Definition
The term in question is described in the provisions of Article 185 of the Civil Code of the Russian Federation. This rule indicates that this is an act that is drawn up using a written form and reflects a special kind of authority to perform specific actions on behalf of a citizen. It is provided that such powers can be transferred to one or more persons. This includes receiving pension payments.
The need to draw up such a document is reflected in the law adopted at the federal level under No. 400 of 2013. These provisions do not only apply to elderly people. The recipient of payments may also be a minor.
A power of attorney is required in the following situations:
- when a person has been in a hospital-type hospital for a long period;
- no ability to move independently;
- the citizen is illiterate and cannot sign the paper himself;
- moving to another state.
It is worth noting that this list is not closed. This suggests that other situations may occur in life when the drafting of the act in question will be required.
Registration process
There are several methods by which a power of attorney is issued. This is influenced by the state the citizen is in . Including:
- formation of the house;
- certification from the head of the medical institution.
The sequence of actions depends on which method of action is chosen by the citizen. However, this aspect does not affect what exactly is reflected in the document. These should be:
- title of the act;
- the day it is formed;
- place of registration;
- information about the citizen who acts as a principal, including his last name and initials, date of birth, place of registration);
- indication of similar information about the authorized person;
- transfer of powers;
- the period during which the act is considered valid.
At the end the paintings are put down. If required, other information may be reflected in the paper, if required.
How to transfer a pension to a card for an immobile pensioner
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A pensioner who previously received cash at Russian Post offices, but now cannot leave home, is recommended to have his pension credited to a plastic card. Let's consider the options and nuances of remote pension transfer to the card product of three banks: Sberbank, Post Bank and Tinkoff.
Transferring pension to a bank card
Registration of a bank card is a convenient option for receiving pension accruals, especially for pensioners who cannot leave home. IMPORTANT.
You can only transfer your pension to a card from a bank with which the pension fund cooperates. According to Decree No. 419 of April 11, 2019, a card to receive a pension must be issued in the Russian national payment system “MIR”.
Registration of a plastic card
To transfer pension accruals to a card account, you must have a plastic card. If a pensioner does not have a valid card, it is recommended to follow the following procedure: 1. Apply for a plastic card.
The easiest way is to submit an online application form from the banking organization’s website, and then wait for a call from a bank employee explaining where and when you can pick up the finished plastic. Or issue a notarized power of attorney to issue the card. ATTENTION.
To issue a power of attorney from an immobile pensioner, you can invite a notary to your home by paying for the travel service. 2.
Get a card at a bank branch, for example Sberbank, or through courier delivery to your home, for example from Tinkoff. If you need to go to the branch to get a plastic card, then this can be done for disabled pensioners by a trusted person who needs to issue a notarized power of attorney. The power of attorney to receive a plastic card must contain the following information: 1.
The name of the document is POWER OF ATTORNEY. 2. Date and place of issue of the document. 3. Personal data of the client: full name and date of birth, passport data (series, number, date of issue and by whom, department code), address of residence. All personal data must match those specified at the stage of filling out the application form to receive the card. 4.
Personal information about the authorized person: full name and date of birth, passport data (series, number, date of issue and by whom, department code), address of residence. 5. Powers of the authorized person: issuing a main debit card and receiving a debit card and PIN envelope or setting a PIN. 6. Validity period of the power of attorney. If the period is not specified, then it is automatically equal to one year. 7.
Signature of the principal and notary. IMPORTANT.
Sberbank does not issue a plastic card by proxy if it was issued for the first time through an online service and the client did not have a banking service agreement at a bank branch.
Transferring a pension to a card through the government services portal
The main way to transfer monthly pension accruals to a plastic card is to fill out a corresponding application on the government services portal. IMPORTANT.
To transfer a pension through government services, the pensioner must have a verified account. The procedure for registering for public services with a confirmed account: 1.
Go to the website and enter your information in the registration form: last name, first name, mobile phone number and email address. 2. Wait for an SMS message with a registration code, enter it in the appropriate field of the form. 3. Next, fill in your passport and SNILS details in your personal account. The correctness of the information provided will be checked by the FMS and the Pension Fund of Russia.
Verification period: from several hours to several days.
4. Confirm your identity. There are 4 ways to get a verified account. For non-walking pensioners, the most suitable option is to use online banking - identity confirmation through the Internet banks of Sberbank, Post Bank or Tinkoff.
