This material is updated 28.01.2021
knows what to count on
Pension legislation in Russia reformed several times. because of It seems that it is confusing and understand it is impossible.
In this article, I will tell you how to calculate the amount of pension on a special formula.
Old age retirement is charged by the rules that are set:
- Federal Law of December 15, 2001 № 167-ФЗ "On compulsory pension insurance in the Russian Federation".
- Federal Law of December 28, 2013 № 400-ФЗ "On insurance pensions."
- Resolution Government of the Russian Federation From 02.10.2014 No. 1015 "On approval of the rules for calculating and confirming the insurance experience to establish insurance pensions."
- Federal Law of December 28, 2013 № 424-ФЗ "On a cumulative pension."
- Federal Law of 08.12.2020 № 389-FZ "On the expected period of payment of a storage pension for 2021".
- Federal Law of July 24, 2002 No. 111-FZ "On Investing Funds to Financing a Cumulative Pension in the Russian Federation".
- Federal Law of 07.05.1998 No. 75-FZ "On Non-State Pension Funds".
According to these laws, the Pension Fund determines the duration of the insurance experience, the value of the individual pension coefficient and the size of the future pension.
For civil servants, military, cosmonauts, pilots and their relatives, the pension is charged on another law - federal law of 15.12.2001 № 166-ФЗ "On state pension provision in the Russian Federation".
How to find out the size of the future pension
State labor pensions in old age consists of two parts: insurance and accumulative. The total pension is considered as:
Labor pension in old age = insurance pension + accumulative pension.
To calculate the size of the future insurance pension, you need to know:
- The duration of insurance - labor - the experience, which includes not only spent years, but also socially significant periods: service in the army, care for children, disabled, elderly relatives, accommodation with his spouse in a place where there was no work.
- The amount of wages before the deduction of the NDFL in each spent calendar year.
- Retirement year. This is especially important if a person is going to retire not immediately at 65 or 60 years, and later.
- Individual retirement factor for each spent year and in total - for the entire labor life.
- The cost of an individual pension coefficient for retirement year.
- The size of the fixed part of the insurance pension, which is set for a retirement year.
All this data must be substituted in the pension calculation formula:
SP = IPK × SPK + (FV × kVFV),
where the joint venture is the size of an old-age insurance pension;
IPC is an individual pension coefficient;
SEC - the cost of one pension coefficient - a score - as of the day, which is appointed an inlets in old age. SPK for 2021 is 98.86 Р;
FV - fixed payment for insurance pension, for 2021 - 6044,48 Р;
KVFV is a coefficient of increasing FV, which is used in deferred to appeal to the insurance pension.
Accumulative pension - These are no longer the coefficients that the state considers according to its rules, but real money. They are called pension savings. Part of the pension contributions from the employer from 2002 to 2013 remained in your account in the Pension Fund of the Russian Federation - of which pension savings were formed.
Since 2014, the authorities have introduced a moratorium: frozen the accumulative part of the pension. All insurance premiums began to go to the formation of an insurance pension. The moratorium is valid until the end of 2022. Accumulative pension from the employer contributions is now not formed by anyone. But those money that managed to accumulate, remained for you and make an increase in the insurance pension.
To find out the size of the monthly accumulative pension, it is necessary to divide the pension savings on the number of months of the expected period of payment. The expected period is the standard, in 2021 it is 264 months.
Suppose Oleg is retired in 2021. He earned 100 points IPK, and he has 264 thousand rubles of pension savings. Delay decided not to take, but come out immediately, therefore QFV = 1. . Then the monthly pension of Oleg will be:
6044,48. Р+ 98,86. Р× 100 + 264 000 Р/ 264 = 6044,48 Р+ 9886. Р+ 1000. Р= 16 930,48. Р.
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Individual pension coefficient
Individual pension coefficient, IPC is the number of points that is given for the worked calendar year.
Calculation of individual coefficient Comes by formula:
Ipcus = (IPKS + IPKN) × k,
where IPKS is an old individual pension coefficient, that is, the amount of points that man scored until 01.01.2015;
IPKN is a new individual pension coefficient, that is, the amount of points, recruited after 01.01.2015;
K is an increase in the IPC, which is used when delaying the appeal to the pension.
