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Russia thinks about special insurance for old age

The Russian government has given a serious thought about the future of elderly population of the country, reports rg.ru. This question is relevant for Kazakhstan as well. Our portal has recently brought up this topic, as it is becoming relevant for many countries of the world, because life expectancy is increasing on the planet in general and in Russia as well. By 2024, the average Russian citizen will live up to 78 years old. But no one can avoid aging therefore the support system of elderly people is essential. And today, the statesmen are discussing the possibility of organizing and financing the system in such a way that not a single elderly person is not left behind. A special insurance "for old age" might be the option.
Russia thinks about special insurance for old age

There are similar examples in different countries. In Japan the employee pays a tenth of the tariff, the rest is paid by the state. And when a person is no longer able to be on his own; insurance covers the services of a nurse or assisted living. Obligatory insurance in case of loss of autonomy due to a disease or decrepitude in Germany is Pflegeversicherung. In France, state aid can be obtained in a nursing home; 640 thousand people live there today. And in Israel, the state attracts volunteers and helps families willing to take care of the older generation.

Russia is considering the possibility of introducing a fee of 1.5% from the salary as a part of the social insurance tariff for long-term care in old age. This care would be translated into first, inpatient facilities (boarding houses, nursing homes), and second, semi-hospitalization facilities – the institutions with day care. The third direction is home nursing care.

Earlier, in an interview with lifeinsurance.kz, Bota Zhumanova, the founder of the pension thematic platform ENPI.kz, a financial expert, expressed her opinion on the need to support the seniors.

  • There are about 300 thousand people in Kazakhstan that can be attributed to the middle class, aged 35+, who are just facing the problem with older parents who are demanding more and more attention due to their age and health, - she notes. - In the next 10 years, this problem will become even more acute, because senior people (parents) will demand more attention and specialized care. These expenses will definitely fall upon solvent children aged 35-45, who are at the peak of their careers and income. Therefore, it would be much more pragmatic for them to approach the purchase of a “grandfather garden” service (in the sense of a garden for grandparents) in the market.

Therefore, our expert finds this area of ​​social entrepreneurship interesting. According to her, neither mentality nor culture is any more a big obstacle, since the world of services is globalizing. Moreover, most of these institutions offer only day visits, and elderly parents can and should spend the nights with their relatives.

Bota Zhumanova also proposes to introduce the best practices of developed countries and international standards that will allow business or entrepreneurs, or socially active groups, to start working in this direction. The first tool is a per capita subsidy, as it has been done with kindergartens.

Community expenditure funding for elderly in Russia comes from the regional budgets of the Russian Federation, and these funds are acutely lacking, the Rossiyskaya Gazeta notes. According to the newspaper, almost 100 billion rubles will be spent on the needs of the older generation.

Therefore, the possibility of adopting the experience of foreign countries is being considered where a separate type of insurance “for old age” is used, usually with the participation of the person. This was announced by Tatyana Golikova, the Deputy Prime Minister at a meeting of the government council on social guardianship. It is not a question of There is no talk about an extra fare. The Russian government is trying to find internal reserves in the social insurance system. So far three options are offered.

First, it is possible to allocate the operating expenses 1-1.5% in the general social insurance tariff specifically for the long-term care system. The Social Security Fund of Russia (SSF) has a proficit, so this reallocation of funds is real, writes rg.ru. Secondly, the reserve for compulsory pension insurance, which is formed in the Pension Fund of the Russian Federation (PFR) can be used by transferring the investment income funds in it, which is legally subtracted if the insured citizen changes one APF for another ahead of schedule (with an interval of less than five years). This reserve in the Pension Fund has reached an impressive size now, 140 billion rubles, notes Rossiyskaya Gazeta.

The third option is to cancel the limit of earnings, after which contributions to the Russian Pension Fund and the Social Security Fund are no longer charged. It is 865 thousand rubles a year now (on contributions to SSF) and 1.15 million rubles (on pension contributions).

Source: https://rg.ru/2019/05/29/kak-organizovat-edinuiu-sistemu-dolgovremennogo-uhoda-za-starikami.html

Photos are from open sources.

 

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