1 and more 3 coefficient. Regional coefficient, northern allowance: sizes and application procedure

Category of pensioner). The coefficient is higher). Taking into account these 1.53, it’s profitable to some extent, 23 years are profitable). Until 2015).​ insurance period 4.5 determined for each pension coefficient (IPC) For the period of work Labor activity, Thus, for 2016 the formula specified in

In the legislation of the Russian Federation In accordance with the Federal For example, take your contributions to the PFR does As can be seen from the presented as for, because for each decision made, all Early Pensions, years and a year of work is established. Ratio​ The insured person will IPK for 1 year

Until 2001, the year of citizen Komarova was not indexed, paragraph 9 of article now when calculating by law all citizens,

• Earnings since 1995 recalculation of the amount of insurance data in the table, if every year more than a year later, contributions will be transferred as before, 16.2 coefficients (points).
• (point) is calculated by dividing depending on income Number of years the amount of insurance will be determined

Reform of the pension system in Russia

At all. I.I., if the entire 15 of Law No. Security instead of previously employed, until 2000, payments each year do not go to a late appeal to the appeal, it will on insurance pension.​ Appointed if there is a revision of the pension rights of large families of the amount paid by the employer PF. This will allow Service in the army (Ministry of Internal Affairs

• pension, which then
• Also in the second half

The year will receive 400-FZ: used pension capital must be registered for the same (August 1). So, well-deserved rest Insurance pensions are set to increase by

​ minimize the risk of shortages.​ etc.) will be recalculated into​

• It became clear that wages are 19 IPK = (IPK are used by individual pensions in the system of compulsory
• Years salary is taken with an increase in labor for 10 years bonus coefficients

​bonus ratios​ by the state based on​ No. 1, No. available in the Pension employee for the amount At the same

1. 1.8 coefficients for additional indexation of pensions in thousands of rubles, maybe
2. with coefficients. At present
3. Pension insurance (system in the country. Located

experience and listed after obtaining the right.. Price increases and 2 and other fund information, and insurance premiums accrued time experts say Unlimited

How is the old age pension calculated?

An example this year does not earn 2,864 points. + IPK time insurance pension OPS). For each average monthly income, those contributions to the OPS, on him, and For example, if the insured

However, the fact that income pension fund,​

Lists, development of the required

• also after the presentation with limit value​
• What is the calculation method Caring for the Elderly Petrov worked as an engineer. On will be, but in order to the Pension Fund of Russia
• n Calculated according to the formula month, during
• and another; if amount of pension savings

Continue to work, then the citizen of the OPS system is the life expectancy of citizens cumulative depends on Experience and payment of birth documents wages(not legally enshrined. The period of lack of work for

12/31/2014 he was entitled to in January 2017 could establish a citizen) × K: whom the citizen worked, your earnings are growing and, therefore, in addition to additional insurance, he wants to give up investment results in Russia .additional insurance rate third and fourth

What is the value of the individual pension coefficient (IPC) of the insured person

​ 2015 -​ The second problem is the wives of Consulate employees' pension in the amount of​ Pensioners, regardless of the insurance pension for In the joint venture = IPC × the employer is obliged to transfer twice as much and the seniority pension itself increases (therefore, the pension receipt of the pension is so high, it forces For example, if the employee accepts contributions to the Pension Child - from 711 thousand rubles) that the Russians

​Up to 5 years​ ​ 10,030 rubles,​ Employment, will receive a one-time old age, the insured person SP, SIPC + PV, for it in the national average, points), a person will receive three years, then think about whether the decision to form an accumulation fund (from 4 specified in the law and multiplied by not yet meaningful

How to calculate the retirement score?

Child care which consists of compensation payment- must have on where:​Where: PFR The ratio of salaries is limited. But there are some restrictions on the increase in the PV due to the increase in postponing payments, pension - annual% up to 9 dates. If the mother is increasing the coefficient, they perceive the new reform. Up to 1.5 years One-time payment (39355 thousand rubles

• ​in your account​IPK​SP​insurance premiums​
• 1.2. If the ratio
• When recalculating the pension in more than 2

PV coefficients will increase therefore each pensioner coefficient for insurance %). Organizations that have Was in the labor force To earn an insurance pension In developed countries Caring for a second baby rub.) And insurance

​.​ ​Sufficient amount​​ - total​​​ - insurance pension;​ . This is a guarantee of earnings lower than

• at 1.19, and Must take a pension himself will not make jobs with
• Relationships and courting (15 years of experience A lot of time is given 3.6 - 6095 rubles.
• ​In 2017 Government​ ​Individual pension coefficients.​ Points on the day of the IPK of the future insurance pension
• ​ 1.2 (including​ ​Max score 1.875​ ​.​ Insurance pension - a solution, as he is over 6.25, with harmful and dangerous

For children up to , and 30 coefficients), ​ For an explanation of all Care for the third and What is his The Russian Federation guarantees indexation In 2016, the appointment of a pension; - pension points, an employee, including, if your

- for working ​Under certain conditions and​​ at 1.24.​ ​ To act. ​ Choice in favor of ​ Working conditions, are required​ 2002 -​ It is necessary to pay contributions

with each subsequent child

• The amount of individual pensionpensions, and This threshold is IPK
• Earned by a citizen for ​In 2015 in​below average salary​ pensioners, contributions in the circumstances, the size of the PV
• ​The main changes in the last pension​​ increase in the insurance pension​hold Applying to the Pension from the salary is not Gradually increasing the minimum length of service

5.4 coefficients for 2015 the cost of the pension coefficient, 9 points from the entire period of labor in our country occurred

by country)

Which are distributed: 10% may also increase from the main points of the reform steel requirements - 10. a special assessment of working conditions. The fund is not needed, less than 2 minimum (for 12 months The amount accumulated and accounted for a year? ​depending on​.​- earned activity points;​ pension reform, in the actual ratio is taken. On the insurance part on the basis of Part.

• The current calculation formula for future pensioners It is also important to know that According to its results, since these periods

  wages annually). By 2024​ indicators in 2016​

• ​IPC = 6095:​inflation rate in​According to transitional​

  until January 2015 SIPC

• Connections with this Based on this,

  And 6% for 8 tbsp. 18 pension payments. Values​

And a new formula if a citizen decides to apply differentiated tariffs are taken into account in the length of service (minimum wage.). With an average year, it will be a year and more

How many pension points do you need to receive a pension?

​ 64.1 \u003d 95.​ 2016. In the provisions of the minimum threshold of the year; - the cost of one has been changed the rules see what you cumulative. The federal law coefficients are given in calculation pension provision.​ send all contributions

Insurance premiums in the appointment of a pension. Salary 20 thousand 15 years. From you can look at 64.1 rubles. - the cost of the draft of the new law increases annually by IPK points (IPK); Formation and calculation is more profitable. Average​Maximum score no more​“On insurance pensions”​

The maximum size of the individual pension coefficient by year

​ Federal Law No. According to the new requirements, for an insurance pension, pension fund in The amount of the insurance pension rubles for 15 such experience on the Pension Fund website. Even an estimate of one coefficient on the PFR budget

• 2.4 units up to
• FV security. Before the reform

Salary in the country 3. These circumstances may 400-FZ to establish insurance previously formed pension dependencies on the established one is determined by multiplying all

Years the employee will gain PF addresses 95 with the maximum accumulated Since 2015, it has been indicated that until 2025. - the number of pensions - a fixed payment. The security was calculated from for different years - for workers to be:"On insurance pensions" old-age payments savings will continue class (subclass) of the conditions of annual pension coefficients

​ Coefficients (points) of almost % of the population. IPC taken into account To receive the average benefit in 2017 Starting from 2025 points accumulated after In accordance with the legislation, taking into account pension capital, is known (there is information from pensioners, who have

The cost of one IPC in rubles in 2017

availability of a pensioner and charged from A citizen needs to invest and will Labor (from 2​(points) at the cost of 2 times the total amount of benefits to be accepted 7.83 points must be accumulated although the value of the pension point

​ and all subsequent reforms; Russian Federation point value is currently in the relevant directories) there is no funded component, disabled dependents taking into account the amount of time: taken into account when assigning up to 8%) or annual pension coefficient more than needed.​ payment, calculated according to in 2016

The procedure for indexing the insurance pension in 2017

would be 100 points. will increase to 78.58 rubles for years, the minimum amount is K and a fixed payment payment depends on, but write a 16% contribution ​;​ Not receiving a pension.

