Basic pension and disability benefits will be received according to new rules

How has the pension changed since the beginning of the year?

According to the law “on the republican budget”, the minimum pension in Kazakhstan increased from 36 thousand tenge to almost 38.5 thousand tenge. The basic pension payment increased to 16,839 tenge. In addition, old-age pension payments were indexed by 7% for all senior citizens. The restrictions on the amount of income from which the pension is calculated have also changed. The salary level should not exceed 46 minimum calculated indicators.

Let us note that sometimes pension payments for a normal existence are not enough for an elderly person. If such a situation has arisen in your life, we advise you to read the article “How can an elderly person collect child support from their children?”

Let us remind you that the MCI in Kazakhstan since the beginning of the year has been 2,651 tenge.

Labor old-age pension

The following calculator will help you calculate the amount of your old-age labor pension in accordance with the Federal Law “On Labor Pensions in the Russian Federation” dated December 17, 2001 N 173-FZ. To calculate, you must specify: the date of pension assignment, your gender, age, insurance experience, length of service in the USSR, your average earnings in 2000-2001 or for any 5 consecutive years until 2002, as well as the amount of all insurance contributions, taking into account indexation after 2002.

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As a result, the pension amount for the current date and details of its calculation will be given. At the moment, the calculator does not take into account bonuses and increases, disability, or the new procedure for calculating pensions, which will come into effect for pensions after 2020.

Average pension in Kazakhstan

According to the budget of the Republic of Kazakhstan for 2020, as well as operational data as of January 1 of this year from the Ministry of Social Protection, the average pension payment in the country is about 90 thousand tenge. Note that we are talking about a total pension, which consists of basic, compulsory and voluntary. The law on the budget of the republic states that 2.2 million citizens are recipients of pension benefits, and the total amount of funds allocated for the corresponding payments is 138.4 billion tenge. It is worth noting that the average pension over the six months increased by 5 thousand tenge. Then it barely exceeded the bar of 85 thousand tenge.

If we talk about pension levels, then:

1. Basic – allocated from the state budget and its size depends on the length of participation in the pension system
2. Mandatory - allocated from the country's budget and the UAPF (unified pension fund) through contributions that the citizen made throughout his entire work experience.
3. Voluntary – the name speaks for itself. This is a payment that is made through voluntary pension contributions to the fund.

Kazakhstanis can find out the size of their future pension

“Using the calculator is very simple - on the website www.enpf.kz you need to go to the “Pension calculator” section, which presents two calculation options - “Forecast pension calculator” (for future pensioners) and “Current pension calculator” (for established pensioners) . First, you need to fill in all the fields: date of birth, gender, length of service, length of participation in the funded pension system, enter the amount of savings to date and the average salary for the last time and click on the “Calculate” button.

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The system will also show how many years your savings will last you, your projected salary at the time of retirement and the replacement rate, that is, the share of the pension from the last salary as a percentage.

What is the retirement age in the Republic of Kazakhstan?

Starting in 2020, the retirement age for all citizens is increasing annually by six months. Today, residents of the country who have reached 59.5 years of age can become recipients of pension payments. Note that the increase in the retirement age is planned to end in 2027. By this time, a citizen will have to live at least 63 years to become a recipient of a pension and stop working. Note that in this case we are talking specifically about women. The retirement age for men is already 63 years old and, according to government plans, will not change until 2027. As a result, all residents of the country will become pensioners at the same time, without individual rules for different genders.

Let us remind you that pensions in the Republic of Kazakhstan are income that is subject to taxes.

Elderly citizens, as a rule, face serious illnesses due to their age. In our article “Disability benefits. How to get a?" you can find out how to receive such a payment and who is entitled to it.

Pension calculator

How to calculate the size of your pension after increases in 2018.

Today there are 28,654 pensioners living in Temirtau. Their number is growing year by year, despite the fact that the outflow of people from the country continues. Just three years ago there were about 25 thousand Temirtau pensioners. To increase the income of pensioners next year, a two-stage increase in pensions is expected: from January 1, the age pension will be indexed by 8%, and from July 1, the methodology for calculating the basic pension payment will change.