The value of the IPC in one calendar year depends on the amount of contributions that the employer listed in the FIU for its employee. It is considered by the formula:
IPK = (s / nsv) × 10,
where sts are the amount of insurance premiums paid by the employer for the employee,
NSV is the regulatory size of insurance premiums.
Regulatory amount of insurance premiums You also need to calculate: the limit value of the base for calculating insurance contributions to multiply by 16%. The limiting base of contributions annually establishes the Government of the Russian Federation. In 2021, it is 1,465,000 Р.
It turns out that NSV in 2021:
1 465,000 Р× 16% = 234 400 Р
Additional pension points They are not allowed for a worked year, but for socially significant periods of life.
Examples of periods for which pension points give
|Insurance period (full calendar year)||Number of pension points|
|Service in army||1,8.|
|Passing for the disabled person of the first group||1,8.|
|Care for the elderly older than 80 years||1,8.|
|Disabled child care||1,8.|
|Accommodation with spouse-servicemen in a place where there was no work||1,8.|
|Accommodation abroad with a spouse-diplomat or consular employee||1,8.|
|Care vacation for the first child up to one and a half years||1,8.|
|Care vacation for the second child up to one and a half years||3.6|
|Care vacation for the third and subsequent children up to one and a half years||5,4.|
Service in army
Number of pension points
Passing for the disabled person of the first group
Number of pension points
Care for the elderly older than 80 years
Number of pension points
Care Analysis child
Number of pension points
Accommodation S. spouse-serviceman in place where there was no work
Number of pension points
Accommodation abroad with Spouse-diplomat or consular employee
Number of pension points
Care vacation for the first child up to one and a half years
Number of pension points
Care vacation for the second child up to one and a half years
Number of pension points
Care vacation for the third and subsequent children up to one and a half years
Number of pension points
These points are also included in IPS and IPKN, depending on when an event occurred.
Ball value Each year approves the legislator. For the period from 2019 to 2024, the cost of points is approved by federal law. № 350-ФЗ :
- C 01.01.2020 - 93 Р;
- from 01/01/2021 - 98,86 Р;
- from 01/01/2022 - 104.69 Р;
- from 01/01/2023 - 110.55 Р;
- C 01.01.2024 - 116.63 Р.
Conversion to the points "old" pension rights. "Older" pension rights - those that were accumulated until 01.01.2015 - automatically converted to points.
Two periods of labor activity were converted separately:
- From 2002 to 2014.
- Until 2002.
The IPCs accrued during these periods can be requested through the Personal Cabinet on the PFR website.
Fixed part of the insurance pension
The pension includes a fixed payment, so for its calculation you need to know the size of this payment.
For all, besides disabled people, persons without dependents or without the right to early pension, in 2021 fixed payment set in the amount of 6044.48 Р. Next she will grow:
- from 01/01/2022 - 6401,10 Р;
- from 01/01/2023 - 6759,56 Р;
- from 01/01/2024 - 7131,34 Р.
If the old age pension refer later, and not upon reaching the retirement age, then when calculating the raising coefficients of IPCs and FV are used.
The size of the premium coefficients depends on the "delay" of the appeal.
What coefficients are used if they did not immediately apply to the pension
|Number of months from the day of the retirement age||The increase in IPC||The increase in profit factor|
|Less than 12.||1||—|
Less than 12 months from the day of the retirement age
12 months from the day of the retirement age
24 months from the day of the onset of retirement age
36 months from the day of the retirement age
48 months from the date of retirement age
60 months from the day of the retirement age
72 months from the day of the retirement age
84 months from the day of the retirement age
96 months from the day of the retirement age
108 months from the day of the retirement age
120 months from the day of the retirement age
How the pension is accrued
Insurance pension in old age is charged on the basis of three conditions.
Age. Since 2028, men at the age of 65, women - 60 years old will be retired. In 2021, the retirement age for women is 58 years old, for men - 63 years old. But in the second half of 2021, the right to retire occurs in women at 56 years and 6 months and men in 61 and 6 months, because the transitional period is installed for them.
Experience. Since 2024, the insurance experience in the future pensioner should be at least 15 years. Now, in 2021, 12 years old.
Number of IPCs. In 2021, a future pensioner is enough to have 21 points, but in 2024, pensioners should have at least 28.2 points, and in 2026, and further from 30 points.
Only under the observance of these conditions, the pensioner will be able to receive an inching pension in old age. Otherwise, he will have to wait for another 5 years and to contact an old-age social pension, which is much less insured. The sum of social pension establishes the state.