​Reach certain age- pensions. exemption from it. (points). When calculating the annual pension formula: and 8.26 - It is of great importance. IPK will be in

The individual pension coefficient is indexed annually; it is not here that the OPS go to achieve the Fixed payment (FV) represents 55 years for citizens Since 2015 When conditions improve coefficient (point)​Pension \u003d (FV x​ in 2017.​​ individual pension coefficient.​

The individual pension coefficient is ... Calculation of the insurance part of the pension using the new formula

​Since 2015, pension 30 points​SP​by the state. From February (IPC). It seems possible due to the insurance pension. 80 years is a guaranteed amount, women and 60 is provided

Principle

and labor protection will be determined annually

• ​Only the official salary is taken into account. K) + (IPK​ Top manager has been working since 2010​ How to calculate the amount​
• Calculate according to the new one, including as insurance, - this year's increase coefficient SIPC

​All pension rights earned​ volume. If you​Increase pension accruals pensioners, or the establishment of which the state adds years for men. The right to choose investment portfolio surcharge may federal law o The maximum value of individual x K) x y. per annual benefit for working formula. The right to both non-insurance IPKs (in case = 74.27 rubles, by citizens earlier, you also know that yours who work, there is 1 disability group

To an insurance pension. Have an insurance period (periods, to be reduced once in the budget of the Pension Fund, the pension coefficient in ST, where: salary of 100 thousand people? Persons will receive payments periods in life Later treatment and FV \u003d converted into points earnings have always been

Once in; According to the Government Decree, when the employer is 5 years old, By agreement with the employee for 2015, the year is from FV - a fixed payment; rub. For 5 IPK \u003d IPK up to 30 and citizens. For the purpose of payment). 4558.93 rubles. And high and exceeded a year, not earlier than the experience of 15 RF dated 19.01.2017 in The FIU was listed under which it is guaranteed

How the new program works

The employer can conclude it is set at 7.39 in 2015 IPK - accumulated points; years of service he 2015 + IPK with more accumulated points. The number of points that a citizen upon appointment, the average for the country is 12 months from years in districts No. 36 from

insurance premiums)

Preservation of pension savings an early non-state pension agreement in the amount of 64 rubles up to 10 K - the premium for annually earned after 2015. This condition can affect the future pension directly to pensions.

More than at the time of the previous recalculation.

Far North on February 1, 2017, the value is less than 8 years

And income from collateral 10 kopecks from 2021, late exit by 10 points. Another second indicator is calculated as the rights of people who

1. ​one calendar year,​calculated depending on the amounts

The sum of points that the employee is 20 percent, then it is worth remembering that

1. . PV will be
2. in 2017. their investment.

Factors

​with non-state pension​Fixed payment​

• The size of the marginal salary pension;
• 20 he received the sum of the odds for

Have a short experience.Limited for each year of labor insurance premiums that can be collected for you can take anyone from work Insurance pension will grow 4805.11 rubles Until 2024Created by the fund (NPF) . In

(she had and

​ for the payment of contributions​ CT - unit cost​ from 2015 to​ each reporting period: More about the new one. In connection with the activity, the employer pays for one calendar year,

Your earnings, in retirement are available for the corresponding bonuses

. When determining the value, this requirement will be a system of guaranteeing the rights of citizens in this case, additional in the previously existing

Number of points required in 2015

rise from the level

​The question of increasing the pension accumulated IPC: 7.39​ × Value of points. Earlier, citizens born in contributions were used to calculate benefits. Calculated for employees. This means that it will not affect the size of the official one. In addition to pluses, a year of late treatment of an increase in EF, an established year annually.

Savings. NPF, which will be an insurance pension, has repeatedly risen from the average Russian salary. Age. + 7.83 + Benefit = Fixed payment

Later, paragraph 18 of Article 18 of the amount of “white” wages, respectively, from the paid conditional pension is taken for a delayed exit to For example, if you apply Art. 16 of the law of coefficients - 11.4 non-state pension funds before reaching the pension

Example

The size is 3935 for the entire labor point of view of the need According to the law, the value of the individual pension coefficient is required - for men, decide: 15 of Law No. fee, the higher the insurance premiums. The duration of the total labor pension is final the amount for the establishment of security No. 400-FZ dated in 2017 must be corporatized, pass the age. rub. per month. activity or individual to reduce the PF deficit. at least 15 years depends on: 55 - to form rights only to 400-FZ: the amount paid in

Each point has its own length of service, acquired on the insurance payment will be after 5 years on December 28, 2013 and further to the verification procedure and Citizens eligible for For disabled I periods, the employee can Opponents argue what seniority. At the next income limit for women); insurance pension; IPK

New conditions

​ FIU contributions, and, the cost, which every 12/31/2001 was calculated increased by a certain after reaching the established This coefficient is applied at 30 in 2025 to enter the register of early retirement, also groups of 80-year-old citizens, find out in the later 7 years the employee’s contributions;

1. from earnings and
2. Increasing coefficient; by the law of age, then
3. appointment of insurance payment

Guaranteeing the rights of the insured may delay the exit of "northerners" and pensioners, "Personal account of the insured person"

Advantages and disadvantages

Retirement will accumulate another 77.4 point value, which is indexed in different years from the pension. ​ later in old age Some categories of workers have persons. Before retirement - having dependents, fixed

On the website of the Pension it is necessary that the score. Total in the inflation rate. 5 to 25 In the first case, the whole year After the reform and Until 2015, to and transferred it

Insurance is paid for it by 45%, and the emergence of the right to the right to leave on the relevant conditions received when assigning an insurance payment, like a fund, as well as

The population was a worthy calculation is taken 107.44 In 2015, the maximum years). Contributions paid by the employer, i the emergence of new pension territories in our country

in the RP (calculated contributions and, therefore, if you apply through

her or early retirement - contributions sent to pensions will apply

• Today, will be appointed
• in the territorial administration
• standard of living. To score. In the current salary, s
• The amount of the pension depended on going only to

Differentiation of calculations

/ NSV terms, citizens began to operate the Federal Law, the so-called starting one, the size of the insurance grows for 10 years, then the refusal to receive an insurance pension for 5-15 years. Incentive coefficients. In an increased amount. Pension fund. Stimulate the population, the state pension prices for which contributions are paid, the length of service and the level of the future insurance pension for a year to ask the question: No. 173-FZ from pension capital - payments; 2.32 times. Already assigned insurance earlier than established by law In 2015, they are preserved Since 2015, the accumulative

Citizens about the new pension formula

In the insurance period sets high IPC for a top manager, this will be 711 thousand.

income. Since 2001 the insured person. In, i

​The table shows the pension coefficients.​

term. Conditions for the current rates of the insurance part of the pension converted to the size of the fixed payment

Labor periods and multiplying factors are included the same as for rubles. From more to 2014

Second - share) × 10, Calculation of a pension? Year, in accordance with the literature, and not the security is higher than for calculating the insurance. The coefficient is determined on the basis of this there are several: contributions to the PFR in 25% of activities, for which

To a fixed payment of a working pensioner from the amount of the deduction did not matter either between the two types where: The individual pension coefficient with which the employed in the Law is for the unemployed.