Moreover, the pensioner will have to apply for a card from one of these banking institutions to transfer pension accruals.
REFERENCE.
The account confirmation procedure via online banking takes 5-10 minutes.
How to transfer a pension to a Post Bank card
One of the banking organizations cooperating with the Pension Fund is Post Bank, which has a special card product for pensioners, issued in the MIR payment system. Advantages of transferring pension accruals to Post Bank: – free card servicing; – the ability to withdraw cash at numerous Post Bank and VTB terminals.
The total number of ATMs in the country is 73 thousand; – until the end of January 2021, under the “Magnificent Seven” promotion, an increase in pension in the amount of 7% per annum; – receive a 3% cashback when making purchases in pharmacies and gas stations or when paying for travel on public transport; – special offers for processing deposits and loans at Post Bank.
The procedure for transferring pension accruals to a card will depend on whether the pensioner is a bank client or not. Clients can submit a request for a transfer through their personal account of the bank’s online service: 1. Log into your personal account “Post Bank Online” using your username and password. 2. Go to the “My pension” section. 3.
Fill out and submit the application for transfer. 4. Monitor the translation process online. In addition, it is possible to submit an application for transfer through the government services portal: 1. Log into your account on the government services portal. 2. Go to . 3.
Fill out a form in which you must indicate the bank details and current account number to receive money. 4. Submit a form that will be considered by the Pension Fund of the Russian Federation. Those who are not clients of the bank are required to: 1. Fill out an application to open an account with Post Bank on the website of the banking organization. 2.
Receive the card by proxy and ask an employee of the banking organization to help fill out an application for pension transfer. 3. Wait until the Pension Fund agrees to transfer pension accruals to Post Bank.
Transferring a pension to a Sberbank card
Sberbank cards are one of the most popular for receiving a pension. Previously, the bank issued Maestro social cards for pensioners, now registration is only for a special MIR card, and the transfer to them is planned to be completed by mid-2021.
The MIR card from Sberbank for receiving pensions and other social benefits has a number of advantages: – It accrues 3.5% per annum on the account balance; – Plastic card service is free; – Accrual of “Thank you” bonuses in the amount of 0.5% and up to 30% for program partners; – The ability to withdraw cash from numerous Sberbank ATMs, up to 50 thousand rubles per day and up to 500 thousand rubles per month without commission. It is easy to transfer pension accruals to a Sberbank card if you have a suitable MIR payment system card and a confirmed account on the government services portal: 1. Log in to the government services website using your username and password. 2. Select the “Pensions” section in the catalogue. 3. Select the menu “Payment of insurance pensions...”. 4. Select delivery and fill out the form to receive the service. If a pensioner does not have a Sberbank card in his hands, then he can apply for one by proxy, and, upon receiving the card, fill out an application at the bank for the transfer of pension accruals.
How to transfer a pension to a Tinkoff card
Tinkoff Bank does not have a special card product for pensioners. Considering that a pension can only be transferred to a card of the MIR payment system, the only suitable product is the Nashestvie card.
Advantages of the “Invasion” plastic card: – free service available to pensioners; – cashback up to 5% depending on the category of purchases, guaranteed cashback when making any purchase – 1%; – accrual of up to 6% per annum on the balance on the card account; – an amount of 3 thousand or more can be withdrawn free of charge from an ATM of any Russian bank; – receiving the card via courier service to your home. ATTENTION.
Tinkoff Bank does not cooperate with the Pension Fund in all regions. Before transferring, you must check the possibility on the website of the territorial branch of the Pension Fund. In order to transfer pension accruals to a Tinkoff card, all you need to do is: 1. Go to the government services website and activate your account. 2. Find the “Pensions” section and select the delivery application. 3. Fill out all fields of the form, in paragraph 3 “Information about the delivery of the pension...” indicate the delivery details: the name of the bank and the account opened with it. 4. Wait until the Pension Fund considers the application. This may take up to 7 business days.
In order not to go to Russian Post offices to get your pension, it is enough to transfer it to a plastic card. This will not only simplify the process of receiving money, but will also provide additional benefits, for example, interest on the balance on the card and cashback for purchases. It is important to remember that pension accruals can only be transferred to a card of the MIR payment system of a bank that cooperates with the Pension Fund of the Russian Federation.
