**Last news**

The Government of the Russian Federation has issued a decree indicating that citizens of preferential categories will be able to issue documents for travel on trains remotely. This will be introduced from 1 December 2020.

From the designated date, disabled people, Chernobyl survivors, participants in the Great Patriotic War and other beneficiaries will not need to submit benefit documents to the cash desk. Russian Railways employees will find the necessary information in the federal information system, and discount tickets will be issued online.

DON'T MISS:One-time payments to pensioners from September 1 →

LDPR deputies have prepared a bill proposing to award the title “Veteran of Labor” to Russians who have worked in the Far North. This category should include women with 30 years of work experience and men with 35 years of work experience who have worked in difficult northern conditions.

## What years are taken for calculation?

To assign a pension, a standard package of documents is provided to the pension institution. In addition, you may need a personal accounting card. Information from this map is taken into account starting from 2000 or from 5 years ending in 2001. **When carrying out hired work, a contract and confirmation of two witnesses are provided.**

To calculate the insurance pension, the following income is taken into account:

- during work until the beginning of 2002;
- for labor activity in the period 2002-2014;
- what is earned from 2020 until the year of retirement.

Amounts of money accumulated before January 1, 2020 in rubles were converted into points. The points correspond to the salary.

When carrying out labor activities and complying with the conditions for calculating insurance premiums, the citizen’s pension coefficients are formed. The highest number of pension coefficients in 2020 is 9.57, and starting from 2021 - 10.

To receive a pension in 2020, you must have 11 years of work experience and, accordingly, 18.6 points. If these numbers are lower than those indicated, then the Russian will receive only social benefits.

The table shows information about the year of retirement and the amount of required experience:

Man's year of birth | Retirement requirements | |||

Age | Retirement (year) | Experience | Points | |

2nd half of 1959 | 60.5 years | 1st half of 2020 | 11 years | 18.6 |

1st half 1960 | 61.5 years | 2nd half of 2021 | 12 years | 21 |

2nd half 1960 | 61.5 years | 1st half of 2022 | 13 years | 23.4 |

1961 | 63 | 2024 | 15 years | 28.2 |

1962 | 64 | 2026 | 15 years | 30 |

1963 | 65 | 2028 | 15 years | 30 |

Woman's year of birth | ||||

2nd half of 1964 | 55.5 | 1st half of 2020 | 11 years | 18.6 |

1st half of 1965 | 56.5 | 2nd half of 2021 | 12 years | 21 |

2nd half 1965 | 57.5 | 1st half of 2022 | 13 years | 23.4 |

1966 | 58 | 2024 | 15 years | 28.2 |

1967 | 59 | 2026 | 15 years | 30 |

1968 | 60 | 2028 | 15 years | 30 |

## How to calculate the average monthly salary coefficient?

To calculate the average monthly salary coefficient (AMS), you need to calculate the ratio of your average salary for the selected period (any 60 consecutive months until 01/01/2002) to the average monthly salary for the same period.

**Average monthly wages from 1960 to 1990**

Year | Average salary | Year | Average salary | Year | Average salary | Year | Average salary |