How to calculate a pension
After determining the duration of the insurance experience, the number of IPCs, the value of one pension point, the amount of fixed payment for the year of retirement can be processed to the calculation of the future pension.
Formula of calculation Insurance pension is this:
SPS = IPK × STPK + FV,
where the SPT is an old-age insurance pension;
IPC is an individual pension coefficient;
STKK - the cost of the pension coefficient;
FV - fixed payment.
This formula needs to substitute your data. As a result, it will turn out the amount of the insurance pension, which will receive a pensioner on the hands.
Example of calculation. Take the conditions for 2024 and we will be transferred 33 years ahead - in 2057, when women who started working at 18 years old - in 2015, retirement age has been reached - 60 years.
Suppose, Anna worked for 30 years at the factory, gave birth to one child, was on leave to care for a child up to one and a half years and received 40 thousand rubles salary. Anna began to work after 2013, so he fell under a moratorium on a storage retirement. Suppose he continued to act until 2057. Consequently, the pension savings at Anna is not - only the insurance pension.
First, we consider the number of points that Anna earned for the entire labor life.
Insurance payments for each year the employer listed in the amount of:
40,000 Р× 12 × 16% = 76 800 Р.
For each worked year, Anna received:
76 800. Р/ 184,000 Р× 10 = 4.17 points.
For 30 years spent, Anna has accumulated:
4.17 × 30 = 125.22 points.
To "Labor" points need to add scores for child care:
125.22 + 1.8 (1 calendar year) + 0.9 (half a year) = 127.02 points total.
Cost 1 point - 116.63 Р. We consider:
127.02 × 116,63. Р= 14 814,34. Р.
They will add fixed payment to them - 7131.34 Р. Total pension leaves 21 945.68 Р.
Calculation of pensions in people who work unofficially. If it is unofficial, not to pay insurance premiums to the FIU and not to gain the right number of points, you can only issue an old-age social retirement. You can only go on it for 5 years later than retirement age. From 2028, men from 2028, women - in 65.
In 2021, the social pension in old age is 5606.15 Р. This amount from the budget adds as much as not enough, so that the pensioner receives a regional living on a pensioner.
How to find out the amount of pension savings
Accumulative pension add to the insurance pension, if a person has formed pension savings. All information on pension rights and accumulations are in the personal account of the FIU. You can get it, ordering an extract.
How to increase the size of the future pension
There are three ways to increase future retirement.
Purchase pension points. If from an extract from the personal account it became clear that pension points are missing, they can be purchased. To do this, add voluntary insurance premiums to the FIU. You can buy up to half of the required insurance experience - no more than 15 years.
Getting a maximum contribution to the salary. From 2021, a maximum of 10 points can be obtained for a worked year.
In 2021, the limit value of the base for the calculation of insurance premiums is 1,465,000 Р. This amount or more needs to be obtained for the year to gain 10 pension points: on average 122 084 Рper month. Insurance premiums with these wages will allow you to dial the maximum IPC.
Search for additional future income. Money can be put on a deposit to the bank, open Jes, invest in real estate. Each of these tools will bring additional income in the future. T-zh. Already wrote, how to accumulate to old age, if you do not believe in a pension.
Increased pension for entrepreneurs - Especially the current question. For payment of fixed insurance premiums, they are accrued to a little over 1 point, due to This IP receive a pension in the minimum sizes. Therefore, entrepreneurs advise especially carefully read the selection T-zh. About retirement.
How to calculate old age pension
- Calculate your insurance experience.
- Find out the number of accumulated pension points.
- Find out the cost of the pension score and the size of a fixed payment for a retirement year.
- Take into account benefits and premium coefficients if they have the right.
- Substitute data to the calculator on the PFR website or calculate the pension manually.
In accordance with the legislation, each working Citizen has the right to expect to retire to material support in old age.
However, its size of unequal for various categories of pensioners, since it depends on the set of factors, the main one is the individual pension coefficient (IPC).
What is an individual pension coefficient?
To give an accurate definition of IPCs, it is necessary to preliminarily understand some of the features of the Pension System of the Russian Federation in terms of the formation of the relevant rights of citizens.
So each A working citizen is necessarily registered in the Personified Accounting System of the OPS, Having a special insurance number of the personal account.
