Is an old-age pension entitled in the absence of work experience?

Right to old age pension without length of service

According to the new reform, in order to retire in old age, you need to reach the established retirement age and have a certain amount of work experience and accumulate the required number of pension points.
For 2021, these figures are equal, for men 60.5 years. For a woman – 55.5 years. At the same time, they must have at least 10 years of work experience and accumulate 16.2 points.

In 2024, these values ​​will be set at the level: men 65 years old, women 60 years old, work experience 15 years, number of pension points 30.

If an individual reaches the established age, but does not have the required number of years of work experience or pension points, then he can also receive an old-age pension, but without experience.

What if there is no work experience? Is the citizen entitled to a pension? Yes, and it's called social. It is paid when a person does not have the required amount of work experience.

There are several such cases - survivor's benefits, which are paid to dependents:

• if the insured person has died and does not have the required number of years of work experience;
• if a person has been assigned a disability group and, due to lack of ability to work, has no work experience;
• the person has never earned the established required work experience.

In old age, the state provides assistance and pays pensions even to those people who have no work experience. Its size is small, in 2019 it is 5,283.84 rubles. In addition, in each region a minimum subsistence level is established, and additional payments are made up to its value.

There are conditions for receiving this pension. A person should not work. He must live in Russia. For foreign citizens, the period of residence in Russia must be at least 15 years.

How to get a pension without work experience

To receive a social old-age pension for citizens who have not worked all their lives or have little insurance (work) experience, they must:

• Do not carry out labor activities (that is, do not officially work anywhere and do not make deductions of insurance contributions to the Pension Fund of the Russian Federation).
• Reach the retirement age established for old-age social pension payments (see the stipulated standards).

The age at which such benefits can be received is set 5 years later than the generally established retirement age for old-age insurance payments. From January 1, 2021, the age standard for insurance coverage is gradually increasing. Therefore, such a reform will also apply to citizens who do not have the required work experience or have never worked at all.

Until the end of 2021, without having any experience, it was possible to become a pensioner at 60 for women and 65 for men. As a result of the pension reform, these standards increased by 5 years .

Types of pensions in the absence of work experience:

Insurance

According to current legislation, upon reaching a specified number of years, a person becomes entitled to receive an insurance pension.

It is paid based on the employee’s insurance record and the number of accumulated pension points. The size of each such pension is calculated individually for each person based on the indicators available to him.

Persons with at least one day of work experience also receive an insurance pension, calculated based on available data. However, they can choose between insurance and social if the amount of the latter is greater than the security calculated by the Pension Fund.

Social

Many people do not know what to do if they do not have enough service for a pension, and they think that they will not be paid at all.
But they will receive a social pension. This pension is paid by the state if a person does not have the necessary criteria for receiving an insurance pension.

The difference between insurance and social pensions

Let's take a closer look at the differences between social and insurance pensions:

• Insurance is assigned for the number of years actually worked by a person. Social – as a measure of support in the absence of work experience.
• The size of the insurance pension is usually higher than the social pension. Since it is calculated based on contributions made by the employer, and not from the minimum wage established by the state.
• Both pensions are subject to indexation annually, but the percentage of recalculation is for the insurance pension. In 2021, for the insurance pension it was 7.05%, for the social pension 2.4%. At the same time, the indexation of the insurance pension is carried out in February, and the social pension in April.
• You can receive an insurance pension when a person reaches the age established by law. In 2021, for men it is 60.5 years old, for women it is 55.5 years old. After completion of the reform, these indicators will be 65 years and 60 years, respectively. A person becomes eligible for a social pension five years after the established age, if he has no work experience in 2021, only at 65.5 years for men and 60.5 years for women.
• The insurance pension is paid to the citizen until his death, the social pension - if the conditions are violated, it may be suspended.

Payments

If there is no work experience, what will the pension be? It is important for pensioners to know how much they can count on if they have never had a permanent job. The pension is small (3600), and it is unlikely that you can live well on it. But don’t panic, because you can count on some increases.

1. Every year the pension is calculated anew so that the amount does not lag behind inflation. For example, in 2021, after recalculation, pensioners can count on payments equal to 8,600 rubles. This amount is higher than the minimum subsistence level in Russia.
2. In some regions you can expect premiums, especially if you live in disadvantaged conditions. The pension also increases when a citizen reaches 80 years of age.

If, after the final calculation, it turns out that the pension is below the subsistence level, the citizen can count on additional payments. There is a benefit that is intended for non-working pensioners.

Will there be a pension if living conditions change? The social pension can be canceled if a person moves to another country, receives a second citizenship, or gets an official job. At the same time, the insurance pension in such cases continues to be paid, because it is calculated somewhat differently. You can only receive a social pension when you are in your home country. While you are working, you are not entitled to pension benefits from such a plan.

