Pension points, how they are awarded and calculated

Not all banks can be proud of their own loyalty programs. Sberbank has it, and has been working for several years. It all started with bank clients receiving cashback for purchases in the form of bonus units. You can spend them on partial or full compensation for purchases from bank partners. Not long ago the opportunity arose to cash out THANK YOU. We’ll tell you how to convert bonuses into rubles at Sberbank, what the level in the loyalty program should be for this, and how to achieve it.

What are pension points and how are they calculated?

Everyone knows that a pension consists of two parts: insurance and funded. Pension points that determine length of service, including official salary. The size and right to insurance pension payments depend on them.

Pension points are paid for each working year. The more points accumulated before entering pension registration, the more the state will pay the pensioner. And also the size of the pension depends on the size of the salary, because the employer pays for the employee to the Pension Fund of the Russian Federation.

How to spend Megafon bonuses

There are several ways to exchange bonuses for money or services.

Subscriber's personal account

You can use the service both on the official Megafon website and by downloading the program to your phone or tablet from the application store. After authorization in the Personal Account, the subscriber must go to the “Services” section. Information is posted there:

• on accumulated remuneration;
• according to spent;
• account balance;
• validity;
• catalog of services for exchange.

To exchange for money, select the “Discount on account” item.
Using USSD commands

For the Megafon - Bonus project, the command is *115#. After typing it, a menu will appear on the mobile screen, following the prompts of which you can get information on the balance and exchange points. Points accumulated on your Megafon account can be exchanged for the following types of services:

• money that will be credited to your phone balance;
• additional Internet traffic;
• packages of minutes and SMS;
• minutes of communication in roaming;
• Aeroflot program members with a valid card can exchange their Megafon discount for miles.

It is impossible to exchange electronic bonuses for real money!

Through a call to the operator

You can call the operator and make an exchange using one of two numbers 8-800-550-05-00 or 0500. Following the system prompts, the subscriber can independently activate the services, or wait for a connection with the operator.

The cost of 1 pension point in the table for 2021

The pension score is constantly changing. This value and fixed payments are indexed annually. Therefore there is no single value to calculate. You can track changes in points since 2015 and the cost of a pension point in rubles in 2021, which will be active from January 1, in the following table:

To calculate your pension yourself, you need to understand how to convert points into rubles. There are calculations here that the calculator calculates points for, or you can calculate it yourself.

How to convert points to rubles

To convert points into rubles, you just need to perform one simple step. You need to multiply the points by the cost of one. This will give you the amount of insurance pension payments. To understand the formula, let's use an example.

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The teacher earned 20 thousand rubles a month. Over the entire period of work, he accumulated 110 points . It is impossible to calculate the size of the pension in advance, because the price of one point changes annually. Suppose that in our example the man will retire in 2021, the cost of 1 pension point this year was 87 rubles 24 kopecks. So you need to calculate: 110 x 87.24 = 9,596.4 rubles .
If we add fixed old-age payments to this, we get 14,930.59 rubles.

Features of receiving Megafon points

As mentioned above, every subscriber of the Megafon operator can become a participant in the promotion. The only condition is that the client is not a legal entity.

Other features worth noting:

1. Subscribers using tariff plans included in the Internet line will not be able to join the project. For example, “Megafon online” or “Internet without worries”.
2. Bonuses are awarded for money spent on communication services.
3. Remuneration is not awarded:
   for calls in roaming;
4. information and entertainment services;
5. behind .
6. Remuneration is calculated and credited to the account once a month. At the same time, the expenses of the previous month are counted.
7. In the Megafon store you can purchase goods included in the program. For their payment, points are awarded to the buyer's number.
8. The current rate is 1 bonus equals 30 rubles spent.
9. In order for points to be credited to the account, the client must join the project and agree to its terms.
10. The discount is stored on the account for one year. If during this period they are not spent, they are destroyed.

The subscriber can exchange points on Megafon for money either for himself or as a gift to another person. But it is important to consider that in some cases the discount expires, without the possibility of its restoration. This happens if the client changes the tariff plan to another one that cannot participate in the program, or the service agreement with the Megafon operator is terminated.

For all questions about how to exchange a premium on Megafon, or how the accrual occurs, you can contact a contact center specialist at 8 800 5500500 or 0500 (calls within Russia are free).

