Elimination of pension for working pensioners: details

The abolition of pensions is something that is so often discussed in Russia. The crisis sometimes leads to risky actions. The main problem is the shortage of funds in the treasury. Therefore, you have to think about how to save up a little money for public needs with minimal damage to the population. Pension reforms are not discussed in Russia for the first time . What do the government say about this?

Myth or Reality

The first thing you should pay attention to is the reality of the discussions. Someone says that the abolition of pensions for people who are currently working, is a fraud and a myth. And some really believe that payments to pensioners can be stopped.

How are things at the moment? Was the decree signed? The abolition of pensions is a very serious step. Therefore, there are a lot of questions about this. At the moment there is no decree on the complete abolition of pension benefits. But such a discussion should not be considered a myth. After all, amendments to the pension system are really very actively discussed.

Without insurance part

The abolition of pensions for working pensioners is what causes fear and fear among many. After all, old age is an extremely vulnerable moment in everyone's life. Therefore, many even in retirement age work. Someone is able to save money, and some work only to feed themselves. Is it possible to leave the population without support in old age?

Do not worry too much. After all, no one will leave the population completely without support at retirement age. In Russia, there are several options for discussion. For example, many say that the abolition of pension will only affect insurance payments. People who, after reaching retirement age, continue to work, may stop paying insurance pensions. Such a reception will help raise a lot of money to support the state budget.

Against the rules

Nevertheless, the decree on the abolition of pensions is not yet a real law. It is only being discussed. Despite the crisis, eliminating at least one type of pension payments can lead to huge indignation of the population and even to rallies and riots. After all, citizens transfer money to the FIU specifically to ensure that in old age it was how to take money for their own maintenance.

The abolition of pension payments is also a direct violation of the constitution. The fact is that the state undertook obligations from a certain point to support the vulnerable layers of the population to some extent. And no one can take this right. Therefore, they will not leave pensioners without support at all.

True, you can actually take out an insurance pension. But payments to disabled people, as well as to the citizens who have remained without a breadwinner, will be left. Do not forget about the social pension. Nobody has the right to take it away either, it is the duty of the state.

Without indexing

It turns out that in 2016 you can not be afraid of the introduction of such an act as the abolition of pensions. Since February 1 of the same year, many pension benefits are not indexed. So far, such a decree has been signed in Russia. It will save a lot of money. And with all this, payments to pensioners will not be stopped.

Since February 1, 2016, the indexation of insurance pensions has been suspended. But all other payments (for example, social) are indexed by 4%. Accordingly, only some categories of citizens will receive an increase in pension payments.

Nevertheless, indexation does not cancel the insurance support of the population. And now the presidential decree on the abolition of pension does not take place. Russia has not yet developed a system that would help resolve the issue posed without much damage and discontent on the part of the population.

Not for all

The country is actively condemning pension reforms. And the abolition of pensions for working pensioners is one of the most important issues. On the one hand, the population must be supported in old age. And therefore it is required to pay pensions. On the other hand, a working pensioner demonstrates his full capacity for work. Therefore, it is logical to assume that additional money paid by the state is not support of the population. This is already extra money. After all, a pensioner can earn a living.

The proposed decree on the abolition of pensions suggests limiting insurance cash payments. But with certain conditions. Some categories of citizens will still be able to receive an insurance pension.

It is assumed that the proposed decree will deprive insurance payments only those pensioners who receive more than 83,000 rubles per month (or more than a million a year) per month. That is, the abolition of pensions will be extended to well-off citizens. After all, in most regions of Russia, earnings of about 80,000 rubles are above the average.

In this case, as already mentioned, social payments, as well as pension payments to disabled people will not stop. And a survivor's pension, too. This technique will not completely stop, but only limit payments.

Negative consequences

The decree on the abolition of pensions for certain categories of citizens is not a very good reception. So far, in the form in which it is presented in the government, it is not suitable for use. After all, this step, despite the incomplete cancellation of insurance pension payments, will lead to a number of negative consequences. Which ones? There are a lot of them. Therefore, first we'll have to work through the corrections. And only then to enter them.

What negative consequences can follow if the pension is abolished for people who, after reaching retirement age, continue to work? The first and most obvious is the prosperity of salaries in envelopes. The population will be very happy to agree to "gray" and even "black" payments. And this is only to stay at the level of life that they were before the introduction of changes.

Secondly, many citizens will refuse work altogether. Especially this applies to those who after retirement at retirement age will be given good pension benefits. Therefore, the abolition of pensions for working people is still a disastrous step for Russia. It will lead to the prosperity of "dirty" earnings, as well as to a shortage of cadres in many positions. For example, in the field of medicine or education.

