In 2002, the government launched a new reform, radically changing the system of calculating pensions.
It is not easy to understand it.
But people who in 20-30 years will experience the results of this law, it is important to know by what principle they will calculate the insurance part of their pensions.
To calculate the insurance part of a pension, it is necessaryKnow the total length of service, the monthly salary, separately before and after 2002. Under the term of employment refers to the period during which a person carried out activities from whose income he paid pension contributions (from 8 to 14%).
Take Citizen Pronin, 45, who has worked for 25 years. His salary until 2002 was 2000 rubles, and after - 5000 rubles.
To calculate the insurance part Pensions, it is necessary to know which general pensionThe amount Pronin earned before 2002, that is, before the adoption of the reform. To receive a full pension in Russia, a man needs to work 25 years, and a woman of 20. For this length of service, 55% of the salary is due to the future pension. Thanks to this information we get the first coefficient for the calculation - 0.55.
In order to get the second coefficient, it is necessary to divide the salary for the two previous reforms of the year (2000-2001) by the average salary in the country (at that time it was 1492 rubles):
2000: 1492 = 1.34
But by law, the ratio of earnings should be no more than 1.2. This figure will be the 2nd component of the calculation formula.
The coefficient 1,2 is multiplied by the third denominatorFormulas - the average level of wages in the country for the third quarter of 2001. According to the adopted law, it was 1671 rubles. It is known with the first value, the following formula is obtained:
0.55 * 1.2 * 1671 = 1102 rubles.
From the received sum we subtract the size of the base part of the pension at the beginning of 2002. It is 450 rubles.
1102 - 450 = 652руб.
The resulting number is multiplied by the expected period of pension payment. He is 19 years old or 228 months old.
652 * 228 = 148,852 rubles.
This is the amount of pension capital earned before 2002.
The total pension capital is indexed. In 2002, the coefficient was 1.3. Means, the earned capital should increase by 1,3:
148 852 * 1,3 = 193,507 rubles.
The following part Pension capital will be considered from 2002, when the salary increased to 5000. During this period the employer paid 14% of the salary to the pension fund. On the insurance part It was 12%. Means for 2002 pension capital Pronin has made:
5000 * 0.12 * 12 months. = 7200 rubles.
After the introduction of the reform into force, Pronin will continue to work for another 15 years. Accordingly, the amount of the insurance part will increase.
7200 * 15 = 108,000 rubles.
We calculate the total amount of capital, earned before and after the reform:
193,507 + 108,000 = 301,507 rubles.
In order to calculate the monthly insurance part, It is necessary to divide all the capital into the expected period of payments.
301 507: 228 = 1322 rub.
This will be the insurance part Pensions.
If the length of service is calculated after acceptanceReforms, it is necessary to count according to new rules: to increase the average salary by the pension contribution coefficient and for 12 months. The resulting amount is multiplied by the number of years of service.