Maximum number of pension points in 2021

The more points you earn, the greater the pension the state will pay. To calculate the number of points you can use the formula:

IPK = (IPKs + IPKn) x KvSP

Where:

• IPC is an individual pension coefficient, that is, how many points a pensioner has, starting from the date of receipt of the insurance portion of payments.
• IPKs – the number of points calculated from January 1, 2015.
• IPKn – points that are accrued starting from January 1, 2015 from the time when the pensioner began receiving insurance pension payments.
• KvSP is an increasing coefficient when the insurance pension increases, for example, upon the death of the breadwinner.

Other notes

When you send the code to your cell phone, you will receive as much money as indicated in the SMS text. The funds received can be used to pay for operator services. They do not include the price of additional paid content services. You cannot spend Megafon bonuses on cash. You also cannot use them in payments and all kinds of transactions. Their validity period may vary depending on the terms of the promotion.

Rubles can be used to purchase a money substitute in Odnoklassniki. In the future, they can be used for all kinds of games, programs, postcards, etc. You can also easily spend the rubles you received to get other online products.

• Attention
• It is prohibited to top up the account of other operators with the money received from bonuses.

You can withdraw and exchange points for Megafon money for no more than 150 rubles (for the capital and region). If an individual is not registered in the capital, then more or less points may be required to achieve a particular amount.

The bonus program can only be used by individuals. Corporate clients do not have the right to use gift services and exchange gift points. Once the user redeems his gift points, he will be able to spend them for a whole month. Then they will be blocked. You cannot activate Megafon bonus points for money of the same value in one month. Despite the presence of two accounts, the money will be deleted without the possibility of recovery.

Knowing how to exchange points for Megafon money, you can have a small increase in your account. The bonus program from Megafon allows you to accumulate points and change them profitably. They go to your mobile account, from which they can be used to pay for mobile services. Unfortunately, no one will be able to cash them directly. Bonuses have a certain expiration date, so it is better to hurry to use them.

What determines the size of the pension?

When formulating pension payments, the following factors are taken into account:

1. work experience;
2. valorization amount;
3. estimated pension capital;
4. the amount of insurance contribution by the employer.

You can add points to the amount of work experience that depend on this value. By law, the pension amount is calculated by multiplying the number of points by the price of one and adding other values ​​(increasing factor, fixed payments).

Until 2015, the size of the pension was calculated as follows: the insurance part was divided by the cost of the point.

How many points do you need to retire?

To receive pension insurance payments, you must meet one more rule. Legislation for 2021 established a requirement for a minimum insurance period of 12 years .

There are also requirements for points - the minimum number is 18,6.

How to find out the number of accumulated bonuses

There are two ways to check how many points have been awarded or remain after exchanging them for Megafon money:

1. In the subscriber's personal account.
2. In the Megafon mobile application. Personal Area".

To obtain information on the site you must:

Go to the login page for your Personal Account using the link https://lk.megafon.ru/login/. Log in to the system. Go to the “Services” section and select “Package balances class=”aligncenter” width=”698″ height=”143″[/img]

In the mobile application, the check is carried out in a similar way, from the “Tariff, options, services” item.

Participation in the program may be suspended if the subscriber has not exchanged bonus points for rubles within 12 months or has not activated other options at their expense. In this case, he can restore the service in the same section. But you should keep in mind that previously accumulated rewards will expire.

Accrual of pension points for individual entrepreneurs

An individual entrepreneur pays insurance to the Pension Fund, so he can also receive a labor pension. To obtain it you must meet the following requirements:

1. Reach retirement age. As of 2019, the retirement age for men is 60.5 years, and for women 55.5. But every year it increases, in 2028 it will be fixed at 60 years for women and 65 years for men.
2. Insurance experience . This value refers to the period of insurance payments to the Pension Fund. Individual entrepreneurs pay it themselves, while their employer pays for ordinary workers. In 2021, the insurance period must be at least 12. But it increases every year, and in 2024 it will be 15 years.
3. Minimum number of points. In 2021, this figure is 18.6 points. In 2025 it will increase to 30 points.

Nuances and limitations

Despite the fact that the money received as a result of exchanging points is credited to the account, not only can it not be withdrawn, it cannot be used to pay for additional services, the cost of services of third-party providers, etc. It is also impossible to use them for mobile transfers.

You can exchange accumulated points only for the amount of funds indicated in the scale, which does not exceed 150 rubles.

The bonus program of the Megafon operator can only be used by individuals; therefore, legal entities cannot accumulate bonuses and exchange them for money. Funds that were returned to the account in exchange for points are valid for 30 days, after which they expire.

