Minimum pension from January 1: table by region

What is the minimum pension

In the current Russian legislation there is no official concept of “minimum pension amount”.
But the concept of long-term socio-economic development of the Russian Federation for the period until 2021, approved by Decree of the Russian Government of November 17, 2008 No. 1662-r, provides that the lower level of old-age pension is established similar to the cost of living of a pensioner in the region of his residence. Taking this into account, the size of the minimum old-age pension in 2021 will be considered the minimum subsistence level. The cost of living for a pensioner is established separately throughout Russia and separately in each subject of the Russian Federation.
They will differ for residents of different regions: even in Moscow and St. Petersburg old-age pensions are different.

What about freezing funded pensions?

The term “freezing funded pensions” was first heard in our society in 2014, and, according to the head of the Ministry of Labor and Social Protection M. Topilin, this policy has already saved about two trillion rubles.

At the end of 2021, the moratorium was extended for another three years - until 2021, which, as the department plans, will allow the Pension Fund to receive another 600 billion to the budget. So, in 2020 they will continue to immediately transfer these funds to help current pensioners.

Who gets this minimum?

Recipients of the minimum pension in Russia are citizens who have work experience that is insufficient to receive a full work pension, those who have not accumulated official work experience.

Today, all those whose insurance experience is less than 10 years are assigned a social pension - a benefit designed to financially support people who do not have earned income in old age. The right to receive such a pension arises for a person under the combination of the following conditions:

• reaching a certain age: for men - 70 years, for women - 65 years (since 2021, as part of the pension reform, this age has been raised; previously it was 5 years lower);
• absence of work or other activity during which the person is subject to compulsory pension insurance.

Please note that the law sets a higher age for entitlement to social security benefits than for regular old-age pensioners.

This social benefit is small. From 04/01/2020, after the last indexation, its amount is 5284.11 rubles per month. But if the total amount of material support for a pensioner is less than the subsistence level in the region of his residence, then he is paid a social supplement from the budget up to the subsistence level.

If the regional cost of living of a pensioner, in turn, is lower than the federal one, then he will be provided with a federal social supplement. And if the regional amount exceeds the federal amount, then he will receive a regional social supplement. It is set in such an amount that the total amount of material support, taking into account additional payments, reaches the regional subsistence level of the pensioner.

Average annual pension

In 2021, the average annual insurance benefit in Russia is 14.5 thousand. In 2020 it will increase to 15.5-16 thousand. It is possible that during the year there will be other legislative changes related to the ongoing reform.

How to calculate your pension yourself in 2021?

When calculating the old-age insurance pension, the following parameters are taken into account:

• Current salary/income of a self-employed person
• Selected OPS plan
• Length of work experience;
• Floor
• Availability of special conditions (special types of professions or nature of work, large families, military service, being on maternity leave, dependent disabled people of all types and groups, loss of a breadwinner).
• Date of application for pension accrual

All this affects the number of pension points, which are the main unit of account for calculating pensions. For example, for the mother’s first child there are 1.8 points, for the second – 3.6, for the third and all subsequent ones – already 5.4 points. “Being late” with the application is beneficial - if you work for another five years after reaching retirement age, you will receive 36% more in the fixed payment and 45% more in the insurance part, and if after ten, then these figures will increase by 2.11 and 2. 32 times.

Important! The higher the salary, the higher the contributions to the Pension Fund of the Russian Federation, and the higher the amount of accrued insurance points. But, it should be understood that the 22% tariff is calculated on a maximum of 95,833 thousand rubles of monthly salary.

For example, if you are retiring in 2021, you are a woman of the minimum possible age this year under general conditions of 55.5 (56 years of age), have one child, no dependent elderly or disabled people, 32 years of experience, If you work at the maximum rate - 95,833.00 rubles, but will quit immediately after the occurrence of an insured event, then your insurance pension will be 33,259.71 rubles. This corresponds to 320.1 points.

To understand what your current length of service is and determine whether you can count on early registration of pensions, it is worth knowing that maternity leave and military service are not included in it.

Only officially recorded work activity during which pension contributions were made is taken into account, and only to the extent that they exceed the minimum wage.

Consequently, periods of “gray” work with salaries “in an envelope”, freelancing and other delights can be safely crossed out.

For reference. In Germany and the UK, they started thinking about raising the retirement age in 2007. At the same time, the Germans agreed to start implementing it earlier - from 2012 to 2024, but to add only a month per year. The British acted more radically: they delayed the start of the reform until 2024, but the pension will increase immediately for six months in each reporting period. True, everything will happen within exactly two years, as a result of which the country will reach the same retirement age as Germany - 66 years. In the USA, the problem was addressed even earlier - in 1983, and from 2002 to 2014, the pension qualification was increased annually by a couple of months, thereby rising from 65 to 67 years.

Undoubtedly, in most developed countries, the problem of a critical increase in average life expectancy and the percentage of pensioners in society has been puzzled for a long time, and they began to solve it very radically.

