How to find out your insurance record? What is the length of service and what does it include? Calculation of insurance period

In Russia, everyone has long been accustomed to the phrase "pension reform", in recent years, almost every year the government makes some changes in the legislation. The population does not have time to follow all the reforms, and in fact awareness in this sphere is extremely necessary, sooner or later any citizen is forced to wonder how to find out his insurance record and make a pension.

History of appearance

The introduction of this definition into circulation is connected with the continuation of the reform, begun in 1996. Since that time, the gradual establishment of individual registration of citizens in the overall pension system has been taking place. One of the levels of reorganization is insurance length of service. ФЗ from 01.04.1996 and 16.07.1999 №165 give different interpretations of this concept, because of which there is some contradiction.

The first law does not mention labor activity at all, the second has a more precise formulation, but it leaves a lot of questions about what insurance experience is in reality. Contradictions in the definitions allow you to take into account even the time when a person did not work officially, and there were no transfers to the PF.

Definition

The length of service is the total number of the periods of a person's work for life, during which the insurance premiums were paid regularly by the employer or IP. In addition, it also includes a time when the necessary deductions could not be:

• Supervision of a child up to a year and a half;
• Being on the stock exchange, with the confirmed status of the unemployed;
• Care for a disabled person or a person over 80;
• Participation in public activity, paid in special order;
• Time of residence abroad of spouses of diplomats.

Calculation of the length of service depends on several factors: the duration of work in years, and also the peculiarities of working conditions: harmful, severe, climatic, etc. The coefficient of accrual for the general and special length of service is different, sometimes it is very difficult without professional legal assistance to understand the classification of one or another Type of activity.

What is the difference from the labor

What is the length of the insurance experience is much easier to understand if we draw an analogy with the term "working pension" that is customary for us, since 2015 it has become obsolete and is applicable only to people whose calculations are carried out before 2002. Since 2003 , All payments will be calculated from insurance premiums.

Special pension coefficients and scores are used for evaluation, and each year work will be analyzed separately.

Who is eligible to receive

So far, there have been no revolutionary changes in the procedure for granting pensions to citizens of the Russian Federation. The measures planned by the government to increase the age limit for obtaining social security from the state have not yet been adopted, although the draft law is being actively developed.

Thus, in 2017, women who have reached the age of 55 and men in the age of 60 can receive old-age pensions that are due to him. Those who are already close to this age need to hurry up and try to study in detail all information on how to find out their insurance experience . In addition, since 2015, the state has defined a gradual increase in the period of working activity for the population, it will occur gradually until it reaches 15 years.

Existing species

Classification of labor output depends on the quantitative and qualitative characteristics of the service, where the first - all the time when there were deductions, regardless of the activity, and the second reflects the features of production.

1. The total length of insurance is the total duration of employment, during which part of the proceeds was redirected to the Pension Fund of Russia. In addition to the main working hours, other periods are included that are recognized by law, such as childcare for up to three years, or the passage of emergency service.
2. Professional length of service is the total duration of work activity associated with severe or harmful conditions in the workplace or in an unfavorable climate.

The procedure for calculating old-age pensions is difficult for an uninitiated person to understand, but every citizen should understand the principles of calculating his future social security. Moreover, today the issue of how to find out your insurance experience is quite resolved. This can be done at the local branch of the PF, as well as on the official website of the organization.

Features of calculations

Future social payments to Russians are formed in the system of mandatory pension provision. The procedure for calculating the length of service is established by federal law of 17.12.2001 No. 173-FZ (amended on 19.11.2015). Payments are appointed and implemented in the form of an urgent, one-time or funded pension.

Calculation of the length of insurance is made based on calendar values, in case of coincidence of periods, a citizen has the right to choose one of them. All accruals are recalculated into special points, their number depends on the monthly payments by the employer to the PF. These values are indexed by the state each year according to the existing inflation. And if you apply for a pension not immediately in the due time, and later, the size of the insurance points will increase significantly.