Reference! Previously, the main confirmation of the participation of a citizen in the Program of Mandatory Pension Insurance served as a Green Card, which was obliged to have every citizen of Russia (without it, for example, it was impossible to get a job). From April 1, the mandatory issuance of plastic evidence is discontinued, which, however, does not cancel the fact of registration of a citizen of the OPS system, which occurs automatically.
During the implementation of direct labor activities for the employee, certain funds are made - insurance premiums. They are directly related to the size of the wage, which is established by the employment contract, since they are calculated in percentage of it. All incoming funds for an individual account of a citizen in the FIU are transformed into pension points. having a certain cost. Actually, the number counted according to special methods is the IPC.
The conversion of pension rights to points occurred after a large reform of 2015, the main result of which the insurance pension was the primary method of material support, while the concept of "labor pension" disappeared from the official turnover, as well as previous methods of its counting.
Points are formed only by enumerating employers with the "white" salary. Working unofficially and receiving earnings "in the envelope", a citizen cannot count on a decent amount of pension provision in old age.
In addition to insurance premiums, some special periods affect the size of the IPC, during which the employee does not directly fulfill the labor function, but its insurance experience is not interrupted.
All together these periods can also be taken into account in the aggregate.
The value of IPK
The IPC is a parameter reflecting the amount of pension rights of citizens, and has a numerical expression in the form of points. In addition, the value of the IPC directly affects the very possibility of appointing the appropriate material support
So, in 2019, the general value of the IPC, which must be scored, is 16.2 . However, this indicator is not final. In connection with the next reform initiated by the Government of the Russian Federation and began in 2019, the requirements are tightened not only to the age of retirement, which increases every year, but also to the figures of the IPC.
Starting from 2019, the minimum value of the coefficient will become more than 2.4. After 2025, when the current reform is completed, the coefficient value will be 30.
In the absence of the necessary value of the IPC, the pensioner will not be able to qualify for an insurance pension, but only on social payments in old age.
Attention! On the size of the social payment, the value of the coefficient does not affect, since in this case there are other mechanisms, principles and grounds for calculating and accrual.
There is also the maximum limit of the accumulation of points for the year. It is influenced by the method of forming pension savings. If contributions are sent only to the insurance part, then the maximum that can be accumulated is 9.13. If the employee forms in addition to the insurance, the accumulative part, then the maximum is 5.71.
These figures are given only for 2019. For the time that the reform will last, the maximum coefficient under consideration will increase.
What is the effect of IPK
In addition to the ground for the receipt of the insurance pension, IPC is an important parameter defining and, actually, the size of insurance payments. To understand how the IPC affects this factor, the following formula for calculating the pension used in Russia should be given:
SP = IPK * SIPK + FV.
SIPK - Cost of score.
FV - Fixed payment.
Each pension score is expressed in a monetary meaning, in rubles. In addition, every year its indexing occurs, that is, an increase. Its cost in 2019 is 87.24 rubles. FV in the same year is 5334.19 rubles.
An example, how much will be:
A citizen at the time of reaching the age of retirement has a coefficient of 40. Thus, the amount of its pension provision will be:
40 * 87.24 + 5334,19 = 8823.79 ruble.
To calculate the IPK is used, takes into account several parameters at once, such as:
- the number of points to changes in 2015;
- the number of points scored from the moment the new law is introduced;
- Raising coefficients.
Citizens whose insurance experience began to flow earlier than 2015, the volume of pension rights was recalculated in the IPC automatically.
IPC is, in its essence, the base for counting the insurance type pension. It is from this parameter that its future size depends, as well as the possibility of its design itself. The accumulation of pension points occurs during the entire period of work , but only if the employer referred to the employee's relevant contributions.
We offer watch video on the topic:
A year ago, a new meaning was added to the pension reform - Individual pension coefficient (hereinafter referred to as IPC) . The essence of it in the following - the workflow of a potential pensioner is now rated in points. But how is it worth calculating the pension on the basis of a new concept and what size of the IPC should take into account when determining the size of the pension? We will understand these and other issues in this material.
What is IPK?
IPK - This is a value that is used to calculate the pension to the elderly from 2015. IPK Determine each spent reporting period, while the amount of insurance deductions in the FIU (Pension Fund) takes into account.
So, to obtain a high level of pension payments to young people need to do the following:
- earn at least 10 points by 2021;
- Salary should be high (from 15,000 rubles) and official;
- Common experience - from 15 years.
The concept of IPCs and pension points have the same value!
Each year, the authorities determine the cost of 1 point - changes occur twice a year: February 1 and April 1. February 1, 2017 plan to establish a cost of 77.3 rubles.
If the IPC value does not reach the minimum indicators, the elderly citizen will pay only a social retirement.
Learn more about retirement points you canhere
Norm of pension coefficient
In 2015, the IPC rate was established for the formation of a pension - 6.6. But every year IPC will increase by 2.4 points. Consequently, the calculations will be such:
- 2016 - 9;
- 2017 - 11.4;
- 2018 - 13.6.
The increase will be made up to 2025 to the maximum indicator - 30 points.
When determining IPCs, maximum points for the current year will be calculated.
For example, a citizen earned in 2017 12.5, and the maximum value is 11.4. Consequently, the increase is made on the number of points established by the government, nothing more!
The maximum value of the coefficient
The country's government sets the maximum parameters of the IPC value. In 2016, he amounted to 7.83. The increase will occur annually of the year as follows, up to 2021:
- to 10 - 1 group of persons who have no accumulative part (hereinafter LF);
- up to 6.25. - For citizens of the second group, forming accumulative deductions.
Currently, the maximum indicators for the first group are 7.39, and for the second - 4.62.
For a more detailed presentation of information, we propose to study the following table on the maximum indicators of the IPC below:
|Retirement||With deductions on the NF||Without deductions on the NF|
When calculating, only the maximum indicators established by the state take into account. For example, a citizen earned 9.9 points for 2017, but state bodies will consider only 8.2 points (if there were no deductions on the LF).
The increase in IPC
The IPC enhancement factor is used in the following cases:
- when pension deductions are prescribed later than the prescribed retirement period;
- An employee of the company on his own will refuse to appoint a pension (even early) in old age;
- Refusal to appoint a pension with the loss of the breadwinner.
The coefficient is calculated from the beginning of 2015 and to the day when a citizen decides to obtain relevant pension payments.
The size of the raising coefficients can be found in Appendix No. 1 to the FZ-400 dated December 28, 2013.
Calculation of pension payments
To calculate pensions using IPCs, the following formula must be applied:
IPK * Sipk * K + FV * K = pension amount
- IPC - the number of pension points for the entire period of labor activity;
- SIPK - the cost of the pension coefficient (in 2017 - 11.4);
- To - increasing coefficients (indicated in Appendix 1 FZ-400);
- FV is the size of fixed payments, in 2017 is 4741 rubles.
To determine the total number of IPCs, you need to initially make the following calculation:
IPK = sch / s
- SC - the insurance payments of the employer for the entire period of work excluding FV and LF;
- C - the cost of 1 point approved at the time of the calculations (in 2017 - 77.3 rubles).
Citizens can calculate the future pension easier by the online calculator, which can be found on the link www.pfrf.ru/calc/. To calculate the pension, you must add the following values to the table: year of birth;
- salary size (official);
- the number of juvenile children;
- work experience;
- Pension option.
But such calculations are exemplary indicators of the future pension, since to determine the final amount of retirement payments, professional skills of the FIU employee will be required.
In conclusion, I would like to note that the following factors affect the size of the future pension:
- Availability Official posts in the enterprise;
- experience more 8 years ;
- The size of the busting part is not less 15,000 rubles ;
- attainment retirement age.
And it's easier to consider pension, see this video.
Consequently, to obtain a decent pension, it is necessary to have not only all of the above indicators at a high level, but also to understand in all values, especially in a new concept called IPK.
Legal instructions 9111.ru will tell that such an individual pension coefficient, how to find out its value and how IPCs is used when calculating an old-age insurance pension.
What is an individual pension coefficient?
IPC is the value, on the size of which the presence or absence of the right to receive an insurance pension depends. All pension deductions performed by a working citizen are recalculated into points, taking into account the duration of insurance experience, non-medical and other values, depending on which IPC calculation formula is applied. The insurance pension is appointed a citizen who has reached the retirement age and having a certain insurance experience, if the value of its IPC in 2018 is at least 8.70. Every year this value is gradually increased by 2.4 until it reaches 30.
