Do self-employed people have work and pension experience?
Posted: Mon Jan 06, 2025 3:30 am
Columns
Elena Kulakova
Elena Kulakova
Expert of online accounting "Kontur.Elba"
For some specialists, self-employment is more profitable than official work, because income is not reduced by personal income tax and insurance contributions. But will the self-employed person then receive a pension? Elena Kulakova, an expert at the online accounting service Kontur.Elba, answers questions from entrepreneurs.
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Content
Types of pensions
Does the self-employed person qualify for a pension?
How are seniority and points calculated?
Do self-employed people pay into the pension fund?
How to get work experience as a self-employed person
How much do self-employed people need to bangladesh phone number lead be paid to ensure their work experience counts?
Types of pensions
In Russia there are two types of pensions: social and insurance.
Social pensions are received by citizens who did not work at all. Or worked, but unofficially. For example, they received their salary in an "envelope", and their employers did not contribute anything to the budget for the formation of the pension.
The social pension is barely enough to cover basic needs. In 2024, it will be 7,689.83 rubles. In 2025, men will receive a social pension from age 68, and women from age 63. This is five years later than the retirement age.
Those who worked officially receive an insurance pension. But a couple of years is not enough to receive it. You need to accumulate a minimum length of service and the required number of pension points to receive an insurance pension. Its size is calculated individually for each person.
The insurance pension is formed from contributions that employers pay for their employees. Individual entrepreneurs who annually transfer a fixed contribution for themselves can also apply for it.
Освойте профессию Аналитик данных с нуля за 6 месяцев
Онлайн-курс «Аналитик данных»: 277 уроков, 32 практических кейса и финальный проект.
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eduson.academy
We answer questions about the anti-money laundering law and advise you on what to do if you encounter restrictions in the course “The most important things about 115-FZ” .
Elena Kulakova
Elena Kulakova
Expert of online accounting "Kontur.Elba"
For some specialists, self-employment is more profitable than official work, because income is not reduced by personal income tax and insurance contributions. But will the self-employed person then receive a pension? Elena Kulakova, an expert at the online accounting service Kontur.Elba, answers questions from entrepreneurs.
Subscribe to RB.RU in Telegram
Content
Types of pensions
Does the self-employed person qualify for a pension?
How are seniority and points calculated?
Do self-employed people pay into the pension fund?
How to get work experience as a self-employed person
How much do self-employed people need to bangladesh phone number lead be paid to ensure their work experience counts?
Types of pensions
In Russia there are two types of pensions: social and insurance.
Social pensions are received by citizens who did not work at all. Or worked, but unofficially. For example, they received their salary in an "envelope", and their employers did not contribute anything to the budget for the formation of the pension.
The social pension is barely enough to cover basic needs. In 2024, it will be 7,689.83 rubles. In 2025, men will receive a social pension from age 68, and women from age 63. This is five years later than the retirement age.
Those who worked officially receive an insurance pension. But a couple of years is not enough to receive it. You need to accumulate a minimum length of service and the required number of pension points to receive an insurance pension. Its size is calculated individually for each person.
The insurance pension is formed from contributions that employers pay for their employees. Individual entrepreneurs who annually transfer a fixed contribution for themselves can also apply for it.
Освойте профессию Аналитик данных с нуля за 6 месяцев
Онлайн-курс «Аналитик данных»: 277 уроков, 32 практических кейса и финальный проект.
Ad
•
16+
eduson.academy
We answer questions about the anti-money laundering law and advise you on what to do if you encounter restrictions in the course “The most important things about 115-FZ” .