Currently, the pension consists of two parts: the old-age pension and the basic payment. The latter is the same for everyone, no matter whether you worked or not. This year - 14,466 tenge.

The size of the second part depends on length of service and average salary. The change in the methodology for calculating the basic payment is aimed at solving the problems of pensioners who have worked all their lives and now receive low or minimal pensions.

“It is expected that as a result of the recalculation, 45.2% of recipients will have a basic pension of 100% of the subsistence level, and 44.7% will have a basic pension of 74 to 100%,” says Dinara Burlibaeva, head of the Temirtau branch of the Interdepartmental Settlement Center Department social payments" branch of the non-profit JSC "State Corporation "Government for Citizens". — The average size of the basic pension will increase by 1.8 times (or up to 87% of the monthly minimum).

Each person has their own basic payment amount

Next year, the basic payment will be tied to the total length of service of each pensioner. Now this payment is tied to the subsistence level (hereinafter referred to as the minimum subsistence level) - 54% of it.

How to calculate a new pension?

The pension consists of two parts: basic (14,466 tenge) and joint. Let's consider the increase using the example of a pension of 77 thousand tenge. 1. Subtract 14,466 tenge from 77,000 tenge, it turns out - 62,534 tenge. This is your retirement pension. 2. From January 1, 2020, the old-age pension will increase by 8%, resulting in 67,536 tenge. 3. Now we calculate the total length of service. Let’s assume: you had 20 years of work experience before 1998. You retired in 2003, that is, you worked for another 5 years and made contributions to the pension fund. Total total experience – 25 years. We find in the table the size of the share of the basic payment from PM with 25 years of total experience. This is 84%. 4. The website of the Ministry of Labor reports that the living wage for 2020 was approved in the amount of 28,284 tenge. 84% of this amount is 20,398 tenge. This is your basic payment from 1 July 2020. 5. We add this payment to the amount that we received after an increase of 8%. You will receive this pension after July 1.

Example No. 1: a woman retired in 1995. Work experience 41 years. Now he receives 77,500 tenge. After the increase from January 1 and July 1, 2020, the woman will receive 96,360 tenge. 77,500 – 14,466 = 63,034 tenge 63,034 + 8% = 68,076 tenge 68,076 + 28,284 (100% PM) = 96,360 tenge

Example No. 2. The man retired in 2000. Work experience before 1998 – 27 years, and another 2 years of participation in the funded system. Total total experience is 29 years. Now he receives 47 thousand tenge. After the increase from January 1 and July 1, 2020, his pension will increase to 61,161 tenge. 47,000 –14,466 = 32,534 tenge 32,534 + 8% = 35,136 tenge 35,136 + 26,021 (92% of the subsistence minimum) = 61,151 tenge

“To avoid a stir among the population, the center’s specialists are carrying out large-scale information and explanatory work,” explained Dinara Burlibaeva. — From July 1, 2020, the basic pension will be assigned only upon reaching retirement age (63 years for men, 58.6/63 for women, 53 years for women with many children, 45 years for those who lived in emergency and maximum radiation risk zones of the Semipalatinsk nuclear test site for at least 5 years) and depending on the length of participation in the pension system.

It turns out that everyone will have their own basic payment amount. Thus, equalization of the size of the basic payment, both for those working and for those not working before retirement, will become a thing of the past.

— If a citizen worked and made contributions to the UAPF for only 10 years or did not work at all, then he will be assigned a basic pension in the amount of 54% of the subsistence minimum. For every year worked beyond 10 years, the basic pension will increase by 2%, explains Dinara Burlibaeva. - For example, 20 years of experience - a basic pension of 74% of the minimum wage, worked for 30 years - a basic pension of 94% of the minimum wage. At the same time, the law establishes that with 33 or more years of service, the amount of the basic pension will be 100% of the monthly salary.

The total length of service, on which the size of the basic payment next year will depend, is not only the number of years worked before January 1, 1998. They will also be added to those years in which the person made pension contributions after 1998 and before retirement.

