In Russia not so long ago the pension reform thundered. The retirement age has increased for both men and women. Changes in legislation made a lot of noise in society and the Russian media space. In this regard, it is necessary to consider the main features of pension systems in neighboring countries. This article will talk in detail about pensions in Uzbekistan.
Calculation
Uzbekistan is officially considered a socially oriented state. As in any other civilized country, the Uzbek state provides for an individual approach to pension payments. In recent years, the authorities have made several adjustments to the indicators of the pension industry at once. Moreover, all innovations can be called socially oriented. In fact, they were carried out in the interests of their own citizens.
As of 2019, men who have reached the age of 60 have the opportunity to receive a pension in the Republic of Uzbekistan. For a woman, this age is slightly less -55 years. The presence of work experience here is a rather important factor. The minimum work experience for men is 25 years. Pensions for women working in Uzbekistan are paid only if they have 20 years of service.
Calculation of pension
Formation of a pension in Uzbekistan takes place in several difficult stages. Work experience plays a key role here. In fact, on its basis, the calculation of savings takes place. Initially, this includes any type of activity in which an Uzbek citizen is able to officially acquire state social insurance. At the same time, the type of work itself does not matter.
Quite an important point: compliance with the conditions of payments is checked by specialists in the state pension fund. If any violations are found on the issue of calculating pension payments, the accruals will be terminated. They will resume only by the time the state services complete their investigation.
What counts as seniority?
Pensions in Uzbekistan are formed on the basis of various occupations and activities carried out by citizens. Here is a complete list of them:
- Service in the military sphere. This also includes paramilitary security activities.
- Time periods during which care was provided for a person with a disability, an elderly citizen or a person who requires special care.
- Education in higher education institutions as the mostRepublic and beyond. However, only full-time education is meant here.
So, the work experience is determined. For the further formation of a pension in Uzbekistan, it is required to determine the profit for calculation. This takes into account the level of wages, as well as the amount of pension income today.
The next step is to form a personal coefficient. You can choose any 6 months in the last 10 years. At the same time, the social service calculates the coefficient for the specified time period.
The final step for calculating pensions in Uzbekistan is the collection of documents. Employees of the state pension fund are preparing all the required papers. If a document is missing, employees can take steps to urgently request it. Persons interested in the speedy transfer of documents for calculating a pension are representatives of the Pension Fund. At the same time, the applicant himself is among the interested parties.
Apply for a pension
It is important to understand: the sooner a citizen applies to the state pension fund, the sooner the procedure for calculating all available payments will be launched. Otherwise, the period during which the potential recipient of the pension delayed the application may adversely affect the determination of the final amount.
To purchase payments that are due upon reaching the age established by the Law, it is required to send an application to the FIU at the place of residence. Moreover, this must be done no later than 3 months later. Officially, the starting point is the day when the citizen submitted an application and provided all the necessary documentation.
Minimum and average pension in Uzbekistan
The latest adjustments to the Uzbek pension legislation were made in autumn 2016. Moreover, they were introduced directly by the head of state, that is, the President of the Republic of Uzbekistan. According to the adopted amendments, the minimum civil pension in Uzbekistan, which is calculated by age, is 292,940 soums. Compared to 2015, this figure increased by 15%. What is the pension in Uzbekistan, if converted into Russian currency? The above number equals 2,354 Russian rubles.
The average pension in Uzbekistan is 352,152 Uzbek sums. Local experts in the field of economics and finance note that most often the level of accruals is influenced by the place of residence and work of a citizen. For example, a person who has worked all his life in an industrial area far from the center of the region is unlikely to be able to count on a high passive income in old age. The industrial spheres of Uzbekistan are generally poorly developed. It is unlikely that anyone will be able to provide themselves with a highly paid job here. Moreover, the inability to earn high profits is at the heart of the calculation of wages for calculation, the indicators of which will simply be minimal.
