Advice 1: How to check the correctness of the calculation of pension

Pension the remuneration received by citizens of pension, insurance and other funds at the end of the work, upon reaching a certain age, disability and in some other cases. The state guarantees social security of pensioners, so the pensions are often revised, translated. However, there are cases of incorrect calculation. Such errors are associated primarily with human factors, imperceptible at first glance, the error in the workbook, help with the work can significantly reduce the amount of the pension. If there is any doubt about the correctness of calculation of pension should be counted.
How to check the correctness of the calculation of pension
You will need
  • Employment history;
  • Information on the amount of average monthly earnings for 2000-2001 or for any 60 consecutive months;
  • Calculator;
  • A pen or pencil;
Instruction
1
Contact your Pension Fund Office a statement to the chief with a request to verify the correctness of accrued pension since the release, with all allowances, allocations, etc.;
2
Please contact the Main Office of the Pension Fund of its region with the statement to the chief with a request to verify the correctness of accrued pension since the release, with all allowances, allocations, etc.;
3
Independently calculate the amount of the pension. Define the related coefficient, which for the insured persons is 55 percent and increases by 0.01 for each full year worked over and above specified in this paragraph length, but not more than 20%.
A woman over 20 years of experience is set to 55%, in 21 years – 56%, in 22 years – 57%. For 40 years or more – 75%(because the limit is not more than 75%);
The man behind 25 years of experience is set to 55% for 26 years – 56%, in 27 years - 57%. For 45 years or more – 75% (because the limit is not more than 75%)
4
Determine average monthly earnings. Average monthly earnings is determined by the personified accounting in system of compulsory pension insurance, or for any 60 months in a row. Grounds are documents issued in the prescribed manner by employers or municipal bodies;
5
Determine the average monthly wage in the Russian Federation over the same period;
6
Keep in mind the average monthly wage in the Russian Federation for the period from 1 July to 30 September 2001 for the calculation and increase the size of state pensions, approved by the Government of the Russian Federation. Average monthly salary in the country for the III quarter of 2001. approved by the Government of the Russian Federation for calculation of pensions, determined in the amount of RUB 1671;
7
Calculate the ratio of the average earnings of the insured person to the average wage. In the Russian Federation accounted for the ratio in the amount of not more than 1.2 (with the exception of the far North regions and equivalent areas);
8
Next, identify the estimated amount of the pension according to the formula: the related coefficient x is the ratio of monthly wages x 1671 (this is the average monthly salary in the country for the III quarter of 2001. approved by the Government of the Russian Federation for the calculation of pensions);
9
Next, determine the pension capital according to the following formula. From the calculated pension deduction of the amount of the basic part as of 01.01.2002 in the amount of 450 rubles. The amount received multiplied by the number of months of expected period of payment of old-age pension (depending on the year of assignment of pension, e.g. pension 01.01.2010 - 192 months,from 01.01.2011 - 204 months and so forth, adding 12). The resulting amount will constitute a pension capital in January 2002;
10
Define pension assets taking into account indexation on the date of the appointment as follows. Multiplying the retirement capital on the index of increase for each year from 01.01.2002 g :

2003 - 1,307

2004 - 1,177

2005 - 1,114

2006 - 1,127

2007 - 1,16

2008 - 1,204

2009 - 1,269

2010 - 1,427

2011 - 1,088
11
In the end, the size of the insurance part of the pension will be equal to the sum of the estimated pension capital divided by the period of payment of pension;
12
To the result add the amount of premiums taken into account on individual account on the date of the appointment, according to the individual (personified) accounting of the pension Fund and divided by the expected period of payment;
13
To the obtained size of pension allow the fixed base amount of insurance part (defined by the government of the Russian Federation). This will be the calculated pension
14
Compare the amount received with the amount counted to the pension Fund. If they match, it means that the pension you counted correctly, if not, ask them to count again and explain the reason for the request;
Note
If different regional factors to a salary, taken into account the coefficient to the salary, the incumbent in the area or locality for workers and employees of non-manufacturing industries;
Useful advice
For those living in the far North and equivalent areas, where there are regional factors to a salary, the ratio of the average monthly earnings of the insured person to the average wage in the Russian Federation is considered in the following sizes:
not more than 1.4, for individuals residing in these regions and localities in which wage workers installed a district factor in the amount of up to 1.5
not more than 1.7 persons living in the mentioned regions and localities in which the wage workers set a regional coefficient ranging from 1.5 to 1.8
not more than 1.9 for persons living in these areas and localities in which the wage workers set a regional coefficient ranging from 1.8 and above;

Advice 2 : How to apply for a pension on the card

Monthly for seniors, there comes a day that many are waiting for is the day of payment of pensions. Previously, they had to wait for hours at home the cashier or go for obtaining money for themselves and to stand in huge queues. At present, modern banks offer them a very convenient way to receive pension through plastic cards.
How to apply for a pension on the card
Instruction
1
If you are not yet a holder of a Bank card, you will first study the offers of the banks. Most financial institutions offer the payment plans is very beneficial for senior citizens. For example, social debit card or a savings and pension. Depending on the tariff plan you will earn monthly interest, or be granted a variety of discounts on the purchase of goods or payment of services.
2
To arrange a Bank card, contact the passport and the pension certificate to the Bank and write a statement. A Bank employee will make all the necessary operations for its execution and attaching to it the account will give you username, password, the card and the details required to be credited to her cash.
3
With these documents, as well as a passport and a pension certificate, contact the pension Fund at the place of residence. To the head in the form of the write statement in duplicate indicating the details of the Bank and account number to which you want to transfer a pension. A copy of the application keep, having asked the specialist to make a mark that documents from you taken, date, signature and stamp of the organization. This will ensure that your application will not get lost, and the pension you will be timely transferred to the card. In addition, if necessary, attach to the application a copy of the Bank transfer and your account number.
4
If you asked the pension Fund a statement on the transfer of pensions on a Bank card for a few days before the accrual of pension, it is likely you will receive it in legacy mode (in the savings Bank or through the post office). But next month pension, you will have transferred to the card.
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