The value of the retirement point in 2022 will determine the size of the pension of citizens of the Russian Federation. This innovation for many countries looks incomprehensible. But the point-based system of pension accruals is not as complicated as it seems at first glance.
What are retirement points and how are they accrued
The Pension Point is the unit of account for 1 year of an officially employed person. At the same time, universal units of calculation are accrued not only for seniority, but also taking into account the amounts that the employer transferred to the Pension Fund.
The synonymous concept for this unit of account is the term “individual pension ratio”.
The cost of the retirement point in 2022 in the table
What is the cost of a retirement point in 2022? The cost of 1 pension point is fixed. In 2022, it is equal to 104 rubles 69 kopecks. Probably, the price of a conventional unit will change, therefore, at the legislative level, it was decided to determine it at the beginning of the calendar year. When calculating the cost of the coefficient, one proceeds from the minimum wage.
How much will pension units of account cost in the coming years? The approximate dynamics of the cost is presented in the table:
| Year | Pension unit cost |
| 2019 | 87,24 |
| 2020 | 93 |
| 2021 | 98,86 |
| 2022 | 104,69 |
| 2023 | 110,55 |
| 2024 | 116,63 |
Since the cost of a conventional pension unit is determined by the Federal Law of the Russian Federation on Amendments to Regulatory Legal Acts Regulating the Amount and Procedure for Payment of Pensions, in the event of a reform of the legal framework, the value of a point may change.
Pension on the territory of the Russian Federation includes a funded and insurance part. The current legislation of the Russian Federation establishes an annual indexation of pension payments. In addition to fixed payments, additional payments will also be indexed. For 2022, the pension indexation coefficient will be 5.9. The dynamics of fixed payments is presented in the table:
| Year | The size of the fixed payments |
| 2019 | 5334,19 |
| 2020 | 5686,25 |
| 2021 | 6040,48 |
| 2022 | 6401,10 |
| 2023 | 6759,56 |
| 2024 | 7131,34 |
Thus, the total amount of the pension is determined precisely by the individual coefficient of the pension, and not by its insurance part. While a person works at a particular enterprise, indexation is not applied to his pension coefficient. The price of one conventional unit remains stable, and the total number of accumulated conventional units of calculation automatically increases by 1 every year.
Converting points to rubles
To understand what kind of pension a particular citizen will receive, you need to translate the number of pension units into rubles. The calculation formula is simple: the amount of pension points must be multiplied by the current price of this conventional unit.
Information about the general work experience is contained in the work book of each person. However, not everyone knows how to calculate a pension according to this document.
A convenient calculator can be found on the PFR website or in the personal account of the State Services portal. These electronic services reflect the total work experience of a person and the pension points available to him, on the basis of which preliminary calculations are made.
In order to find out the size of the future pension, a person needs:
- Log in to the State Services portal or to the personal account of the PFR.
- Open the "Benefits and Benefits" tab.
- Go to the section "Personal account information".
- In the special fields you need to enter the SNILS number, and then click the "get service" button.
- Check the information displayed on the screen.
- If necessary, this information can be saved on a computer for later use. To do this, press the "save" button and select the preferred form of saving information from the options offered.
How many points do you need to retire
In order for a citizen to be eligible for a pension, he must have at least 12 pension points.You can buy them if necessary. However, it is a mistake to believe that you can not have official employment, and before retirement you can buy the missing points, since the state sets limits on the number of conventional units of account available for purchase. Today it is not possible to buy an unlimited number of calculation units. In accordance with current legislation, each citizen can buy only half of the amount of points he has.
How to buy retirement points
To purchase the missing pension points, a person needs to contact the Pension Fund. The essence of the transaction (purchase) boils down to the fact that a citizen transfers a certain amount of money to the account of the Pension Fund of Russia. Each citizen of the Russian Federation can do this not only through the deductions that his employer makes monthly, but also independently.
There are several ways to formalize a deal:
- by sending an application to the FIU in the form of a registered letter;
- through a personal visit to the FIU and filling out a standard form;
- through your personal account on the PFR website.
The citizen's application will be considered within 3 working days. The FIU's response will be sent to the applicant in the form of a letter. The FIU's response will contain information about the amount of contributions and the methods of their crediting. A person can pay for the purchase in a lump sum or monthly contribute part of its cost.
