Now the time has come to apply for a pension. Some people are happy about this event, others are sad. Most often, the hassle and endless visits to authorities associated with its registration are frightening. But it's not that scary.
Thanks to the Internet, today some problems can be solved literally while sitting on the couch. You can also submit an application to the Pension Fund via the Internet. Today, residents of more than 80 regions of the country can do this. True, for everything to go smoothly and quickly, you need to do a lot of preparatory work.
Taking care of your pension in advance
Let's talk a little about what a potential retiree should know.
Pension Fund specialists strongly recommend that you begin collecting the required documents in advance (at least six months, or better yet earlier) before the planned event and be sure to contact the Pension Fund with them for consultation and verification.
Why? Yes, because in practice quite often there are errors, inaccuracies, incorrectly completed entries in certificates and work books, necessary details are missing, seals are not readable, and some periods of work are omitted from the documents.
When assigning a pension, in order to most fully take into account all periods and circumstances that may affect the amount of the pension, if inaccuracies are detected, confirmation with clarifying documents and certificates will be required. This involves sending inquiries to organizations and archives. This will take a lot of time, and objectively it may delay the appointment of a pension indefinitely.
Conditions for assigning an old-age insurance pension
An old-age pension can be granted if several conditions are simultaneously met:
- The age at which the right to an insurance pension arises.
From January 1, 2021, it was increased by 5 years and amounted to 65 years for men, 60 years for women. Until 2023, transitional rules are in effect, taking into account the provisions provided for in Appendix 6 to Law No. 400-FZ, according to which the retirement age is increased gradually. As for the remaining conditions (IPC, length of service), the requirements remained the same.
- Required amount of insurance experience.
Until 2024, the required insurance period increases annually by one year (the limit is 15 years).
- Required number of pension points (the annual amount of points depends on the salary and contributions transferred from it).
From 2024, the minimum number of points is 30 (until this date, a gradual annual increase in this parameter is provided).
You can find out about the number of points earned in the section “About generated pension rights” in a citizen’s personal account on the Pension Fund website: https://es.pfrf.ru/#services-f or on the State Services website: https://www.gosuslugi.ru .
During the transitional provision, less length of service and points will be required to assign a pension. For example, when applying for a pension in 2021, the minimum required insurance period must be 11 years, the value of the individual pension coefficient must be at least 18.6 points.
Upon retirement, the number of accumulated pension points is multiplied by the value of one pension point in the year of retirement. In 2021, 1 point is equal to 93 rubles.
In 2021, women born in July-December 1964 (retirement age - 55 years 6 months) and men born in July-December 1964 can apply for an insurance pension on a general basis, provided they have the required insurance experience and the value of the individual pension coefficient. 1959 (retirement age – 60 years 6 months).
On the State Services portal (https://www.gosuslugi.ru/10042/2) you can order an extract that will provide data on transferred contributions, pension coefficients and length of service.
Preparation of documents
How soon the applicant will receive the first payment depends on the deadline for submitting documentation and the reliability of the data provided. Pension Fund employees recommend starting to collect documentation 2.5 months before your expected retirement.
You can submit documents for an old-age pension one month in advance.
Then the first payment is assigned from the date of retirement. If you are late, payments will begin on the day the documents are submitted. To easily apply for a pension, you need to provide the Pension Fund with the following:
- passport;
- work book;
- certificate from place of residence;
- snils;
- income document for the five-year period from 1997 to 2002.
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Documents for assigning a pension
In addition to the application, each potential pensioner must prepare a package of documents on the basis of which the pension will be calculated and assigned:
- To confirm place of residence, age and citizenship, a passport of a citizen of the Russian Federation or a residence permit is presented.
- You will also need documents confirming your experience and salary (work book, extracts from orders, clarifying certificates, employment contracts, etc.).
- SNILS, as well as documents about marriage and divorce, about dependents, military ID (if necessary) and others.
When and where to apply for a pension
It is best to apply for a pension in advance of eligibility. This time may be enough to collect the missing additional documents and provide them.
When applying for a pension in advance or at least on your birthday, the pension is assigned from the moment the right arises. If the application is submitted after this date, the day of appointment will be considered the day of application.
At the same time, you need to remember: you should not do this earlier than a month before your birthday. Otherwise, your documents and application will simply not be accepted.
The applicant must provide all missing and clarifying documents within 3 months. If this deadline is violated, the date of assignment of the pension will be considered the date when the pensioner submits a complete package of documents.
