From January 1, 2022, the Ministry of Labor will change the procedure for receiving pensions for two categories of Russians The new rules will affect two categories of Russians. Writes about this “MK”.
The changes will affect only those pensioners who have the right to a one-time withdrawal of their savings. The new rules will apply to those who receive a survivor's pension and disability. The second category will include Russians whose work experience is too short for the appointment of an old-age pension, and there is a shortfall in pension points – these include men over 60 and women over 55.
To apply for a one-time payment of pension savings, they will need to submit an application on the portal of State Services.
In addition, the terms for re-receiving the lump sum will change – it will be possible to apply for it only after five years. The Pension Fund official will review the application within five days. They will also inform about their decision whether to pay or not through the State Services portal.
The new rules will come into force on July 1, 2022.
A number of other innovations of the Pension Fund will also come into force by July. From January 1, 2022, PFR services will be available only by appointment, by email or by phone. The corresponding temporary procedure for the provision of public services was registered by the Ministry of Justice. Pensions and payments will be assigned based on the data available to the fund. The Russians will be informed about the decision and, if necessary, will be invited to provide additional documents.
Also, from January 1, the procedure for the payment of pensions and control over their accrual will change. In particular, it will be possible to pay and deliver pensions in the territory where the emergency regime has been introduced, regardless of its nature – federal, interregional, regional, intermunicipal, municipal or local – earlier than this month. To do this, the pensioner will need to write a statement about the situation and submit it to the Russian Pension Fund (PFR). Also, elderly Russians will be able to choose how they want to receive payments.
Indexation of pensions
Since December 1, the Pension Fund of Russia (PFR) has automatically indexed pensions for three categories of Russians. The increase in payments affected, in particular, citizens who celebrated their 80th anniversary in November – the fixed payment to their old-age insurance pension has doubled, from 6,044.48 to 12,088.96 rubles.
In addition, an increase is also provided for those pensioners who quit their jobs before September 1, 2021 – they were automatically credited with an increase with an additional supplement for three months. Russians who have applied for recalculation can also apply for an automatic increase in payments.
Ways to accumulate a pension
Olga Daineko, an expert at the Financial Literacy Center of the NFI of the Ministry of Finance of the Russian Federation, named four ways to save up for a decent pension. The first is buying real estate, you need to pay attention to its investment attractiveness. According to the expert, a small studio apartment with basic renovation in a residential area with good transport accessibility is best suited.
The second way is a bank deposit. Before concluding a contract, you should pay attention to the presence of capitalization – such a contribution is more profitable than usual. At the same time, the expert advises not to keep more than 1.4 million rubles in one bank (the amount reimbursed in an insured event).
The third option is an individual investment account (IIS). An investor can receive a tax deduction of 13 percent of the amount deposited on the IIA for a calendar year. The profitability will depend on what will be on the IIA: government bonds or shares of growing, but new companies. Collective investments – for example, units of mutual funds – can also be bought on IIS.
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The fourth way is the accumulation of pensions through the Non-State Pension Fund (NPF). When choosing an NPF, you need to pay attention to a number of things: is the NPF a participant in the system of guaranteeing the rights of insured persons, how many years it has existed, how many insured persons, the ratio and value of the NPF's own funds and the amount of funds under its management is important, as well as the profitability of the NPF for previous years.
Citizens employed in hazardous, hazardous work, in hot workshops, as well as in railway transport and in the metro, can retire earlier. Also, those who, due to the increase in the retirement age, have also raised the retirement age, can retire earlier, but it is still lower than the generally established one.
Early retirement is also guaranteed for people who have suffered as a result of radiation man-made disasters, and for doctors and teachers with special experience, it ranges from 25 to 30 years, depending on the profession.
In addition, servicemen, employees of the Ministry of Internal Affairs, Rosgvardia, cosmonauts, test pilots, federal officials can retire earlier, the associate professor said. “An early pension can also be received by pre-retirees who have two years left before retirement and who are registered as unemployed without employment opportunities,” the economist added.
Earlier it became known that among Russians from the largest cities of the country the number of those who believe that after reaching retirement age they will be able to live on money that will be paid by the state has grown.
At the same time, the number of Russians who want to earn money retired, up 22 percent. 61 percent of Russians intend to continue working after reaching retirement age.
Also, according to polls, Russians called a decent pension on average 43 thousand rubles a month. At the same time, Russians under 24 considered a pension of 35.8 thousand rubles a month worthy, while those over 45 – 45 thousand rubles. 28 percent of those surveyed said that after reaching pension they will work and live off a salary.
Almost one in four (24 percent) counts on a state pension, while 14 percent intend to live on savings.