The principle of accrual of insurance pension in accuracyrepeats any program of funded insurance. The essence of the methodology is that a person pays contributions from his salary throughout his work activity and, in the end, gets an accumulated amount to go on a deserved rest. The insured event in this situation is disability.
Funds accumulated over the whole periodwork, a person receives not once and in full, but monthly, almost in equal shares. But given the current level of inflation, the amount can not remain at the same level all the time. This is what is needed indexation of the insurance part of the pension. Its size will depend on the requirements. Therefore, you should think about your life after leaving for a well-deserved rest as soon as possible.
Before deciding what the indexation of the insurance part of a pension is, you need to disassemble the meaning of the concept itself.
This type of payment means monetary compensationcitizens who have an insurance policy and for any reason are incapacitated. This can be explained by old age, the appropriation of a disabled group, the presence of disabled family members, and the loss of a bread-winner.
In this type of payments are included two components. This is directly an insurance pension, which is used to index the insurance part of the labor pension, and a fixed amount.
Insurance pension is placed not only for citizens who are on a well-deserved rest, but also for other persons with the available reasons. The grounds for obtaining these accruals are:
Not all elderly people have the right to receive benefits from an insurance pension. For this, certain conditions must be met, including:
The amount of the accrued disbursements directlyaffects the size of indexation of the insurance part of the pension. The amount that is put to a citizen who is on a well-deserved rest depends on several factors. One of these conditions is the length of service.
Insurance experience - this total value of allworking periods. This includes other activities. That is, those circumstances, because of which a person temporarily did not work hard. They are taken into account when calculating the amount of pension payments.
All the time during which the Pension Fund received contributions, is added to the seniority. As a rule, this happens in certain situations. These include:
Adds the listed time to work experience only if before or after such a period of work was conducted.
Recently, the government hasthe insurance part of the pension. Indexing is an increase in the amount of payments that is made annually. The increase in the level of indexation is affected by a decrease in the purchasing power of the most sensitive segment of the population.
Since there is an insurance part of the pension(the indexing of which is considered in our article) and the social, the method of their recalculation has differences. The level of increase in the size of social benefits is influenced by the subsistence level for each region. And the indexation of the insurance part of the pension depends on social charges, the inflation index and the profitability of the Pension Fund of the Russian Federation.
Index of the insurance part of the pensionis recalculated according to economic indicators, in particular, to the rate of inflation. But the amount of additional payments will not exceed the capacity of the state budget. For this reason, annual recalculation is regulated by law. The process is affected not only by the financial situation in the state, but also by the social situation. To this adjustment, the government established additional allowances in accordance with special decrees and regulations.
The indexation of the insurance part of the pension by year wasdifferent values, and to trace its dynamics is quite difficult, because the recalculation was influenced by various factors. Until 2013, the procedure for calculating the coefficient was one. Then the financial situation in the Russian Federation began to worsen, and the recalculation fully reflected the situation in the country. So, in 2016 citizens who are on a well-deserved rest, received pensions at the level of the previous year. Indexation was assigned on a one-off basis, and its ratio was four percent.
In the previous year, as already mentioned, onlythe insurance part of the pension was recounted once. This was due to a decrease in the burden on the state budget. Indexing this year provides for two increases. One is scheduled for early February, another will happen in April. This is the procedure prescribed by law.
The indexation of the insurance part of the pension each year had a different meaning:
To somehow compensate for the payments in 2016, the government decided to charge a fixed amount of five thousand rubles.
Correction factor of current yeardepends on the size of the pension, which was formed after the end of 2016. Since the inflation index was 5.8 percent, the estimated value would be 1.058.
In accordance with the index set for the current year, the average for Russia of the size of insurance pensions were:
If you do not take into account fixed payments, then we can say that in this period, not an indexation of the insurance part, but rather its adjustment.
The first adjustment, conducted on February 1,takes into account the magnitude of consumer price growth over the past year. This recalculation is mandatory for execution. The second one largely depends on the profitability of the Pension Fund of Russia, and in accordance with it the government sets the ratio. But the indexation, carried out on the first of April, can not be carried out by the corresponding decree.