You can submit your application in different ways. Most often, this is done by the future pensioner himself. But the option of filing through a legal representative is allowed. A future pensioner has the right to contact the Pension Fund, the MFC at his place of residence, or send an application by mail or via the Internet.
Features of applying for a pension via the Internet
Every citizen of the Russian Federation who has reached retirement age can submit an application online (in addition to the old-age pension, you can also apply for other types of pension: funded, disability, survivor). To do this, you need to register on the State Services Portal or on the Pension Fund website (read more about this in the article “How to work with the personal account of the Pension Fund”), enter your personal account, provide the necessary information about yourself, select the desired type of pension and delivery option.
- In your personal account, click on the link “Submit an application for a pension.”
- We enter information about the territorial body of the Pension Fund.
- Fill in the applicant's information.
We fill out this information about ourselves exactly according to our passport. We indicate your full name, gender, date of birth, SNILS, country and place of birth, residential address, citizenship, passport details, telephone and email. The last two points may be required for communication between Pension Fund employees and the applicant if necessary.
- Assignment of pension. On this tab we select the type of pension.
- We provide additional information for assigning a pension.
- We confirm the data by checking the boxes and create an application.
Important: an application via the Internet, as well as in person, can be submitted no earlier than a month before eligibility. The application will be considered within 10 days if all the necessary documents are at the disposal of the Pension Fund. If any additional documents are required, the applicant will be informed about this by Pension Fund employees.
Design rules
One month before retirement, you must submit an application to the Pension Fund. You should check with the employees of the local Pension Fund office for the list of required documents. The procedure will then take several steps:
- An elderly person needs to collect all the documents recommended by the Pension Fund specialist.
- One of the existing ways is to submit an application for a pension and a package of documents.
- Within ten days, Pension Fund employees review the accepted documentation. If any paper is missing or an inaccuracy is discovered, the citizen must be notified. It takes 3 months to correct the error.
- If all documents are available, the Pension Fund considers the legality of assigning pension benefits and makes a decision. The applicant is also informed about this.
- A pension is issued and payments are assigned.
- Pension benefits are paid in the method chosen by the pensioner (by card or home delivery).
Pension calculation when applying online
When submitting an application online, the applicant does not submit any documents to the Pension Fund along with it. It is assumed that the Pension Fund already has all the necessary information for calculating a pension (about the amount of insurance contributions, places and periods of work, length of service, wages, etc.). This data, previously received from employers, is located in your personal account in the section “About generated pension rights”.
To avoid unpleasant surprises with the amount of the pension in the form of incorrect calculations due to discrepancies between the information available in the Pension Fund and the actual data, they should be checked in advance and make sure that the information is entered in full.
Important: if any inconsistencies or absence of any periods are discovered, the citizen can contact the employer to clarify the data and provide it to the Pension Fund in full.
In case of disagreement with the amount of a pension after its assignment, a citizen has the right to contact the territorial Pension Fund and request a certificate with a detailed calculation of the amount of the pension.
This easy way to submit an application, provided by the PFR website, makes a personal visit to the Pension Fund completely unnecessary or reduces the number of visits to a minimum.
Electronic application
Through a personal account on the Internet, a citizen can submit an application for any type of pension. The legal representative of a minor or incompetent person can do the same. To enter the account via the Internet, the registration data of the State Services website is used. When filling out the application, you must correctly select the territorial office of the Pension Fund of the Russian Federation to which the application will be automatically sent.
The completed stage is marked with a green tick.
Personal data
An application written in accordance with all the rules is the key to quick and accurate calculation of pension payments. It is necessary to accurately indicate passport data, date of birth, personal identification number, and citizenship. In addition to this information, you need your residential address, email, and telephone.
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Type of pension
The third stage requires indicating the type of pension (insurance, preferential, survivor), the presence of other accruals, whether the applicant is employed at the time of filing the application, whether there is a dependent. In your personal account, you can check the amount of insurance coverage, the number of deducted contributions, and view your pension points.
This will determine the type of pension the applicant can claim.
Delivery method
At the final stage, you are asked to choose a method of receiving pension benefits. Transfer to a bank account requires information about the financial institution, account number and card. When choosing delivery of a pension by Russian Post, the address of the future pensioner is indicated. If you prefer another organization responsible for delivering pension benefits, then information about it is needed. The recipient's address is also entered.