1960 | 73,1 | 1968 | 110,9 | 1976 | 154,2 | 1984 | 193,2 |

1961 | 77,1 | 1969 | 115,6 | 1977 | 159,1 | 1985 | 199,2 |

1962 | 80,9 | 1970 | 121,2 | 1978 | 164,4 | 1986 | 206,1 |

1963 | 82,4 | 1971 | 125,6 | 1979 | 168,4 | 1987 | 214,4 |

1964 | 86 | 1972 | 130,4 | 1980 | 174 | 1988 | 233,2 |

1965 | 92,5 | 1973 | 136,2 | 1981 | 178,3 | 1989 | 263 |

1966 | 97,2 | 1974 | 143,2 | 1982 | 184 | 1990 | 303 |

1967 | 102,5 | 1975 | 148,7 | 1983 | 188,3 |

**Average monthly wages from 1991 to 1997**

Month | 1991 | 1992 | 1993 | 1994 | 1995 | 1996 | 1997 |

January | 308 | 1438 | 15,3 | 134,2 | 302,6 | 654,8 | 812,2 |

February | 294 | 2004 | 19,1 | 144,7 | 321 | 684,4 | 821,2 |

March | 337 | 2726 | 23,6 | 164,8 | 361,5 | 745 | 902,9 |

April | 373 | 3052 | 30,6 | 171,4 | 386,2 | 746,5 | 901,1 |

May | 438 | 3675 | 37,5 | 183,5 | 429,9 | 779,3 | 919,7 |

June | 493 | 5067 | 47,4 | 207,5 | 480,6 | 837,2 | 993,2 |

July | 541 | 5452 | 56 | 221 | 499,5 | 842,8 | 999 |

August | 548 | 5876 | 65,4 | 232,8 | 520,6 | 831 | 982 |

September | 613 | 7379 | 80,9 | 253,8 | 564,5 | 848,1 | 1026 |

October | 703 | 8853 | 93 | 253,2 | 594,5 | 843,3 | 760 |

November | 839 | 10 576 | 101,5 | 265 | 615,7 | 835 | 760 |

December | 1195 | 16 071 | 141,2 | 281,6 | 735,5 | 1017 | 760 |

**Average monthly wages from 1998 to 2001**

Month | 1998 | 1999 | 2000 | 2001 |

January | 760 | 923 | 1194 | 1523 |

February | 760 | 793 | 1324 | 1523 |

March | 760 | 837 | 1254 | 1523 |

April | 760 | 851 | 1257 | 1724 |

May | 760 | 851 | 1257 | 1653 |

June | 760 | 851 | 1257 | 1635 |

July | 760 | 969 | 1413 | 1896 |

August | 760 | 787 | 1411 | 1550 |

September | 760 | 1180 | 1325 | 1567 |

October | 760 | 1157 | 1528 | 1671 |

November | 760 | 1281 | 1457 | 1671 |

December | 760 | 1086 | 1584 | 1671 |

## FAQ

If, when calculating a pension, its amount turns out to be less than the subsistence minimum, how can a pensioner live on such a pension?

In this case, the state pays the difference. But the additional payment will depend on the region in which the pensioner lives, since the region itself sets the cost of living.

Is maternity leave and childcare leave included in the insurance period?

Yes, these days are included in the period for calculating the insurance period, since during these periods contributions were made to the Pension Fund.

What years of experience are taken into account when calculating: any for the entire length of service or 5 years before the period of 2001?

For the calculation, select any 5 years of experience before 2002 or the entire amount of income for the period 2001.

## Nuances of calculating amounts before the beginning of 2001

Old age pension payments before 2002 are calculated using a separate formula.

**It is presented:**

C = P/D, where

- C – the amount of benefit paid to a citizen upon reaching a certain age category;
- P – pension capital;
- D - the time during which the citizen will receive funds (as of 2020, this figure is 228 months).

A different formula is used to calculate capital.

### Calculation of pension capital

To determine the amount of pension capital, you will need to use a separate calculation method.

**It is represented by the formula**:

К = (РВ – Ф)*П, where

- K – size of pension capital;
- РВ – the calculated value of the insurance part of the benefit (it must be relevant for the period selected during the calculation);
- F – fixed payment established by the state (the amount changes every year, in 2002 the amount was 450 rubles);
- P – the time during which it is planned to pay a pension to a specific citizen.

A fixed payment is used to determine the minimum or basic payment of social significance.

### What does the estimated amount of the insurance benefit consist of?

To obtain the value in question, you will need to subtract the amount of the fixed payment from it.

**You need to use the formula:**

РВ = N*W*NW, where

- РВ – the amount of the estimated payment of insurance benefits;
- C – length of service coefficient;
- Z – the size of the salary coefficient;
- SZ is the monetary expression of the average earnings in the country before 2002.

As of 2001, the average salary was established by the Government of the Russian Federation. The amount **is 1671 rubles.**

### The value of the coefficient is 1.2 when calculating benefits

The salary coefficient is understood as the ratio of the salary of a working citizen to the level of remuneration. The national average is taken. The average earnings on the day of calculations are taken into account.

Federal Law No. 173 of 2001 specifies that this coefficient cannot be expressed in excess of 1.2.

