointed on an application basis. The amount of financial support is 1 thousand rubles. Widows of disabled veterans receive DEMO in the amount of 500 rubles.

Through the Pension Fund, an elderly person with 1st group of disability is entitled to a compensation payment for care, the amount of which is 1.2 thousand rubles.

The pensioner receives it, but it is intended for the caregiver. The disabled person pays it himself when the carer performs his duties.

Elderly woman and health worker

Supplement to survivor's pension

Disabled citizens who were dependent are not accrued any additional payments or pension supplements upon the death of the breadwinner. They have the right to receive a loss pension, which can be of several types:

  • insurance (if the deceased had insurance experience);
  • state (if the deceased was a military man, an astronaut, or suffered as a result of radiation or man-made disasters);
  • social (if the breadwinner was not officially employed).

For dependents

The list of additional payments for pensioners in 2020 includes an allowance for dependents. It is accrued to recipients of an insurance pension if the citizen is supported by disabled persons. The additional payment is assigned for a maximum of three people and is calculated based on the basic amount of the PV (5,534.19 rubles) even for those who have reached the age of 80. In 2020, the pension subsidy for non-working pensioners is:

  • for 1 dependent – ​​1/3FV (RUB 1,778.06);
  • for 2 – 2/3FV (3,556.12 rubles);
  • for 3 – 1FV (5,534.19 rubles).

To register, you must contact the territorial branch of the Pension Fund of Russia with an application and supporting documents. The maximum time for making a decision is 10 working days. Payments to pensioners are assigned from the date of application and are accrued monthly along with the pension.

How much will pension indexation be in 2019?

This year, the amount of payments will also be increased. It may not be a very large premium, but for most older people even such premiums play a key role.

How much will pension indexation be in 2020?

In the coming year, it is planned to add a premium in the form of indexation. The average amount of the supplement will be about a thousand rubles per month.

Elena Smirnova

Pension lawyer, ready to answer your questions.

Ask me a question

Indexation of pensions from January 1, 2020 will affect only those pensioners who are retired or no longer working .

Now let's look specifically at percentage allowances for certain types of payments.

Increase in insurance payment7.05%
Increasing social payments by the pension fund3.1%
Increase in social payments from January 1 of this year2.4%

Table with allowances for 2020

2018Increase2019
Price 1 p. point81.49 rub.7.05%87.24 rub.
Established payments to the insurance pension4982.90 rub.7.05%5334.19 rub.
Average old age benefits14.4 rub.1000 rub.15.4 rub.

For non-working pensioners

Indexation will concern only that part of people who have already stopped working - namely, non-working pensioners.

These individuals include the following:

  • People who retired due to age and receive an old-age pension;
  • Disabled people who have insurance experience (the presence of a disability group does not play any role in this matter);
  • Persons who have lost their breadwinner and receive a pension.

Good to know! Citizens who receive state and social pensions will not receive the assigned indexation for pensioners at the beginning of the current year. These individuals are guaranteed to receive it only in early April.

For working pensioners

For those pensioners who continue to work, indexation is not provided . This decision is due to the fact that pensioners, while retired and receiving old-age pension payments, also carry out working activities. At the same time, they have additional income, a kind of increase.

For this reason, according to the authorities, such people do not need indexing. But officials do not understand that this decision to stay working is not because they want to earn more money, but because they simply do not have enough payments to live normally. So you shouldn’t expect any changes in 2020 regarding indexation for working older people.

Set of social services

Pensioners from the list of EDV recipients have the right to an additional benefit - a set of social services (NSS). The applicant independently decides whether to receive the entire set in kind or monetary compensation for one or more services. The total cost of NSO is 1,075.19 rubles. Compensation for individual services is equal to:

  • receipt of medicines and medical supplies - 828.14 rubles;
  • issuance of a voucher for sanatorium treatment – ​​128.11 rubles;
  • travel to the place of treatment and back – 118.94 rubles.

Supplement to pension for children in 2020

If retirement occurred before January 1, 2020 or later, but the pensioner did not provide information about children to the PRF, it is possible to receive an additional supplement due to the recalculation of pension points. The duration of maternity leave is taken into account (the time spent caring for the baby from birth to one and a half years). For one year the following is charged:

  • for the first - 1.8 points (157.03 rubles);
  • for the second - 3.6 points (314.06 rubles);
  • for the third - 5.4 points (471.09 rubles).