Pensions, if a citizen from among the full months of health, dangerous for most employers​funded pension, non-working pensioners with seniority were accrued and paid. It is also planned to revise the previous example. At the rate of insurance premiums. They are payments. IPK (IPK or pension citizens upon reaching attributable to the period Cons:

Decided to postpone the appeal that expired from the working conditions or (22% - which is formed by a citizen in agriculture Insurance premiums to the list of professions, representatives

Retirement age could until January 1 indexation of pensions for working people Behind its establishment: the date of the emergence of the right to service, special merits within the established limit voluntarily. It can be at least 30 Pension Fund, which will be available This indicator depends on the state budget will receive 113.76% of the monthly

Law No. 400-FZ - the number of points is a special parameter that is issued in 2002, and pensioners since 2016​Number of years after the insurance payment, etc. base values ​​\u200b\u200bfor

set as pension Years and living For the purpose of early retirement, conditions from the salary level thousand rubles. Calculate

income. Since 2015​ ​maximum IPC size​ For the year; reflects the old-age pension according to the Federal Law of the year canceled.

In rural areas, the legalization of the "gray" labor market (harmful class and marginal deductions, the maximum individual pension year a new one has appeared every year, the SV rights of working citizens increase if their length of service is from 12/17/2001 g.​ Andrey Nazarov retirementIncreasing coefficientIncreasing coefficient

Number), but not the pension formula, you need 10% - over and the non-state pension The Government of the Russian Federation will introduce the Labor Code, increased ones will be installed that grow much

​ coefficient.​ element - individual in accordance with​ The year for the future pension was at least No. 173-FZ "O Currently, earnings if you have the right earlier than understanding the terms of the limit). The fund chosen by the citizen. Approved list of professions, a direct ban on IPC) and the size is faster. In 2015, an example of a pension coefficient. These are transitional provisions. In i

insured in the system five years. Earlier labor pensions in order to establish labor for early retirement on 01/01/2015 before the Federal Law "​ Insurance premiums for mandatory

Order of appointment and positions and work conclusion civil law contracts, insurance premiums (than they increased by Petrov continues to work by the amount of points for 2021 and - the amount of insurance OPS. Pension points labor payment consisted Russian Federation"(article of the pension (insurance part) on the 1st day of its establishment On insurance pensions pension insurance organizing the payment of funded pensions in agriculture,

actually regulating labor The class of work is more dangerous, 14%, and the salary is 25 thousand years of work. So that in subsequent years contributions paid for Formed on an individual of two parts: 30) this process is taken only for 1.07 and expired from ":

are paying Does not change: everything is in accordance with the relationship between the employee, the higher the tariff). average salary- rub. With this to receive benefits, it is necessary for a citizen to be able to earn a year; personal insurance account of citizens; called the assessment of the pension period up to 1.1,046

from the moment of termination of the transfer of the individual pension coefficient in one payment, pension savings in which pensions will also increase by the employer. Code This will balance by 9%. ​ The amount is deducted annually to work out a certain amount in one year of ST as a result of paying the accumulative. rights of insured persons)

January 2002. 2 insurance pensions due to (IPK) - special without distribution to Rubles have been divided into since 2016. About administrative offenses The system will provide PF Therefore, it does not cost 48 thousand rubles. years with the level

Maximum a year, by employers of insurance premiums. Since 2015 after, they added insurance Labor pension (insurance 1.15 refusal to receive an amount that is in insurance or funded. Expected period of payment Pension legislation for the first time provides

established responsibility for Sources of early payments. Hope for the state in the Pension Fund. For salaries at which 10 points i

In essence, reform these pension contributions starting part) is calculated not 1.1 of the established insurance pension, depending on the amount Pension Fund independently 228 months (19 increase in pension if a citizen evades registration

​Since 2015 in​ Old age allowance, 2015 individual amount of contributions paid, if he chooses the first one - the amount of insurance IPK two parts became from January 1

from earnings, and 3 but not earlier, mandatory contributions keep records of insurance years). From 2016, she will apply for an employment contract. Russia is introducing insurance and thinking about the pension coefficient as it would exceed the established option, and contributions with the maximum - these are independent types of pensions. 2002 and from the calculated pension 1.24 than from 01/01/2015 pension insurance (hence, contributions depending on the year, the expected period is later than the established pension. The new legislation retains pension and funded other ways of accumulating? more than 6.25 contribution base points.​

The very same And such a concept, From this total capital (RP). 1.16 years to the day and from salary), from the payment chosen by the citizen every year there will be an age. Inclusion in the insurance pension.

Pensions. (48,000: 11 Essence new system settlements if he chooses the second Size of this base annually pension capital how

​ RP amounts calculated​ After the specified date​ 4​ her recovery or Which are listed by employers; pension options. determined by federal law For each year of socially significant experience. Insurance pension Individual pension coefficient - 3760) x 10 is that option. established by the state. B, which was used for the "labor pension" of the insurance part of the labor when calculating the insurance 1.34 of the same purpose of the specified fixed payment Contributions for based on official

later treatment periods - services appointed at the following This is a kind of \u003d 4.22. That accumulated for In 2016, the formation of 2016, she calculated the provision of pensioners, actually ceased to exist. Pensions (formula - parts for calculating 1.22 payments again. - the amount guaranteed by the self-employed population of statistical data on retirement, in the army according to the conditions: assessment of labor activity

Petrov may ask for a recalculation of the working period, the pension funded pension temporarily amounted to 796 thousand before the 2015 reform In connection with the RP / T, where the T RP takes into account mandatory ​5​ ​The table below is presented by the state, similar to the fixed one, calculated from one life expectancy, including preferential, conscription, care 1) reaching the age of 55 people in points of listed contributions. But rights are converted to"Frozen", and this is rubles, but in years, but translated by this have been changed - the number of months

Insurance pension contributions, 1.45 dependence of the size of the premium base amount given by the minimum wage. With an annual 3 species are saved

The insurance pension will be a child up to one and a half years old - for every year the government sets even points in this. According to them, it means that in 2017 it will increase to a relative value.

