Pensioners in Russia have the right to independently determine the appropriate option for receiving a pension, the company delivering pensions, and the place of receipt: at home, at the cash desk, by transfer to a personal account/card or at the post office, near their place of residence.
During the period of unstable epidemiological situation, Russian Post creates conditions for senior citizens, pensioners, people with limited mobility and organizes home delivery of payments free of charge according to the established schedule. Now only 8% of pensioners continue to receive money in person at post offices .
Citizens who do not receive a pension through Russian Post can contact a specialist at the Hotline number +7 927 210 76 19 and leave a request for pension delivery to their home. If necessary, an employee will advise and help fill out an application remotely.
When receiving a pension, the citizen is given a tear-off receipt with information about all types of payments received (basic and insurance pension for the reporting period, additional benefits).
Pension payment date by post
In order for the pension to be issued without delay, the Pension Fund creates a schedule for issuing money. Every month, every pensioner can receive a pension within the specified period from the 3rd to the 22nd .
If the payment date coincides with a holiday or weekend, pensions are issued in advance or later than the due date, but always before the end of the month. The exact date of pension payment can be clarified by calling the single “Hotline”. The specialist will inform you about the date the money arrives at the post office.
In 2021, due to the spread of coronavirus infection, the workday schedule of postmen may be changed. You can find out information about payment dates in a specific area on the websites of regional post offices.
When will the pension for January 2021 be given?
Those pensioners who receive their pension by transfer to a card account in banks will not have any worries - usually the Pension Fund begins transferring money to banks after the 10th. That is, transfers will take place according to the usual schedule, after the New Year holidays.
For those pensioners who receive pensions at the beginning of the month, at home from the postman or directly from the Russian Post, it will be a little more difficult). Different cities have different payment schedules for the January pension. But usually all these schedules boil down to the following: Pensioners who should be issued January pensions from January 1 to January 6 will receive (or transfer) pensions in advance, on December 28-30, 2021. Pensions will not be issued on December 31, 2021 - this is a day off.
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Can a trustee receive a pension?
A trusted person can receive a pension by executing a power of attorney drawn up in accordance with the requirements of the law.
The document can be drawn up by the pensioner in free form. In this case, the power of attorney must include full information about the authorized recipient (passport, full name, place of residence and registration), place of receipt of the pension, actions that the authorized person can perform, the validity period of the document (no more than three years) and signature.
The document will not be valid without certification by a notary. In this case, the pensioner will be required to annually confirm his place of residence/registration. Any citizen can act as a proxy, regardless of family ties or the presence of a common living space.
The procedure for issuing pensions
Russia has a system through which disabled citizens can receive benefits in the form of pension payments. They are accrued every month, and the amount depends on why the person receives money from the state.
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Citizens of this category receive a pension once a month. At the same time, the exact number is assigned depending on the time frame within which the citizen was able to confirm the status of a disabled person. In this regard, the accrual date may change every year after completing the necessary procedure.
How to receive a pension in Moscow and the regions
The Pension Fund of Moscow and the Moscow Region was informed that the delivery of pensions will be carried out on time or in advance (the current schedule can be checked on the website of the Moscow Pension Fund).
Please note that the date of receipt of payments may vary. First of all, the money will be transferred to bank cards, then it will be delivered to citizens’ homes and only then to post offices. Territorial branches of the Pension Fund have the right to independently set a schedule for issuing pensions (information is posted on the Pension Fund portal).
The procedure and methods for receiving payments are the same for all regions, but the amount of payments may vary. The Moscow region is the richest in Russia and is capable of making additional payments to pensioners from its own budget.
The size of the pension in different parts of Russia is calculated based on the regional coefficient. For example, residents of northern regions receive a premium for living in difficult climatic conditions.
According to statistics, residents of the Tambov, Astrakhan, and Penza regions have the smallest pensions, and residents of the Chukotka, Nenets Autonomous Okrug, Magadan Region, and Chukotka Territory receive the maximum old-age insurance pension.
Does the payment schedule depend on the delivery method?
When submitting an application for pension payments, a citizen also indicates the most convenient method for their delivery. So, today pensions are transferred in several ways.
Through Russian Post branches
Despite the growing market for banking services, the increase in the number of ATMs and retail outlets that accept payments by plastic cards, receiving a pension at post offices is the most common. This is especially true for residents of small settlements, whose residents are distinguished by conservatism, and the post office itself is one of the few operating organizations.
In addition, under certain circumstances, cash can be delivered to your home. Accordingly, the pensioner does not need to visit the post office.
Receiving a pension by mail assumes that the payment is strictly tied to a specific date. That is, it is determined individually for each pensioner. In many ways, this circumstance is quite convenient, since it implies stability in payments.