Thirdly, some pensioners will go to work for foreign companies, but they will have the right to receive insurance pension payments in Russia. That is, people will certainly find a way out of the situation - both how to work and how to receive a well-deserved pension. After deductions to the Pension Fund of Russia are made not just. And I want to get them back when the time comes.

Impossibility of administration

Another problem that can be cited by the decree on abolishing the pension for retired people who work is rallies and riots by the population. In Russia, the subsistence minimum for people of retirement age is higher than social payments. And so many have to work to ensure a normal standard of living.

In Russia, it is impossible to cancel pension payments on the terms that are proposed. In any case, while mandatory support will not reach the subsistence minimum in the country. Otherwise, people will simply fall below the poverty line. And this will cause a wave of discontent. Especially from those who honestly worked and made payments to the Pension Fund of Russia.

Different conditions

The decree on the abolition of pensions for working pensioners is not a myth, but not a reality at the moment. As it has been repeatedly said, it is necessary to work out the system so that it does not cause much damage to the population. At a minimum, raise social support to the subsistence level. But in a crisis it is very difficult to do this.

You can consider a variety of conditions for termination and appointment of appropriate payments of insurance pensions to working pensioners. For example, do not make payments if all the income received by an elderly person exceeds the subsistence level by region.

Reverse result

Some in general say that the abolition of pensions for working pensioners means the real death of the country. Why? In times of crisis, it is necessary to somehow replenish the state treasury. But if citizens do not have money, then there is no one to do foreclosure!

Working pensioners, just like everyone else, make contributions to the FIU. And with their earnings, taxes are withheld. Accordingly, the treasury of the state after all, but replenished.

If pensioners are left without an insurance pension, as already said, many simply refuse to work. And then in general, no additional money will not flow into the treasury of the state. Even if we consider the situation with a "gray" salary, the money will still begin to decline. It turns out that the abolition of the pension will have the opposite effect. No employees - no deductions, no deductions - no replenishment of the treasury, which was originally sought.

Unfair decision

All of the above discussion is not the worst. The fact is that the abolition of pensions in Russia for people who work after reaching retirement age, in time can become quite a real phenomenon. But then it will be extremely unfair. Why? If you do not take into account the above arguments, you should pay attention to some other factors.

Now in Russia for women the retirement age is 55 years, for men - 60. After that, citizens have the right to receive either an insurance pension or a social pension. It all depends on the length of service. Most often there are insurance payments.

If there is a pension abolition, then this will be an unjust step. After all, Russia is actively discussing the issue of raising the retirement age to 60 years for women and up to 65 for men. Why do many talk about injustice and what does insurance pensions have to do with it?

All because of the average life expectancy in the country. Many current pensioners can lose their pensions in principle. That is, do not live to see it. And this is only taking into account the increase in retirement age. It's one thing when a person works and receives money from the state as a support, the other when he only contributes to the Russian Pension Fund and even does not reach retirement age. Money simply "burned" for such a citizen.

It turns out some kind of injustice - a person conscientiously works all his life, observes civil duty, and the state never takes upon itself the legal responsibility to provide the population in old age to some extent.

Are there any payments?

What else should I pay attention to? It is already clear that at this stage, laws and amendments that impose a suspension of pensions for working pensioners do not take place. They will only harm. And it's good if they do not cause a civil riot. Therefore, this amendment has so far been postponed.

It has already been said that indexation of insurance pensions will not be in 2016. But how to be a working pensioner? To leave to receive insurance type support? Not at all. In 2016, all working citizens of retirement age will receive pensions. But only without indexing.

It turns out that the accrual conditions remain similar. Only all non-working citizens who have reached retirement age will receive payments taking into account 4% of indexation. And those who are employed - without additional increases. The government believes that already the abolition of indexation should be enough to replenish the state treasury in times of crisis.

conclusions

What conclusions can we draw from all of the above? The abolition of the pension will not take place in 2016. Has the relevant decree been signed? No. Instead, the government decided simply to cancel the indexation of pension payments to those pensioners who work at the time of charging money as government support.

In general, eliminating pensions for working pensioners is an idea that can become a reality in Russia. Only before implementing it, it is necessary to review the level of social support for the population, as well as take into account the life expectancy in the country.

At the moment, there is nothing to be afraid of. Nevertheless, many are advised to begin saving money for old age on their own. After all, more and more often in Russia they say that it is becoming more difficult to make the appropriate payments from the state. And if you do not take any action, then the country's budget will literally in a few years come to zero balance. Pensions will not be paid.