How is the pension paid: month to month or month later? Payment rules

Pension payments are mandatory guaranteed to all citizens with disabilities after reaching retirement age, also in case of disability, loss of the only breadwinner, etc. Since 2013, a pension reform has been carried out, after which the procedure for calculation and payment has been changed. And starting from January 1, two years later, two federal laws “On insurance pensions” and “On funded pensions” were adopted.

After these laws were adopted, the labor pension was transformed into two parts - insurance and funded. These are two different separate types of pensions that are paid independently.

How is the pension paid: month to month or month later?

The state pension is paid to people who worked in government agencies, military personnel, veterans of the Great Patriotic War, as well as citizens who suffered from disasters (man-made or radioactive). In addition to them, such a pension is paid to citizens who do not have the ability to work and who do not have any work experience.

Important ! All other categories of the population who have work experience receive an insurance pension.

Accordingly, for persons who have the right to receive two types of pensions at once, it is possible to receive one of them to choose from. Not all categories of citizens receive two pensions at once.

There are several types of pension payments

Many people are interested in the question of how the pension is paid: month to month or a month later? We will deal with this and other nuances in the article.

When is retirement?

Most citizens whose retirement is just around the corner are looking forward to the opportunity to relax. Once the required age is reached, it is possible to receive payments regardless of whether the work experience is continued or not. You just need to collect all the necessary documents, write a special application and contact the necessary department of the Russian Pension Fund at your place of residence (main registration).

Typically, processing an application for a pension and making the necessary calculations takes up to 10 working days, after which it is already possible to find out the number and date of the corresponding payments.

As a rule, an application for a pension is processed within 10 working days

Please note that the very first pension will be paid next month after all documents have been submitted, of course, taking into account that it will also include part of the funds due from the very moment of filing the application.

The pension can only be received in person, upon presentation of a passport (the procedure for assigning payment and delivery of the pension is specified in the Federal Law of December 17, 2001 N 173-FZ (as amended on June 4, 2014, as amended on November 19, 2015) “On Labor Pensions in the Russian Federation" Federation"). To obtain an exception in this manner, it is necessary to issue a power of attorney, notarized, so that a third party receives the pension.

Important ! However, this is only possible for those who have proven their inability to receive a pension on their own.

Excerpt from Federal Law dated December 17, 2001 N 173-FZ (as amended on June 4, 2014, as amended on November 19, 2015) “On Labor Pensions in the Russian Federation”

Pension payment schedules in Russia in 2021

Moscow - for pensioners receiving funds on May 7 and 9, the deadlines have been moved to the 4th and 5th, respectively;
Vladimir - for citizens who were entitled to social benefits according to the schedule on May 9, the deadline was postponed by 1 day, that is, the funds were received on the 8th;
Voronezh - here payments for May 7 and 9, 2021 were postponed to the 5th and 8th.

When a Russian citizen reaches retirement age, allowing him to interrupt his career and retire, he must apply to the regional branch of the Pension Fund of the Russian Federation for the insurance payments due to him. Calculation and accrual of payments occurs no later than 10 working days from the date of application and submission of the required package of documents for consideration.

Where can I get my pension?

When you apply for a pension, you need to choose how the well-deserved funds will be distributed. The options may be as follows:

Post office - either in person directly at the post office or at home. When receiving funds in this way, it is necessary to withdraw money every month without skipping it, otherwise payments may be frozen; this process can be canceled only after submitting another application to the pension fund.
With the help of banks. This is the second method, which is suitable for retirees who keep up with modern technologies. They can use a plastic card. To apply for benefits, you will need to contact the branch of the selected bank and open the appropriate account there, after which you will be able to choose either a debit card or a savings book. The citizen independently sends the payment details to the pension fund. This method is convenient to use in order to cash out only the amount that is needed, accumulating funds in your account.
You can receive your pension via debit card or passbook
Third-party organizations. There are companies that can act in the same way as post offices - they deliver pension savings to the homes of retirees. A list of these can be obtained from your local pension fund office.

It is also necessary to pay attention to the fact that no matter which method of receiving money the pensioner chooses, there are no additional payments or commissions. If you need to change the method of receiving funds, you can contact your pension fund directly and write an application.

Important ! The payment will be delivered two months after such application is submitted.