Source: https://expert-finjur.ru/229/soc-payment-Kak-oformit-perevod-pensii-na-kartu-nekhodyachemu-pensioneru/
Contacting a notary office
To receive pension payments for a citizen, you will need to issue a power of attorney. To do this, you need to contact a notary office. If a citizen is unable to move independently, then it is permissible to call an authorized person home. The main task is to determine whether a citizen has legal capacity. This suggests that it is possible to draw up such a document only if the person is of sound memory and mind.
This act shall reflect:
- information about the notary office where the deed was drawn up;
- an indication of the fact that the pensioner has legal capacity.
In addition, the paper may specify other conditions that are necessary for the activities of the trustee. At the end, the patient must sign the document. In this case, a situation may arise when a person cannot sign, then another person affixes the signature. The main condition is that an employee of the notary’s office and the person for whom the document is being drawn up are present.
In this case, it is necessary to reflect in the act the data of the citizen who signs. When an employee of a notary office concludes that a person is incompetent, it will not be possible to draw up a document.
Delivery of pension to your home: by mail, how to apply, by postman
Sooner or later everyone reaches retirement age. And here, inevitably, every person has to deal with all sorts of ways to issue that very cherished pension. In these situations, people are divided into two camps: those who choose pensions delivered to their place of residence, and those who prefer to personally go to specialized institutions.
What are the delivery methods for pensions?
All people want funds to arrive quickly and conveniently, without leaving home. Today there are several ways that provide this opportunity. Namely, they include:
Russian Post
It is considered the most “old-fashioned” way. And it is more suitable for pensioners living in rural areas where there are no non-cash payment methods. It was used in later times.
This option involves two ways:
- personally appear at the post office and collect your pension;
- or the postman will bring it in an envelope.
Pension payments for delivery times may vary depending on the specific post office and its corresponding schedule. During the agreed time (sometimes there are slight delays for a number of reasons), a special person brings legal funds to the pensioner to the desired addressee. More detailed delivery times in each Russian Post are specified in it itself.
Bank
At the moment, you can also receive a pension through a bank. Is the most popular way. Thanks to banking services, it has become possible to take benefits directly to the card of the corresponding bank without service fees and completely free of charge. But you can register it “the old fashioned way” at regular ticket offices.
To receive a pension with this option, you need to visit the bank company, taking with you the pension certificate and the owner’s passport. The pension is issued on a specific day.
It can then be withdrawn in parts or all at once, depending on the preference of the pensioner. To do this, just go to the nearest ATM.
The pension arrives exactly on the day the bank transfers it from the Pension Fund.
The pensioner needs to remember that PF branches cooperate exclusively only with Sberbank of Russia.
Special organizations
The following companies performing exactly the same work are called organizations accredited by the Russian Pension Fund. All of their names are freely available from the Pension Fund and have a similar payment scheme as in the above methods.
How to arrange for pension delivery to your home?
Delivery of the pension directly to the pensioner’s current address is the most convenient way. This allows you to save time and effort in old age (it will be especially useful for people with disabilities). To apply for this type of pension, you need to come with documents to the nearest Pension Fund branch at your residence address, MFC, as well as on the state portal. services.
It all starts with providing an identification document. As such, a single application form is not established by law, but the Pension Fund has compiled an approximately more or less accurate sample. You can find sample forms on the website of the Pension Fund itself and its branches.
Free delivery occurs exclusively by postal organizations that have concluded agreements with the Pension Fund dated 2014 N.
Benefits arrive with the postman strictly on schedule. Otherwise, if the citizen is not at home, he will need to contact the organization himself (since the delivery person does not come again).
Required documents
To receive cash benefits at your place of residence or by mail, you must have the following list of papers:
- passport of a pensioner from the state;
- pensioner's certificate;
- an application to the Pension Fund giving the right to issue pensions in the agreed amount;
- other documents confirming the person’s right to pay him a pension.
How to apply?
Applications can be submitted to Pension Fund organizations.
After this, PF employees will review and accept the application, the option for delivering money will change from the month following the submission of the application.
In order for your pension to be delivered to your home post office, you must write a special application. This form is established on a legislative basis, however, the Pension Fund has approved a single form of a sample of this document.
