How to find out your insurance experience? What is insurance experience and what does it include? Calculation of insurance experience

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

In Russia, everyone has long been accustomed to the phrase "pension reform", lately, almost every year, the government makes certain changes to the legislation. The population does not have time to follow all the changes, but awareness in this area is essential, sooner or later any citizen is forced to ask himself how to find out his insurance record and apply for a pension.

History of Appearance

The introduction of this definition into circulation is connected with the continuation of the reform begun in 1996. Since that time, the individual registration of citizens in the general pension system has been gradually established. One of the levels of reorganization is the insurance experience. The Federal Law of 1996-01-04 and 1999-16-07 No. 165 give different interpretations of this concept, which causes a certain contradiction.

The first law does not mention labor activity at all, the second hasmore precise wording, but it also leaves many questions about what insurance experience is in reality. Contradictions in the definitions make it possible to take into account even the time when a person did not officially work, and there were no transfers to the PF.

Definition

Insurance experience is the total number of duration of periods of a citizen's work activity for a lifetime, during which insurance premiums were regularly paid by an employer or individual entrepreneur. In addition, this also includes the time when the necessary contributions could not be made:

• care for a child up to one and a half years old;
• being on the stock exchange, with a confirmed status of unemployed;
• caring for a person with a disability or over 80;
• participation in social activities paid in a special manner;
• time of residence abroad of spouses of diplomats.

The calculation of the length of service depends on several factors: the duration of work in years, as well as the characteristics of working conditions: harmful, difficult, climatic, etc. The accrual coefficient for general and special length of service is different, sometimes it is very difficult to figure it out without professional legal assistance in the classification of a particular type of activity.

What is the difference from labor

What is the length of service, it is much easier to understand if we draw an analogy with the term “labor pension”, which is familiar to us, since 2015 it has fallen into disuse, and is applicable only to people whose activity calculations are carried out until 2002. Starting in 2003, all payments will becalculated from insurance premiums.

For evaluation, special pension coefficients and points are used, and each year of work will be analyzed separately.

Who is eligible

So far there have been no revolutionary changes in the procedure for granting pensions to citizens of the Russian Federation. The government's planned measures to increase the age limit for receiving social security from the state have not yet been adopted, although this bill is actively being developed.

Thus, for 2017, women who have reached the age of 55, and men at 60 can receive the old-age pension due to him. how to find out your insurance experience. In addition, since 2015, the state has determined a gradual increase in the period of work activity for the population, it will occur gradually until it reaches 15 years.

Existing species

The classification of labor output depends on the quantitative and qualitative characteristics of length of service, where the first is the entire time when there were deductions, regardless of activity, and the second reflects the features of production.

1. Total length of service is the total duration of employment, during which part of the income was redirected to the Pension Fund of Russia. In addition to the main work time, this includes other periods recognized by law, this may be caring for a child up to threeyears or passing military service.
2. Professional insurance experience is the total duration of labor activity associated with difficult or harmful working conditions or an unfavorable climate.

The procedure for calculating an old-age pension is difficult to understand for an uninitiated person, but every citizen should understand the principles of calculating their future social security. Moreover, today the question of how to find out your insurance experience has been completely resolved. This can be done at the local branch of the PF, as well as on the official website of the organization.

Features of calculations

Future social payments to Russians are formed in the system of mandatory pension provision. The procedure for calculating the insurance period is established by federal law No. 173-FZ of December 17, 2001 (as amended on November 19, 2015). Payments are assigned and made in the form of a fixed-term, lump-sum or funded pension.

The calculation of the insurance period is based on calendar values, in case of coincidence of periods, a citizen has the right to choose one of them. All savings are converted into special points, their number depends on the monthly payments by the employer in the Pension Fund. The state indexes these values every year according to the existing inflation. Moreover, if you apply for a pension not immediately on time, but later, the amount of insurance points will increase significantly.

For people who independently provide for themselves, and these can be members of farms, as well as representatives of the small peoples of Siberia,periods of required service are calculated on the condition that they regularly contribute part of their income to the Pension Fund of the Russian Federation. The same rule applies to individual entrepreneurs.

Accounting for non-insurance periods

The legislation provides for exceptional cases in which a person was not able to make regular contributions to non-state funds for a good reason. For such persons, the state has established its own system for calculating insurance points:

• one year of military service - 1, 8;
• caring for a disabled person, a person over 80 years old - 1, 8;
• maternity leave with first child - 1, 8;
• with the second - 3, 6;
• with the third and fourth - 5, 4.

Moreover, the period of raising a fifth child is no longer included in the total experience. It is not easy to make all the calculations on your own, because many people have a question about how to find out their insurance experience. Today, this can be done without even leaving home, the Russian Pension Fund has a 24-hour hotline, and all information is on their official website.

How to find out your experience

You may need this data not only when you go on a well-deserved rest, but also when calculating sick leave. Each of these categories has its own scoring system. The amount of temporary disability benefits depends on the amount of continuous service:

• from 6 months to 5 years - the employee is paid up to 60% of the salary;
• 5 to 8 years - 80%;
• over 8 years already 100%.

Difficulties may arisein case of loss of a supporting document, incorrect entry or its absence. But even in such a difficult case, you can defend your rights, to confirm oral information, you will need to provide employment contracts, certificates from the place of work, extracts from orders and personal accounts where the salary was transferred.

You can get the most accurate information on how to find out your length of service at your local PF office. But today there is a simpler option: since 2015, a service has appeared on the official website of the Pension Fund - a personal account, where every citizen of the Russian Federation can get all the information of interest to him. How to find out your insurance experience via the Internet will be described below.

How to find information

The system of sending so-called chain letters that existed until 2012 had many shortcomings, first of all, the security of personal data. Now on the official website of the Pension Fund online you can get the help of a consultant, make an appointment or order the necessary documents. One of the most convenient services is a pension calculator, with which any citizen can calculate the amount of future payments.

You can decide how to find out your insurance experience according to SNILS, understand the system for calculating points and track payments by the employer in the personal account section. You will need an email address, phone number and ID card to register and log in, and passport details to access some services.

Application practice

Registration on the website of the Pension Fund gives a person the opportunity to constantly receive information about the amount of payments made by the employer, find out the number of points earned, and using the pension calculator it is easy to calculate the amount of future social benefits.

The service will be useful for those who do not understand anything in the system of calculating the length of service and have not even thought about the future. Here you will receive answers to all questions related to retirement, which means you can make your own plans for the coming old age.

Notes

Practice has shown that Russian citizens are poorly informed about the procedure and form of calculating old-age pensions. Many are still wondering if sick leave is included in the insurance experience. Regulating federal laws include this period in the general meaning, but on the condition that the citizen is officially employed.

The situation is more complicated with studies, these years are counted only if a person's right to a pension was formulated before the 2002 reform

All calculations of future payments occur for a certain period (usually one year). If during this period of time no insurance premiums were paid to the PF, or it was partial, this may lead to an underestimation of the funded part. Obviously, the calculation system has many nuances and features, so for information on how to find out your insurance experience, it is better to contact the regulatory authorities.

Forecasts

Early 2017The Minister of Finance announced that this year all proposals for the reform of the pension system will be finalized and introduced into legislation. The following changes are predicted:

• an increase in the age limit, how this will happen is still unknown, options are being considered for a gradual increase in this threshold or a sharp, shock jump;
• will change the procedure for retiring civil servants;
• a new mechanism for voluntary accumulation of money will appear;
• a guarantee reserve will be created.

Obviously, global changes are coming, but the question remains how ready the citizens of the country and Russia itself are for them, and whether the next innovations will provoke another social crisis.