29/05/2017
Until recently, a second pension was awarded to military pensioners with only five years of service.
Currently, the situation is changing and with each subsequent year, in addition to the age requirements, annual increase in the requirements for minimum length of service and the number of pension points. Therefore, the refusal to grant an insurance pension to military personnel is currently the most popular issue among the issues.
In order to find out how to obtain the right to a second pension for military pensioners, how it is calculated for military personnel and how not to get a refusal from the Pension Fund of Russia, you should have minimal knowledge in this area in advance.
Military pension. Who are military pensioners?
Military pensioners are, first of all, former employees of some law enforcement agencies who are paid a pension for long service or disability through their law enforcement agencies.
Pension provision for military personnel is regulated by Law No. 4468-1 of February 12, 1993. It should be noted that in addition to the pension for long service and disability, there is another one - in the event of the loss of a breadwinner. It is assigned regardless of the length of service.
Retiring military personnel does not mean giving up work. After all, many continue to work in civilian life after her appointment. And such work for former military personnel brings not only income in the form of a salary, but also points from accrued insurance premiums.
Therefore, upon reaching the appropriate age, they may receive the right to a second civil pension through the Pension Fund. This is an old-age insurance pension and it is regulated and it will definitely become an additional source of income. 
The only limitation and significant difference from ordinary civil pensioners is receiving an insurance pension without.
Military pensioners are not entitled to a fixed payment and therefore the pension amount paid will be significantly less.
How to get a second pension in civilian life
Official work is accompanied by mandatory deductions from wages to the tax office and the pension fund. Tax authorities issue a tax identification number (TIN) to each citizen, and the Pension Fund issues a SNILS (“green card”) to account for pension rights. 
Military pensioners need to have their number in the Pension Fund of Russia () in order to keep records of accumulated experience and points (individual pension coefficients). You can get such a number at any nearest fund at your place of registration or place of residence, having only your passport with you.
Perhaps you are already registered with the Pension Fund of Russia, which means that now everything and your experience are taken into account on your personal individual account. It is they who are gradually forming the right to second pensions for military pensioners.
To assign and calculate insurance pensions for military personnel through the Pension Fund, it is necessary fulfillment of three mandatory conditions. They determine the possible refusal of its appointment.
The minimum length of service increases every year to 15 years by 2024.
| Year | Minimum insurance period |
|---|---|
| 2015 | 6 |
| 2016 | 7 |
| 2017 | 8 |
| 2018 | 9 |
| 2019 | 10 |
| 2020 | 11 |
| 2021 | 12 |
| 2022 | 13 |
| 2023 | 14 |
| 2024 and later | 15 |
For example, for a serviceman born in 1957. In order to receive a second civil pension at the age of 60, at least 8 years of civil insurance experience is required.
However, this does not mean that it is now impossible for a serviceman to keep up with the increase in the minimum length of service and is required to work continuously. It is important to know that the duration of the insurance period is taken into account on the day you reach retirement age.
If the same pensioner was born in 1957. in 2017, he was refused an insurance pension due to a lack of 8 years of experience, this does not mean that next year, 2018, he will need to complete 9 years of experience.
The length of service requirements for him will remain the same - 8 years for the year he reaches 60 years of age and will not change.
3. PENSION POINTS
(individual pension coefficients)
Since 2015, pension points are formed based on insurance premiums, and all purchased 
The rights existing before 2015 are also translated into individual pension coefficients.
The higher the salary in civilian life, the more points a pensioner can earn. It is from them that the second pension for military personnel is calculated. The sum of individual coefficients is multiplied by the value of the point - this is how the pension is calculated.
The requirement for a minimum number of accumulated points is also a prerequisite for the appointment of an insurance pension and, like length of service, increases annually (up to 30 points by 2025).
| Year | Minimum amount of pension points |
|---|---|
| 2015 | 6,6 |
| 2016 | 9 |
| 2017 | 11,4 |
| 2018 | 13,8 |
| 2019 | 16,2 |
| 2020 | 18,6 |
| 2021 | 21 |
| 2022 | 23,4 |
| 2023 | 25,8 |
| 2024 | 28,2 |
| 2025 and later | 30 |
This means that a military pensioner born in 1957, having not collected the required number of points on the date of appointment, can “rework” them at any time. If you apply, for example, in 2019 the requirements for the minimum number of pension points for him will remain the same – 11.4.
