Pension reform: what has changed since 2015

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pension reform 2015, a new procedure of calculating pensions, the rate of insurance contributions for compulsory pension insurance, the co-financing programme, the maternity capital, pension 2015, option pension

In 2015 there will be another pension reform, which will affect all participants in pension insurance system: current and future pensioners and employers.

New formula to calculate pensions

pension reform 2015, a new procedure of calculating pensions, the rate of insurance contributions for compulsory pension insurance, the co-financing programme, the maternity capital, pension 2015, option pension

From 1 of January 2015 year comes into force a new procedure for calculating pensions in the system of mandatory pension insurance. The retirement pension is transformed into two types of pensions: defined contribution and defined benefit.

For the first time introduced the concept of "individual retirement factor". This concept will be applied in the calculation of the insurance pension. Individual pension coefficient will be evaluated each year of employment individuals. In order to qualify for appointment of insurance old-age pension will need to get 30 points or more, this provision will take effect from 2025, and in 2015 it will be enough to have a pension of 6.6 points.

Will also change the minimum experience to qualify for insurance old-age pension. With 5 years required now, it will be up to 15 years. However, for the introduction of this regulation provides for a transitional period. In 2015 the minimum length of service required for appointment retirement pension, will be 6 years in the next 10 years, Planck will gradually be moved – will increase annually by 1 year.

The points will be awarded not only for the period of employment, but also socially significant periods in human life: military conscription, the period of care for a disabled child, for an elderly citizen aged over 80 years, leave to care for a child, etc.

From 1 January 2015, the value of pension points is 64,10, the size of the fixed payment to insurance pension – 3 935 rubles as of 1 February 2015 the price points and the size of the fixed payments will be indexed (forecast 11.5%).
Those pension rights, which are currently already formed, when converted to pension points will continue, their size will not decrease. All assigned pensions will not be reduced.

New service – personal account

In order to know their pension points and also the duration of time you can use your profile on the website of the Pension Fund of the Russian Federation. The access to your Personal account all users who have registered in Unified system of identification and authentication to the website or the services.

In the Personal Cabinet there is a possibility to see how many citizen points can be accrued for the year. It is sufficient to know the amount of expected monthly income before deduction of personal income tax, enter that amount in the appropriate box and the system will give the result. The maximum number of points that a citizen can earn in 2015 – 7,39.

Increasing the size of pensions and social payments in 2015

pension reform 2015, a new procedure of calculating pensions, the rate of insurance contributions for compulsory pension insurance, the co-financing programme, the maternity capital, pension 2015, option pension

From 2015 the indexation of pensions (insurance) is done by indexing the value of pension points. On January 1, 2015, the value of the score is 64,10 rubles In the Pension Fund budget includes appropriations for indexing the value of the coefficient with 1.02.2015 7.5%, however, the indexation will be made on actual consumer price index for 2014 – about 11.5%. From 1 February along with the insurance pension will be indexed the fixed payment to insurance pension (the analogue of the usual pension).

In the end, the average insurance old-age pension in 2015 will be at least 12 844 rubles.

From 1 April 2015 will be indexed on actual index growth level of the subsistence minimum of a pensioner (12,3%) social pensions. In the end, the average social pension in 2015 will amount to at least RUB 8 496

From 1 April 2015 will also be indexed by the size of monthly payments at 5.5%.

Maternity capital

From 1 January 2015 the amount of maternity capital is indexed. Now its size is 453 026 rubles, which is more than the previous value by 23.6 thousand rubles For the payment of the parent capital in 2015 in the budget of the FIU laid 344,5 billion rubles Direction of the possible use of the parent capital in 2015 remained the same: education and maintenance of children in educational institutions, improvement of living conditions, increase pension of mother.

The size of insurance premiums and reporting to the FIU

pension reform 2015, a new procedure of calculating pensions, the rate of insurance contributions for compulsory pension insurance, the co-financing programme, the maternity capital, pension 2015, option pension

In 2015, the rate of insurance contributions for compulsory pension insurance will not change – 22%. Limit the payroll Fund from which the insurance contributions are paid into the statutory pension insurance, and indexed is 711 thousand (plus 10% above this amount).

Additional rate of insurance contributions for employers who have jobs in hazardous industries (if the employer does not conduct a special assessment of working conditions) in 2015 is in the List 1 to 9% on List 2 and "small lists" - 6%.

With regard to reporting, the changes made here. From 2015, the organization, the number of employees exceeds 25 people, are required to report on insurance premiums in the form of an electronic document with an electronic signature.

From 2015, the amount of insurance contributions to state extra-budgetary funds, employers should define precisely: in rubles and kopecks. Until that time, the amount of premiums defined in full roubles.

With payments to foreign nationals and stateless persons temporarily staying on the territory of the Russian Federation, in 2015, should pay social insurance contributions regardless of the period of validity of a labour contract.

Individual entrepreneurs, notaries, lawyers and other individuals who pay premiums in a fixed size and whose income exceeds 300 thousand rubles in 2015 for the first time will have to pay 1% of the amount of excess income during the calculation period. 1% must be paid no later than April 1 of the year following the reporting year.

The programme of state co-financing of pensions

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31.12.2014 – last day citizens can join the Program state co-financing pensions. All who entered into this Program, have until 31 January 2015 to make the first contribution to "activate" the program.

To all those who joined this program have made or will make the first payment until 31/01/2015, the state will provide co-financing of voluntary contributions for future pension for 10 years (the period starts to run from the date of the first installment) provided that per year will be paid not less than 2 000 of contributions.

Option pension

pension reform 2015, a new procedure of calculating pensions, the rate of insurance contributions for compulsory pension insurance, the co-financing programme, the maternity capital, pension 2015, option pension

Persons 1967 year of birth and younger have the opportunity to choose a variant for the formation of pension rights in 2015: either to form only the insurance pension, or to form and insurance, and pension.

The choice will directly affect the amount of points that a citizen can earn in a year. If the citizen will choose the option of forming only the insurance pension, the maximum number of points that he can earn for the year will be 10. If a citizen chose another option – forming and the insurance and cumulative parts – 6,25.

When choosing, remember that the insurance portion is guaranteed to not increase government below the level of inflation. Funded part invested in the financial market of selected non-state pension Fund or the management company. The return on these savings depends on investment results. You may loss, then payment will be guaranteed only the amount of premiums paid.

In 2015 regardless of the choice of citizens have formed pension rights only to insurance pension.

Retirement savings

In 2015, we will continue payment of pension savings. If a citizen is already a pensioner or has acquired the right to pension and is of pension funds, it should contact the Pension Fund for payment. If a citizen forms retirement savings through non-state Fund, the application should be submitted to the appropriate SPC.

Important!

As of 2015 changes come into force, concerning the deadline for applications for the appointment of a lump sum. From 2015, if a citizen has already received his pension savings in the form of lump sum payments, following the payment, he may apply not earlier than 5 years. Recall that if the retirement pension savings in the total amount of the pension of a citizen is 5 per cent or less, the pension savings are paid in a lump sum.

 

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