Work experience required for retirement

What the law says about this

The assignment of insurance pensions is regulated by Federal Law No. 400-FZ dated December 28, 2013. According to it, in order to receive at least minimum old-age insurance benefits, it is not enough to reside in Russia and work here. The following conditions must also be met:

• holding Russian citizenship and having an insurance certificate;
• reaching retirement age;
• at least 15 years of insurance record;
• an individual pension coefficient of at least 30.

Retirement age in 2024

The high-profile pension reform took place in 2019. Prior to it, the retirement age was 55 for women and 60 for men. Now, you can retire at 60 and 65, respectively. However, this reform has certain caveats: this retirement age does not apply to all citizens, as some categories retained the right to early retirement.

Table — Minimum record by year

Retirement date	Mandatory minimum employment record
2021	12
2022	13
2023	14
2024	15
2025	15

Workers in hazardous and difficult working conditions

As mentioned above, the pension reform did not affect everyone — the right to early retirement is still granted to workers employed in industries with difficult and hazardous conditions:

• in underground operations;
• in hot shops;
• in locomotive crews;
• in the metro;
• in transportation at mines;
• in the textile industry;
• in field, prospecting, and geophysical expeditions;
• in civil aviation;
• in the marine and river fleet;
• in the fishing industry;
• in mine construction;
• in coal mining;
• in the penal enforcement system;
• in regular passenger transport operations;
• in rescue services;
• in education and medicine.

The retirement age for each of these categories varies depending on gender, age, and employment record. The full list of conditions for maintaining the right to early retirement can be found in Chapter 6 of Federal Law No. 400-FZ.

Mothers of many children

Before the pension reform came into effect, mothers of many children had the right to early retirement upon reaching the age of 50, provided they had given birth to and raised at least five children.

Currently, the early retirement conditions for mothers with many children are as follows:

• upon the birth of three children, the retirement age is reduced by three years;
• upon the birth of four children, by four years;
• upon the birth of five children, a mother can retire at the age of 50.

Note.

For early retirement, the insurance work record must be at least 15 years.

Workers with a long pension record

Another basis for early retirement is a long pension record. Thus, people who have worked a sufficient number of years will be able to retire two years earlier than others:

• for women, this record is 37 years;
• for men, 42 years.

Residents of the Far North

Residents of the Far North will be able to retire five years earlier than others. That is, while the retirement age for the vast majority of people is 60 for women and 65 for men, for them it will be 55 and 60, respectively.

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What to do if you lack the minimum insurance record

If an employee does not have enough years of insurance record at the time of reaching retirement age, pension payments will not be assigned. In this case, there are three options:

• wait for the social pension to be accrued (women receive it at 65, men at 70);
• continue working to build up the insurance record;
• “buy” the missing record.

Note.

You can buy no more than half of the insurance record required for a retirement pension.

Example 1

Ivanov Ivan was born in 1959. To retire at 60.5 years, his insurance record must be 10 years. Currently, it is 9 years. Ivan can continue working or pay an insurance contribution of RUB 29,779.20 and start receiving a retirement pension at 60.5 years, as he planned.

Example 2

Stepanov Maxim, born in 1970, worked informally all his life, so he did not build up an insurance record. To receive a retirement pension, he must accumulate 15 years of record by age 65. He does not have that much time. He also cannot “buy” all the years of record. But he can pay insurance contributions equivalent to 7.5 years of record and work the remaining 7.5 years officially.

How to check your insurance record

You can calculate your insurance record yourself. However, recently all citizens can do this on the Gosuslugi website. To do this, you need to:

1. Log in to your personal account.
2. Select the section “Pension, benefits and allowances”.
3. Select the item “Notice of the status of your individual account with the Pension Fund”.
4. Click the “Get statement” button.

The system will send a request to the relevant authorities, and within one day you will receive a statement from the Pension Fund. You can view it by email or in your personal account.

Work experience for foreign citizens

When calculating the insurance record, years of work in other countries are generally not taken into account. However, this does not apply to all countries. According to a document published on the website of the Eurasian Economic Union, workers from EAEU countries living in Russia will have their years of work in their home country counted.

Upon reaching retirement age, a person can apply for a pension in both countries. That is, they will receive money from two pension authorities depending on the actual time worked.

Currently, the Eurasian Economic Union includes:

• Republic of Armenia;
• Republic of Belarus;
• Republic of Kazakhstan;
• Kyrgyz Republic;
• Russian Federation.