To calculate the insurance part of pension it is necessary to know total length of service, monthly salary, separately until 2002 and beyond. Under seniority means the period during which the person carried out the activity, from the income which he has paid pension contributions (from 8 to 14 %).
Take citizen Pronin, 45, who has worked 25 years. His salary up to 2002 amounted to 2000 roubles, and after - 5000 rubles.
To calculate the insurance part of pension, it is necessary to know what the total pension amount Pronin earned before 2002, i.e. before the adoption of the reform. To obtain a pension in full volume in Russia a man must work 25 years and the woman 20. For this experience relies 55% of salary on account of future pensions. With this information, we get the first coefficient for calculation is 0.55.
To get the second coefficient, it is necessary to divide a salary for 2 pre-reform year (2000-2001) average salary in the country ( at that time it was 1492 RUB.):
2000 : 1492 =1,34
But by law, the earnings ratio should be not more than 1.2. this figure is the 2nd part of the formula calculations.
Factor 1.2 multiply the denominator in the third formula, the average level of wages in the country for the third quarter of 2001. According to the law, he was Ashamed 1671 RUB with the first value, it turns out this formula:
0,55 * 1,2 *1671 =1102 RUB.
From the resulting sum deduct the amount of basic part of pensions at the beginning of 2002 . It is 450 rubles.
1102 - 450 =652руб.
The resulting number is multiplied by the expected period of payment of pensions. He is 19 years or 228 months.
652 * 228 = 148 852 RUB.
This is the sum of the pension capital earned before 2002.
The total pension capital is indexed. In 2002 was adopted by the factor of 1.3. So, the earned capital is expected to increase by 1.3:
148 852 * 1,3 = 193 507 RUB.
The following part of the pension capital will count from 2002, when the salary is increased to 5000. Throughout this period the employer paid to the pension Fund of 14 % of salary. The insurance part was supposed to 12%. So for 2002, the pension capital Pronin made:
5000 * 0,12*12 months. = 7200 RUB.
After the entry of the reform into force Pronin will continue to operate for another 15 years. Accordingly, the amount of the insurance part will increase.
7200 * 15 = 108, 000.
Calculate the amount of all the capital earned as before the reform and after:
193 507 + 108 000 = 301 507 RUB.
In order to calculate the monthly insurance part, you need the whole capital divided by the expected period of benefits.
301 507 : 228 = 1322 RUB.
This will be the insurance part of pension.
If seniority is calculated after the adoption of the reform, it is necessary to consider the new rules: average salary multiplied by the ratio of pension contributions and 12 months. Received the same sum multiplied by the number of years of experience.