Pensioners who use plastic cards can take advantage of special loyalty programs provided by some banks. In this way, you can accumulate bonuses that are deposited on the account balance (up to five percent per annum). That is, you can not only save money, but also use your pension card as a deposit without opening a deposit.

There is no fee for pension payments

Possible reasons for the delay in transferring pension to the card.

One of the key advantages of receiving money in non-cash form is that the schedule for payment of pensions to the Sberbank card is strictly observed. Transfers occur on the day the benefits are calculated in the Pension Fund. The likelihood of delays is quite low.

However, not everything depends solely on Sberbank, since financial transactions go through several stages. If your pension does not arrive on time, there may be a number of reasons for this:

The traditional date of receipt coincided with a weekend and shifted during the working period;
Technical malfunctions and interruptions in the operation of systems and equipment involved in money transfers;
An error made by employees when generating payment orders, as well as other human factors;
An error in the details or data of the recipient when drawing up and submitting an application to the Pension Fund.

Unfortunately, in case of unusual situations and the return of payment to the sender, no provision is made for informing the client. As a result, the citizen will have to clarify the reason for the delay on his own.

You can find out at what stage the money is stuck in the following sequence:

Check balance.

First of all, it is better to check the card balance, since SMS about the receipt of funds do not always reach the card owner. It can be done:

Via telephone, sending a request to number 900: Balance 1111, where 1111 is the four outer digits of the card number;
Using an ATM or Sberbank terminal;
Via the Internet in your Sberbank Online personal account;

If the funds have not arrived on the card, you must contact the bank.

Visit a Sberbank branch.

You must have your passport, card and account details with you. Through the office staff, you can clarify whether there was an attempt to transfer from the bank, check the details and find out the possible reasons for the lack of money. If an error is made on the bank’s side, it will be corrected as soon as possible and the transfer will be repeated.

Contact the Pension Fund.

If there are no errors on the bank’s side, then most likely the reason for the delay is at the Pension Fund. When visiting a branch, you must take your bank details with you and check them with the data at the government agency. In addition, the fund’s specialists will be able to check the shipments on their part, as well as make a request to the bank to find out where the transferred amounts are located.

It is worth noting that delays in benefits by more than 3 days are quite rare. If the pension payment schedule at Sberbank is violated, then it is better to find out the reason as quickly as possible and not put it off “on the back burner.”

Start of pension payments

In order to begin receiving pension benefits, you must either reach the appropriate age, or have a certain length of service, disability, or a confirmed loss of the sole breadwinner in the family. As soon as a fact has occurred confirming this right, you can approach the Pension Fund at any time convenient for you, which cannot be limited by any time limits.

The pension begins to be paid after it is assigned.

Important ! In paragraph 5 of Article 22 of the Federal Law “On Insurance Pensions” you can find a list of cases when an insurance pension is assigned even earlier than the day the pensioner applied for it.

Clause 5 of Article 22 of the Federal Law “On Insurance Pensions”

Payments are handled by the Pension Fund of the Russian Federation in the territorial office where the pensioner lives, where the necessary package of documents is submitted.

There are also several other different methods for submitting such an application:

via Russian Post;
through an electronic document;
through MFC services.

In these cases, the date of application is considered to be the date indicated on the postmark, the date of sending the application via the Internet (including when using the public services website) or the day the documents were received by MFC employees.

You can apply to the MFC to submit an application.

Important ! For military personnel and pensioners of the Ministry of Internal Affairs, pension accruals are made not by the Pension Fund, but by the department where they served.

There are also categories of citizens to whom pension payments are assigned early (before the corresponding retirement age has arrived). These are citizens who have accumulated a certain required length of service in certain jobs, and a certain list of citizens who have the right to early receipt of a pension (you should refer to Articles 30 and 32 of the law of December 28, 2013, number 400-FZ). In order for the pension to be paid on an early basis, several certain conditions will need to be met:

Required age.
Experience in certain types of work, social factors that are associated with the upbringing and birth of children, visual disabilities, military injuries and work in the Far North are also included.
You must have a certain amount of insurance experience.

The pension can be issued early

What date are pensions transferred to Sberbank cards?