Through financial institutions
The method of receiving pension money through banks is becoming increasingly popular these days. As a rule, funds are transferred to citizens on plastic cards.
Important! Pensions and other social benefits, the source of funds for which are the budget or state extra-budgetary funds, are transferred only to cards of the Russian payment system "MIR".
Pension money is transferred to the account of only those banks with which the Pension Fund has a concluded agreement. Today, the most popular cards among Russian pensioners are Sberbank and Pochta Bank cards.
As a rule, transfer of a pension to a card is carried out on the same date for all pensioners, regardless of the date of filing the application for the corresponding payment and place of residence within the same region. This rule does not apply to Sberbank, which transfers money according to schedules established for branches that are responsible for issuing cards.
If desired, pensioners have the right at any time to change the method of delivery of pension money to a more convenient one for themselves.
An application for its replacement can be submitted through:
- pension fund department;
- Multifunctional Center.
In addition, it is possible to use the electronic services of State Services or your personal account on the Pension Fund website.
Opinion of pensioners
The majority of citizens reacted positively to additional payments and the opportunity to change the method and place of pension delivery.
The main argument in favor of processing payments by mail is the opportunity to receive money at any time, after the scheduled payment date, and also receive a receipt with a list of benefits, compensation, and account balance.
Considering that most pensioners are far from information technology, the post office remains a convenient and familiar place to receive a pension.
When does a pension arrive on a Sberbank card?
This category of citizens entitled to monthly payments receive money according to a slightly different scheme, so the timing of transferring pensions to a Sberbank card depends on a number of nuances. This applies to a greater extent to persons with disabilities, who must annually confirm their disability. People with lifelong disabilities receive financial assistance like ordinary pensioners - according to the same rules and within the same time frame. The calculation of money for the category of residents who confirm their disability occurs according to the following rules:
- incorrect preparation of a payment order by Pension Fund employees, due to which the transaction is interrupted by the bank and the money is returned to the sender;
- uncoordinated actions of institutions when sending bank details of pensioners to the fund;
- mistakes made when drawing up an application for a card and personal account.
Conclusions and recommendations
- Pensioners can independently determine for themselves the most convenient option for receiving a pension.
- In order to transfer a pension to the post office, it is enough to fill out an application and send it to the Pension Fund.
- During the period of self-isolation, pensioners receiving pensions at post offices will have payments delivered to their homes.
- Any person can receive payment for a pensioner by mail when drawing up a power of attorney.
- Pensioners who receive a pension by transferring it to a card of another payment system are required to apply for a MIR card.
- The individual pension payment schedule in each region can be found on the Pension Fund website.
Author
Breslav Lev Andreevich
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What date are pensions transferred to Sberbank cards?
If for a long period of time (after the due date of issue) you cannot receive the required pension, more precisely, if there is no notification about the crediting of funds to your card, you always have the right to call the hotline number. But not by the corresponding number to Sberbank, but by the hotline of the Pension Fund of the Russian Federation. The reason for such a small paradox is this: only the Pension Fund is involved in the final distribution of all funds, the bank only acts as an intermediary and controls the process of transferring money to the current account of its client.
Sberbank is the main credit and banking organization that makes pension payments to the client’s individual card. In our country, labor pensions are transferred to a Sberbank card according to a simple principle: the reference point is the day when the first benefit was paid to the pensioner. As a result, the numbers can be adjusted within 2-3 days (no more). The same scheme applies to military pensioners.
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Pension portal of the Russian Federation
- contact the regional office of the Pension Fund with a corresponding request. To do this, you will be asked to write an application indicating the number and address of the postal communication center. But keep in mind that the date of payment of pension benefits may change;
- online. You should register on the official website of government services esia.gosuslugi.ru, go to the “Personal Account”, find the page of the Pension Fund and there change the method of receiving funds to “Postal Service Organization”;
- fill out an application and send it to the Pension Fund by letter.
- the opportunity to withdraw money at a convenient time, but please note that you will be able to withdraw the required funds only after the date of their transfer to the post office;
- At your request, an employee of the communication center will always provide information about the balance of funds in your personal account, how much and when you withdrew cash.
- The disadvantages of this method of receiving the required funds at the post office at the place of residence of ordinary people include:
- remoteness of post offices, the post office is often located at some distance from residential areas and for many elderly people even such a short journey can be difficult;
- the pensioner will need to go home with a significant amount of money, and this may not be safe;
- If a citizen does not apply to the department for pension provision for six months, then, following the decision of the Pension Fund, the payment of money to him is suspended. To restore the receipt of money, you should contact the post office with a corresponding application for the resumption of payments;
- It is also worth considering that when you change your residential address, the post office also changes at the same time, which should be notified to the regional office of the Pension Fund of the Russian Federation.
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