However, this happened in places where social assistance systems are well-functioning and functioning, forms of non-state pension provision are developed and there is high confidence in the banking system. And this is not to mention the fact that the level of income itself, the attitude of the environment towards the elderly, as well as their extremely active lifestyle for reforming the structure as a whole provided very, very favorable soil.

As for Russia, independent experts complain that despite the complete absence of all the listed necessary factors in our country, reform is still being carried out, and they fear that such shock therapy will not end well for the people.

Let us remember that over the past five years the percentage of working pensioners in the country has been steadily decreasing. Thus, in 2018, only 9.6 million people of retirement age were registered and continue to provide for themselves with their labor.

In terms of specialization, most of them are employed in leadership positions (425 thousand people), in education - 392 thousand, these are specialists in science and technology - 201 thousand, 131 thousand senior citizens work in our healthcare sector and 91 thousand in areas of culture and humanities.

What is the minimum if you have experience?

To receive an old-age pension, you must reach a certain age, have at least a minimum work experience and the required number of points. In 2021 these parameters are:

• 65 years for men and 60 for women (age increased from 2021);
• experience - 10 years;
• IPC -18.6 points.

When calculating length of service, only the time of official employment during which payments to the Pension Fund took place is taken into account.

The size of the pension directly depends on the length of service and the number of points accumulated. If they are minimal, then the size of the pension is minimal and depends on the pensioner’s subsistence level.

Unemployed – again 1,000 rubles

From January 1, 2021, insurance pensions of Russians will be indexed by 6.6%. This is not the largest figure (in 2019 they increased by 7.05%), but it is higher than inflation, which is expected to be below 4%.

As always, indexation of pensions will be carried out by increasing the value of pension points and a fixed payment:

• The cost of 1 individual pension coefficient (that is, point) increases from 87.24 to 93 rubles
• The fixed payment amount increases from 5,334.19 to 5,686.25 rubles

It is clear that everyone’s pension amount is calculated individually, but the average pension in Russia is now 15.4 thousand rubles, therefore, indexation by 6.6% will add about 1,000 rubles to it.

Pensions were indexed in approximately the same way from January 1, 2019 - the average pension increased by approximately 1,000 rubles.

That is, calculating what the pension will be in 2021 is simple: you need to multiply its current amount by 1.066.

However, pensions will not be increased by 6.6% for everyone, but only for those pensioners who:

• They receive an insurance pension (that is, not state or social)
• Does not work
• Earn more than the living wage

Social pensions will be increased later, usually increasing from April. Monthly cash payments to federal beneficiaries have been increasing since February, and working pensioners have been receiving more since August (when they get added pension points).

But for those who receive a living wage, everything is more complicated.

Minimum pension in Russia in 2021: table by region

The minimum subsistence level for a pensioner in the Russian Federation as a whole, as of 01/01/2020, is 9,311 rubles per month.

In Moscow in 2021, it was 17,500 rubles for unemployed elderly people who have lived in the capital for at least 10 years (taking into account the application of the Moscow city standard). For other Moscow pensioners, the minimum wage is calculated at the regional level and last year was 12,115 rubles per month.

As of 01/01/2020, a new minimum living wage for a pensioner in Moscow has been established - 12,578 rubles.

The largest pensions are for pensioners living in the Chukotka and Nenets Autonomous Okrugs (19,000 and 17,956 rubles, respectively), in Kamchatka (16,543 rubles) and in the Magadan region (15,460 rubles), which is due to the high cost of food in these regions.

The northern capital cannot keep up with Moscow and Chukotka - the minimum pension in St. Petersburg is equal to the Russian average and in 2021 is 9,311 rubles. According to PFR forecasts, in 2021 it was planned to increase its size to 9,476 rubles, but this did not happen.

Full list of regions with the cost of living for a pensioner:

Amount of social pension for disabled people

Social pension is a benefit for vulnerable categories of citizens. Disabled people, disabled children and disabled dependents due to the loss of a breadwinner are entitled to it.

Its sizes vary by category and are set annually on April 1 in a fixed amount. From April 1, 2020, social pensions were indexed by 1.061% and in 2021 are:

• 5284.11 rub. — disabled people of group 2 (except for disabled children);
• 5284.11 rub. - children under 18 years of age (up to 23 with full-time education) who have lost a breadwinner - one of the parents;
• RUB 12,681.08 — disabled people of group 1 since childhood, disabled children;
• RUB 10,567.73 — disabled people of group 2 since childhood;
• RUB 10,567.73 — disabled people of group 1;
• RUB 10,567.73 - children under 18 years of age (up to 23, studying full-time) who have lost both parents;
• 4491.30 rub. - disabled people of group 3.

If the amount of the social pension is lower than the regional subsistence level of the pensioner, then a social supplement is assigned.

What else can you expect?

The cost of living is constantly growing - in this regard, experts predict that pension payments will increase regularly and inevitably. The level of the minimum pension next year, in their opinion, will be 9-9.2 thousand. On average in Russia it will increase by a thousand rubles.