How to apply for a second pension
You can apply for an insurance pension to a military pensioner no earlier than a month before eligibility.
There are now many options available to apply and necessary documents for the second pension:
You should take the following documents with you for your second pension:
– Passport;
– Certificate from the department that granted pensions to military personnel for length of service or disability (see sample above);
– Work record book, employer certificates, in general, those documents that can confirm your length of service in civilian life.
Increasing pensions for military pensioners in the Pension Fund of the Russian Federation
An increase in the second pension for military personnel after appointment is also possible. This can occur in the form of indexation and adjustment of the point value in February and April of each year.
Examples and rules for adjusting the insurance pension for workers can be found in.
Recalculation of pensions for working military pensioners in August will occur in the same way as for ordinary civilians. Therefore, if there are any pension points that were not taken into account when assigning the second pension, the calculation of pension points will also be recalculated in August.
Funded pension military personnel can also develop and therefore, when submitting documents for appointment, you should immediately ask customer service specialists about the availability of the right to a funded pension. In this case, you can make a choice to receive savings funds in the form of an urgent payment, or to receive a lump sum payment of your pension savings.
Results
Pension provision for military personnel involves the payment of a pension for long service and disability in the service department according to Law No. 4468-1. At the same time, a serviceman can also apply for a second military pension in the Pension Fund system according to the Law.
To do this, a military pensioner only needs to meet three basic conditions: 
– minimum age;
– minimum experience (not studied in the military department);
– minimum number of points.
The second pension will be refused if one of these requirements is not met.
In order to gain the necessary length of service and the required number of points for the assignment of an insurance pension, we recommend paying attention to the collective farm experience over the past years. Work on a collective farm (state farm) is also counted towards the insurance period when assigning an insurance pension.
If military personnel in the law enforcement department refuse a pension, they can additionally receive a fixed payment to their insurance pension through the Pension Fund of the Russian Federation.
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In the previous article, we provided information about the conditions for retirement of military personnel by length of service and disability, as well as by mixed length of service. Military personnel become pensioners at working age, so they either continue to serve in military units and other bodies, or retire and work in civilian occupations. Before reaching the age of 60 for men and 55 for women, they acquire a general insurance period, which gives them the right to receive a second old-age pension. Unlike a military pension, it is provided by the Pension Fund of the Russian Federation.
Who is entitled to the second pension?
It is very important for a military pensioner, upon retiring and taking up self-employed work or applying for a job at an enterprise of any type of ownership, to register in the compulsory pension insurance system. An individual personal insurance account card will become the main document when applying to the Pension Fund branch to calculate a pension.
To assign a second pension to military pensioners, the following conditions must be met:
- Availability of a basic pension for long service, disability or a mixed type military pension.
- Reaching 60 years of age for men and 55 years of age for women.
- Important! If insurance premiums were paid when working at enterprises where preferential, earlier retirement is provided, then the age of military pensioners is reduced accordingly.
- Having civilian experience after retirement. In 2019, it will be 9 years and then increase by 1 year until it reaches 15 years.
- Availability of the required amount of individual points. In 2019, the minimum amount is 13.8 bp.
Important! If a pensioner has to achieve a common retirement age has not accumulated the required amount of points, he is not entitled to a second pension.
The number of pension points depends on accrued and paid insurance contributions to the compulsory pension insurance system and the length of insurance (work) experience.
For each year of a citizen’s labor activity, subject to the accrual of insurance contributions for compulsory pension insurance by employers or him personally, he forms pension rights in the form of pension points.
On the Pension Fund website there is a points calculator according to which for a year with a salary 15 000
rubles per month you will receive 2,74
points, and with salary 70 000
- you will receive maximum 8,26
points.
You can find out the number of points you have accumulated in your personal account.
How is the second pension calculated?
Calculate the amount of the second pension, knowing the number of points accumulated and the cost of one point (on the day the pension was assigned).
RP (pension amount) = CIB (number of points) x SB (cost of one point).