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. For people in this pension category, there are some subtleties in receiving and calculating pension payments. First of all, it depends on what type of disability a person has - lifelong or verifiable. For the first category, the procedure is standard, as for working age pensioners, and the reference point is the day of the first receipt of payment.

Rules for setting the payment schedule and the amount of funds transferred

There are no legislative documents that could regulate and determine the day of the upcoming payment; this does not depend either on the desire of the citizen himself or on the time of filing the application. This date is calculated and determined by local executive bodies. The following factors are taken into account:

the total number of pension recipients for the reporting period;
specifics of regional payments;
deadlines for implementing subsidies from the federal budget to the local one.

Important ! It is imperative to take into account that when moving to another region, the pension will be accrued in accordance with the schedule at the resident’s new place.

There is an order of the Ministry of Labor (number 885 dated November 17, 2014), which states that payments of any social benefits are determined according to a specific schedule, according to which the billing period begins on the 3rd day of each month. But depending on the characteristics of the region, the further time for assigning the pension benefit is already determined.

Order of the Ministry of Labor No. 885

It is extremely important to remember that if the payment date falls on a weekend or holiday, the payment is postponed to an earlier time, which, however, should not exceed three days from the due date.

What date is the pension calculated?

If you cannot receive a long-term pension for a while, that is, if you do not receive a notification on your Sberbank card that a pension benefit has been transferred to you, you can always call the hotline. There is not a hotline for Sberbank, but a corresponding telephone number for the Russian Pension Fund. Why? Because in the end, it is the bank that is responsible for the final distribution of funds, and the Pension Fund controls the transfer of money to the If account. the recipient will receive information from the Pension Fund that your pension was transferred a few days ago - in this case, of course, you should contact the bank directly for clarification.

benefits of the same citizens who confirm their disability every year in the ITU (Social Medical Examination), the receipt of a pension after confirmation may shift according to the number of payments. That is, if you confirmed your disability last year and your pension was paid, say, on the first day, and a year later you confirmed your disability, having passed the VTEC already, on the 12th, for example, then the last pension accruals will be tied to the new date of the new year.

How does the pension payment process work?

The payments themselves are directly handled by the body that accepted the application of the pensioner who applied for the assignment of pension payments. Insurance pensions are paid by the Pension Fund branch.

The pension is paid monthly in the manner chosen by the pensioner independently. If you do not receive a pension for six months or longer, payment is suspended, and its renewal is possible only after writing the appropriate application.

If a pensioner does not receive pension payments for more than six months, they are suspended

There is a list of persons who have specific subtleties in receiving a pension:

If the pension is assigned to a child, then the parent or guardian receives it. Payments are either made to a bank account or delivered directly to your hands. When a child reaches 14 years of age, he has the right to independently withdraw his pension in any way that is convenient for him.
If a citizen is declared incompetent and placed in a specialized medical or educational institution, a trustee is not appointed (this is stipulated in Article 35 of the Civil Code of the Russian Federation). In this case, the duties of the guardian are performed by the relevant organization.
Excerpt from Article 35 of the Civil Code of the Russian Federation
For orphans or children left without parental supervision, provided they are in a specialized children's institution, the pension is paid through the transfer of funds to a personal children's account, which must be opened by the administration of the relevant institution.
There is also a special procedure for those who are being treated in psychiatric clinics or citizens who are serving sentences in prison. A special separate account for the institution is provided for them, which is opened at the bank so that these amounts can be stored there.
For pensioners who live in nursing homes, there is no special procedure for receiving payments - they are paid a pension in the same way as everyone else.

About pension

month and the remaining pension. for which guardians (trustees) not applying is considered to be the date 2021 in three months from where they spent 60 months in a row. Accordingly, their rightsIt should be remembered that the indicatorsIn the case of a complete absenceCitizens going to the nearest place of residence within six no later than receipt of this application
 not received in the
until 2021; when of minimum length of service and length of service, within a time period of months, then its Application Form for request after 12 months or from the day of month in connection with
validity period exceeds one year. Civil Code of the Russian Federation), stamp pension reform, aimed at submitting the required Pension Fund additional documents clarifying some will depend on: points required for whom the employer transferred for a well-deserved rest,
payment is suspended, and pension from this day; submission of additional documents. with his death.