To assign an additional payment, you need to contact the Pension Fund, where you fill out an application using a special form. You should add to it an identity card, SNILS and a birth certificate for each child. Parents are not entitled to claim payments if their children were fully supported by the state.

Indexation of insurance and social pensions in Russia - indexation calendar for 2020

Planned indexations for 2020 for all categories of pensioners are being considered by the Government. The project has not yet been approved, but it is already clear that next year it is planned to carry out several indexations of pension payments, which are carried out annually. These include the indexation of pensions: insurance - in February, social - in April, for working citizens - in August.

In 2020, this scheme was slightly adjusted. Insurance pensions were raised not in February, but on January 1. In 2020 the situation will repeat.

Let's list how - and by how much - pensions will rise.

Preliminary indexation calendar for 2019
Type of payment Indexation due date Percentage increase
Insurance pension From January 1, 2020 7,05%
Social payments (funeral allowance, EDV, NSU, etc.) From February 1, 2020 3,1%
Social pension From April 1, 2020 2,4%

Thus, the country’s budget includes an increase in pensions in 2019 by 7.05%. And in 2020 and 2021, indexation of pension benefits is planned to be carried out at 6.6% and 6.3%. How will pension payments change? Most likely, they will increase, but not by much.

As for indexation for working pensioners, there will be no indexation in 2019. But there will be an annual recalculation. Read about the latest news for working pensioners in this article

Travel payments

Russian legislation stipulates that federal beneficiaries have the right to free travel upon presentation of the appropriate identification. The benefit applies to public transport, which includes trams, trolleybuses, metro, buses and commuter trains. On long-distance trains free travel is provided:

  • Twice a year for personal needs and once to the place of treatment and back - to Heroes of Russia and the USSR, full holders of the Order of Glory of three degrees.
  • Once a year - full holders of the Order of Labor Glory, Heroes of Socialist Labor, persons awarded the Order "For Service in the Armed Forces of the USSR" of three degrees.

In order to take advantage of the benefit, they need to go to the ticket office of the railway station and provide an order book (Hero book, sheet of coupons) and a certificate confirming the availability of the benefit. Free travel is allowed on trains and carriages of all categories.

Regional and local authorities may establish additional lists of beneficiaries who are entitled to use public transport free of charge. Thus, for pensioners in Moscow and the region, if they have an issued social card, they are provided with free travel on public transport, including on trains within the Moscow region and adjacent regions.

Pensioners - residents of the northern regions have the right to preferential holidays. They are provided with free travel to the vacation destination (only in Russia!) once every 2 years.

To receive compensation, you must contact the social security authorities and provide a travel document. This can be done before or after the trip.

Airplane tickets (economy class), bus, river transport (category 3 cabin) are subject to compensation. If you plan to go on vacation in your own car, you must bring a certificate of the cost of travel in a reserved seat car to social security. You can obtain the document at the station information desk.

  • Vitamins for men to improve potency
  • How the elderly are deceived on the Internet
  • 4 ways to save on car ownership

People in a train carriage

Supplements to pensions for length of service

In 2020, federal legislation does not provide additional preferences for long work experience. At the same time, citizens who have received a “veteran of labor” certificate are awarded an additional payment to their pension. The title is assigned in accordance with regional legislation. The exact list of documents and conditions for increasing your pension by calculating additional payments must be obtained from the social security authorities at your place of residence.

Thus, in the capital, financial assistance amounts to 1 thousand rubles. You can apply for it on the website of the mayor of Moscow or through. The following may apply for additional payment:

  • Men with at least 40 years of work experience and women with at least 35 years of work experience, if they began working during the Second World War as minors.
  • Men with 25 years of insurance or service and women with 20 years of service (service) who have been awarded orders, medals and titles for selfless work.

Civil servant

In 2020, to qualify for a pension, federal government employees must have 16 and a half years of service. For each year above this value, the recipient is entitled to an increase in pension by 3%, calculated from average monthly earnings. The total amount of payments (pension and additional payments) cannot exceed 75% of the average monthly earnings.

For citizens living in difficult climatic conditions, the pension (excluding surcharges) is increased by the regional coefficient. It is determined not depending on the subject of the Federation, but for each locality or territory.

Military personnel and law enforcement officers

To grant a pension to military personnel and representatives of other law enforcement agencies, they must have at least 20 years of pure service or at least 25 years of mixed service, 12 and a half of which must be given to military service. For each year of service in excess of this standard, the pension is increased by:

  • 3% of salary with pure military experience;
  • 1% of salary for mixed length of service.

