The Russians were explained a way to increase the insurance part of their pensions

The formula for calculating the old-age insurance pension is the same for all subjects of the Russian Federation. In 2026, the cost of one pension coefficient (point) is 156.76 rubles, and the size of the fixed base payment is set at 9584.69 rubles. State Duma deputy Sergei Gavrilov said this in an interview with RT.

According to the parliamentarian, differences in the size of monthly payments between regions are due to the level of official earnings of citizens, the length of their work experience, as well as the use of special increasing coefficients. In particular, when living in the Far North, the fixed part of the pension increases due to the regional coefficient. When moving to another region, a citizen retains a bonus for the completed northern experience. However, with the simultaneous right to both types of increase, the pensioner is assigned only one, the most profitable option.

The final amount of income is also affected by the social supplement. For non-working pensioners, it guarantees that the total amount of pension and other payments will not be lower than the subsistence level established in a particular region of residence, which explains the variability in the minimum levels of state support.

The deputy noted that the size of the future pension can be increased by receiving a higher official salary and continuing to work. Each year you can earn up to ten pension points through insurance premiums. However, the legislation does not establish a maximum maximum amount of insurance pension for residents of any region. Self-employed citizens who apply professional income tax also have the opportunity to build up work experience and points by making voluntary contributions to the pension system.

Another effective method is to delay applying for a pension after the right to it arises. In this case, increasing coefficients are applied, which increase both the point and fixed parts of the payment. However, Gavrilov warned that when receiving other types of pensions, there are certain restrictions on the use of these coefficients. Citizens should calculate in advance the economic feasibility of such a step, comparing the future increase with the amount of unpaid funds during the waiting period.

As a first step, the expert recommends ordering an extract from an individual personal account on the State Services portal to check accumulated points and length of service. He also recalled that periods of conscript military service and child care for up to one and a half years are taken into account in the form of pension points, provided that there is official work before or after these periods.

If child care coincides with work activity, the most beneficial payment option for the citizen is selected. Missed periods must be confirmed with the Social Fund of Russia, and identified errors in the employer’s data should be corrected with his direct participation so that all earned pension rights are included in the final calculation.