the application of a pensioner upon reaching pension status has been accepted, which with a birth certificate, instead of a death certificate, all transfers of the social category of citizens are indicated to make a decision on deferment
in the work book of such organizations in deliveries or when the recipients of a social pension reach the age of 65 they must independently apply
will be equivalent to Receive a pension in a credit about the assignment of a pension. age, length of service, 2021 replaced
about adoption); can be presented during the work (paragraphs 1-5, paragraphs of your release on or a preferential clarifying certificate in your region (in
changes, you need and 60 years for disability stipulated in the application for appointment to present a passport with a notarized certificate (clause
organization is possible by Insurance pensions are paid upon establishment of disability, and with a regular paper certificate. Proof of belonging to a minority

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Which authorities handle payments?

When submitting an application, each pensioner has the right to choose a method convenient for him to deliver funds; this happens in his territorial branch of the Pension Fund. Accordingly, any organization delivering funds interacts with the Pension Fund on the basis of officially concluded agreements.

A pensioner has the right to independently choose the method of receiving a pension.

It is possible to deliver pension savings using banks, postal organizations or specialized institutions authorized to carry out such actions. It is very important that the pensioner does not pay any commission or interest for the delivery and receipt of the pension.

If a credit institution (bank) is selected, it is possible to receive money on a plastic bank card. In this case, the amount received is considered to be the amount that was transferred by the bank to the pensioner’s personal account.

Important ! When a postal structure is chosen as the receiving authority, the pension is delivered either to your home, or there is the possibility of receiving it yourself at the post office at your place of residence.

You can receive your pension at the post office at your place of residence

All other organizations that have the right and opportunity to deliver pensions are in the local territorial body of the Pension Fund. In them, funds can be delivered to your home or paid through your own cash registers.

If desired, a pensioner can independently change the method of pension delivery; then he needs to submit an application to change the organization to the required territorial body of the Pension Fund.

You can change the method of pension delivery.

Features of transferring pensions in Sberbank.

When receiving a pension from Sberbank, a number of pensioners believe that it is the bank that is responsible for the formation of payments and bears full responsibility for the accrual and transfer of funds. And, if there are any delays or interruptions in payments, they immediately rush to file a claim and initiate proceedings with Sberbank employees. However, this is a misconception. After all, in reality, the main functionality for the formation and transfer of pension payments is carried out by the Pension Fund. And Sberbank performs only the role of an intermediary, which is engaged in the “delivery” of pensions to the final recipient through transfers to plastic cards.

Thus, the monthly initialization of pensions is carried out in the Pension Fund, then the funds are received by the bank, and only then are they transferred to the clients’ pension accounts. Typically, the current sequence of financial transactions takes up to three business days.

To determine the actual date of receipt of pension funds on a Sberbank card, the following features should be taken into account:

1. Each region of Russia has its own deadlines for sending pensions;

2. In accordance with the schedule, this is the same date in each month, unless this date coincides with a weekend or holiday;

3. There is no single schedule for all pensioners, since the monthly period is calculated from the date of the first pension payment, and it is individual for each person;

4. It is possible to deviate from the set date by one to three days towards early payment, as well as with a shift towards delay. Such changes are possible due to weekends and holidays, since the banking system does not work on these days and financial transactions are impossible.

5. The deadline for pension payment is the 23rd day of each month, however, in most cases, all transfers take place on the 15th day inclusive.

What is the schedule for delivering pensions?

In order to provide better service to citizens, authorized persons draw up a special schedule for the delivery of pension funds.

For each branch of the Russian Post, a certain pension delivery period is established, according to which each individual pensioner is given a date for receiving his funds.

There is a specific pension delivery schedule

If the payment day falls on a holiday or weekend, then the money is paid in the current month, in advance, but not earlier than three days before the corresponding payment date.

Important ! Also, a pensioner can receive a pension at a later time, but it does not go beyond the delivery schedule of the post office.

To receive money through a bank, the payment procedure will be the same.

How is the pension paid a month in advance or for the past month?

The pension is issued in the first half of any month, and it is always issued for the current month. If an elderly person dies on the first of the month, then his close relatives should receive a pension for him for this month. My pension arrives on the 20th, and it’s still for the current month. No luck, it’s more convenient to receive it at the beginning of the month. And when a person dies, the relatives are not given a pension. My sister’s husband was very ill, well, everyone knew that he would die, they gave him 1st group of disability, they brought him in the fourth month, and he just died, my sister cried, asked the postwoman, she didn’t give it, she said it’s not allowed. Like this. In the Russian Federation, pensions are paid for the current month. The man has already earned this money.

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The law does not allow you to pay any other way. The law clearly states that pensions are paid for the current month. In January for January, in February for February and so on. The law does not allow paying for the last month; this can only happen if the pension is delayed.

How is a disability pension paid?

It is worth understanding what is the procedure for receiving a pension for those who have a certain disability group: many are not given it for life, and an annual examination takes place, where the group is confirmed or removed.

Many complaints arise due to the fact that many may not receive due payments during this month of confirmation for the following reasons.

As soon as the ITU carries out the examination and the pensioner comes out with a conclusion about his disability group in hand, there you can find the date of the next commission - the same information is duplicated in the Pension Fund. Accordingly, as soon as the next group confirmation deadline approaches, the fund may temporarily suspend accruals until the next confirmation documents are received.

Every year, some citizens who have been assigned a disability must undergo a medical examination

As soon as such a document is received, the funds are recalculated, and the pension is paid in exactly the same way as before. Unfortunately, this procedure can be inconvenient, especially in cases where the examination takes more months than stated (for example, if the date falls on the New Year holidays). In this case, you can consider a specific example.

The disabled person underwent re-examination on January 21, respectively, for this month he was left without pension accruals, but did not worry, since he was aware that he would receive his funds simultaneously with the February payments. However, in February, March and subsequent months the pension arrived without corresponding accruals.

But in fact, the pension was not lost: in March he received his usual March pension, say, on the 12th-13th, but he also receives the February pension for March, but after the 14th. Such overlaps happen for prosaic reasons.

Due to the time it takes to complete the examination, there may be problems with pension payments.

At the time of extension of the disability group in the Pension Fund, actions are carried out in three stages:

pension is suspended;
then it is resumed again;
and finally extended.

Important ! In this case, the exact date of the month when the medical examination was completed may play a role. examination. The money remained with the pensioner, but the plans could suffer from such actions.

What date is the pension calculated?

For those citizens who confirm their disability every year in the MSE (Medical and Social Examination), receiving a pension after confirmation may shift according to the number of payments. That is, if you confirmed your disability last year and were paid a pension, say, on the first day, and a year later you confirmed your disability by passing the VTEC already, for example, on the 12th, then the last pension accruals will be tied to the new date during the new year.

A pension, if we talk about an old-age labor pension, many call it wages for old age. At the same time, the difference in calculating a pension from calculating wages is, first of all, that the salary is calculated for the last month, which has already been worked by the employee, and the pension is calculated for the same month for which it is paid. This is the most convenient option for a pensioner who, when entering a well-deserved retirement, does not have to take a month-long break. It is impossible to compare workers and pensioners, if only because those receiving a salary must work for a month to confirm their skills.

Receiving a pension by another person by proxy

Many different methods for delivering pension funds make it possible to choose the most appropriate method of receiving funds. However, there are situations when circumstances do not allow a pensioner to receive his money on his own. Then it is possible to issue a power of attorney to another person who will be authorized to receive the pension.

Such a power of attorney can be issued by a notary for money or certified free of charge. The pensioner himself applies for the issuance of this power of attorney.

Example of a power of attorney to receive a pension

It is also possible to have the document certified free of charge by the organization where the pensioner works, undergoes training or is undergoing treatment.

Important ! In the case where the term is not indicated on the power of attorney, it is assumed that it was issued for a year; accordingly, the authorized person can receive pension funds for a year.

If the period is specified for more than a year, then the funds are paid throughout the entire specified period, but annually confirmation of the fact of registration at the place of receipt from the pensioner will be required.

You will have to issue a new power of attorney every year.

Monthly pension calculation

17. Delivery of pensions by the territorial body of the Pension Fund of the Russian Federation and other organizations delivering pensions is carried out in compliance with the requirements provided for by these Rules.

24. Payment of the pension is restored in the manner specified in paragraph 2 of Article 22 of the Law of December 17, 2021, based on the application of the pensioner and the necessary documents attached to it confirming the required circumstances.

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What to do if your place of residence has changed?

When changing the place of residence, the payment of pension funds is carried out at the new place where the pensioner lives. It is necessary to send a notice to the territorial office of the Pension Fund.

Accordingly, a request for a pension payment file will be required in connection with moving to a new place of residence - this document contains all the information that will be needed for the pensioner and Pension Fund employees at the new place of residence (for example, this may be relevant if recalculation will be required).

When a pensioner moves, the payment file will be sent to the Pension Fund branch at the new place of residence

An example is the following situation:

A pensioner leaves the city of Saratov for Moscow for permanent residence. Previously, pension funds were transferred to a bank card, which was opened at the Sberbank branch at the place of previous residence in Saratov.

To receive a pension, you must contact the Pension Fund branch at your new place of residence (in Moscow) and notify them of your move. Employees of the Pension Fund in Moscow will send a special request within one working day after the application, from which they will receive a payment (pension) file no later than three working days. The pensioner must present a passport with a mark of registration at the new place of residence.

After the pension payment case is received, within two days an order is issued to register the pensioner, and the pension payment is extended.

Accordingly, the pensioner also has the right to change the method of delivery of the pension by submitting a special written notification to the territorial body of the Pension Fund in Moscow.

When moving, you can change the method of pension delivery

Important ! If a pensioner moves for permanent residence to another country, a different procedure is used.

From what date and on what date is the pension calculated?

Good to know! Payments may be suspended if the pensioner does not receive a pension for 0.5 years. But in order to renew, you need to contact the Pension Fund again and write a corresponding application.

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Why do citizens need to recalculate, i.e. contact the new Pension Fund at your place of residence and write a corresponding application. You can go the other way and make a request by mail to the old pension fund so that it sends all the documentation to the new pension fund by registered mail or to the recipient’s address.

Receiving pension savings after the death of a pensioner

In order to receive payment of the uncollected pension amount after the death of a pensioner, you must contact the pension fund body where the payment was made. The amount that should have been paid in the current month, as well as funds not received due to death in that month, are paid. They are transferred to trusted persons (namely close relatives, the list of which is in the relevant legislative acts - Article 26, Part 3.4, No. 400-FZ) who lived together with the citizen on the day of his death.

When a citizen dies, close relatives can receive a pension for him

In the case when several relatives apply for this unpaid part of the pension at once, the specified amount is divided equally between them.

In order to receive a deceased person's pension, you must provide the following documents:

death certificate;
certificate of family composition;
documents that can confirm family relationships;
the applicant's civil passport.

Important ! It is possible to apply for the unreceived part of the pension only within six months from the date of death of the pensioner, otherwise the amount received becomes an inheritance and is inherited on a general basis.

If the pension was not received by close relatives, it becomes inherited (excerpt from Article 26 No. 400-FZ)

The pension is paid in advance or for the past month

Lawyer's comment: Paragraph 1 of this article defines the basic rule for the payment and delivery of pensions - payment of accrued pension amounts, including their delivery, is made for the current calendar month. Thus, the legislator establishes a general rule according to which pension amounts are calculated by the territorial body of the Pension Fund for the current month, i.e. in real time. In this case, the payment (transfer) and delivery of the pension to the pensioner must also be made within the current month. The accrual and payment of pensions in advance (i.e. for a future period) are not provided for, except in cases specified in Article 24 of the Pension Law. Activities for the delivery of pensions to pensioners are carried out by organizations delivering pensions, in compliance with the requirements for the timing of pension delivery. When determining the amount of pensions to be paid to family members or heirs of a deceased pensioner in accordance with paragraph 3 of Article 23, the legislator proceeded from the fact that in the current month during the life of the pensioner the pension amounts were accrued, but were not received by him in the specified month due to the death of the pensioner . The wording of paragraph 3 of Article 23 differs from the similar rule that existed in the previous pension legislation (Law No. 340-1 of November 20, 1990).

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How to find out when your pension is due? First of all, in the regional department of the Pension Fund of Russia. But all pensioners know what it’s like to first stand in line with a dispatcher to find out and make an appointment (and an appointment with a specialist may be scheduled for the next week), and then another line with a specialist.