Authorities have found a new way to save on working pensioners


Government Commission on legislative activities endorsed the initiative of the Deputy-United Russia Raisa Karmazin, which offers working retirees the opportunity to waive the annual recalculation of pensions in exchange for future benefits. That bill was supported at the meeting of the Commission on 18 July, said two of his party. In the case of adoption of the initiative Karmazin will allow the Pension Fund to save up to 12 billion rubles next year and a bit to alleviate the problem of the growing budget deficit. But for the savings the Treasury will have to pay in the future.

The bill was introduced in the state Duma in April of this year, but until the end of his sixth convocation of Parliament have not considered it. Once approved by the state Commission, the draft opinion will be signed by the chief of the government staff Sergei Prikhodko, the document must be received in the state Duma of the new convocation. Duma, as a rule, takes the bills, supported by the government.

The initiative is addressed to working pensioners with salaries above 18 thousand rubles (“paid”), said Karmazin. Under the current rules such pensions to working pensioners are automatically recalculated towards increase annually from 1 August (pensioner for each year of service receives an additional pension points and, consequently, an increase in their pension). This recalculation is not the same as indexing, which in 2016 it was agreed for working pensioners. Recalculation will be made this year, but regardless of the size of the salary of the working pensioner, the maximum number of pension points that he may obtain in such terms — 3 (or 1,875, if the retiree accumulating a pension).

This is much less than if a working pensioner did not retire (working citizens — defensively under the same wages receive in 2016 7.83 points, 2021 — 10 points). At a cost of one point in 2016, a little more than 74 rubles maximum increase to pension for working pensioners this year will be slightly above 200 RUB., indicates Karmazin. So she proposes to make amendments to the law on insurance pensions to working pensioners by granting the right to refuse annual recalculation of pensions increase. Those who take advantage of this right, later will get the maximum possible boost to their pensions — 10 points or 6.25 points, if the funded pension).

Karmazin said that her initiative was consonant with the earlier decisions in respect of pensioners: canceled for budget savings the indexation of their pensions, the government promised to index benefits to the entire accumulated value of inflation after the pensioner ceases to work, the MP recalled. “Pensioner works, gets paid — if he wants, let him renounce these 3 points. And when I stop, he come insurance case, and he all these years to make the recalculation and return all the points to the max — how to make money, as much and Donatist. And it will be more than 3 points,” — says the Deputy.

Originally the bill was intended for the inhabitants of Siberia and the far North, where many workers retire early, in 40-50 years, but continuing to work and receive high wages, can not count on a marked increase in their pensions, said Karmazin. But later, the Deputy decided to extend it to the whole of Russia, because in the same situation are, for example, in Lipetsk metallurgists, ” she says.

Budget fork

According to Karmazin, the initiative will be beneficial not only for working pensioners, but the government that spends 3 trillion a year on transfer to the Pension Fund deficit. “Each of the waived allocation it will be able to pay 200 RUB for retirement now, they will remain in the budget of the Pension Fund,” — says the Deputy. In the case of a law the budget of the FIU in 2017 will potentially be able to save up to 12 billion rubles., calculated the author of the initiative. Such savings arise, if the recalculation of pensions will give up at least half of the working pensioners whose total number Karmazin estimated 9.92 million people. For 2016, the deficit of the Pension Fund is estimated at 175 billion rubles.

But such a law will entail in the future (when retirees are asked about the conversion at the maximum rate) and additional expenses from the budget of the Pension Fund, which is formed by transfers from the Federal budget, said the draft opinion of the government, which have . The author proposed to define in the bill the sources of funding for this new budget expenditures. In financial and economic justification to the bill there may be additional costs budget estimated at 2.1 billion rubles. — it is a relative assessment, based on the assumption that all renounced recalculation of pensions at once accomplish the job. In reality, to predict the possible additional expenses of the budget very difficult, says the Deputy.

For the budget idea will be expensive, I agree the Director of the research financial Institute of the Ministry of Finance Vladimir Nazarov. Benefit from the innovation, according to experts, will experience working pensioners with pensions above the subsistence level, but do not have a large number of accumulated pension points — when a large number of points difference between the coefficients of 3 and 10 retired do not feel, explains the expert. Does not make sense to abandon the clearing and people with minimum pensions, such pensions due to the budget up to the subsistence minimum; resampling with a maximum ratio of total amount of payment will not change, says Nazarov.

The pension Fund did not respond to a request .

What other changes are in store for pensioners

In the spring of 2016, it became known that the Ministry of Finance and the Central Bank are working on a new draft of the pension reform. Its purpose is to balance the pension system. It is expected that the government will consider a set of initiatives in the fall. Developers, in particular, suggest the government to abandon the compulsory savings element in the formation of the pension is to give citizens the right to form pension accumulation. According to the Minister of Finance Anton Siluanov, the new system may start operating in Russia in the second half of 2017 or early 2018.

Also among the proposals of the Finance Ministry — raising the retirement age to 65 years for both men and women (now respectively 60 and 55 years), the collection of insurance contributions on all salaries of citizens (now the salary subject to contributions up to a certain limit) and the refusal to pay at least part of pensions to working pensioners.

For the next three years (2017-2019) the Finance Ministry proposes to extend the freeze of the cumulative part of pensions to save budget to 400 billion rubles of such a freeze Mode operates in Russia for three years: insurance contributions of citizens to pension accumulation are not transferred to non-state pension funds, and expended by the state for other purposes. For 2017, the Finance Ministry proposes reduced indexation of pensions, wrote “Vedomosti”. This measure has already been taken by the authorities to reduce the costs of the Pension Fund in 2016: pensions were indexed at 4% — three times less statutory value of inflation for the previous year (12.9% in 2015).