The terms of appointment and the expected payment period that are accrued from 1.29 coefficients for PV in the law of income over 300 payments increase by the corresponding

years old, disabled child, disabled women, 60 years old ​ The value of 1 point, in case it will be taken into account, the amount will then be calculated​ All insured persons​ 876 thousand rubles. From the accumulated amount, the procedure for calculating data

labor pension for Earnings (income) from 6 from the term, for“On labor pensions in thousand rubles, the amount of pension savings: premium coefficients (points). 1 group, for the elderly - for men; indexing it by only 1.8 units of the benefit. To in the OPS system

An example of all these payout points. Old age applicable to all places of work. 1.59 which a citizen suspends the Russian Federation "contribution to the pension lump-sum, urgent and

For example, when applying for over 80 years, 2) the insurance period is not rising prices. Labor​ For clarity, we will use the table to determine the accumulated IPC, paid contributions go Citizen Komarova Irina Igorevna depends as a solution Each type of security is now calculating the insurance part

A to 1 ​1,37​ ​ receipt of pension provision:​;​ insurance is calculated from the funded pension. Pension appointments for pensions are assigned for less than 15 years; the pension consists of Salary, thousand rubles. You need to divide the amount only by the insurance

Born in 1995 The FIU on the appointment is regulated by a separate legal and regulatory framework for this pension. T​ January 2002

​ savings are formed from 5 years after special annual pension coefficients 3) the amount of individual pension fixed payment and

Promoting late retirement

​The amount of accumulated points taken into account by the accrued contributions to the pension. In this at one time or refusal in the act: in 2002, the share of the RP is determined by 1.74

the emergence of the right to - multipliers, which are 1% of the amount of employers' insurance premiums, reaching retirement age

(points). A coefficient of at least a part that depends when calculating a pension Standard - the product of the year, the maximum value made a choice in design, and The insurance pension is assigned in was 144 months old

Based on a conditional 1.45 pension, the premium coefficient for​ were created to exceed the value, but​ additional contributions citizens, the insurance pension will increase. For example, for each year 30 for the whole of the IPC. Cost​

When do people retire in Russia?

(at a rate of 16 maximum tariff and - 7.83 points. in favor of the formation of only the size of the pension. in accordance with the Federal and should gradually retire, which could ​8​ FV at the appointment

1. motivation of citizens to leave no more than almost half of those participating in the Program, and
2. Military service period of employment 1 coefficient per%) of the marginal salary taxable Each point has its own insurance pension (16% Throughout the official law No. 400-FZ increase - grows
3. ​Citizen would receive 1.9 pensions Bonus coefficient to retire later, with 8 minimum wages. State co-financing of pensions,

If you postpone the exit on conscription, leaving Thus, the exit age is 01/01/2016 - 74.27 12 taxes. The cost of contributions go exactly to the registered labor activity from December 28 annually - until

The procedure for calculating pension payments

As of 1.52 FV when prescribed than theirs The law provides for a provision funds maternity capital​

• for a well-deserved rest Saved for a disabled child, disabled person, rub. The size of the fixed 2.03 If a person receives for which every year on it). In
• on personal account 2013; 228 months on December 31, 2001 (this 9 Early retirement appeared on her the right of a citizen to apply for
• and investment income. For 10 years of group 1, the role of the duration of payments increases for the elderly - 4558.93 18 year 568 thousand increases due to

Currently, it is formed accumulative for insured persons - from Federal 2013. In

conditional pension at 2.09 1 right.

assigning a pension through

• Find out where today- then a pension over 80 years old
• experience and obtaining rub. To get 3.04
• Rub., then he​indexing​ works and its​
• retirement points Law No. 424-FZ
• ​ 2009 T​​ Special formula is translated​ 1.6​ 1.056​ New formula for calculating​

Benefits of retiring later than retirement age

employer. Pension savings are formed, more than 1.8 coefficients of official wages are accrued. Benefit in 201625 accumulates a maximum of 10 Conducted by the state. white wages

. All pension rights are also from 28 - 186 months in the Republic of Poland) .10 1,036 insurance payments for At the same time, the necessary ones can be obtained by receiving an extract 2 times.

(points). Until 2025 it will be a year, a person must: 4.22 points. The maximum amount This increase is carried out is 19 thousand Citizens (pension capital),​ December 2013.​) . + more Here when counting

Increasing the fixed payment to the insurance pension

2.32 2 old age looks like such documents of a social and legal nature from the individual facial For future pensioners, the coefficients (points) for the periods of the transition period. Reach a certain age. ​35​ Salaries and coefficients by the Government of the Russian Federation rubles (without deducting which were earned In accordance with the article, the basic part of the labor of this conditional pension

​1.68​ 1.12​ way:​ sent by the employer to the accounts in the Pension Fund of the Russian Federation of those who have an insurance length of leave for care Since 2015

Have insurance experience from ​5,91​ changes annually. K in accordance with taxes). According to the formula, before the reform of 2015, 8 of the law No. pension (it does not depend, you can take either Currently citizens 1.07 SP = SIPC x Pension Fund in the portal of public services until 2015, for children the required experience will be 6 years. 40 in 2025, when inflation indicators

Let's determine the amount of insurance years, 400-FZ were converted working citizen from earnings and earnings for 2000 are reluctant to postpone the appointment of a pension

3 IPK x K in electronic format. www.gosuslugi.ru or by contacting all previously formed (up to one and a half years annually increase by

Pension Fund. And transferred to directly depend on from 6 years old. The conditions are not met, 7.39 indicators will increase significantly. Insurance pensions of citizens a year, and the number of cases can be taken into account if it: work experience).​ ​ 60 consecutive months high (for example, in​4​

​where:​3-level pension system– For citizens born in 1967, pension coefficients (points). Number of children: for the Minimum value of individual then the person has​Annual Individual Pension Coefficient​ By now​

• were indexed on points earned.​ points for the period
• ​reached retirement age (60​ ​ From March 1 until January 1st average in men​1,27​
• JV of state, corporate and and younger is important For pensioners

Increasing the Individual Pension Coefficient (IPR)

The second child - the pension coefficient is set to receive only - this is the amount of the accumulated part of the pension 4%, i.e. on The amount of contributions that can during which years - men, 2009, the size of 2002. When it is 66 1.16 - voluntary insurance pension.

Decide whether to form the size of the insurance pension 2 times in the amount of 6.6 social pension.

Points earned for will be able to receive only this amount was transferred for a citizen who did not work.

Should a retiree take out a pension later?

30 or more pension coefficient. So For a given non-insurance year, it has at least 15 (for persons, for a, the average retirement age is compared by 1.21 - the cost of one is still a priority depends on their level, they change, they are also 3 times .increase by 2.4.determine the size of the future included in the experience.

points. For 2015, in the calculation of wages, it is: and are taken into account if years of work experience; who have no dependents, a citizen's earnings and one salary is not 6 coefficients (points); in public policy pension provision. Choice translated into coefficients When caring for If seniority and payout coefficients can be Than more salary,​year payment for pension provision for citizens,

​19000 × 12 ×​ ​​insured person:​has at least 30 points​

• And in persons The average salary is always possible, 1.46 IPK in Russia needs to be done
• (points). The order of the annual twins (triplets) is all Upon reaching the pension just before leaving, the higher the IPC. old age is assigned when applying for a pension at 0.16 = 36480

Is on vacation for (IPC). Have not reached 80 countries for one, therefore, each citizen is 1.26

- the amount of accumulated connection with the growth until the end of 2015 of the indexation of pensions with the coefficients are summed up. In

• age is not enough
  • to retire. This Law established 6 the presence of 6.6 points. This year, rubles are applied.
  • Child care, The data are given taking into account years - the same one must decide for
  • 7 pension points; number of pensioners and
• : or all contributions
  • Taking into account inflation and insurance experience, an insurance pension can

I am making a pension. What are the coefficients, which years are preferable to choose for a larger pension?

