What is the length of service for a pension: definition, confirmation, calculation

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Quite often, citizens are interested in what the length of service is. For pensions, this component plays an extremely important role. That is why you need to find out as much information as possible about the insurance experience. Indeed, in the case of seniority, everything is clear - these are periods of time of official employment. Calculating it is not as difficult as it seems. It is enough to express the total duration of employment in years, months, weeks and days. But with regard to the length of service of the insurance type, everything is not so simple. In some cases, this feature has to be additionally confirmed. So what are we talking about? And what should every citizen know about this component?

Definition

First of all, you have to understand what the length of service is. For retirement, this is an extremely important component. Without it, in principle, pension payments are not allowed. Therefore, many people think about what this term is.

Insurance experience - periods of time in which a citizen made contributions to the Pension Fund of Russia. More precisely, this is the total result of the indicated intervals. Usually the length of service is longer than the length of service. According to the Russian definition,the specified term refers to the total duration of deductions in the FIU, which has no significant connection with seniority.

Simply put, the periods in which a citizen makes contributions to the Pension Fund are implied. What do you need to know about them? What features should I pay attention to?

Types of experience

What is the length of service? For pensions, he plays, as already mentioned, an important role. Without this component, it is generally impossible to receive pension payments. It is worth paying attention to the fact that the insurance experience may be different. There are several types of it. What options stand out in Russia?

Regular length of service is the first category. As a rule, it is characterized by periods in which certain deductions were made to the FIU of the Russian Federation. That is, payments without features.

Special insurance period - the second type of the studied component of the formation of pensions. Characterizes the period of labor in special (for example, harmful or dangerous) conditions.

Non-work periods

There are no more types of insurance guard. It is worth paying attention to the fact that these periods are not necessarily official employment under a work book or contract. There are periods that are officially credited to the length of service, but they are not considered working time. The length of service for the appointment of a pension plays a fundamental role. But due to certain circumstances, citizens are forced not to work. Therefore, special non-working moments of life are counted as "insurance".

Among them are:

• caring for an elderly person with a disability from the age of 80 or disabled from birth;
• being on parental leave up to one and a half years;
• military service;
• time to receive disability benefits (temporary);
• periods in which unemployment benefits were paid;
• time spent in prison, if after the innocence of a citizen is proved;
• resettlement at the direction of employment centers for employment purposes;
• finding the spouses of people working in embassies and consulates outside the Russian Federation;
• periods of being with the military (meaning spouses) in areas where employment is not possible.

There are some restrictions though. The thing is that the periods of care for minors allow you to get no more than 4.5 years of experience in total. And if we are talking about staying with a military husband where it is impossible to find a job, then the studied period of time will allow you to get a maximum of 5 years of experience in the field of insurance. Otherwise, no restrictions.

Official labor

The length of service for old-age pension is extremely important. The periods of time that count as "insurance" have already been named. But often the length of service is a period of employment. If a citizen does not officially work and does not have any features of an unearned type, then the experience is not counted for him. This means that it may be that a citizen will receive a minimum pension inRussia.

Official periods of labor type, which allow you to increase the length of service, are considered:

• Working hours under an employment contract. This refers to official employment.
• Participation in public works that are paid by the state. And it doesn't matter which ones.
• Periods of doing business. All entrepreneurs, regardless of the type of business, make contributions to the Pension Fund both for themselves and for their employees.

Accordingly, businessmen can also receive pensions and seniority. This is extremely important for those who do not plan to work "for their uncle", but still count on pension payments in the future.

Significance

The length of service for calculating pensions is one of the most important indicators. Without it, it will not be possible to accrue pension payments. Indeed, as a rule, a pension is paid precisely from all the accumulated deductions that were made for a citizen or directly by a pensioner earlier.

Also, the length of service is important for sick leave. But much more important is the pension. After all, this type of payment is becoming the main source of income for disabled elderly people. It is worth noting that they plan to increase the length of service for the appointment of a labor pension (or any other) until 2024. So, it is worth worrying about its availability in advance. The bigger, the better. In addition, it is easier to get an insurance type experience thanlabor.

How to count

What principles are proposed to be guided by for calculating the length of service? In fact, there is nothing difficult. The thing is that the calculation of the insurance period for a pension is only the simplest mathematical operations, more precisely addition.

It is enough to sum up all the periods of official employment, as well as the time that is included in the length of service. At the end you will get the total amount. In principle, there is nothing difficult or special about this. Many recommend using a special life insurance calculator. It will allow, according to the input data, to accurately determine how much "insurance" a person has accumulated. Find this service is offered on the official website of the FIU.

Lows

What else should I pay attention to? The thing is that there is a certain minimum insurance experience that every citizen must gain. Only in this case it will be possible to apply for pension payments from the state. Previously, it was 5 years. But in 2015 there was an increase to 6 years. In 2016, it was slightly increased by 1 year. Now, to receive a pension, you will have to collect at least 7 years of insurance experience.

But, as already mentioned, it is planned to increase this limit until 2024. They say that in Russia the length of service for a pension (for old age or any other) will have to be at least 15 years. This change has already been accepted. Therefore, future pensioners should worry in advance about the availability of sufficient insurance experience.

Confirmation

But this is not all the important information that every person should be familiar with. How is the insurance period for a pension verified? It is not so easy to do this. The thing is that each citizen must, when assigning a pension, provide some evidence indicating certain periods that are counted in the type of experience under study. Documents varied.

Among the evidence usually provided:

• military ID;
• children's birth certificates;
• adoption certificates;
• statements of doing business;
• work book;
• other papers indicating the existence of insurance experience (for example, statements about caring for a disabled person of 80 years).

Accordingly, if the length of service calculator is used, then all the named periods of time will have to be indicated independently. Only then will it be possible to fully know your insurance experience.

Results

Perhaps, this is all the important information that every resident of Russia should know about. In general, the situation with pensions in the country is ambiguous. Now we have to constantly monitor changes in the system. It is already clear that the length of service of the insurance type will increase. But there are no plans to exclude non-working periods that allow you to get additional "insurance".

From now on, it is clear what the length of service is. For retirement, this is one of the mainindicators that directly affect pension payments. In fact, it is not so difficult to calculate the length of service, as well as to prove it. It is recommended to find out about all changes in the FIU. They will definitely tell you everything about work and insurance experience. Also, this organization will help you find out how much insurance type experience a particular citizen has.