Pension certificate, shoulder straps and money

How many indexations are planned for 2020

Back in the summer of 2020, some officials pointed to double indexation of pensions in 2020. And therefore, many are interested in what month of 2020 pensions will be increased for the second time. To answer this question, let’s break down all the pension increases planned by the authorities.

  1. January 2020 – old age/service insurance pensions for non-working pensioners.
  2. February 2020 – increase in social support from the Pension Fund of Russia, that is, indexation of the daily wage, funeral benefits, NSO.
  3. April 2020 – social pensions.
  4. August 2020 – recalculation (correction) of pensions for the working category of pensioners.

As can be seen from the list, there is no talk of double indexing. Let's look at each indexing option in a little more detail.

Additional payments to northerners

Persons living in difficult climatic conditions or having a certain number of years of special experience are entitled to additional benefits and surcharges. The size and conditions for receiving an increase in pension are influenced by different criteria:

  • For permanent residence in the regions of the Far North (RKS) and equivalent territories (TKS), the fixed payment and increases to it increase by the regional coefficient. When moving to another area, the coefficient is recalculated or cancelled.
  • Pensioners with a total length of service of at least 25 years (men) and 20 (women), 15 of which they worked in the RKS, receive an additional payment of 50% to the basic fixed payment (RUB 5,334.19). When moving to another area, the benefit remains the same. For persons who have crossed the 80-year mark or with 1 group of disability, the basic fixed payment is calculated at double the amount plus 50%.
  • Pensioners with a total length of service of at least 25 years (men) and 20 (women), 20 of which they worked in the PKS, receive an additional payment of 30% to the basic fixed payment (RUB 5,334.19). When moving to another area, the benefit remains the same. For persons who have crossed the 80-year mark or with 1 group of disability, the basic fixed payment is calculated at double the amount plus 30%.

Pension bonuses for Muscovites

For residents of the capital, pension increases are due to increases provided for by local legislation. The amount of additional payments and conditions of appointment depend on the category of applicants. To establish a premium, you must apply through the website of the mayor of the capital or with supporting documents.

The list of beneficiaries and due payments is approved annually, so for accurate information you must contact the territorial social security office. Basic monthly pension supplements:

  • victims of political repression – 2 thousand rubles;
  • home front workers - 1.5 thousand rubles;
  • veterans of labor and military service - 1 thousand rubles;
  • disabled people and WWII participants – 2 thousand rubles;
  • participants in the defense of Moscow - 8 thousand rubles;
  • for the title of People's Artist - 30 thousand rubles;
  • persons who received disability of 1st and 2nd groups as a result of participation in the military conflict in Afghanistan and the North Caucasus - 6 thousand rubles;
  • persons who received group 3 disability as a result of participation in a military conflict in Afghanistan and the North Caucasus - 2.3 thousand rubles;
  • honorary citizens of the city of Moscow - 50 thousand rubles;
  • compensation in exchange for travel on city public transport – 378 rubles;
  • compensation in exchange for travel by rail – 188 rubles;
  • compensation in exchange for benefits for medicines – 1,108 rubles.

Additionally, Moscow residents are annually provided with a one-time additional payment in connection with a significant event, regardless of employment status. Supporting documents are required to obtain. The lump sum amount is:

  • 100th anniversary - 25 thousand (each subsequent year - 15 thousand rubles);
  • 50th anniversary of marriage - 20 thousand rubles;
  • 55th and 60th anniversary of marriage - 25 thousand rubles;
  • 60th and 65th anniversary of marriage - 30 thousand rubles.

Low-income elderly citizens

Low-income pensioners include unemployed citizens who receive pensions, but the total amount of all payments does not reach the subsistence level established in the capital. Please note that the list of beneficiaries also includes residents of New Moscow. The city budget provides an increase in pensions:

  • for non-working pensioners who have been registered in Moscow for more than 10 years - up to the city standard (RUB 17,500);
  • for non-working pensioners who have been registered in Moscow for less than 10 years - up to the subsistence level (RUB 12,115).

Pension certificate and banknotes

Mothers of many children

Women who have given birth to (adopted) three or more children and raised them until they are at least 8 years old are considered mothers of many children. They are entitled to additional payments from the city budget. The additional payment is accrued until the child turns 16 years old (18 when studying in a general education institution).