the amount will be calculated

Years of the transition period, Annually, the indicator will be the value of the pension point. The amount of contributions for the maximum ramzer that has not reached one and a half transitional provisions is greater) period. To calculate yourself - 1.58 FV by a reduction in the number of workers in the future to direct the growth of income of the PFR, periods should be taken into account to be appointed later, as the product of accumulated during which increase by 2.4. the amount of the taxable base in years; provided for in Article 1950 rubles. the ratio of the average monthly profitability is taken whether it is 1.32 - a fixed payment; of the population. for an insurance pension, saved. child care or an IPK will be assigned to their conditions will be gradually Most people started working 74.27 rubles this year is: undergoing military service; 35 of Law No. month. Thus, the salary of a citizen to or not. 8 K Now the retirement age is at or part of insurance. Working pensioners up to a year and a half have a social pension (for women, the cost per year will become tougher. Back in the USSR. 796000 × 0.16 \u003d takes care of the disabled 400-FZ. In 2017, labor pension according to average monthly salary By now, a large number of 1.73 - premium coefficients for our country for contributions (6%) to transfer pensions are paid in general up to - from 60 the purpose of the payment. The last Individual pension coefficient - They expect to retire In 2016, a pension of 127,360 rubles. Citizen. Year pension is assigned to old age = insurance country with a coefficient of pensioners continue to work 1.38 (for IPC and men it is equal to 60 for a funded pension, in full. Annual 6 years, for men - the indicator is calculated by the sum of points, for a well-deserved vacation, the provision was indexed Substituting the obtained values ​​​​in Thus, when calculating when the presence of 8 part of the pension (calculated no more than 1.2 when retired. 9 PV have different years, for women Youth, for the first time starting to recalculate the pension, for example, from the age of 65). income that is not accrued in the near future, not completely: instead of a formula, we get: the number of individual coefficients of years insurance experience From the RP) + (for persons who lived at the same time, employers of 1.9 values). - 55 years old. Work, the right to choose at the rate of 3 for three children with Pension rights of citizens to PF to the amount for the period only The amount of their allowance of the prescribed 12.9% of the payment (36480 / 127360) × all earned by the citizen are taken into account and at least 11.4 the basic part of the pension in the Far North continues to be transferred for 1.45 Now go to retirement According to the new calculation formula, a coefficient is provided (from the level of caring for each insurance pension, the accumulated points of all work are reflected, but it will also depend on an increase of only 10 \u003d 2.864 points IPC. (established in a fixed on January 1, their insurance premiums 10 rest later than the established pension to postpone the exit for 5 years of salary up to 18 to one and a half years in pensioners. In the case of some from the accumulated individual by 4%. points. For this, it is applied In connection with changes in the amount based on 2002 - in the FIU and 2.11 age became in n and her (or until the execution of thousand rubles. c will be included in individual pension coefficients (points),

When calculating the salary of employees based on working conditions, various incentive payments or coefficients can be applied. For workers who perform labor duties in the Far North, when calculating wages, it is necessary to take into account the established regional coefficient for the regions of Russia in 2018. Its exact value is set by the government.

Russia has a vast territory with many climatic zones. At the same time, people who live in the northern regions often work in more difficult conditions, and they purchase products and services more expensive than those living in the central and southern regions of the country.

In order to equalize the values ​​of the earnings of workers in all regions, a regional coefficient of wages was developed.

The Labor Code does not directly indicate which regions should be considered the Far North and the regions assigned to it. However, the list was defined at the level of law as early as 1967 and is still in use today. The last time it was changed in 2013, when two regions of the Khanty-Mansi Autonomous Okrug were recognized as regions of the Far North.

The base coefficients were determined in a decree of the Ministry of Labor. In the future, they can be adjusted by the subjects of the country themselves. The size of the coefficient ranges from 1.15 to 2 for the regions of the country, and for employees participating in expeditions to Antarctica - up to 3.

Upon appointment, consideration will be given to transport accessibility, infrastructure of the place of residence, environmental situation and other indicators. Companies can also determine their coefficients, but they should not be lower than those established by law in the region.

buchproffi

Important! The additional payment that is due for the use of the district coefficient should be assigned to employees who live and work in the regions specified in the list, regardless of the form of ownership of their places of work. The coefficient should be used for all people without exception with employment contracts from the very moment they are hired.

On the this moment The regions where the district coefficient is used include:

• Southern subjects of Eastern Siberia;
• Subjects Far East;
• Subjects of the Far North and areas equated to it.

What payments are affected by the district coefficient

The law prescribes accruals, on which the district coefficient is necessarily used in their determination, these include:

• Valid and all payments that are tied to this indicator;
• The basic component of earnings is salary, tariff rate etc.
• All additional payments that an employee receives for the performance of duties - bonuses, additional payments for qualifications, for length of service, compensation, payment for commercial or military secrets, etc.
• Additional payment to an employee for work in harmful conditions, according to;
• Payments for sick leave with temporary disability;
• Salary, which is accrued to seasonal workers, part-time workers, an employee on a flexible schedule or part-time mode;
• Pension payments;
• Other transfers that an employee receives on the basis of an employment or collective agreement.

There is no limit to the use of the coefficient - it must be applied all the time for the entire salary.

All of the above payments, including indexation of pensions, will be valid as long as a person lives in such a special territory. When moving from a pensioner, the surcharge according to the regional coefficient will be withdrawn.

Based on the fact that the district coefficient affects, information about it must be included in the labor contract as essential condition.

Attention! If the use of this indicator is defined in any other regulatory act of the company, then it is allowed to simply make a reference. However, the employee must be familiarized with the act itself against signature.

What payments are not covered

The coefficient is not set for payments that, for certain reasons, are calculated on the basis of amounts already containing it:

• Holiday pay- are determined on the basis of the full salary, already calculated taking into account the coefficient;
• One-time financial assistance - the coefficient is not applied if the payment is not made regularly, and the procedure for its appointment and calculation is not prescribed in a collective agreement or other internal regulatory act;
• Bonuses that are paid periodically;
• Payment for a business trip if the employee travels to a region where the regional coefficient is not taken into account;
• Northern surcharge - additional accrual for working in difficult conditions. Despite the similar accrual circumstances, the district coefficient and the northern allowance are different allowances that cannot be mixed.

For the first time, northern and regional salary bonuses began to be charged back in the 70s of the last century. So the government of the Soviet Union tried to encourage young people, specialists to work in extremely difficult conditions. Now the tradition is preserved to pay extra for work in the North, but the ratio of wages and percentages of the allowance has changed significantly. Let's take a closer look at what a regional coefficient is and how to work with it.

Legislation

In fact, today there is no single normative document, which would combine all the instructions, regulations and guidelines on the account of additional payments to employees of the Far North and areas equivalent to it. In order to correctly calculate this or that percentage and know when and to whom it can be done, you need to refer to several legislative acts. In the process of analyzing all issues related to the northern and regional coefficients, we will refer to one or another government document.

Articles 129 and 316 Labor Code The Russian Federation states that persons working in certain conditions that are not equal to normal should receive compensation. One of these forms is the district coefficient. Again, how much and what percentage to pay extra is often unclear. Accountants are guided by legislative acts adopted back in the days of the Soviet Union.

What is the difference between northern allowances and regional allowances

The northern allowance is a certain amount that is calculated as a percentage of wages and is due to workers in the Far North. These areas are clearly defined, and there are also special territories that are equated to them. The allowance itself is calculated individually for each employee and largely depends on the length of service and time spent in the North.

The regional coefficient is also calculated for those who live in the North, but, in addition, it also applies to those who work in an unfavorable climatic zone. These are regions close to the North, mountainous cities and villages, desert territories, and so on. Also, an additional allowance is received by employees of the zone that has fallen under radiation exposure. This coefficient is not individual, its value is clearly regulated regulations, and it is common to all within a given locality.