## conclusions

**In 2020, women retire at 57 years old, and men at 62 years old.**- To receive a pension in 2020, you must have at least 11 years of work experience and 18.6 points.
- You can calculate the amount of your insurance pension using a simple formula. Pension indexation in 2020 is carried out by 6.6%.

Author

Breslav Lev Andreevich

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## What period to choose when calculating pensions

Speaking about which years are best to take for calculating a pension, it is worth making approximate calculations. For example, despite the fact that the highest wages were established in the period from 2001 to 2002, the amount of pension capital and accumulated coefficients may be higher in another time period.

We are talking about years before 2001. The size is affected by the correction factor and the level of valorization. Using the table, you can determine the most profitable period for calculating pension benefits.

Period | Earnings (in rubles) |

Before 1961 | 88 |

1961-1965 | 100,5 |

1966-1970 | 131,3 |

1971-1975 | 164,1 |

1976-1980 | 196,8 |

1981-1985 | 226,3 |

1986-1990 | 292,7 |

1991-1995 | 1762 |

1996-2000 | 1144,1 |

2000-2001 | 1793,4 |

When entering retirement, you need to take these indicators into account in order to receive a larger benefit.

## What does a pension consist of?

The insurance pension (formerly called labor pension) is calculated according to the formula:

number of points * cost of one point.

The cost changes annually and is approved by Government Decree. Those citizens who have earned at least thirty points during their working life have the right to pension provision. The total pension includes the insurance part and a fixed payment (previously the basic part). The size of the fixed payment is also approved at the state level.

That is, only points need to be calculated. And their number depends on the salary.

## Changes in 2020

Due to the ongoing reform in pension legislation, citizens of the Russian Federation will now retire at a different age. The state provided guarantees for funds in the Pension Fund budget, which did not have enough money for indexing even according to the newest system (at the beginning of the year - for those who do not work, in the middle - for those who are working). The pension reform also affected those who receive social benefits and citizens who have the right to retire based on the specifics of their profession.

For example, teachers have the right to early retirement, but they will only be able to receive payments after they have worked for another 8 years.

The changes also affected citizens who work in unfavorable climate conditions, as well as civil servants and law enforcement officers. For citizens who can qualify for an old-age pension, the requirements have also become stricter.

Important! The length of service that is now needed has almost doubled, but it will increase in stages, similarly to the number of required points that have been accumulated during this period.

Both the retirement age and length of service will gradually increase in connection with the pension reform

This year, if a citizen does not have the required length of service and points, pension payments will not be provided, but in theory it will be possible to work up to the required minimum. True, within a year the bar will rise again. This means that citizens who have not earned anything will not receive an insurance pension.

Thanks to Russian President Vladimir Vladimirovich Putin, women with many children, who have three and four children, can retire early at the age of 56. With all this, the conditions that apply to the assignment of payments to women with many children remain the same: as a rule, women who raised children up to the age of eight years with an insurance period of fifteen years can apply for this payment.

Women with three or four children may retire earlier

From the beginning of this year, pension payments will increase by an average of one thousand rubles - this is an increase of more than 7%, and it is almost 2 times higher than the expected inflation rate in the country. The legislation specifically for this purpose stipulated the cost of the IPC and the amount of the financial contribution to the insurance pension. Thanks to this, in five years the expected pension in the country will be 20 thousand rubles.

In January of this year, the payment of a 25 percent supplement to the insurance pension began for pensioners who are no longer working, live in rural areas and have more than thirty years of experience in the agricultural sector. This year this premium will be 1333 rubles.

Important! Males can begin receiving pension payments at the age of sixty, and women at the age of fifty-five. This is possible provided that citizens have received the necessary points in order to be assigned an old-age pension. However, gradually, as already mentioned, the retirement age is increasing.

The government plans that the pension in 5 years will be about 20 thousand rubles

## Where to get information about earnings when calculating pensions for 2000-2001

If a citizen who retires has the maximum coefficient, there is no need to obtain additional data on earnings. Pension Fund employees will provide advice on this issue.

When the coefficient is average, you need to send the application to the place where the person worked. If they refuse, the application is filed in a city or regional archive.

Thus, when calculating pension payments, it is necessary to take into account the period chosen by the citizen. For each employee, the calculation is carried out individually, since the amount of wages is taken into account.