Minimum and maximum score table
The minimum number of pension points is necessary for a citizen to have the right to receive the insurance part of the pension.
| Retirement | Required insurance experience (years) | Minimum pension units | Maximum number of retirement points | |
| Zero tariff for the funded part | 6% tariff for the funded part | |||
| 2018 | 9 | 13,8 | 8,7 | 5,43 |
| 2019 | 10 | 16,2 | 9,13 | 5,71 |
| 2020 | 11 | 18,6 | 9,57 | 5,98 |
| 2021 | 12 | 21 | 10 | 6,25 |
| 2022 | 13 | 23,4 | 10 | 6,25 |
| 2023 | 14 | 25,8 | 10 | 6,25 |
| 2024 | 15 | 28,2 | 10 | 6,25 |
| 2025 | 15 | 30 | 10 | 6,25 |
Analyzing the data presented in the table, it can be assumed that the minimum for the pension score will increase annually. Many countries do not like this policy of the state, but so far the authorities are not going to change it. Also, negative feedback from citizens is received by the fact that the state will not provide a person with a large pension, even if he has accumulated several times more pension units than is required to calculate the insurance part of the pension.
Also, many Russian citizens do not like the framework established by the state for the minimum and maximum pension coefficients. A citizen's right to receive the funded part of his pension arises only if his individual coefficient is 13.8. But for many, the size of the coefficients is much higher, since they have a long experience. At the same time, the PFR cannot calculate the amount of the pension in proportion to the length of service, since the maximum number of units is taken for the calculation - 10.
Sociologists say that the lower bound on the number of points will gradually increase. That is, if a person's total length of service is short, there is a high probability that he will not be able to qualify for the funded part of the pension. In this case, after the end of his labor activity, he will receive only social benefits, the amount of which will not exceed 7000-8000 rubles.
Analyzing the changes in the coefficients for calculating pensions, sociologists say that by 2025, in order to receive the funded part of the pension, a person must have 15 years of total work experience, and 30 pension points must accumulate on his account. This is the reason for the increase in age, upon reaching which a person can go on a well-deserved rest. However, the reform has not yet been completed, therefore, until 2028, men and women can complete their working careers on preferential terms - six months earlier. From 2028 on the territory of the Russian Federation, women will retire at 60 years old, and men at 65. But again, these age limits will not affect everyone, since for many categories of citizens privileges are established by law.For example:
- mothers with many children retire earlier;
- employees of enterprises, work at which brings serious harm to health, have the right to retire early;
- for representatives of certain socially significant professions, reduced requirements for the total length of service have been established, which allow them to qualify for the funded part of the pension.
Thus, it becomes clear why many grandparents receive different pensions when they have approximately the same length of service.
FAQ
How are points awarded?
If a person is officially employed, then pension points are accrued automatically. The FIU independently converts the employer's monthly deductions into conventional units, which will later be used to calculate the amount of a person's pension.
How to find out the size of the individual coefficient?
The individual coefficient can be calculated independently by dividing the amount of pension contributions by the rate of insurance contributions and multiplying the result by 10.
How is the state old-age benefit formed?
The amount of the old age benefit consists of 2 parts, which are summed up:
- The funded part of the pension (formed from the monthly deductions of the employer). If a person is officially employed, the head of the enterprise is obliged to make monthly contributions to the FIU. Since 2014, the Government of the Russian Federation has decided to freeze the funded part of the pension of citizens, as a result of which the monthly payments of the employer to the Pension Fund did not affect the amount of the funded part of the pension and only increased the insurance part. Freezing was planned to be canceled in 2020. However, the President recently signed an executive order extending the freeze period for this part of the pension until 2022. This means that until 2022, inclusive, people working under an employment contract at a particular enterprise will increase their insurance part of their pension through monthly deductions from their income to the account of the Pension Fund of the Russian Federation.
- The insurance part of the pension (this is a social payment that is guaranteed to be paid to each person).
The size of the pension is influenced by:
- work experience, which, in addition to performing official duties at the enterprise, reflects military service, maternity leave and childcare leave, periods of caring for a disabled person or elderly relatives, permanent residence in a settlement where there are no vacancies;
- the number of accumulated conventional units of calculation;
- the average salary of a person, excluding personal income tax;
- time of termination of employment;
- the amount of the insurance part;
- and also what is the pension score.
What can a Russian citizen do to increase his old-age benefit?
If a person cares about the amount of his pension, while still of working age, he can independently transfer money to the account of the Pension Fund of the Russian Federation, while he himself decides how often to make contributions and what their size will be. The details of the pension fund can be found on the official website of this government agency. To do this, you do not even need to enter your personal account, since the details are posted on the main page of the PFR website.
Thus, retirement points in 2022 are an attempt by the state to create conditions for increasing the size of the future pension of countries born after 1967. They can deposit money into the account of the Pension Fund, as a result of which the funded part of their pension will grow. To take advantage of this opportunity or not - everyone decides for himself.
