Pensions for mothers of many children under the new law in 2021

Those mothers who have given birth and are raising three or more children are considered to have many children. The state values ​​such women and provides them with financial support in old age. The benefits under the law on the pension of a mother of many children concern not only additional benefits, but also the future pension of a woman with many children.

Who can claim benefits?

Various support measures, which include early pensions for mothers with many children, are assigned only on the condition that certain requirements established at the legislative level are met.

Federal legislation does not have a clear definition of what kind of family is considered to have many children. Therefore, the basic conditions are established only at the regional level. Most often, a woman is considered to have many children if she is raising more than two children who are minors. It does not matter whether the children are natural or adopted.

What concessions are offered?

If a woman is raising three children, she can count on the following types of assistance from the state:

• provision of free medications intended for minors;
• admission of children to different preschool or school institutions out of turn;
• free meals are offered at school and kindergarten;
• School uniforms and textbooks are provided free of charge.

A preferential pension for a mother with many children raising three children is awarded only if she has at least 20 years of experience. If a woman worked in the Far North, then according to Federal Law No. 400, the required work experience is reduced to 12 years.

If there are at least 4 children in a family, then a confirmed experience of at least 15 years is required.

Basic conditions

Early pensions for mothers with many children in Russia are granted only if the following conditions are met:

1. Raising three or more children under 8 years of age. Additional concessions are offered to women living in the Far North.
2. Having a minimum insurance period. It is equal to 15 years, and when raising children, the insurance period includes 1.5 years, but a maximum of 6 years is included. Therefore, a woman can raise children for 6 years, but to obtain the required experience, she must officially work for at least 9 years.
3. Accrual of the required number of points. Their calculation is slightly different for women raising children. When caring for the first child, 1.8 points are awarded, and when caring for the second baby, the points increase to 3.6. When caring for subsequent children, the scores increase to 5.4.
4. Reaching the age of 50 years. Only at this age can a woman count on early retirement. If she has several reasons for receiving her pension early, then she can use only one option.

If at least one of the above conditions is not met, then the woman cannot count on early receipt of her pension. At what age will a mother with many children be able to count on her? The process can only be carried out at age 50, so the retirement age is reduced by 5 years.

Retirement age for women with many children in Russia

According to the law in force in Russia, in 2021, mothers who have given birth (adopted) and are raising five children . They can apply for benefits at the age of 50 , if the youngest of them is 8 years . A woman who has three or four children is deprived of privileges.

In 2021 and after changes in legislation, the situation was softened and the conditions were made more flexible. only three children will be able to retire earlier . The limit for receiving benefits decreases with each child born and raised. At what age does a mother of many children retire is a question that requires detailed consideration.

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Preferential retirement age for mothers with 3 children

In accordance with the new law, the retirement age for this category of citizens will be reduced by three years . There are a number of conditions necessary to retire earlier than expected.

• Children are born/adopted and raised by their mother until they are 8 years old .

Attention! Children in respect of whom the parent has been deprived of parental rights or whose adoption has been canceled are not taken into account.

• Work out the required length of service to assign a pension benefit.

Important information! Since 2015, this figure has been increasing and now stands at 9 years . It will reach its maximum value by 2024 and will be equal to 15 years .

The table shows how much experience will be required to receive benefits in the remaining years.

• Accumulate the required number of points.

The standard value of the individual pension coefficient is also gradually increasing from 6.6 in 2015 to 30 in 2025 .

The specific meaning of each stage will become clear from the table.

Failure to fulfill any of the above conditions deprives the mother of her rights until the required values ​​are achieved.

Important! The increase in age will occur gradually and will take a certain period of time, called transition. During the transition period, mothers with many children will not immediately be able to take advantage of the right: the period for them to retire will be the same as for the main category of citizens. Only when the general standard retirement age stops at 58 years (in 2023), mothers with three children will be able to retire a year earlier ( at 57 years ).

At what age a mother of three children will be able to apply for transitional benefits can be found in the table.