The list of payments depends on the number of children. All families, without exception, are entitled to compensation for each child once a year for the purchase of clothes for attending school in the amount of 10 thousand rubles. and monthly payments:

  • for a child from birth to 3 years of age – 10 thousand rubles;
  • for a child from 3 to 18 years old – 4 thousand rubles;
  • to compensate for the increase in food costs - 675 rubles;
  • to compensate for the increase in the cost of living - 1,200 rubles. per child for families with 3 and 4 children and 1,500 rub. - for others;
  • for the purchase of children's goods for families raising 5 or more children - 1,800 rubles.

An additional 250 rubles are paid for each family. as compensation for using a home telephone and helping pay for utilities:

  • RUR 1,044 (for a family with 3-4 children);
  • RUR 2,088 - for others.

For mothers who have given birth to 10 or more children, the Moscow Government has approved a list of additional social security benefits. Once a month they are paid an additional 10 thousand rubles. plus an allowance for each minor in the amount of 1.5 thousand rubles. One-time payments are due annually:

  • 30 thousand rubles – for the Day of Knowledge;
  • 20 thousand rubles - for Family Day.

Pension indexation from January 1, 2020

In order to find out how much your insurance pension will be indexed from January 1, 2020, you need to multiply the current pension amount by 0.0705 (indexation from January 1 will be 7.05%).

In the table below you can clearly see exactly how the insurance pension of non-working pensioners and the size of the supplement will increase.

Pension amount as of December 31, 2020Pension amount as of January 1, 2020Will increase
6,000 rub.RUB 6,423.0423.0 rub.
7,000 rub.RUB 7,493.5493.5 rub.
8,000 rub.RUB 8,564.0RUB 564.0
9,000 rub.RUB 9,634.5634.5 rub.
10,000 rub.RUB 10,705.0705.0 rub.
11,000 rub.RUB 11,775.5775.5 rub.
12,000 rub.RUB 12,846.0RUB 846.0
13,000 rub.RUB 13,916.5916.5 rub.
14,000 rub.RUB 14,987.0987.0 rub.
15,000 rub.RUB 16,057.5RUB 1,057.5
16,000 rub.RUB 17,128.0RUB 1,128.0
17,000 rub.RUB 18,198.5RUB 1,198.5
18,000 rub.RUB 19,269.0RUB 1,269.0
19,000 rub.RUB 20,339.5RUB 1,339.5
20,000 rub.RUB 21,410.0RUB 1,410.0
21,000 rub.RUB 22,480.5RUB 1,480.5
22,000 rub.RUB 23,551.0RUB 1,551.0
23,000 rub.RUB 24,621.5RUB 1,621.5
24,000 rub.RUB 25,692.0RUB 1,692.0
25,000 rub.RUB 26,762.5RUB 1,762.5

Elena Smirnova

Pension lawyer, ready to answer your questions.

Ask me a question

Example 1. Unemployed recipient of a disability insurance pension. The pension amount is 9,137 rubles. After indexation from January 1, the pension amount will increase by 6,44.16 rubles and amount to 9,781.16 rubles.

Example 2. Unemployed recipient of an old-age insurance pension. The pension amount is 13,817 rubles. After indexation from January 1, the pension amount will increase by 9,74.1 rubles and amount to 14,791.1 rubles.

Social pensions are indexed from April 1, 2020 by 2.9% , taking into account the growth rate of the cost of living of a pensioner in the Russian Federation over the past year.

20122013201420152016201720182019
Insurance pension10,65%10,12%8,31%11,4%4%5,8%3,7%7,05%
The cost of the pension coefficient after indexation71,4174,2778,5881,4987,24
Social pensions14,1%1,81%17,1%10,3%4%1,5%2,9%2,4%

Important! The minimum level of pension provision for non-working Russians will always be no lower than the subsistence level of a pensioner in the region of residence. If the amount of the pension, together with other payments due to a non-working pensioner, is below the subsistence level, then a social supplement will be established for him.

Since the Government plans to adhere to the target inflation rate of about 4%, the indexation of the pension coefficient in the period 2019-2024 will annually outpace price growth .

In percentage terms, the price of one coefficient will increase at the following rates:

  • in 2020 - by 7.05%;
  • in 2020 - by 6.6%;
  • in 2021 - by 6.3%;
  • in 2022 - by 5.9%;
  • in 2023 - by 5.6%;
  • in 2024 - by 5.5%.

Attention! Due to recent changes in legislation, the legal information in this article may be out of date!

Our lawyer can advise you free of charge - write your question in the form below:

Rating
( 1 rating, average 5 out of 5 )
Did you like the article? Share with friends: