About benefits for pre-retirees and how to get the coveted certificate

Now the pension fund provides a new service - confirmation of pre-retirement status. Or confirmation that there is no such status. The certificate is issued in a minute via the Internet. It will help you get paid days off for examinations, increased unemployment benefits and property tax breaks. That's the main thing.

Ekaterina Miroshkina economist

Read until you retire

A pre-retiree is someone who has five years or less left until retirement. Pre-retirees have benefits such as exemption from property taxes, two days off for medical examinations, a mandatory share of inheritance, early retirement and increased unemployment benefits. If the benefit depends only from pre-retirement status, you need to confirm it. What do you need for this? You need help, of course. For this purpose, the pension gods have created a service on the website pfrf.ru. A valid government services account is required. All.

Restoring a certificate

The procedure for replacing the main paper confirming the status of a pensioner is similar to the procedure for first receiving it from a government agency of the country. The replacement process is free and there is absolutely no charge to the senior. To replace the official paper confirming the status of a person receiving state support, you need to collect a minimum package of documents:

• old-style certificate;
• Form 9 paper;
• statement.

To replace the official paper confirming the status of a person receiving state support, you must contact the Pension Fund or MFC on the basis of regional affiliation. The package of documents does not depend on the place of their submission.

In the event of loss or damage to a document, a request is written in free form with a request to issue a duplicate. Working citizens of retirement age sometimes write a request to their place of work through human resources specialists. They issue a power of attorney in the name of the employee to represent the person’s interests in the Pension Fund of the Russian Federation.

A copy of the identity card is attached to the written application. In the Pension Fund of the Russian Federation, personal data about citizens of the country who are supported by the state are contained in electronic dossiers. Finding the owner of a lost form requires very little human effort.

If a person has lost his old-style ID, he will be issued a new-style certificate. Old certificates will not be issued.

In case of retirement after 2015, replacement or loss of an official certificate, in the modern world a pensioner’s certificate of a modified form is issued. It includes all the necessary information for assigning old-age benefits.

Who are pre-retirees?

Pre-pensioners are people who have five years left until they reach the age that will give them the right to an old-age insurance pension, including an early one. Such people were placed in a separate category due to the increase in the retirement age from 2021. Now women cannot retire at 55, and men at 60, but the state wants to support them. Therefore, pre-retirement workers are given special benefits, are paid increased unemployment benefits and can be granted an early retirement pension upon dismissal. To take advantage of pre-retirement benefits to save money and protect your rights, you must confirm your pre-retirement status. And not in words, but in an official document. Pre-pensioners are also called those who received the right to benefits according to the old rules - from 55 or 60 years of age. That is, if the retirement age had not been raised, the woman would have retired at 55, and now she will retire later, but will not pay tax now. For such benefits, it is enough to confirm your age; no other conditions are important. These are two different categories. For example, a woman will only have the right to an obligatory share in the inheritance at the age of 55, because it depends specifically on age. And another woman will be able to receive increased unemployment benefits as a pre-retirement worker from the age of 54, because she was fired five years before retirement.

Refusals to grant pensions in 2018

So imagine the situation. Your age has reached the pension limits, you went to apply for a pension, but the Pension Fund refused! And more and more such citizens are appearing on the territory of the Russian Federation. Upon reaching age, they are denied pension benefits.

Similar precedents occurred for the first time at the end of 2021. The labor activity of those citizens mostly occurred during the Soviet Union. And they were refused. This is a fact that was recognized by the Minister of Labor Maxim Topilin.

Due to constant changes in the pension system, new formulas for calculating and assigning benefits have appeared in the Pension Fund. The refusals, as the Pension Fund explains, are due to a formula that came into force in 2015. The formula implies the appointment of an insurance pension.

So, in order to appoint it, a citizen must have a certain length of service and the required number of insurance contributions. But there were none, so citizens were denied insurance benefits.

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Of course, such people will not be left without a pension, but they will be assigned a social pension, the average amount of which in the Russian Federation is 9,045 rubles. According to experts, 30% of Russian citizens will have such a pension.

Currently, receiving wages in an “envelope” is unprofitable. In old age, you can remain with a minimum pension, which will undergo many more changes.

What benefits do pre-retirees have?

Several years before retirement, you can enjoy the following rights and benefits:

Tax benefits are not provided based on age, but with the following condition: if the right to a pension has arisen according to the old rules. But for this, a woman must be 55 years old, and a man must be 60. It’s just that for taxes, experience and points will also be taken into account in the right to a pension, but for inheritance and alimony they are not needed.

Documentation

Documents submitted by the applicant

I. Required documents:

1. Statement.
2. Identity documents of the citizen (representative).
3. Documents confirming the authority of the representative.

To fill out the application, the applicant's SNILS number is required.

II. Additional documents (if the applicant’s representative applies):

1. A document certifying the identity of the legal representative of the applicant who has the right to receive public services.
2. A power of attorney executed in accordance with the current legislation of the Russian Federation (including in simple written form indicating the passport details of both the principal and the authorized person, as well as the date of execution of the power of attorney) or a document confirming the right of the legal representative (guardian, trustee) to act on behalf of applicant.

When do you need to confirm your pre-retirement status?

This status must be confirmed in cases where the benefit depends specifically on it - that is, the law about the benefit says that it is due to citizens of pre-retirement age. Or is there some other connection to the old age pension. Some people get on the list of pre-retirement people at 51 years old, some at 57 years old, and some only at 60 years old and even later. Then, for a benefit, benefit or medical examination, you need to bring a document that says that this woman or this man is about to retire. Confirmation is issued by the pension fund. Everything has already been calculated there. Here is a complete list of cases when it is worth getting a certificate: You are undergoing a medical examination and are asked to take two days off from work. Pre-retirees can do this every year, they must be paid for this time. You have registered with the employment service and expect to receive increased benefits within 12 months. You do not need to confirm your status for early retirement. You want to receive property and land tax benefits, although you do not yet have the right to a pension. You were fired because of your age five years before retirement, and you want to punish the employer. It is strange that the pension fund does not provide certificates on precisely this basis - under Article 144.1 of the Criminal Code. You will have to confirm your status, but it is not clear what certificate to take. You want to check if such a status already exists. Just like that, for myself.

When you might need it

Since 2015, instead of pension certificates, all Pension Fund departments have been issuing a certificate. This is a document that confirms the source of your income. It is official and is issued free of charge upon request.

Help needed:

1. When you contact government authorities with requests for additional payments or to apply benefits to you (for example, subsidies).
2. If you are going to travel abroad and need to show where you got the money from.
3. At the military registration and enlistment office, if requested there.
4. At the bank, if you want to get a loan, you need to confirm the amount of income.
5. When requesting a social card for free travel on public transport (submitted instead of a pension certificate).
6. When receiving titles and regalia (for example, “Veteran of Labor”).
7. If you want to take advantage of pensioner discounts in supermarkets and shops.

In general, a pensioner really needs this document - both to confirm that he is a pensioner and to exercise his rights as a pensioner.

How to confirm pre-retirement status?

The pension fund has all the information about people of pre-retirement age. To obtain a certificate, you need to submit a request: in person at any branch of the Pension Fund of Russia, regardless of your place of residence; in any MFC; via the Internet at pfrf.ru. If you submit your request in person, you only need your passport. They cannot require any documents about length of service, earnings or insurance contributions. The employee is only required to verify his identity. If you are required to provide any certificates or sent to another department, this is a violation of the regulations. If you come with a passport and they refuse to issue you a certificate, this is also a violation. Complain right away: for starters, to the management of the presumptuous employee. He does not have the authority to send you somewhere and demand additional documents. There is only one reason for refusing a certificate: if you came without a passport or it is expired. If you submit documents online, you do not need a passport. Your identity will be confirmed by a simple electronic signature - in other words, the login and password for your account on public services. This is the simplest and most convenient option, and it really works.

Registration of a certificate for the first time

For adults

If a person retires, then he will naturally go to the Pension Fund to apply for a pension. To submit an application, you should immediately prepare a list of required documents:

• application (it is issued at the fund’s office or it can be filled out online and printed);
• passport;
• work book;
• SNILS;
• certificate of income (needed if the citizen works);
• document or certificate of education;
• bank account number, card;
• birth certificate of the child/children;
• marriage document.

For minors

If a minor loses a breadwinner, the type of his pension may be different. It depends on the type of activity of the deceased. For example, if the deceased officially worked, the child is assigned an insurance pension, if the parent was in the military - a military pension, if the person is incapacitated - a social pension, and in the event of a disaster (man-made or radiation accident) - a state pension is assigned.

Each category has different conditions for providing discounts and other benefits, and the amount paid is also different. In the event of the loss of a guardian or relative, his other disabled dependents will also be able to receive a pension.

The set of documents required to obtain a certificate is small. To issue a pension certificate, you will need the following list of required documents:

• statement;
• passport;
• insurance certificate;
• death certificate;
• a document proving relationship with the deceased;
• certificate of work experience of the breadwinner;
• documents giving the right to receive social benefits (for adult dependents).

How to get help online?

Anyone at any age can request information from the register of pre-retirement people. The certificate will indicate whether you belong to this category or not. Here are instructions on how to do everything on the Pension Fund website: Go to your personal account in the pension fund: es.pfrf.ru. Confirm your identity using a government account and select the desired service. Indicate why the certificate is needed and where to send it.

class=”aligncenter” width=”782″ height=”214″[/img]You need to correctly specify the purpose of the request. This is not a formality. For the employer, you may be about to retire, but for the tax authorities, you are not yet. Only the pension fund can sort it out.

The help will instantly appear in your request history. It can be downloaded, printed or sent as a file.

It took exactly a minute to receive such a certificate via the Internet.
The tax certificate will indicate a different basis. You can request several such certificates, receive them at least every day, or take them separately for the tax office, employment service and employer. Everywhere different rules of law will be indicated, but the answer always comes instantly.

Receipt procedure

With the development of information technology, the list of possible options for obtaining certificates from the Pension Fund has increased significantly. Currently, you can obtain a certificate of pension amount from the Pension Fund in the following ways:

• by directly contacting the local Pension Fund department - according to the regulations, issuing a certificate can take no more than 30 minutes;
• by electronic request through your Personal Account or the “Pre-order documents” service on the Pension Fund website - in this case, you can not only select the institution where the certificate will be issued, but also the exact time of application;
• through MFC institutions.

If the certificate is requested by authorized departments through interdepartmental interaction channels, the pensioner must provide consent to access his personal data. Such a receipt is given for each fact of receipt of a certificate, and the request process itself will take place without the participation of the pensioner.

You can also order a certificate by calling the Pension Fund customer service, which can be found on the official website of the department. To do this, the pensioner’s passport details, as well as the SNILS insurance certificate number, must be indicated by telephone. When applying for a certificate in person, you must provide the originals of the specified documents to verify your identity.

A certificate can be issued on the basis of the following documents:

1. general civil passport of the pension recipient;
2. birth certificate, if a document on pension payments for a child is being drawn up;
3. pensioner's ID;
4. SNILS certificate.

A representative can also obtain a certificate. To do this, you need to submit a power of attorney certified by a notary office or social services. The power of attorney must contain consent to access the citizen’s personal data. In relation to minor children, the powers of the legal representative will be exercised by parents or guardians.

The form of the certificate has not been approved at the legislative level, however, the administrative regulations of the Pension Fund of the Russian Federation contain a standard form that will guide officials. The contents of the form include the following information:

• date, certificate number and place of issue;
• information about the PFR institution that issued the certificate;
• personal data of the pensioner, including year of birth and date of pension assignment;
• type of pension – labor, insurance, social, survivor, etc.;
• the current amount of the monthly payment as of the date of issue of the certificate - the amount is indicated in rubles and kopecks;
• personal signature of the official and seal of the institution.

Depending on the content of the request, other information may be included in the certificate. For example, the initial size of the pension, data on the last increase or indexation, the total amount of payments for a certain period (six months, year, etc.). Data on the components of the pension payment may also be indicated - for example, the fixed, insurance or funded part.

The pension certificate does not contain a calculation formula. To clarify this information and check the accuracy of the accruals, you need to issue another certificate. Therefore, in order to save time, you need to decide in advance on the purpose of completing the request.

Retirement

Few Russians think about how their size is determined before retiring. It is important to understand that a citizen’s well-being in old age depends on a citizen’s legal literacy in this matter.

Before we figure out how you can quickly and freely receive a Russian pension certificate in 2021, let’s look at the mechanism for a citizen’s retirement.

Before raising the retirement age in Russia, the age for retirement for men was 60 years, for women - 55. From 2021 to 2025, it is planned to raise the age for the above citizens to 65 and 63 years, respectively.

After a man turns 60 and a woman turns 55, they are required to confirm their new status with the Russian Pension Fund.

When applying for retirement, the following factors are taken into account:

1. Pension coefficient.
2. Seniority.
3. Possibility of early retirement.

The pension coefficient established for calculation reflects the right of an elderly person to receive a pension. Until 2015, only people with a coefficient greater than 30 received a pension. The size of the pension depends on the indicator: the more tax deductions for insurance of a future pension were made by the employer for its employee, the longer the employee’s experience, the higher his monthly benefit in old age will be.

Today, to receive a pension, the coefficient must be above 6.5. The annual indexation is 2.4 points. Thus, in 2018 this ratio was 25.7.

The insurance period is calculated based on the period of official work of a person - the period during which insurance contributions were made to the Pension Fund.

The following categories of citizens have the right to early retirement:

• Residents of the Far North with a minimum coefficient of 9;
• workers in hazardous industries;
• other persons specified in Art. 30 and art. 32 of Law 400-FZ of December 28, 2013

So, according to Art. 12 No. 400-FZ, pension experience includes time on sick leave and military service.

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The pension is assigned to the citizen for an indefinite period until the end of his life.

In order to become an official pensioner, you must provide the following package of documents to the Pension Fund MFC at your place of residence:

• SPV-2 form (download a blank SPV-2 form in excel, pdf or word format);
• form APV-6/1 (download a blank form of form APV-6/1 in excel, pdf or word format);.

These documents can be prepared by a human resources officer at the citizen’s place of work. The forms must be submitted no later than 10 days after receiving the employee's retirement application.

In order for HR department specialists to prepare the necessary documents for the fund, the employee must provide them with the following information:

1. Statement.
2. Passport.
3. SNILS.
4. Documents confirming your experience.
5. Documents about the period of work.
6. An extract with an individual coefficient (issued at the Pension Fund MFC).
7. Supporting documents for early retirement.
8. Original work book.

The work record book is submitted within 3 days from the date of submission of the application for establishment of a pension to the personnel service.

Question answer

Where to get a pension certificate in Moscow?

You can get a certificate about the amount of your pension in Moscow at the MFC, depending on your place of registration, or at a Sberbank branch on an extraterritorial basis. There are 104 customer services in Moscow, and in the Moscow region their number reaches 48. Such branches are open daily from 8:00 to 20:00.

Where to get a pension certificate in St. Petersburg?

You can get a certificate of the amount of your pension in St. Petersburg in more than 58 MFC centers, depending on your place of registration, or at a Sberbank branch. In any of the 18 districts of the city there is a portal of State Services, in which specialists will help you issue a certificate in the “one window” mode.

How to get it in Crimea?

Receive a certificate of the amount of pension in Crimea from the Pension Fund MFC. Currently, the Crimean authorities are developing a so-called benefit certificate as a complete alternative to a certificate. At the same time, in 2021, the procedure for processing documents is no different from the standard rules in force in Russia.

Deadlines for issuing a certificate

The certificate is issued within 10 working days after submitting all documents.

If the certificate is issued again, then this document must be issued within 2 working days .

For online requests, Pension Fund employees prepare a certificate within 5 working days .

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The longest period for obtaining a certificate is through an employer - from 10 days .

Results

Certificate SZI-6 contains complete information about the status of an individual personal account with the Pension Fund of the Russian Federation, from the start of a career to the current moment. It indicates the employers of the insured person, as well as the average monthly salary of a person in each workplace, you can see the amount of employer contributions and length of service. This information is confidential and can only be obtained independently or by transferring this right to your lawyer under a notarized power of attorney.

SZI-6 is often required to speed up obtaining a loan; it is needed to participate in government programs and is required when filing for bankruptcy. To obtain a certificate, you no longer have to contact one of the Pension Fund departments; you can order an electronic version of SZI-6 through the State Services portal at any day and time of day.

Who is entitled to a disability pension?

The pension rights of citizens of the Russian Federation are spelled out in Law No. 400, amended on December 29, 2015. Disabled people are no exception. The 9th article of the title document is dedicated to them. People with disabilities according to the type of calculation of pension payments are divided into categories:

• Recognized as disabled and assigned to a group corresponding to their health status. A citizen is required to complete at least 1 day of work experience.
• Disabled people who have no work experience. This includes disabled children and citizens who have crossed the threshold of majority and have the status of childhood disabilities.
• Citizens who have lost their ability to work as a result of performing work duties.

The latter include military personnel, WWII participants, astronauts and survivors of the siege of Leningrad and various man-made disasters. In this case, the disability pension is paid regardless of the fact of working. A person can work, but will still receive pension accruals.