In 2019 it will be equal to 81 rubles 49 kopecks.
How many points can you be awarded for 2018?
Enter the monthly amount
No salary before deduction of personal income tax:
Error! Enter a salary higher than minimum size wages in Russian Federation in 2018 - 9,489 rubles.
Calculation results
Number of pension points
per year: 7.83
You can find out about the number of accumulated individual points by contacting the Pension Fund in person, in your personal account on the website of the district branch of the Pension Fund, or on the website of the city hotel of public services. Also, information about the exact insurance period and the amount of savings will be provided at the same time.
Subject to eligibility, the civil pension will be provided from the date of initial application.
Important! The size of the military pension does not affect the calculation and size of the second pension.
Example: if you worked “in civilian life” for 10 years and received a salary of 30,000 rubles all this time, then you will have 3.53 * 10 = 35.3 bonuses and, accordingly, 35.3 * 81.49 = 2876 r.
What documents need to be submitted to the Pension Fund
Citizens' requests for a civil pension are considered if the following documents are available.
Military personnel who have served a certain number of years in the army, the Ministry of Internal Affairs, the FSB, and some other similar institutions are entitled to receive a long-service or disability pension. If, after finishing their service, they worked in civilian positions, then under certain conditions they can apply for an old-age pension assigned by the Pension Fund of the Russian Federation.
Conditions for receiving a “civilian” pension for military personnel
In order to qualify for an old-age pension, former military personnel must simultaneously meet a number of conditions:
- the citizen must be registered in the compulsory pension insurance system of the Russian Federation (received SNILS),
- The retirement age must be reached - 65 years for men, 60 years for women. If citizens belong to those categories of insured persons for whom earlier retirement in old age is provided, then the pension is assigned upon reaching that age. For example, if labor activity was carried out in the Far North.
- must have earned enough insurance coverage to qualify for an old-age pension. In 2020 it is 11 years.
- A certain number of individual pension points must be earned. In 2019 – 18.6 points.
- a military pension should be assigned for disability or for length of service in the relevant authorities.
Documents required for granting a pension
To be granted a regular old-age pension, former military personnel must submit to pension fund:
- application of the established form;
- passport;
- insurance certificate (SNILS);
- certificate from the authority that appointed military pension citizen. Such a certificate must contain information about the date of assignment of the military pension, the periods of service on the basis of which the military pension or disability pension was assigned;
- documents confirming the pensioner’s insurance (“civil”) experience. This may be a work book, an employment contract, or other documents confirming the fact of employment.
If a military pensioner worked in a civilian institution before 2002, then they can be presented with documents confirming the availability and amount of earnings for any five consecutive years before January 1, 2002.
Peculiarities of calculating “civilian” pensions for military personnel
There is one peculiarity - the old-age pension accrued to military pensioners consists only of the insurance and funded parts. There will be a funded part if such a pensioner has pension savings. A fixed payment (fixed base amount) is not accrued or paid to military pensioners.
The assigned old-age pension for military pensioners is subject to indexation in accordance with the general procedure.
If such a pensioner, after receiving an old-age pension, continues to work in civil organizations, then annual indexation is not carried out, but annually, as of August 1, a recalculation is made.
After the end of your working life, the amount of the insurance pension will be recalculated taking into account the missed indexations.
Cumulative part of pension
A former military man, like other insured persons, may have accumulative part pensions. Savings can be formed in the following cases:
- they are persons born in 1967 and younger, to whom civilian employers calculated and transferred insurance contributions for the funded part of the pension to the Pension Fund;
- if they received maternity (family) capital and transferred its funds to form a future pension;
- if they are members state program co-financing of pensions;
- if they are men born in 1953-1966 or women born in 1957-1966, for whom, from 2002 to 2004, civil employers calculated and paid insurance contributions to the funded part of the pension in the Pension Fund.
Like other old-age pensioners, a military pensioner, if he has pension savings, can apply to the Pension Fund for appointment and pay a funded pension (payment).
This can be a lump sum payment, an urgent payment, or payment of the funded part of the pension.
Answers to common questions
Question #1: Military pensioner after graduation military service did not work in civilian institutions for hire, but registered and operated as an individual entrepreneur. Can such a citizen receive an old-age pension upon reaching retirement age?