The value of the CIPC citizen is determined on the day of reaching the retirement age (with early retirement - on its establishment) and reflects the pension rights of citizens who have arisen before and after joining January 1, 2015, by virtue of the Federal Law "On Insurance Pensions", also IPC can be determined for each calendar year since 2015. Twice a year, the Government of the Russian Federation establishes the cost of the pension coefficient (1 point), however until January 1, 2019, the effect of this norm (CC. 20-22 Article 15 of the Federal Law N 400-FZ) was suspended. When determining the value of the IPC, you need to know the cost of one point as of the day from which the Insurance Pension In Old Time is appointed. Also taken into account points scored for each year. In 2018, the cost of 1 pension score - 81 rubles.49 kopecks.
How to calculate the magnitude of the IPK himself?
When calculating the number of pension points, a particular citizen is used by the general formula for determining the value of the IPC for the day, from which the Insurance Pension Pension is appointed: IPK = (IPKS + IPKN) * CFP, where IPKS is an IPC value for the period until January 1, 2015, and IPKN - After this date. CFP - an IPC increase coefficient, which is used to delay the appointment of the insurance pension. To calculate IPKS and IPKN, the calculation formulas are also used, with which it is rather difficult to understand a non-specialist, but at the same time information from the FIU about the magnitude of the IPC and all its components is easily obtained by several ways.
To calculate IPKS, it is necessary to divide the size of the insurance part of the citizen's labor pension as of December 31, 2014 on the cost of one pension coefficient as of January 1, 2015 (64.10 rubles). To calculate the size of the old age pension for the periods starting from 2015 (IPKN), the sum of all coefficients for each year (IPKI, see Junction), starting in 2015, and the coefficients for the periods included in the insurance experience (child care up to 1.5 years, etc.). This amount is divided by the cost of one score as of the day of the prescription of the pension. The CFM value is set using Appendix 1 to the Law "On Insurance Pensions", where the numerical values of the IPC enhancement coefficients are given, which are established depending on the number of full months, which have expired from the day the right to an old-age insurance pension, including those appointed early.
If the right to receive an insurance pension arose after January 1, 2015, the formula of the annual IPC (IPKI) is applied, which allows you to determine the number of pension points for each year: (Svod, I / NSVG, I) X 10, where sonar, I - the amount of insurance contributions to the formation of an insurance pension at a rate of 10% (in the formation of a cumulative pension from a citizen) or 16% (if the accumulative pension is not formed); NSVGI, I is the regulatory amount of insurance premiums for an old-age insurance pension paid by the employer at a rate of 16% of the limit value of the base for the accrual of insurance premiums in the PF of the Russian Federation, i.e. 16% of 1,021,000 rubles according to the Decree of the Government of the Russian Federation of 15.11.2017 N 1378. According to Annex 4 to the Law "On Insurance Pensions", the maximum adequate importance of the annual IPC by 2021 will be 10 for persons without a cumulative part of the pension and 6.25 - For persons who have a cumulative part.
Thus, if in 2108 a citizen receives a monthly salary in the amount of 20,000 rubles and makes deductions only to the insurance part of the pension, the amount of its contributions for the year will be 38,000 rubles (20,000 * 12 * 0.16). The regulatory size of the employer's contributions in 2018 is 163,360 rubles (1021000 * 0.16). Dividing the amount of salary for the year on the regulatory amount of contributions and multiplying 10 receive the number of pension points accumulated by the citizen during 2018: (38,000 / 163 360) * 10 = 2.326 points.
How to get information about IPK?
Calculate the number of pension points (IPCs) can also be on the PFR website at: http://www.pfrf.ru. Data on the magnitude of its IPC and all its components can be obtained in several ways:
- Appeal to the Department of the FIU at the place of residence;
- Registration of certificates about the state of the individual personal account on the PFR website in the "Personal Citizen's Personal Account" at: https://es.pfrf.ru/#services-f;
- Request information about the status of an individual personal account in the FIU (including history) on a single portal of public services at: https://www.gosuslugi.ru/10042/1/.
In 2018, for the appointment of the insurance pension, at least 9 years of insurance experience is required (in 2017 - 8 years old), and IPC 13.8 (in 2017 11.4). Otherwise, it is possible to refuse to appoint it. According to the PF, upon receipt of a refusal to a citizen in appointing a pension, he will have to "earn" the missing scores or wait for the appointment of a social pension in 60 or 65 years for women and men, respectively.