Pension for a mother of many children with 4 children

For a woman with four children, the right to retire will come 4 years earlier, i.e. at 56 years old . The conditions for reducing the retirement age will be the same as for a mother with three children.

Citizens will be able to take advantage of the preferential right and receive pension payments only from 2021, six months earlier ( at 56 years ), when the standard age for the rest of the country’s residents will be 56.5 years .

The table below shows the specific boundaries for the start of pension provision for a mother of four children at all stages of the transition period.

Note: a mother with many children, who will apply for a pension next year, will not be able to take advantage of this privilege, because... The standard for reaching retirement age will be 55.5 years , which is below the minimum ( 56, 57 ).

Pension for a mother of many children with 5 or more children

For mothers with 5 children, the old rules for payment of benefits will apply, which were adopted back in the USSR and remain relevant to this day. The pension eligibility limit will remain the same and will be 50 years , which is provided for in Article 32 of the Law “On Insurance Pensions” .

Conditions for obtaining preferential rights:

• work experience corresponding to the required minimum, and IPC;
• At the time of registration of the benefit, the youngest child must be 8 years old.

Note! Children who do not live with their mother are also taken into account when receiving benefits. An adopted child will be taken into account when assigning benefits if he is already 8 years old. It does not matter how many years the adoptive mother has been raising him. Deprivation of parental rights after the appointment of preferential payments is not grounds for cancellation.

Documents required to apply for a pension for a mother of many children

The payment is assigned after the following documents are submitted to the Russian Pension Fund:

• application of a future pensioner;
• passport of a citizen of the Russian Federation;
• children's birth certificates;
• a child who died after reaching 8 years of age will also be taken into account for the benefit, so a certificate of his death will be required;
• documents on experience: certificate from employers, work book;
• documents (if any) on the level of wages during the period when insurance premiums were not deducted (before 2002);

Institution staff may require documents confirming that all children have reached the age of 8 years. This can be a child’s birth certificate with a note on receipt of a passport, a certificate from school, a certificate F - 9 on the date of application indicating the data in it.

The period for reviewing documents is limited to 1 month . After this time, a benefit is assigned.

Benefits for mothers of many children upon retirement

The state takes care of the institution of the family and provides large families with a number of benefits and additional payments:

• child benefit;
• regional family capital;
• monthly cash payment for up to 3 years at the birth of the third baby and subsequent ones ;
• tax benefits in the form of a refund of part of the amount spent on the purchase of necessary children's things;
• benefits for paying for housing and communal services;
• priority registration of children in preschool educational institutions.

The main privilege that mothers can count on is the right to early pension payments.

Pension amount for a mother with many children status

The amount of deductions for this category is calculated in the same way as for the general population and consists of 2 parts .

1. Fixed payment : its exact size depends on the region of residence and category of the recipient. The standard amount is 4982.9 rubles .
2. Insurance part. It is assessed by points into which deductions made for a working citizen are translated. In 2015, the IPC began to be applied to the calculation of payments. It is calculated based on the length of service and the amount of insurance contributions made by the employer.

The formula for calculating pension provision (PP) looks like this:

PO = IPC * cost of one point + fixed payment.

Note: 1 pension point in 2021 is equal to 81.49 rubles.

Periods of childcare (not more than 6 years cumulative) can be converted into additional points:

• 1st - 1.8 points;
• 2nd – 3.6 points;
• 3, 4, 5th - 5.4 points for each.

Thus, a mother who raised five children can count on receiving 21.6 points in addition to the IPC. The accrual of these additional values ​​will be considered an addition to the monthly payment.

The indicated IPC values ​​are assigned for 1 year of maternity leave . If the mother was on parental leave for 1.5 years, then the score increases and will be:

• for the first child – 2.7;
• behind the second – 5.4;
• for the third, fourth and subsequent ones - 8.1.

Let's look at a specific example of calculating benefits.

A pensioner born in 1968 with five children is retiring in 2021. The insurance period was 28 years (including periods counted towards the length of service). During her employment, she was awarded 74 points .