At the same time, experts doubt that additional payments will somehow improve the well-being of older people on a well-deserved retirement. Old-age benefits, as before, will not be enough for basic needs - inflation will “eat up” the increase.

Additional payments and allowances

In 2021 their size will be:

• For dependents - 1,895.42 rubles each. for each (but not more than three)
• For work in the Far North - 2,843.13 rubles, in equivalent regions - 1,895.42 rubles.
• For rural experience - 1,421.56 rubles.

Some regions of the country use a special regional coefficient (RC), by which the assigned pension is increased. For example, if a citizen is given a payment of 20,000 rubles, then, depending on his place of residence, he will receive:

• Republic of Mordovia – 20,000 rub. (RK – 1)
• Udmurt Republic – 23,000 rub. (RK – 1.15).
• City of Vorkuta, Komi Republic – 32,000 rub. (RK – 1.6)

When changing place of residence, pension payments are recalculated taking into account new regional coefficients. For example, if a citizen moved from Mordovia to Udmurtia, his pension will rise from 20,000 to 23,000 rubles.

Increase in payments to federal beneficiaries

Certain categories of pensioners (disabled people, participants in the liquidation of the Chernobyl nuclear power plant accident) are additionally entitled to a monthly cash payment and a set of social services included in it.

NSU is a social package that includes the provision of medicines, sanatorium vouchers with travel to the place of treatment. A set of services can be obtained in monetary terms.

These benefits will be indexed on February 1, 2021. The table shows how additional payments to some federal beneficiaries will change:

Increasing social and state pensions

Indexation of benefits of this type will take place on April 1, 2021. All types of social pensions will be increased by 7%:

• According to the age. Increase from 5,283.85 to 5,653.72 rubles.
• For the loss of a breadwinner. For example, for a child who has lost both parents, the payment will rise from 10,567.73 to 11,307.47 rubles.
• Due to disability. The pension of a disabled person of group I will increase from 12,681.09 to 13,568.77 rubles.

The increase will affect payments for state pensions, which are received by astronauts and disabled people in military service. The exact amount of the increase is calculated individually for each recipient.

Indexation of social old-age pension in 2020

We have already figured out that the minimum pension in Russia is equal to the subsistence level of a pensioner in a particular region. And it is not indexed like other pensions. But regions have the right to annually review the cost of living (which they do). It grows little by little, and the pension grows with it.

This can hardly be called fair growth. For example, in St. Petersburg, this figure from the 1st to the 3rd quarter of 2021 increased by almost 100 rubles - from 9221.70 to 9303.80 rubles. But, nevertheless, there is movement.

What will the pension amount be from 2021?

According to the Minister of Finance, Mr. Siluanov, starting next year, pensions will grow annually by at least 6%. This figure exceeds

predicted inflation indicators, and fits into the strategy of gradually bringing the standard of living of Russian pensioners to the indicators of providing for older people in developed countries of the world. In concrete terms, for now – until 2024 – this is plus a thousand every year. And in 2020, the nominal amount of the pension should be no less than 20,000 rubles.

The growth of pensions, which is faster than inflation, should ensure a gradual increase in the retirement age according to the new reform, as well as the freezing of the funded part.

And the government calculated that if this unpopular measure had not been adopted, then, taking into account economic realities, in 2024 they would have paid pensioners a third less in proportional terms than now.

There are plans for the future to increase the pension amount to 40% of the salary before entering it.

When the pension is increased

Pensions are increased in three cases:

• during indexing. The coefficient is set by the Russian government at the beginning of each year;
• due to recalculation. For working pensioners it is carried out annually on August 1, for non-working pensioners - at the request of the pensioner, if there are grounds for recalculation;
• by increasing the regional cost of living of a pensioner. The increase occurs annually from 01.01.

It follows from this that we expect the next increase after 2021 on 01/01/2021.

Leveling system in action

Despite any reforms being carried out in Russia, a system of equalization in matters of social security is still present. A person who has not worked all his life and has not paid taxes, upon reaching a certain age, has the right to apply for a monthly subsidy from the state in the amount of the subsistence level of a pensioner in the region. And a person who worked all his life, but received a small salary, will receive almost the same amount - the minimum old-age pension will be similar.

Humanely? Without a doubt. But is it fair?

About the author of the article

Yulia Didukh Accountant, commercial lawyer, editor-in-chief of the channels “Legal Council”, “Veteran of Labor” and “Man in Uniforms at School” on the Yandex platform. Zen

Promotion schedule

There are several increases in retirement benefits for 2021.

The graph looks like this:

1. January - the insurance pension was subject to a planned indexation for unemployed persons by 6.3%;
2. April - social pension increased by 7%;
3. August - payments for working pensioners will be revised (279 rubles will be added);
4. October - indexation of military pensions by 4%.

If the benefit amount does not reach the minimum, the pensioner has the right to claim a social supplement. Its size has been increased since January 2021.