It is necessary to indicate the following information:
- Full name of the citizen;
- citizenship of the person;
- SNILS (pension insurance certificate number);
- registration and registration address;
- phone number;
- method of obtaining (set according to the desired choice). If a pensioner desires delivery to his place of residence, then the final destination point is indicated. Instead, the name and number of the branch are selected - if delivered via mail. Account number and name of the credit institution - through the bank.
Composing in hospital
If a person is in a hospital-type hospital, then the following options are provided for resolving the issue of issuing a power of attorney:
- calling a notary office employee to the hospital;
- certification by the head of the medical institution.
In this case, contacting the main doctor is a more appropriate option. The document has a standard expression. You need to write in it:
- the name of the institution where the person is being treated;
- an indication of the patient’s condition, including whether he has legal capacity;
- data of the head of such institution.
The positive aspects of using this option include the fact that you do not need to pay the head doctor. If a person wants to call a notary, he will need to pay a fee. It is worth noting that in this case the cost of services increases significantly.
When the head of a medical institution believes that a citizen does not have legal capacity, then an act cannot be drawn up. In this case, you need to look for another way out.
Cost of services
A prerequisite is that the date on which the formation occurred is reflected in the act. When such an indication is absent, the document is considered as inconsistent with reality. The document has a limited validity period. If a citizen is very sick, then he has the opportunity to draw up an act for any period, but no more than three years. The validity period may not be specified. In such a situation, the paper is considered valid for a year.
The amount of payment varies depending on which office the person contacts. Most often, the amount ranges from 800 to 1500 rubles. The cost is influenced by where a person lives.
You can find out the amount of payment depending on the region through your PFR personal account.
Registration of guardianship
If a citizen is bedridden and lacks legal capacity, then guardianship may be issued for him. In this case, there is no need to obtain consent for this. For example, when a person is unconscious. However, a person may be aware of his actions, but not be able to care for himself. Then patronage will be established.
Both persons who are closely related to the patient and strangers can act as a guardian. The main thing is to meet the established requirements. Including:
- reaching adulthood;
- availability of legal capacity;
- no criminal record;
- compliance with moral qualities.
The authorized body may not make a positive decision regarding the guardian if he is elderly or has serious health problems. In addition, a refusal is also issued in the case where a citizen has a negative characteristic. It can be issued at the place of work or study. Then you need to find another solution to the problem.
Registration of guardianship is carried out in the bodies functioning in the guardianship authorities. If there are several candidates for the role of guardian, then preference is given to the one who is a close relative. In addition, several assistants may be appointed, they will share responsibilities among themselves. It is not permissible to appoint social workers or doctors as guardians.
To complete the application, you will need to create an application that is submitted to the authorized body. You can obtain a list of required documentation from the specified service. This includes documentation used to verify identity and health status. You will also need consent from relatives and a certificate from your place of work confirming your income.
Features of receiving pensions for seriously ill patients
The need for timely delivery of pensions to patients lying at home is also due to increased costs for the purchase of medicines.
The usual procedure for changing the method of money delivery involves submitting a corresponding application to the Pension Fund branch indicating your choice. If the physical condition of a pensioner does not allow him to receive a pension on his own, all that remains is to entrust the withdrawal of money to a reliable person, at the recommendation of the seriously ill person.
The algorithm for a relative’s actions without a power of attorney is as follows:
- Find out the PIN code from the sick person;
- go to the nearest bank terminal and withdraw money;
- hand over the amount and return the card itself to its owner.
If a pensioner receives a payment at the post office or at home, but cannot move his arm, as, for example, due to a stroke, then he will have to draw up a power of attorney. A notary is invited to the apartment of a bedridden patient - the service is paid, it will cost 800-1500 rubles.
The document certifying the right of another person (not necessarily a relative) to represent the interests of the patient indicates the passport details of both parties to the agreement. The action entrusted by the principal is also indicated - receiving a pension.
When a pensioner, due to illness, cannot indicate trust in writing, but clearly expresses his desire, another person signs instead. In this case, it is necessary to explain the reason for changing the certifying document, for example: the patient is paralyzed, his arm is broken.
A more complex case is when the pensioner is incapacitated. Receiving a pension for him is possible through the registration of guardianship. To do this, they first establish a disability in a medical institution, go to court to certify the fact of the person’s incapacity, and then contact the guardianship authority.
With the establishment of guardianship, a relative receives the right to receive a pension for a seriously ill person. This procedure does not apply to cases where an incapacitated pensioner is placed in a medical or social institution.