Answer: Yes, if such an individual entrepreneur paid insurance contributions for compulsory pension insurance, he has the right to insurance pension by old age. In this case, the mandatory conditions must be met regarding the presence of the insurance period established on the date of application for a pension and the number of accumulated pension points.
Question #2: Are periods of work prior to military service included in the “civilian” pension for military personnel?
Answer: According to Federal law“On Insurance Pensions” No. 400-FZ dated December 28, 2013, the length of service does not include the time of service preceding the assignment of a disability pension, or the time of service, work or other activities taken into account when determining the amount of the long service pension in accordance with the Military Law pensions dated February 12, 1993 N 4468-1. Thus, if periods before military service are not taken into account when calculating a military pension, then these periods can be taken into account when calculating a “civilian” pension.
QuestionOS No. 3: If a former military man reaches retirement age in 2019, but does not have enough insurance experience (9 years) to accrue a “civilian” pension to a military man, is it possible to apply for its accrual in a year? Or will the required insurance period be different in a year?
Answer: The insurance period in 2019 will be different, but if the right to an old-age pension arose in 2019, for example, a man turned 60 years old, then to calculate an old-age pension for such a person, the insurance period that was valid in the year the right to a pension arose , i.e. 9 years old. If in 2019 the insurance period is 9 years and all other conditions for receiving an old-age pension are met, you can apply for a pension accrual from the Pension Fund.
The insurance pension for military personnel is paid for disability or for length of service. Most military personnel retire after completing their service, while continuing their work practice in other structures that are not related to the army. In such a situation, by fulfilling a number of special conditions, they gain the opportunity to receive a second benefit, which is called “old-age insurance pension for military pensioners.” It is no longer paid to law enforcement agencies and departments, but through the branch of the Pension Fund of Russia.
What do you need to receive?
Your employer is obliged to hire you according to your work book or contract, that is, officially. He must pay insurance premiums responsibly and regularly. A pensioner must go through the registration procedure in a special program and acquire a document such as SNILS. To get the latter, you need to come to the Russian Pension Fund at your place of registration. If you live in another place, you can contact the district government authority at your current place of residence.
Upon arrival at the fund's office, you will be given a questionnaire. The completed application form, along with a passport or other document confirming your identity, must be submitted to the appropriate window to the pension fund employee.
After passing these procedures, in case of a positive outcome, the rights of a retired military man will be equal to the rights of ordinary (civilian) pensioners. A personal personal account will contain information about accruals, payment of insurance deposits and time spent working in non-military organizations. Persons born after 1967 will be able to participate in the funded pension system.
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Conditions for receiving a second pension
Since 2016, the calculation of the benefit amount is determined by new formula. This also applies to the insurance part of the labor pension of military pensioners.
It is important to comply with the following conditions:
- The man is 60 years old, the woman is 55 years old. The exception will be workers in the North and enterprises with hazardous working conditions. They will be able to claim early retirement before reaching the specified age.
- Minimum experience required. It starts from the moment of joining non-military service. Time spent working in law enforcement agencies is not included in this period. In 2015, the minimum length of experience was 6 years. And from 2016 it will begin to increase by 1 annually. The increase in length of service will end in 2023 and will amount to 15 years.
- Accumulation of minimum pension points. They are counted every year. The amount depends on the salary and the number of contributions. In 2015, the coefficient was 6.6. By 2025 it will gradually reach size 30.
- Long service pension. It is necessary to have a similar or disability benefit from the security forces.
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Points in 2016
For 2016, for military personnel who work in civilian organizations or are individual entrepreneurs, the marginal coefficient is 7.39. This number of points can be achieved by people with an official salary of 59 thousand 250 rubles.
It is worth paying attention to the fact that on the main page of the Pension Fund of Russia website there is an online calculator that can calculate the amount of points based on the size of your salary. In addition, the program is able to find out the average insurance pension for military pensioners.
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In order for you to be assigned an insurance pension, you need to prepare a package of documents. It contains the following materials:
- passport of a citizen of the Russian Federation;
- SNILS;
- certificate of payment of pension from military structures;
- length of service before provision of payments to the pensioner;
- confirmation of length of service (work book).