The periods when the pensioner was on maternity leave were converted into points:

• a year and a half behind the two older ones – 2.7+5.4=8,1
• one year after the others – 5.4*3=16,2

In total, the sum of additional points was 24,3.

Pension calculation: 98* 81.49+4982.9=12968,92

According to Rosstat, the average pension as of July 2021 was equal to 14,100 rubles .

Are mothers of many children entitled to a pension supplement?

The presence of children will not affect the size of the pension in any way: the fixed payment will be the same amount as for most citizens; The amount of the insurance portion is calculated individually and will depend on the length of service.

Note! A woman with many children can count on bonuses on a general basis.

• If a pensioner, upon reaching the preferential age, has minor children or full-time students in educational institutions ( up to 23 years ), then her old-age benefit increases: an increased amount of a fixed payment is accrued for a dependent family member ( no more than 3 ). So, if the standard fixed payment amount is 4,982.9 rubles. , then for each dependent there is an increase of 1,660.97 rubles .
• A pensioner will receive an increase in benefits upon reaching the age of 80 : the fixed part will be doubled .
• In case of disability.
• If there are disabled family members who need third-party support (group I disabled people).
• For delayed retirement.
• To future pensioners who lived and worked in the Far North or in territories equivalent to them.

Retirement of fathers with many children (are the conditions different from mothers)

Fathers with many children cannot retire before the standard age. The benefit limit for them will be 65 years (excluding the transition period).

However, it is possible to transfer the benefit. A father can exercise this right if his children do not have a mother or if she officially refuses to receive a preferential pension. The conditions of pension provision for the transferred benefit are:

• required work experience;
• required IPC;
• presence of at least 5 children or one with disabled status.

Conclusion

Retirement of mothers with many children, according to the new law, provides preferential rights for mothers with three and four children . These categories of citizens will have the opportunity to receive a pension earlier in 2021 born in 1965-1966 will be able to retire .

Women who will have given birth and raised five children by the time they reach retirement age will be able to receive their first benefit at age 50 . This article of the law will not change in any way.

Who else can count on early retirement?

Benefits for mothers of many children allow women to enjoy various preferences from the state, significantly simplifying their lives. At the same time, early pension is assigned not only to those who raised at least three children, but also to the following categories of citizens:

1. Women working in the Far North. They can raise only two children, but they must have at least 20 years of experience. Additionally, they must work in the Far North for at least 12 years. If a woman works in areas equated to the Far North, then they must have at least 17 years of experience in this territory. Under such conditions, it is possible to retire at age 50.
2. Parents raising a disabled person since childhood. You can only count on the benefit if the child is over 8 years old. A father can retire at age 55, and a woman can make a payment at age 50. But their experience must be 20 and 15 years.
3. Guardians of disabled people since childhood. For them, for every 1.6 years of guardianship, the retirement age is reduced by one year. But in total, such a reduction should not exceed 5 years. A man must have 20 years of experience, and a woman must have worked officially for at least 15 years.

All of the above citizens must independently take care of obtaining the relief, which requires collecting a certain package of documents confirming their status. Additionally, they prepare an application, to which is attached a certificate indicating the presence of the required status for obtaining assistance from the state.

At what age do women and men retire?

The age that gives the right to receive an old-age insurance pension in Russia is 60 years for women and 65 for men (Part 1 of Article 8 No. 400-FZ of December 28, 2013). Previously, these values ​​were 5 years less - 55 and 60, respectively. The changes were introduced by Law No. 350-FZ of October 3, 2018.

• New standards (60 and 65) are not established immediately, but only after the stipulated transition period - after 2023.
• During the period 2019-2022. The retirement age will increase gradually - one year per year.

In the first two years of the reform, the law provides for the opportunity to receive a pension six months ahead of schedule (Article 10 of Law No. 350-FZ). This applies to those citizens who will turn 55 and 60 years old in 2021 and 2021.