For persons who independently provide themselves with earnings, and this may be members of farms, as well as representatives of small Siberian peoples, periods of necessary length of service are calculated on the condition that they regularly contribute part of their income to the Pension Fund of the Russian Federation. The same rule applies to individual entrepreneurs.

Accounting for non-insurance periods

Legislation provides for exceptional cases in which a person could not make regular contributions to non-state funds for a good reason. For such persons, the state has established its system of calculating insurance points:

• One year of urgent service - 1.8;
• Care for a disabled person, a person over 80 years old - 1.8;
• Maternity leave with the first child - 1,8;
• With the second - 3,6;
• With the third and fourth - 5,4.

And the period of education of the fifth child in the total length of service is no longer included. It is not easy to make all calculations on your own, because many people have a question about how to find out their insurance experience. Today it can be done without even going out of the house, the hotline runs around the clock in the PF Russia, and all the information is on their official website.

How to find out your experience

You may need this information not only when you leave for a well-deserved rest, but also when calculating a sick list. For each of these categories, there is a system of calculus. The amount of the temporary disability allowance depends on the amount of continuous service :

• From 6 months to 5 years - the employee is paid up to 60% of the salary;
• From 5 to 8 years - 80%;
• Over 8 years already 100%.

Difficulties can arise if you lose a confirming document, an incorrect entry, or a missing entry. But even in such a difficult case, you can defend your rights, to confirm oral information you will need to provide employment contracts, job references, extracts from orders and personal accounts, to which the salary was transferred.

The most accurate information on how to find out your insurance experience, you can get at the local branch of the PF. But today there is a simpler version: since 2015, the official website of the Pension Fund has a service - a private office, where every citizen of the Russian Federation can get all the information that interests him. About how to find out your insurance experience through the Internet, will be described below.

How to find information

The system of sending out so-called happiness letters until 2012 had many drawbacks, first of all, it is the security of personal data. Now on the official website of PF on-line you can get the help of a consultant, make an appointment or order the necessary documents. One of the most convenient services is a pension calculator, with the help of which any citizen can calculate the amount of future payments.

Solve the question of how to find out your insurance experience by SNILS, understand the system of calculation of points and track payments by the employer, you can in the section of the personal cabinet. To register and sign in, you will need an email address, phone number and ID card, and some services will have passport data.

Practice of application

Registration on the Pension Fund website opens the possibility for a person to constantly receive information about the amount of payments that the employer makes, to know the number of points earned, and with the help of a pension calculator it is easy to calculate the amount of future social benefits.

The service will be useful for those who do not understand anything in the system of calculating the length of insurance and have not even thought about the future. Here you will receive answers to all questions relating to retirement, which means that you can make your own plans for the coming old age.

Notes

Practice has shown that Russian citizens are poorly informed about the procedure and form of calculating old-age pensions. Many are still wondering whether the hospital is an insurance employee. Regulatory federal laws include this period in general, but on condition that the citizen is officially employed.

The situation is more complicated with studies, these years are only counted if a person has the right to a pension before the 2002 reform.

All calculations of future payments occur for a certain period (usually one year). If, however, during this period of time, payment of insurance contributions to the PF was not made, or it was of a partial nature, this could lead to an underestimation of the funded part. Obviously, the counting system has many nuances and features, so it is better to contact the controlling authorities for information on how to find out your insurance record.

Forecasts

In early 2017, the Minister of Finance announced that this year all proposals for reforming the pension system will be finalized and introduced into the legislation. The following changes are projected:

• An increase in the age limit, as it happens, is still unknown, options for gradual growth of this threshold or a sharp, shock shock are considered;
• The order of retirement of civil servants will change;
• A new mechanism for voluntary accumulation of money will appear;
• A guarantee reserve will be created.

It is obvious that the changes are coming global, but the question remains, how ready are the citizens of the country and Russia for them, and whether another innovations will provoke another social crisis.