If the experience is very short, a person will not be left without payments after reaching the retirement age. He will be given a small social pension. But its size is very small, so you should not rely on this amount. While there is an opportunity, it is better to try to form for yourself a more worthy monthly state support.
Those citizens who have no experience at all will receive a social pension. But it should be noted that the age for obtaining it for unemployed citizens is increased. In addition, one should not rely entirely on government payments - reforms are still continuing, and it is possible that soon the entire system will begin to undergo global changes.
What should be the smallest length of service for a pension?
Legislation sets a certain level for eligibility for old-age pension benefits:
- for men, the age for determining and calculating pension payments is 60 years,
- for women, the lowest age is set at 55.
Citizens of the Russian Federation who have reached this age bracket will also need to earn:
- insurance experience in the required amount,
- work experience, formed while engaging in certain types of activities or on other grounds.
The shortest work experience for receiving a pension in Russia
If recently the least seniority for the opportunity to go to retirement was 5 years, now this is no longer the case. After 2015, pension points were introduced into the calculation system. Every year, the smallest period that is required for registration of state payments increases by a year.
Northern seniority required for retirement
Pensions upon reaching the age of some categories of persons are assigned ahead of schedule. Among them are citizens with experience gained while working in the northern regions. For the right to a “northern” pension, the age of citizens must be 50 for women and 55 for men, provided that they have worked in the Far North for at least 20 years. Early retirement is possible for men 50 years old and women 45 years old, if with permanent residence in the northern regions they worked for 25-20 years as fishermen, reindeer breeders, hunters.
Civil servants should have at least 15 years of experience - until 2016 this served as a sufficient basis for assigning payments, then the requirements increased.
Rules for calculating and confirming the insurance experience
The counting is done by carrying out certain operations that will help to find out the number of points earned by a person. When determining the values, various periods can be included in the insurance experience (Article 10 of the Federal Law No. 400) - from sick leaves to living abroad as a spouse or spouse of an employee of a state organization sent there for business reasons.
In the form of supporting documentation, work books and contracts, salary statements and certificates issued by the employer are often used.
What if there is not enough seniority?
If the available experience is not enough to assign a pension to a citizen, there is still a way out of this situation. You can get extra points by performing some operations. Today there are paid and free options that help you get an add-on to special points.
Most often, the paid option is used by spouses, one of whom does not work. At the same time, the second can conclude an agreement with the PF and pay insurance premiums for the spouse in accordance with Art. 29 of the Federal Law. In this way, you can pay for an increase in the insurance experience of a part of the points used for assigning a pension.
You can increase the number of points without paying anything by obtaining leave to care for a small child, a disabled person, or a disabled person. When caring for children, a period of one and a half years is taken into account, in general, this period cannot be more than 4.5 years (recalculation is carried out in accordance with Federal Law No. 457).
Determining the approximate amount of a pension in our time is available with the help of special programs - pension calculators. But do not count on the exact amount that the program will show. To determine the amount of monthly pension, it is better to contact the employees of the Pension Fund. The higher your official salary, the more likely you are to receive a decent pension once you reach the appropriate age.