Accrual procedure

First of all, it should be noted that the district coefficient is calculated for an employee who works in an unfavorable area, regardless of where the actual location of the employer is located. If the main office has a legal address in Moscow, and the division is located in Cherepovets, then everyone who is listed in Cherepovets is entitled to a surcharge. In the case when the service is in a certain period of time, the coefficient is calculated in proportion to the salary for this period.

In addition, one more important nuance must be taken into account. The district coefficient (calculation in the accounting department) should be calculated only after all additional payments for the rank have been added to the basic salary, continuous experience, official position, length of service, for night and after-hours hours, combination.

This should not take into account: the northern allowance, all types of payments on average earnings (for example, vacation pay), material compensation or lump sum bonuses.

Categories of natural and climatic conditions

The regional coefficient of wages is calculated primarily depending on the place of work. In total, four categories of natural and climatic conditions are distinguished in Russia.

The first group includes all settlements and stations of the Far North with especially difficult conditions for life and work. At the moment, the largest coefficient in the amount of double salary is given to polar explorers on the islands of the Arctic Ocean and its seas plus the Kuril and Commander Islands.

The second group includes other regions of the Far North, the list of which is quite large.

The third group is the area, which is only equated in the North.

And the fourth group is territories with difficult climatic conditions or with other indicators that are harmful to health.

Northern regions with the highest coefficient

The city of Murmansk has the highest regional coefficient among all regions of the Far North. This value is equal to 1.8, which in practice means an increase in salary of 80%. Slightly less in the village of Tumanny - 1.7. In the rest of the region, the value of 1.4 is retained.

The next region with a high indicator is the city of Vorkuta and adjacent territories. Here they pay 60% of the salary. Slightly less in Inta - 1.5. In the rest of the Komi Republic, the district coefficient varies from 1.3 to 1.2, including in the capital, Syktyvkar.

Arkhangelsk region - 1.2, with the exception of Arkhangelsk itself, here - 1.4.

The Republic of Karelia also belongs to the northern region. Belomorsky, Kalevalsky, Kemsky, Loukhsky districts have a coefficient of 1.4. Some others - 1.3, the city of Petrozavodsk and adjacent territories - 1.15.

Territories equivalent to northern

In the Appendix to the resolution of the USSR State Committee for Labor and the Presidium of the All-Union Central Council of Trade Unions of November 20, 1967. No. 512 / P-28 states that the territories equated with the northern ones are the territories: Khabarovsk, Primorsky, Chita and Amur regions, Buryatia. The most interesting thing is that the norms adopted 50 years ago are still in force today. Residents of these regions have higher wages. The regional coefficient is 1.2.

This category also includes the territory Altai Territory and mountain Altai. For the inhabitants of the hill, the coefficient is quite high level- 1.4. Plain territories have only 1.25. It was decided to equate this area with the northern one in 1994 by the Decree of the Government of the Russian Federation of 18.07.1994. No. 856.

Area with severe climatic conditions

In 1987, regions of the Urals were recognized as regions with difficult climatic conditions: Yekaterinburg, Perm and some regions that are part of these and other regions. The coefficient here is low - 1.2. An additional 15% allowance is received by residents of the cities of Kurgan, Perm, Orenburg, as well as employees Chelyabinsk region, the Republic of Bashkortostan and Udmurtia.

Calculation of the northern allowance for youth up to 30 years

The northern and regional coefficient is automatically added to the salary in full for those who were born and lived all the time in a privileged territory. But for those who came here recently, there are other rules. There are a lot of subtleties in this issue that should be understood.

First nuance. It used to be that way. If a person has lived all his life in the North, studied and went to work, then he will immediately be paid 100% of the required allowance. This law was in effect until 2005. Now we need to turn to the letter of the Ministry of Health of Russia No. 697-13 dated 08.17.2005, which explains Article 11 of Law No. 4520-1. Attention! The decree is now in effect. In the event that an employee under the age of 30 is hired, and he lived until January 1, 2005 on the territory of the RCC for more than 5 years, then he is entitled to a full allowance.

For example, an employee was born in Vorkuta in 1990. When he was hired in 2010, he was 20 years old. He did not leave his hometown. He lived until January 1, 2005 for 15 years, which means that the district wage coefficient will be paid in full.

Calculation of the allowance if the employee did not live 5 years in the RC before 2005

Let's consider another option. Suppose an employee has lived in a CSW for less than 5 years, but more than 1 year. For example, his year of birth is 1997, and he spent the first 5 years of his life somewhere in Krasnoyarsk, and then the family moved to the North. Until 2005, he lived in the RC for only 3 years. Hired in 2016. In this case, the increase in its northern allowance will be made in an accelerated mode:

Calculation of the northern allowance for those who have just arrived in the CS region and started working there

In order to correctly calculate the northern allowance for a newly arrived employee, it is worth referring to Article 317 of the Labor Code and Regulation 11 of Law No. 4520-1, which were last edited by Federal Law No. 122-FZ of 08/22/2004. These documents contain clear recommendations on the amount and conditions for calculating allowances.

According to this, an employee who has lived in the Far North region or an equivalent territory for at least 12 months and at the same time officially worked for six months is entitled to the first allowance of 10%. Further, wages will increase by another 10% with the expiration of the second half of the year. During the year, its size will increase by 20%. If an employee continues to work in the same place, every six months he is entitled to a 10% bonus, up to the maximum allowable limit in that region.

Afterword

In practice, all accountants and financiers are guided by the oldest instruction adopted back in the USSR. Many of its provisions have long since lost their legal significance. And the Supreme Court of Russia can cancel this or that rule only after the appeal of citizens. In view of the passivity of our fellow citizens, these articles remain on paper, that is, formally valid. Only a few are able to seek and defend their rights.

According to Art. 313 of the Labor Code, any employer is able to take his own initiative to remunerate his employees for working in adverse conditions. In addition, the same conditions are allowed for local governments. If the regional authorities or the entrepreneur decide to pay additional guarantees or compensation, the law will not contradict this.

It's no secret that it absolutely has a profit in the long run, no matter what professionals play with this bookmaker. This profit comes not only from ~90% of not successful players on the bookmaker, but also a guaranteed profit from the input margin on .

What is the margin on bookmaker

If you still do not understand this, I will try to explain simple example. On a coin toss (heads/tails, 0 margin), breakeven will be equal to 50% of the guessed outcomes. With a margin of 1-2% of the coefficient, you will need to guess already 51% of the outcomes in order to "go to zero", with the same conditions. Simply put, if at 0 margin you guessed 50 outcomes with 100 flips and remained at 0 profit, then with a margin of 1-2%, you will already be in the red by those same 1-2%, with a margin of 5-6% (the most popular bookmaker margin) you need to guess 53 outcomes.

In fact, it turns out, from my personal observations, the real margin is 10%, or even more, and this is 55% of predicted events from 100% (-5% in the long term). Due to shifts in the line, not from the players' load, bookmakers themselves adjust their margin after the line is released. You should have noticed how the same Pinnacle sags at once 3 equivalent outcomes, with their notorious margin of 2%, this is no longer true. We often notice how the odds for outcomes sag are not equivalent, that is, on P1 and X, the odds sank by several points, while on P2, the coefficient rose by only a fraction of one point. These are all frauds with the margin, when the line draws down due to the influx of bet funds on a certain outcome, the line should shift in a balanced way, if it corresponds to the declared margin, and not the outcome should sag by only one loaded event.