The change in retirement age during the transition period can be illustrated by the table:

Note: * - age is indicated taking into account a reduction in the retirement period by six months under the provided benefit.

Retirement table by year of birth

To determine when a man or woman will retire depending on the year of birth, you can use the table below:

The table shows that:

• Intermediate retirement ages are set for women born in 1964-1967 and men born in 1959-1962.
• Women born in 1968 and men born in 1963. Pensions will be paid according to the final age - 60 and 65.

We note that according to Art. 10 of Law No. 350-FZ, the retirement age is not increased for citizens who, before January 1, 2021, reached the old age standards (55 and 60 years), including those established on preferential grounds, but did not apply for a pension on time. The same rule applies if retirement age has been reached, but there are not enough points or length of service to assign pension payments.

What documents are required?

The pension of a mother of three children is assigned exclusively on an application basis, so she must independently take care of obtaining the necessary status and registering the pension. To do this, the necessary package of documents is collected, which includes the following papers:

• a correctly drawn up application indicating a request to apply for an early pension based on your existing official status;
• a copy of the passport confirming that the woman has Russian citizenship and has reached the optimal age for retirement;
• SNILS plastic card;
• work book and other documents confirming that the woman has the necessary official experience;
• documents containing information about the pension coefficient, which can be obtained exclusively at the regional branch of the Pension Fund;
• copies of birth certificates or passports of all children in the family;
• documents on adoption of children;
• certificate of a mother of many children, issued in advance and issued for one year.

Based on these documents, a decision is made regarding the possibility of assigning an early pension. The age of a mother with many children must reach 50 years.

Pension Fund employees often have numerous questions, so they may require additional documentation from the applicant confirming certain facts. Often it is necessary to involve witnesses at all. Fund employees check the accuracy of the documents received within three months. After this, a decision is made, and if the pension is actually assigned, then the funds are paid indefinitely.

Where to apply for a pension

The assignment of insurance pensions, both for old age and on preferential terms, is carried out at the Pension Fund Client Service at the woman’s place of residence. To assign a pension, you must provide a certain list of various papers:

• application for early (preferential) assignment of pension benefits;
• the applicant’s passport (if a proxy acts on behalf of a mother of many children, you will also need a power of attorney and a passport of the proxy);
• SNILS;
• documents confirming length of service if the woman worked before 2002;
• documents confirming the presence of children;
• Documentary evidence of the upbringing of children under 8 years of age.

If the need arises, the PFR inspector may request other documents. If they are provided at the request of specialists within 2 months from the date of application, the date of assignment of the pension will not change. A woman’s pension will begin to accrue from the date of her application.

Calculation rules

Every woman raising three children thinks about what kind of pension mothers with many children are entitled to. Its size depends on various factors, which include:

• the amount of accumulated contributions made to the Pension Fund in the process of official employment;
• duration of existing experience;
• number of points;
• cost of one point.

Points are accumulated exclusively when a woman is officially employed. They are calculated on the basis of funds transferred to the personal account in the Pension Fund. It is the points that influence what monthly payments a woman can receive after retirement. Even amounts received before the new pension reform came into force are converted into points. After retirement, a mother with many children can count on a payment, the size of which depends on these points.

Pension reform for mothers of many children from 2019

The reform, which began on January 1, 2021, affected the retirement age for mothers with three and four children. Initially, the law assumed that mothers with 3-4 children in 2019 and subsequent years would retire in the same way as women with fewer children. However, on September 6, 2018, the President introduced softening amendments to the bill to the State Duma. In particular, he proposed reducing the new retirement age by 3 and 4 years for mothers with 3 and 4 children.

Here are three important amendments to soften pension reform for women from Vladimir Putin:

• The age for registering pensions for everyone will be raised to 60 years (and not to 63 years, as originally proposed).
• Mothers with many children with 3 children can retire 3 years earlier, and with 4 children - 4 years earlier than 60 years old (that is, at 57 years old and 56 years old, respectively ).