It is not recommended to exchange two packages of points of the same value within one calendar month. In this case, the period of possibility of using the funds of each exchange begins to be calculated from the moment of the first exchange. After 30 days, the funds received as a result of the first and second exchange will be burned.

Cellular companies offer programs of various bonuses, benefits and discounts to attract additional customers against the backdrop of quite tough competition. Megafon is one of the first mobile operators to offer its subscribers favorable conditions for the provision of communication services.

For example, the Megafon-Bonus program allows you to accumulate points for calls made, and these points can later be exchanged for rubles, replenishing your balance.

Any client of the company can automatically become a participant in such a promotion after activating the SIM card. If the subscriber connected to the Megafon network long before the bonus program appeared, you can become a member by sending the code 5010 to the number 5010. Or using the USSD command *115#. From this moment on, points for calls will accumulate on the subscriber's account.

What should be the coefficient for calculating a pension?

You have already learned that the minimum IPC for calculating a pension must be at least 18.6 points in 2021. In the following table you can track the change in this criterion since 2015 and find out how it will increase:

Which IPC is the highest?

The maximum number of pension points in 2021 , as we have already discussed, is 10 per year. You can also consider the following scheme for changing this value since 2015, which comply with Russian legislation when forming the insurance part:

The amount of the IPC depends on the investments that the citizen or his employer regularly deducted from wages to the fund. The IPC coefficient increases depending on work experience. For example, if a person wants to retire after 5 years of eligibility, he will increase his IPC by 1.45 times.

How to reach the THANKS level to exchange bonuses for rubles

Several levels of Sberbank's loyalty program are not so strict as to be limited to a gradual transition from one to another. You can immediately move from the first to the fourth, and gain the right to exchange bonus units for rubles. What you need to move to the highest level:

• Maintain a monthly ratio of card purchases to cash withdrawals of 85% or higher.
• Purchases with cards per month must be worth at least 5,000 rubles.
• Do not make payments by cards in terminals and other stationary devices.
• Issue a credit card once a quarter, or open/replenish a deposit in Sberbank.
• You must have at least 10,000 rubles on your debit card every day.
• Make at least one payment through the Sberbank application, or a purchase on one of the services of the THANK YOU loyalty program.

Features of calculating pensions in 2024

Every year the legislation puts forward new requirements and rules. Pension laws are changing completely. Even the formula for calculating points, as mentioned above, has completely changed. In 2014, in order to receive the insurance portion upon retirement, you must have at least 15 years of work experience.

To understand the speed of change, we suggest that you familiarize yourself with the data in the table, which shows the year of the pension reform and the length of service in years:

This table was taken from the website of the Pension Fund of the Russian Federation; on it you can see that every year from January 1, the work experience requirements increase by 1 year.

As of 2024, the minimum IPC for retirement should be 28.2, and the maximum 10 points per year. Men born in 1966 will be able to retire in 2024 at the age of 58 , and women born in 1971 at the age of 53 .

Ways to exchange Megafon bonus points for money

Points awarded for using communication services are stored in a separate bonus account. They are calculated automatically. For every 30 rubles spent, the subscriber receives 1 point. Thus, having accumulated 35, he can transfer them to his balance. But it should be taken into account that when exchanging a discount for money, it will not be possible to do this in proportions of 1 to 1. For example, to get 10 rubles into your phone account, you will need to pay 35 bonuses.

Important! Transfer data is based on prices in Moscow and the region; in other regions, the ratio may vary slightly.

Prices for conversion to cash equivalent:

Bonus money must be spent within one month, otherwise it will expire.

Exchange methods:

1. Activation via message to Megafon.
2. Using USSD combination.
3. In your Personal Account on the operator’s website.
4. In the mobile application.

If a subscriber wants to exchange a discount for money and deposit it into the account of another subscriber, he needs to send a message to number 5010. The SMS text indicates the format command: xxx 1234567890, where xxx is the amount of money that should be credited (if the number is two-digit, for example, 10, 0 – 010 is added at the beginning), and 1234567890 is the number of the subscriber whose balance will be replenished.

FAQ

The pension system is so unpredictable and very complex, so you have to rack your brain to search the entire Internet and find the answer. If you have any question, you do not have to re-read the entire article, but only those subheadings that interest you. They contain the answer to the question that is in the title of the subtitle. Below are some of the most common questions and their answers.

What are E-points from the Pension Fund?

Recently, there have been rumors circulating online about so-called E-points that will replace real money in retirement. Some say this is a new government bill that was presented at a recent presentation. In any case, this information was not published on the website of the Russian Pension Fund, which refutes the rumors.