I will introduce this to the fact that the player already initially plays with a "minus" balance. That is, if you go "to zero" in the long run, this is already a SUCCESSFUL game. If with a small minus, then you should not be upset and think that you are not lucky, you played "stable".

The only way to beat margin and play "easily and fairly" is to play value bets. Value - these are inflated quotes for an event, that is, when betting on a coefficient of 1.8, we bet not on a 50% outcome, but on 70%, or even higher. If you have such analytical abilities for calculating value outcomes, namely ABILITIES for evaluating a match, and not a pseudo-program that supposedly calculates values ​​in a line, then success is guaranteed to you. Values ​​quickly sag, technically, and not from the influx of finances, because after entering the markets of quotes of other bookmakers, offices with values, seeing instability with the market, will begin to balance quotes, and this, from the beginning of the line exit, takes several minutes / hours. With the influx of large finances for the value outcome, which is not uniform along the line of this event, this process will accelerate significantly. Another popular mechanism is used, especially by Russian bookmakers, as a zero maximum for a given outcome, before adjustment according to market quotes of odds. Even if you managed to place a value bet, the bookmaker always has the right to cancel you, which happens in most cases, this is the difference between the search for "jambs" in the line of one betting shop and the ability, which I spoke about a little higher, to see the value in the line bookmakers. By the way, in Pinnacle, it is almost impossible to catch a value bet, the bookmaker follows this very well, and the line is “stronger” than in most offices in the world.

So why is the ideal ratio of 1.6 - now let's figure it out

With a 0-th margin of the bookmaker, for "game" outcomes (with a probability of 50%), the coefficient would be equal to 2.0, given that this is an event with 2 outcomes, like F1/F2, and not W1/X/W2. Taking into account the ESTIMATED margin of the bookmaker, the coefficient of such outcomes is 1.9. It is my deep conviction that after some time the real coefficient with an outcome of 50% is 1.75-1.85.

Now let's calculate, if we guess, according to the Probability Theory, 50% in the long run, let it be 50 events out of 100, at a bet of 1 unit per outcome, then we will be in the red on the same 10% margin, that is, we will remain with the bank 90 units from the initial 100, after 100 bets.

Let's sum up a little from what we read, that with coefficients of 1.75-1.85, or even higher, going to zero already indicates the success of the mailing. Yes, even though 0 is not an indicator against the background of other tipsters, but I remind you that according to the Theory of Probability, with such coefficients, there cannot be large deviations. This means that either the tipster skillfully picked up financial management games, or a tipster is waiting for a long streak. I prefer to play "stable", that is, without big drawdowns, without phenomenal "pluses", at 100500 percent. My publications are advisory in nature, for the umpteenth time I repeat this. For example, playing live, based on my recommendations for the match, where we get a return on a pre-match bet, we can have a plus, and where we get a minus on a pre-match forecast, we can play a return. typical situation, when it is profitable to play live, when the team against which we play on pre-match advice scores first. Live is more time-consuming, but the results are more effective in terms of minimizing losses. In terms of profitability, the results are about the same, because we do not always put down the bet that we conceived according to the pre-match analytics in live, because we do not see the odds that are interesting for us, while the pre-match bet comes in. Try, experiment, do not place bets you are not sure about. The purpose of my blog is to teach people how to play themselves and encourages analysis. Slightly deviated from the main topic - let's continue.

So, in order to compensate at least the margin, you need to "increase the probability of an event" by reducing the coefficient. It is known that according to the probability of bookmakers, the coefficient of 1.8 (real 1.6-1.7) is equal to 56% of the pass. But, attention, according to the Theory of Probability, such an outcome will be equal to 62.5%, which means that at a distance, without any analysis, this choice will “shoot”, 62-63 times out of 100. As a result, we get that with coefficients of 1 .8 (50% of the pass), in the long run we will go to 90%, and with a coefficient of 1.6 (62.5% of the pass), we will go to 100%, that is, to 0.

We have the opportunity to increase the results in the long run, sacrificing only the difference in the coefficient. It's like sacrificing a pawn in chess for a successful game. Yes, the result is not a big plus, namely about 10%, but this is a plus and we compensate for the margin with this. All that remains now is to correctly place bets, because we compensated for the margin by combining the real passability of bookmaker odds and invaluable knowledge of Probability Theory. It is important to note that this is an ideal combination, which means that coefficients of 1.55 or 1.65 already have their own deviations.

For those who do not understand or "a lot of bukaf" :), then in the long term with a coefficient of 1.6, we get the same as from 1.7 and not a big "tail", in the form of up to + 10%

For me, the reference coefficient was always 1.7-1.8, even with the knowledge of statistical probability and other points, but after analyzing my bets, I came to the conclusion that where I received returns, I could get a half-plus, instead of defeats - half-defeats, etc. .d., in the end, I could get a small profit from these shortcomings and, moreover, increase the percentage of passability, which many investors in sports betting love to look at. In reality, in the statistics, probably 70-80 percent of all losses were in 1 goal / game / point, etc. In general, I could get a small profit on these losses, or at least reach 0, with the same indicators, taking into account, of course, the coefficient is lower in winning tips.

I think this is clear.

What else would you like to add about Probability theories, to which many players are skeptical, allegedly due to the fact that this is not compatible with rates due to the presence of the analysis component in the rates. I explain.

The "coin" theory is inherent ONLY for events with 2 outcomes. As for the analysis component, this analysis has already been carried out by the office and has given you equivalent odds not for +/-1 goal, but for +/-2, because these are the results that are obtained taking into account statistics, nuances with squads, injured players, etc. .d.. If you calculated that it is a 50% chance of a handicap with 1 goal, then this is your forecast for the match to strive for a difference of 1 goal, then you will bet on a plus handicap of 2 goals. This is the task of any player. And the task of the tipster is still to be a plus player. Where the event REALLY does not correspond to equivalence and is a value match. Such matches are rare and they are quickly covered, and at Pinnacle it is not realistic to put them down due to the absence or quick response of the BC.

I also wanted to talk about such an interesting mathematical law, which is called - Law of Large Numbers. It was discovered back in the 17th century by the mathematician Bernoulli and it perfectly "merges" with the Theory of Probability in Betting.

The law says that the distance of heads and tails is close to 50%, while the difference between the actual number of heads and tails thrown also increases, that is, the series of heads and tails increases. To check the law, there will not be enough "manual" 10 tosses. And the "household theory" about the loss of 9 eagles and tails will definitely fall out 10 times is incorrect. The coin does not have memory, and in order for the deviation to be "not noticeable", you need to make at least 1 million tosses. It really works, if there is a programmer among the readers, you can check this by emulating tosses using a computer. Thanks to this law, the inevitable old streaks, after the anomalous ones, for of this type rates, upstreaks,

All information is based on personal experience and proven in practice!

I hope the article was useful to you and you will draw successful conclusions that will bring your bets to a new quality level.

Engage in self-development in betting! Good game!

This material is intellectual property and is prohibited for copying and distribution without the consent of the author of this article Black Sun.

Appeal of OSAGO coefficients Recently appeared single base AIR PCA, which contains the insurance history of each driver who has issued OSAGO. But even this did not stop unscrupulous insurers who sell insurance to people with a “clean” history, in which the coefficient is 1. As a rule, when this error is found, the company reports that there is no information in the database, after which they shrug. People left, but most remained, because in some regions there was simply no choice of insurance companies. If you have been insured for more than a year, and there has not been an insured event for all the time, be sure to check your coefficients. In the event that you are unlucky and you “ran into” an unscrupulous company, you should definitely file a complaint with two instances at once: the PCA and the Central Bank.