All of these presidential amendments together and each individually will have a positive impact on the conditions for obtaining an insurance pension for people with many children (compared to other Russian women who gave birth and raised less than 3 children or are childless altogether).

Calculation process

To calculate the pension, a fixed payment and an insurance part are taken into account, which depends on the individual indicators of each citizen.

The fixed payment in 2021 is equal to 4997.32 rubles, and it is the same for all applicants. The insurance part depends on numerous factors, which include the length of the insurance period, as well as the cost of one point, currently equal to 81.49 rubles.

Work experience is influenced by two significant factors, which include the existing calendar length of service indicated in the citizen’s work book, as well as the total amount of funds transferred to the Pension Fund and equal to 22% of the woman’s salary.

Pension calculations are carried out by the direct employees of the Pension Fund, but each woman can independently check the correctness of the results obtained. To do this, you just need to use the online calculator located on the official website of the Pension Fund or on the State Services portal. To do this, enter data on insurance experience, salary and other parameters. An automatic calculation is then performed to determine whether the correct amount is being assigned to the woman.

Pension size for a mother with many children

The pension of a mother of 5 children (or any other mother with many children) depends on 2 indicators:

• duration of transfers of funds to the Pension Fund;
• amount transferred to the Fund.

The specific amount is 22% of wages, but only if the woman does not form the funded part of the pension. If savings are formed, then only 16% of earnings are sent to the insurance account.

The insurance pension is the amount formed by a fixed payment and individual capital, expressed in a point account. The amount of the fixed payment is set by the state. In 2021, the PV is RUB 5,334.19. The number of points accumulated is multiplied by the cost of 1 point. In 2021, 1 point costs 87.24 rubles.

The funded pension depends on both the amount of savings and the procedure for their payment. This type of pension can be paid for life, urgently (but not less than 10 years) or in a lump sum. The specific amount that a mother of many children will be able to receive in retirement depends entirely on the amount that has been accumulated in the savings account, including taking into account income from investing funds.

Reasons for refusal

Refusal can be due to various reasons, and a mother with many children should find out about them on her own. How many children do you need to raise to count on such a measure of support? To do this, you need to raise at least three children, and various benefits may be additionally assigned by regional authorities.

Usually the refusal is due to the following reasons:

• a woman is deprived of her rights to children;
• all necessary documents were not submitted to the Pension Fund;
• there are errors in the application;
• the woman does not have the required work experience;
• the youngest child is not yet 8 years old;
• The applicant has not reached the required age.

PF employees are required to draw up a written notice sent to the woman. This document contains information about the reason why an early pension was not granted to a mother with many children. If the reason is the lack of necessary documentation or errors in the application, then such violations can be easily corrected, after which the required package of documents is resubmitted to the Pension Fund.

The procedure for calculating insurance length and pension points

Currently, when calculating the pension amount for families with many children, pension points set separately for each year are taken into account. To receive a pension, women must obtain at least 30 points and have a minimum of 15 years of insurance experience.

The amount of pension points is calculated based on the size of the mother’s salary and the contributions paid by her employer to the Pension Fund of the Russian Federation. The total pension period includes the time spent caring for a child up to one and a half years. The time spent on parental leave should not exceed 6 years (one and a half years for each child).

In this case, the number of points is multiplied by the time spent on vacation:

• with the firstborn - 1.8 points;
• with a second child – 3.6 points;
• with a third child – 5.4 points;
• with a fourth child - 5.4 points.

Thus, without working, a mother with many children can earn 24.3 pension points. For the purposes of accounting for time spent caring for children: including it in the length of service and assigning early pensions, women need to work.

Payment amount

Despite having a large family, the amount of payment is related only to the size of the salary and the amount of insurance coverage. Unchangeable fixed minimum payment amount – 4,982.90 rubles. Pension coefficient – ​​81.49 rubles. The pension of a mother with many children cannot be lower than the subsistence level of a constituent entity of the Russian Federation.