It is worth noting that if a military pensioner worked in the civil service before 2002, then he has the right to submit certificates of average wages for any period equal to 60 months.
In this case, the following must be taken into account:
- The insurance pension of working military pensioners undergoes state indexation every year.
- If the pensioner has received the right to a second benefit and continues to work, then payments will be recalculated automatically, eliminating the need to re-submit the application.
- In 2017, it is planned to reduce the insurance pension for military pensioners.
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Funded pension
The old-age pension for persons born after 1967 is made up of two halves: insurance and funded. Contributions are evenly distributed across these halves. Since 2015, the funded insurance pension for military personnel has been introduced as an independent payment. However, the formula and rules for its calculation remain unchanged.
Military pensioners have the right to a funded pension in the following cases:
- If the pensioner was born after 1967 and has work experience in the civil service, taking into account that the company made payments to the Russian Pension Fund.
- If the amount sent from the maternity capital.
- If, during your service in a non-military organization, you entered into a pension financing program (regardless of age), and if all payments were regularly accrued. Contributions from persons born before 1967 were also taken into account in the amount of savings. They were formed over a two-year period from 2002 to 2004, but only if the employer in good faith paid all contributions to the Pension Fund of the Russian Federation.
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Possibility of receiving by relatives
In the event of the death of a pensioner, members of his family who are disabled citizens and receive survivor benefits through the security forces are entitled to a second pension.
This is possible in the following cases:
- If the deceased service member had formal experience in the civilian service. The experience must be at least 1 month.
- If a relative of the deceased is included in the list of citizens entitled to receive a pension.
- The loved one was a dependent of the deceased serviceman. In cases where he does not have his own income and other relatives who can support him and provide for him at the proper level, the person also has this right.
If, after retirement, a military man continues to work at a civilian enterprise, then it is worth taking a responsible approach to choosing an employer. The possibility of receiving a second pension in the future depends on this. The employer must regularly make payments to the Russian Pension Fund in full. It is worth paying attention to the fact that the pension system regularly undergoes updates and amendments, so it is important to follow the latest information and news in the field of insurance payments. Legislation changes depending on the circumstances in the country, adapting to the needs and rights of persons living in the state.
Every citizen of the country has the right to a pension if he or his employer has made appropriate contributions throughout his life.
But relatively recently programs were implemented, according to which it was possible to form different parts pensions, called insurance and funded, which increased both deductions and the final amount of payments. This measure was voluntary and has specific features of use.
How is it formed
The basic pension, called the insurance pension, is formed through monthly contributions. The Pension Fund of Russia operates a point system that measures the account status in points and serves as the basis for calculating the final monthly payment.
This indicator depends on the total amount of contributions to the fund, as well as length of service. If a person prefers to receive only the insurance part of his pension, then he can be credited with up to 9 points per year, but if he has an account for the formation of an additional part, this coefficient does not exceed 7 points.
In addition, only an insurance or two-part pension has a number of other differences:
- annual indexing is carried out by the organization responsible for maintaining contributions; in non-state funds (NPF) it is usually higher than in the Pension Fund;
- Nevertheless, state indexing is stable and reliable; with non-state indexing there is a risk of not receiving interest at all in excess of the amount deposited into the account.
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The formation and rules for using the funded part of future payments have legally approved provisions:
- the age of reaching retirement age is the same as when receiving an insurance pension: 55 and 66 years for women and men, respectively;
- at a given age, the total insurance period should not be less than eight years;
- the minimum number of accumulated points must be 11.4;
- if the insurance part is more than 95% of the final payment, then the funded one is issued at a time;
- the amount received by the mother at the birth of her second child can become part of the savings account;
- At the moment, a moratorium has been imposed on pensions in the form of additional savings until 2020; all funds are used only to increase the insurance portion.
How can a pensioner receive the funded part of his pension?
The savings portion can be received as a separate payment or once a month in a separate payment.
A one-time payment can be made even before the official retirement of an old-age pension, if other types of pensions are established (for the loss of a breadwinner, when a minor is left without the care of one of the parents or for disability). The monthly payment is set for standard or early retirement.