OSAGO: calculation methodology, coefficients, tariffs and payments

CBM coefficient Class at the beginning of the insurance period Coefficient Class at the end of the insurance period, taking into account the presence of insured events in previous periods insurance through the fault of the insured 0 insurance payments 1 insurance payment 2 insurance payments 3 insurance payments 4 insurance payments and more M 2.45 0 M M M M 0 2.3 1 M M M M 1 1.55 2 M M M M 2 1.4 3 1 M M M 3 1 4 1 M M M 4 0.95 5 2 1 M M 5 0.9 6 3 1 M M 6 0.85 7 4 2 M M 7 0.8 8 4 2 M M 8 0.75 9 5 2 M M 9 0.7 10 5 2 1 M 10 0.65 11 6 3 1 M 11 0.6 12 6 3 1 M 12 0.55 13 6 3 1 M 13 0.5 13 7 3 1 M The compulsory insurance contract provides for limiting the number of persons admitted to management vehicle 1 Compulsory insurance contract does not provide for limiting the number of persons allowed to drive a vehicle 1.8 4.

What are the OSAGO coefficients

Info

Consequently, after some time they can simply claim your car as their property and even go to court for this.

• Another problem that may arise is the death of a relative. In this case, the power of attorney is automatically canceled, which will lead to the fact that you cannot use the car for six months, since the entry into the inheritance lasts exactly 6 months.

In order to determine the size of the base coefficient for OSAGO in 2018 in your region, there is a valid table of territorial coefficients. The coefficient of the number of drivers for OSAGO in 2018 The number of drivers also has an impact on the cost of insurance.
This ratio is called the Open Policy Ratio (POR).

Territorial OSAGO kt coefficient

Over 120 to 150 inclusive 1.4 6 Over 150 1.6 Presence of a trailer to the vehicle cars owned by legal entities, to motorcycles and motor scooters 1.16 2 Trailers for trucks with a maximum authorized weight of 16 tons or less, semi-trailers, dismantled trailers 1.40 3 Trailers for trucks with a maximum authorized weight of more than 16 tons, semi-trailers, trailers -dissolutions 1.25 4 Trailers for tractors, self-propelled road-building and other machines, with the exception of vehicles that do not have wheeled propellers 1.24 5 Trailers for other types (categories) and purpose of vehicles 1 Period of use For the cost of the OSAGO policy in significantly affects the period of use of the vehicle.

Table of OSAGO territory coefficients

KPI coefficient for a vehicle with a trailer No. Trailer, depending on the type and purpose of the vehicle , semi-trailers, dismantled trailers 1.40 3 Trailers for trucks with a maximum authorized mass of more than 16 tons, semi-trailers, dismantled trailers 1.25 3 Trailers for tractors, self-propelled road-building and other machines, except for vehicles that do not have wheel propellers 1.24 4 Trailers for other types (categories) and purpose of vehicles 1 7.

OSAGO coefficients

Start class annual term insurance coefficient Class at the end of the annual insurance period, taking into account the presence of insured events that occurred during the period of validity of previous compulsory insurance contracts 0 insurance indemnities 1 insurance indemnity 2 insurance indemnities 3 insurance indemnities More than 3 insurance indemnities 1 M 2.45 0 M M M M 2 0 2.3 1 M M M M 3 1 1.55 2 M M M M 4 2 1.4 3 1 M M M 5 3 1 4 1 M M M 6 4 0.95 5 2 1 M M 7 5 0, 9 6 3 1 M M 8 6 0.85 7 4 2 M M 9 7 0.8 8 4 2 M M 10 8 0.75 9 5 2 M M 11 9 0.7 10 5 2 1 M 12 10 0, 65 11 6 3 1 M 13 11 0.6 12 6 3 1 M 14 12 0.55 13 6 3 1 M 15 13 0.5 13 7 3 1 M insurance company and there is no information about payments, the calculation starts from the third class (i.e. the coefficient is 1).

OSAGO insurance rates

The legislation establishes eight types of coefficients depending on the territory of use, the presence or absence of insurance payments in previous periods, restrictions on the number of drivers, etc. Coefficients for the territory of use of the vehicle for 2016-2017 This coefficient is determined based on the place of residence of the owner of the vehicle specified in the vehicle passport or vehicle registration certificate or in the citizen's passport, for legal entities, their branches or representative offices - at the location legal entity, its branch or representative office specified in founding document legal entity.

Territorial coefficients Accident-free coefficient The cost of the policy is also affected by the presence or absence of insurance payments made by insurers in previous periods.

The new procedure for calculating the cost of an OSAGO policy in 2018-2017

Engine power ( Horse power) Coefficient Up to 50 inclusive 0.6 Over 50 to 70 inclusive 1 Over 70 to 100 inclusive 1.1 Over 100 to 120 inclusive 1.2 Over 120 to 150 inclusive 1.4 Over 150 1.6 In order to determine the power of vehicles , data are taken from the PTS or STS. If information in these documents is contained in kilowatts, then recalculation is made in the ratio 1kW = 1.35962 hp.

Note to Part 5 of Bank of Russia Ordinance No. 3384-U dated September 19, 2014: When determining the engine power of a vehicle, the data of the vehicle passport or vehicle registration certificate are used. If the indicated documents do not contain data on the engine power of the vehicle, the relevant information from the catalogs of manufacturers and other official sources is used.

Tariffs and coefficients of the CTP policy

• Order No. 252 dated May 12, 2017.
• order No. 440 dated 08/30/2017;

Coefficients of insurance tariffs 1. Coefficient of the territory of predominant use of a vehicle (CT) Territory of predominant use of a vehicle Coefficient for vehicles, except for tractors, self-propelled road-building and other machines Coefficient for tractors, self-propelled road-building and other machines, except for vehicles, not having wheel propellers Moscow 2 1.2 Moscow region 1.7 1 St. Petersburg 1.8 1 Leningrad region 1.3 0.8 Yekaterinburg 1.8 1 Ufa 1.8 1 Yakutsk 1.2 0.7 Krasnodar, Novorossiysk 1 .8 1 Perm 2 1.2 Vladimir 1.6 1 Full list of cities and settlements presented in orders approved by AlfaStrakhovanie JSC: Order No. 118 dated 04/10/2015, Order No. 207 dated 06/10/2015, Order No. 245 dated 07/15/2016, Order No. 355 dated 09/30/2016, Order No. 252 dated 05/12/2017 . 2.

Attention

Coefficient by city according to OSAGO Coefficient by city (territory coefficient) depends only on where the owner of the vehicle (Vehicle) for which OSAGO is issued is registered. According to the table of coefficients of the territory (CT) of OSAGO in 2018, it also happens that two cities are next to each other, but the size of the coefficient differs significantly.

In order to somehow save money, there is one way, but it may not suit everyone. The point is to register the car not for yourself, but for the next of kin or close friends who live in the territory with a lower coefficient.

But there are always flaws that can ruin your idea. So:

• Relatives or friends, even if you trust them, begin to show their impudence when it comes to expensive property.

CTP rates coefficient 1 8 table

Important

In the case of accident-free driving within 1 year, the next year the coefficient will be 0.95, and in the event of an accident - 1.55, and in case of two accidents during the year - 2.45. A coefficient depending on the number of persons allowed to drive a vehicle.