Where to apply for a pension

Mothers with many children can apply for a pension:

• to the client services of the Pension Fund of the Russian Federation departments at the place of residence;
• to branches of the MFC - “My Documents” departments at their location;
• by submitting an application online through the government services portal.

Conditions of appointment

Registration of an early pension is possible if certain conditions are met, depending on the place of work and residence. For mothers living in the central regions of the country and over 50 years of age:

• the number and age of children (including adopted children) should not be less than 5 people, and the youngest should be 8 years old;
• the insurance period must be 15 years or more;
• number of pension points – not less than 30;
• The mother's age must be at least 50 years (or 45 years if working in a hot shop).

For mothers working in the Far North:

• number of children – from two people;
• work experience - at least 12 years (or 17 years in areas equated to the Far North), it should be taken into account that the period of study or being on parental leave is not included in the northern work experience;
• pension points – at least 30;
• The mother's age must be at least 50 years (45 years if employed in fishing and reindeer herding teams).

What other types of support are offered?

Additionally, the state offers other benefits to mothers with many children at the federal level. These include the following types of support:

• obtaining maternal capital, which can be used to purchase a new home, increase the mother’s pension or educate children;
• discount when paying for housing and communal services;
• increasing compensation for kindergarten fees;
• assignment of compensation for travel on public transport;
• children are enrolled in kindergarten out of turn;
• large families can count on receiving a plot of land intended for the construction of a private residential building;
• a woman can be transferred to a shorter working day at her place of employment;
• Tax deductions increase significantly for parents raising three or more children.

But the most significant measure of support for many women is the opportunity to retire before the deadline established by law. This is due to the fact that mothers with many children have to spend a lot of effort and patience raising children. How many children do you need to have to receive government assistance? To do this, it is necessary to raise at least three children in a family, and the kids can be natural or adopted.

How to apply

The Pension Fund considers the application within 10 working days. In case of refusal to assign a pension, the applicant is notified indicating the reasons for the refusal.

You can receive your pension through post offices or to a bank account. The pensioner must write an application to choose the method of receipt.

If you change your place of residence, you must inform the Pension Fund and write a request to transfer accruals to another address.

Pensioners themselves are responsible for the accuracy of the information provided.

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Regional support

Each region is interested in improving the birth rate, so women who have given birth and raised more than two children can even count on concessions granted by regional authorities. To obtain information about what support measures you can count on, you must contact the social protection authorities. The woman must have with her a certificate confirming that she is a mother of many children.

In some regions, a second pension or special allowance is even granted. Such benefits are issued exclusively on an application basis. To do this, you need to prepare a certificate for a mother of many children and documents for all children. Additionally, local authorities may require other documents.

The most significant support is considered to be the opportunity to receive free housing if the family lives in unsuitable conditions. To do this, it is important that at least 10 square meters are allocated per family member. m. Additionally, this includes living in poor sanitary conditions or living with a person suffering from chronic diseases. If these conditions are met, then parents can count on a free apartment or housing subsidy based on the waiting list.

Latest news from the State Duma, what officials propose

The demographic situation in the country still remains one of the most pressing topics discussed in the Government today. Supporting families with children and improving their standard of living is the basis of the state’s social policy. Thus, legislators consider the possibility of introducing “paternity capital” to be one of the most effective measures capable of stimulating the population to have a second and third child. Its value should be equivalent to the maternal one, which is 453 thousand rubles.

In addition, the LDPR bloc initiated the idea of ​​strengthening state support by tying it to per capita income in large families. This program is also reflected in the new bill. Deputies insist on reducing utility rates for this category of citizens by 50%. And although doubts remain that the proposal will be supported by the Government, such a benefit already exists in some regions of the federation - there, housing and communal services fees are halved if the income per member of such a family is less than one and a half times the subsistence level in a given region.

And one more thing, a proposal from senators, which will undoubtedly be popular if adopted by the State Duma of the Russian Federation. The tax deduction for the education of children of parents with many children should be increased to 100,000 instead of the current 50,000 rubles in 2021.

Let’s look at what else is reflected in the officials’ new project in more detail.