— For example: a woman retired in 2013. She has work experience until 1998, and then she worked and made pension contributions, that is, she participated in the savings system. We receive information about the number of years of participation in the savings system according to pension contributions through the database. For example, until 1998 she worked for 28 years. The total length of service will be 28 plus 15 (from 1998 to 2013) - 32 years. This means that the amount of her basic payment after July 1 will be 98% of the subsistence level,” Dinara Burlibaeva gave an example of calculations.

The length of service will include the time spent caring for a child up to 3 years old, a disabled person from childhood up to 16 years old, the time spent by spouses of military personnel, employees of special government agencies, diplomatic workers, etc. at their place of service.

The main thing is deductions

— This innovation will affect both future and existing pensioners, who, from July 1, 2020, will have their basic pension recalculated based on the information available in their pension files. To recalculate, pensioners do not need to contact the settlement center or provide any documents,” Dinara Burlibaeva emphasized. — We work according to the documents available in pension files. The length of service before 1998, available on file, is the first component of the total length of service. Service after 1998 is calculated according to mandatory pension contributions made to the unified accumulative pension fund before reaching retirement age.

Disappointment awaits those pensioners who, after 1998, worked unofficially, without an employment contract, without a social package, and, accordingly, there were no contributions to the pension fund. There are cases when a person worked in a limited liability partnership, pension contributions were withheld from his salary, and they did not reach their destination due to the fault of the employer. A person is about to retire, he took an extract, and there, instead of deductions for the 10 years he worked, there were only two years. This will directly affect the size of his pension. Experience has no meaning if there have been no deductions.

Now it is important to know during what period after 1998 your pension contributions were received. Take the statement from the Public Service Center, count it by month, convert it to years and add it to your work experience until 1998. Get your total, or cumulative, service until you reach retirement age, which will determine the size of your basic pension.

“The new methodology for assigning a basic pension complies with the principle of social justice, since it will not only improve the financial situation of pensioners, but will also serve to strengthen work motivation and formalize labor relations of citizens,” noted Dinara Burlibaeva.

Calculation of the size of the basic pension depending on the length of participation in the pension (solidarity and funded system).

Innovations in the pension system

The country's authorities do not cease to improve and expand legislation on pension payments. In 2020, it is planned to introduce several innovations that will simplify life for the local population and provide the opportunity to use savings for their own purposes. In particular:

• It will be allowed to withdraw up to 60% of current pension savings to pay for the purchase of housing, expensive treatment and education.

The introduction of 5% contributions to the pension fund from the employer was suspended. So far, the implementation of the idea remains in place until 2023

How to transfer a pension from Kazakhstan to Russia

Moving for permanent residence to another country automatically gives the right to stop payments from the Kazakhstan Fund. Upon arrival in Russia, the pensioner should contact the local Pension Fund for new registration.

The Pension Fund of the Russian Federation calculates pensions in accordance with the norms of Russian Legislation. To register, you must provide a passport and work book, after which a request is sent for an early place of residence to receive an existing pension file. After receiving it, a new pension is issued.

Social payments

Social benefits from the State Social Insurance Fund increase every year.

Family members have the right to receive social benefits in the event of the loss of a breadwinner.

The pension is assigned:

1. Persons under 18 years of age (children, brothers and sisters - if they do not have parents);
2. Persons over 18 years of age if they have a disability that appeared before they turned 18;
3. Persons studying full-time at any secondary or higher educational institution (up to 23 years old);
4. Relatives of the deceased who are raising his child/children (up to 3 years old);
5. Guardians (per child for each lost parent).

The amounts depend on the subsistence level (subsistence level). For family members of military personnel, the amount of payments increases by 0.25 monthly wages for each member.

Disabled children (from 16 to 18 years old), disabled since childhood, disabled people with general illness receive benefits in the amount of 1.78 monthly wages. Military personnel, employees of special services:

• 1.78 PM – for disability received outside of working hours;
• 2.74 PM - for disability received in the performance of official duties.

Conscripts - 2.11 PM. In addition, disabled people of group 1 have the right to receive a Special State Benefit:

• 1.49 MCI – disabled people with general illness, disabled children (16-18 years old);
• 0.96 MCI – disabled children (under 16 years old).

The amount directly depends on the PM coefficient, which increases every year.