More details in a separate article: what are E-points from the Pension Fund.

Most users on the network were not happy about this information and began to spread rumors. Therefore, such information is, in fact, not true. Although innovations have been introduced recently, such a system may be invented in the future.

What to do if you don’t have enough pension points to retire?

If a citizen does not have enough pension points to retire, he can buy more. You need to conclude an agreement with the Pension Fund of the Russian Federation and transfer money according to the agreement. You can purchase additional insurance experience at any time. You will need this feature:

• pensioners working abroad;
• self-employed, individual entrepreneur;
• temporarily residing in Russia;

The service may also be needed by an ordinary person who lives in Russia. For example, to save for old age or to pay for a friend if the employer does not pay for him.

Is it possible to buy pension points?

As we saw above, there is such a possibility. To calculate the cost of 1 working year for work experience, you need to use the following new formula: minimum wage × 22% × 12. The minimum wage in 2021 is 11,280 rubles. If you do the math, one year will cost 70,390 rubles. In Russia, the average pension is 13 thousand, that is, a purchased year of experience will pay for itself in six months of receiving a pension.

Previously, the following formula was used : minimum wage × 2 × 26% × 12 . When calculating, the amount obtained was twice as large as that established by the cost of work experience now.

Child care points

During the period when a parent is caring for a small child, pension points are also accrued. For caring for a child under one and a half years old, 1.8 points are awarded, for the second child - 3.6, for the third and fourth - 5.4. The total time of care should not be more than 6 years.

Peculiarities of accrual of pension points during the Soviet period

The period of military service in Soviet times is divided into several groups:

• before 1991 (Soviet);
• from 1991 to 2001 (post-Soviet);
• from 2002 to 2014 (before the introduction of the point system);
• from 2015 to today (the period after the introduction of the points program).

Citizens who have served in the military can receive 1.8 points.

Important! To receive points for these periods, you must provide evidence. Unfortunately, many papers become unusable, so you need to use a work book. If the period of military service is not indicated there, it will not be possible to restore the data.

How much is 30 points for a pension?

To convert points into rubles we will use the formula mentioned above. You need to take data from the table of the cost of a point in 2021 - 98.86. Now you can calculate: 30 x 98.86 = cost of 30 points in rubles .

Number of points per year of experience and accumulation of points

To calculate the number of points for calculating a pension, you need to add the points with the calculation coefficient for 2015 and after 2015, and multiply the resulting value by the increasing value. Keep in mind that the maximum retirement points in 2021 is 98.86.

In accordance with Federal Law of the Russian Federation No. 400-FZ, in 2021 this value will increase to 10.

Points can be accumulated, then they will be multiplied by the pension coefficient, expressed in rubles. The longer you work, the more savings you will get. The number of points can also be found out at the Pension Fund of the Russian Federation branch or on the State Services portal.

If you meet the requirements to pay the insurance portion, you may be entitled to fixed payments that will further increase your pension.

How to activate the bonus program on Megafon

Only individuals can participate in the Megafon - bonus program. Joining the program is free. Activation methods:

1. Write an SMS message to number 5010. The text of the message must contain numbers corresponding to the dialed number. (There is no additional charge for sending a message.)
2. Via short USSD command *115#. The connection is confirmed by the number 5.
3. In your Personal Account on the operator’s website or in the Megafon mobile application. Personal Area".

After completing the operation, an SMS notification will be sent to the subscriber’s number with information about joining the loyalty program. You can disable the service in similar ways.

Main partners Thank you

The maximum amount of cashback under the Thank You program from Sberbank can be obtained when making purchases in stores and other partner facilities. The main ones should be considered in more detail:

1. Yandex Market. This is convenient because you can find millions of different products there. At the same time, you can pay for your purchase with 99% points. Thank you;
2. Ozone. This online store presents over 5 million products. When making purchases in a specified online store, points can be used to pay for half of the purchase, but not more than this level;
3. The partners of the program are such well-known sellers of household appliances and electronic goods as M.Video and Technopark. You can pay with points up to 50% of the purchase price.
4. It is possible to purchase books on liters websites, where you can pay in full for the purchase with Thank You points and on Book24, where you can pay half of the price of the product with points.

The table below shows the Top 15 partners with the maximum percentage for accumulating points, i.e. partners for purchases from whom you can receive maximum cashback bonuses “Thank you” to your card.

In total, dozens of stores of various subjects participate in the program. Therefore, using Thank You points you can make absolutely any purchase.