Cumulative pension
Eligible to receive benefits that wereformed in a cumulative way, all citizens of the Republic of Uzbekistan have. The state here acts as a kind of guarantor that all the finances that a person has managed to accumulate over the period of labor activity on his individual account will soon be saved and paid out.
The law provides for two categories of citizens who are eligible to receive funded pensions in Uzbekistan. These are persons who participate in the funded system on a voluntary basis, as well as persons who must engage in similar activities on a mandatory basis.
Procedure for applying for a funded pension
Either the citizen himself or his official employer sends an appeal to the branch of the People's Republican Bank. After confirmation of registration for a person, a personal account will be opened. It sticks with him for life. Funding can come from different sources. So, here it should be highlighted:
- voluntary contributions;
- interest accrued on existing funds;
- compulsory monthly contributions;
- other sources of income that are provided for by domestic law.
Control of funds on personal accounts of the People's Bank is carried out through such state institutions as the Central Bank and the Ministry of Finance.
Online pension portal
Here we should point out a rather important point. A single portal was launched in Uzbekistan, which allows you to immediately implementseveral functions online. A citizen is able to track receipts on his own personal account.
This service is absolutely free and available around the clock. When connecting it, you should register passport data and TIN. You must also have an electronic digital signature key. If you find problems using the service, you should contact the branch of the Pension Fund that services a particular area.
Pension supplements
Supplements to basic income are provided only in a number of special situations. The following groups of people should be distinguished here:
- disabled people of the 1st group, or 2nd group, but only if there is no one to look after them;
- military invalids of 1 or 2 groups;
- direct participants and veterans of military events;
- persons who are close relatives of a serviceman who died in the line of government assignment;
- persons who have serious services to the Republic of Uzbekistan;
- artistic staff and artists (subject to additional Uzbek legislation).
The maximum allowance is also provided for disabled war veterans of the 1st group. In Uzbekistan, it is 150% of the minimum wage.
If a person works in a state organization, and at the same time he retains the right to receive one or several allowances at once, then the citizen's employer will be responsible for the payment. If a person does not work at all, thenresponsibility for regular payments lies with the pension fund of the Republic of Uzbekistan.
Transferring a pension to Russia
In the countries of the former Soviet Union, the practice of providing assistance, both state and public, is widespread. Thus, Uzbekistan is a member of the Treaty on the Guarantee of Civil Rights of the CIS Countries on the Issues of Material Security for Pensioners. This, in turn, makes it possible to freely receive pension payments issued in an Asian country when moving to Russia.
After moving to the Russian Federation, citizens of Uzbekistan draw up all the necessary documentation and receive citizenship of the country. Most often, it is in a simplified form, but this does not affect the receipt of retirement income. The main thing for the purpose of payments is deregistration at the previous place of residence, and confirmed in documentary form.
It turns out that in order to transfer payments, you need to cancel the pension in Uzbekistan. How long will it take? It all depends on how seriously the person takes the matter. In order for the issue to be resolved faster, it is required to send an application to the FIU, in which a request should be written to stop any kind of payments. After that, the person will receive a special certificate. With it, you need to contact the state notary office for the official translation of the received documentation into Russian.
Payout increase
For a long time, there have been rumors among the citizens of the Republic that the long-awaited increase in pensions will soon take place. ATIn Uzbekistan, the situation is indeed improving. Especially if we consider it against the background of the fact that a few years ago this country was considered the poorest in the territory of the former CIS. For example, among the citizens of Russia there was a serious question about whether there is a pension in Uzbekistan at all.
Today the situation is much better. Experts also predict pleasant changes in the economic sphere. The President of the Republic, Shavkat Mirziyoyev, has established himself as a reformer and manager with an emphasis on sociality. The banking system is flourishing in the Republic, credit cards are being introduced, and the institution of private property is being developed. All this cannot but affect the development of the pension system. Already now the inhabitants of the Republic are able to make contributions and invest in their own future. The more reasonable the people of Uzbekistan behave, the happier their future will be. One way or another, but the prospect of developing the pension system and increasing payments has been outlined for a long time, and so far this process has not subsided.