Where to get it
The funded part of the pension can be received at the place of its formation at the time of receipt: it can be a pension fund, state or non-state, which is entrusted with indexing the funded part.
If it is not possible to submit documents in person, you can do this by mail or submit an application on the Pension Fund website.
Procedure
When choosing a form for receiving savings funds, an application is submitted to the organization responsible for their storage, accounting and indexing.
One time
Not every holder of the funded portion can receive a one-time payment. To do this, you must meet one of the following conditions:
- this type of payment can be counted on by people with an official disability of any group who receive survivor benefits, provided that the insurance period or the appointment of an old-age insurance pension have not yet been assigned;
- citizens whose funded part of their pension is so small that it amounts to less than five percent of the total amount of pension payments.
It is possible to re-apply for such a payment only after five years have passed after the first application.
A person wishing to receive a lump sum payment acts in a certain sequence:
- Pension savings were formed in one of the organizations of the person’s choice: the Pension Fund or the NFP. It is necessary to submit an application for a one-time payment to the institution where the funded part was deposited into the account.
- Along with the application, provide documents providing grounds for receiving lump sum payment. Moreover, you can submit an application not only in person: a citizen has the right to do this by mail or on the Pension Fund website, provided that he is registered on the State Services portal.
- Receive confirmation and a list of accepted documents.
- Wait for a decision on accrual of payment or refusal to provide it (should take up to a month).
- Receive payment in no more than two months if the application was submitted to the Pension Fund and within a month if submitted to the NPF or Management Company.
Urgent payment
Citizens who receive an old-age insurance pension and have formed this funded part with the help of additional contributions can count on receiving this type of payment.
These include:
- employer contributions in excess of mandatory contributions to the insurance part;
- participants of the approved co-financing program;
- part of maternity capital if it was used to form the funded part of pension payments;
- income from investing insurance funds.
The urgent payment is made monthly, and the duration of the increase is determined by the person himself; the only condition is that it cannot be less than 10 years.
It is calculated by simply dividing the accumulated amount by the number of claimed months of receipt. In the event of the death of a person who has a funded portion, the remaining amount is transferred to inheritance.
Procedure for applying for monthly payments:
- Pension savings were formed in the Pension Fund or NFP. It is necessary to submit an application for monthly payments to the institution where the funded part was formed and indexed;
- submit an application for the calculation of monthly payments to this institution in person, by mail or using the State Services portal;
- receive a receipt for receipt of documents with the date of application;
- wait for the decision, which must be issued no more than 10 days after the application.
If such an application is not submitted, these funds will be paid as part of the insurance pension.
What documents are needed
To apply for a one-time payment, the applicant must present:
- passport of a citizen of the Russian Federation;
- pension insurance certificate (SNILS);
- and the volume of the insurance part of payments;
- accrual card details.
- documents confirming the right to receive a lump sum payment (about disability, about the loss of a breadwinner).
To apply for monthly urgent payments you will need to provide:
- passport of a citizen of the Russian Federation;
- statement;
- pension insurance certificate (SNILS).
Military pensioner
Citizens, depending on the experience of military service and its nature, can receive a military or civilian pension.
Citizens applying for a long-service military pension must meet one of the following conditions:
- from 20 years of military experience;
- from 25 years of total work experience, at least half of which is military activity.
Thus, the requirement to reach a certain age may not be met, and retirement may occur earlier.
Other features of pension payments apply to military personnel:
- some military personnel receive a special disability pension, but only if the conditions for receiving disability due to service are met; if received, compliance with the length of service rule is not necessary;
- military personnel working in difficult climatic or production conditions retire early;
- Parents of disabled children also enjoy this privilege.
Working
In 2020, the rules for receiving pensions for citizens continuing labor activity after reaching retirement age. They can no longer receive both wages and salaries and a pension and must choose one type of income or another.
If a citizen prefers to continue working for at least five years, then upon retirement, the indexation of the amount will be higher.
Thus, the funded part of the pension is the one that the citizen himself took care of, making monthly contributions to form it into a state or non-state fund.
You can receive it in the form of a lump sum payment once every 5 years or monthly, evenly distributing savings over at least 10 years.
Video: Deadlines for application and payment of funded pension