Many people are concerned about the question: if a person did not work, will he have a pension? Nowadays, they often take unofficial jobs, which means they cannot count on regular pension payments. A pension without work experience is intended for non-working citizens, even if it is slightly lower than usual. The unemployed are paid a fixed amount, because there is no work experience, as well as tax payments to the state. To receive social benefits, you need to prepare documents.

Retirement age without work experience in 2021

A person also has the right to receive a social pension upon reaching the age established by law. However, there is no transition period for it. Therefore, in 2021, you can apply for an old-age pension in the absence of work experience, if the man is 65 years old and the woman is 60 years old.

This rule does not apply to pensioners belonging to small-numbered peoples of the north.

A pensioner can apply for a pension in 2021 if he turns 60.5 or 55.5 years old. However, it will only be paid when the recipient turns 65.5 years old and 60.5 years old, respectively.

An important condition for its appointment is that the pensioner does not have a permanent place of work. As well as residence in the country.

Early retirement benefits for mothers of many children are available only if they have the required work experience. You will not be able to retire early from your social pension.

Under what conditions is an insurance pension awarded in 2021?

Starting in 2015, a new formula for calculating pension benefits began to be used. All calculations boiled down to obtaining the total number of points and converting them into the final amount. An additional condition for receiving government payments was the calculation of length of service.

Expert opinion

Polyakov Pyotr Borisovich

Lawyer with 6 years of experience. Specialization: civil law. More than 3 years of experience in drafting contracts.

Only if he had the required number of years could a citizen count on receiving a monthly payment upon reaching the legal age level.

This is important to know: Accrual of pension points for Soviet service in 2021

In other words, to answer the question of whether a particular citizen is entitled to an insurance pension, you will need to determine:

• the applicant’s work experience, during which all mandatory contributions to the Pension Fund were made;
• using a standard formula, calculate the total number of points earned by a citizen and compare them with established standards;
• check documents confirming that the citizen is old enough to retire.

An important point is that some citizens may go on vacation early. This point should also be taken into account when determining a citizen’s right to government payments. You can learn more about the possibility of receiving insurance benefits from the video:

News and changes in 2021

In 2021, the social pension is expected to be indexed in April. The planned level of pension recalculation should be 7% with an inflation rate of 3%. Therefore, the size of the social pension from 04/01/2020 will be 5653.72 rubles.

It is planned that in 2021 there will be an increase in the number of federal subjects that will provide regional additional payments to the social pension. There are currently 16 entities participating in this program, with 15 more to join in 2021.

The opportunity to apply for a social pension will be available to persons who turn 66.5 years old for men and 56.5 years old for women in 2020.

It is important to remember that the transition period for using the MIR payment system ends in June 2021. Therefore, from July 1, 2020, it will be possible to receive social pensions only on cards of the MIR payment system.

What will be the pension if there is no work experience?

Disabled citizens who have no or little work (insurance) experience are assigned social old-age pension payments. The same type of security is paid to persons who do not have the required number of pension points to receive old-age insurance payments. Russians are granted this right on the basis of clause 5, part 1, art. 11 of Law No. 166-FZ of December 15, 2001

• The amount of social pension for persons without work experience is established by clause 1, part 1, art. 18 of Law No. 166-FZ. For example, in the period from 04/01/2019 to 04/01/2020 (until the next planned indexation), the payment amount for such citizens is 5283.85 rubles.
• For those living in regions of the Far North or areas that are equivalent to the KS, this benefit amount is additionally increased by the regional coefficient. Its value is determined depending on the area of ​​residence of the pensioner.

This is important to know: Application for confirmation of work experience: sample 2021

Payment amount for those who did not work

The predetermined amounts of social pension for those who did not work are shown in the table below:

How to apply for an old-age pension without work experience?

Required documents

To apply for a social pension, you do not need a large number of documents.

The following forms must be collected and provided:

• Application for a social pension;
• A document to confirm the identity of a citizen (passport, residence permit, etc.);
• Documents to confirm other circumstances (for example, a certificate stating that the citizen belongs to the small nations of the North).

Contacting the Pension Fund

A citizen can apply for a pension at any time when he becomes entitled to it. You must contact the Pension Fund branch at the citizen’s place of residence, at the place of his actual location, using the MFC or the postal service

The law establishes that a citizen can submit documents for a pension in several ways:

• In person to the Pension Fund branch;
• Through a representative under a notarized power of attorney;
• Through the employer;
• By filling out an application on the State Services website;
• By filling out an application in your PFR personal account.

After reviewing the documents, the pension will be assigned from the 1st day of the month in which the citizen applied for it. But not before the citizen had a real right to a pension.