Can a disabled person receive the funded part of a pension?

The pension system in Russia involves three types of pensions - state, insurance and funded.

Moreover, the latter was introduced in 2002, but still few citizens of the Russian Federation know about it in sufficient detail.

Even among pension recipients, very few know that the funded part can be received in the form of a lump sum payment , naturally, if the pensioner meets the necessary criteria and conditions, which will be discussed in this article.

Is it possible to pick up

The funded part is formed gradually and begins to be paid together with the insurance part. A citizen will not be able to take it away before retirement , but he is able to retire earlier.

Mandatory conditions for accrual are:

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• age;
• insurance experience more than 15 years ;
• individual coefficient from 30 .

If a citizen does not have work experience, then he is paid a social pension.

To start receiving payments before the established age, you must meet one of the following conditions:

Receiving pension savings ahead of schedule

Since the funded part of the pension is, in fact, compulsory pension insurance contributions, a citizen does not have the right to receive it “in hand” before he retires. For most Russians, pension payments become available upon reaching the age of 60 for men and 55 for women.

However, Federal Law-400 in Art. 30 and 32 indicate several categories of citizens who have the right to receive pension benefits earlier. These include:

• Teaching staff
• People who worked in the medical field.
• Residents of the Far North.
• Railway workers.
• Pilots and crew members of aircraft.
• Geologists.

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How to receive a funded pension all at once

This is possible only if there is no savings account.

A one-time payment is available to the following persons:

• if there are savings in the amount of less than 5% of the amount of the insurance part;
• the recipient is assigned a disability pension due to the loss of a breadwinner;
• for those whose funds were formed through contributions in accordance with the co-financing program or using maternity capital.

To receive a one-time payment, a citizen must prepare the necessary documents confirming the basis for receiving funds in one payment and submit them to the NPF. The application review period is one month, based on the results of which a decision is made whether to grant the application or refuse it.

When applying to the pension fund, a citizen must take with him the following list of documents:

Sample work book

Sample passport of a citizen of the Russian Federation

The petition statement must be drawn up in accordance with the structure:

• name of the PF;
• applicant details;
• Account number;
• a list of pension types that are assigned to a citizen;
• employment mark;
• date of preparation and signature of the applicant.

After a decision is made to approve the request, the citizen will have to wait another month to receive funds in a convenient way.

How is it formed

Only persons with a date of birth before 1967 who began their working activity no later than 2014 can count on a funded pension. Others who do not fall under this requirement can form the amount through voluntary transfers.

Five years are allocated for making a decision from the date of payment of the first insurance transfer. This period can be extended only if the citizen is not yet 23 years .

Additional sources of formation:

• amounts from co-financing savings;
• money from maternity capital;
• investing accumulated funds;
• voluntary insurance contributions;
• voluntary contributions from the employer.

To find out the amount that is already in the account, you need to go to the Pension Fund branch, where you need to confirm your identity. Access to information is available only to the insured person who is the owner of the wallet.

How the pension system works in Russia

How are pension savings formed?

Our future pension consists of various sources. Investments made by the citizen himself play a significant role in it. Citizens born before 1967 can dispose of one part of their pension. As of today, the employer contributes 22% of the salary to the Pension Fund towards the employee’s future pension. This payment is divided into three parts:

• 6% goes to payments to those Russians who receive a pension today (this is the so-called solidarity part). The state can spend this part on the needs provided for by pension legislation.
• 10% goes to insurance benefits. This is the pension that will be paid to the employee upon reaching retirement age.
• 6% can be invested by a citizen at his discretion. This part goes to the NPF and is stored there. In addition, the NPF, at its discretion, invests this money in investment projects. Thus, the question of whether it is possible to receive the funded part of the pension before retirement concerns precisely this money.

Russians born before 1966 receive all 16% of their pension in the form of an insurance benefit and cannot dispose of it.

What's better

Advantages of the savings part:

• funds can be inherited;
• contributions become points that can be used to pay benefits to current retirees;
• the amount is stored in the citizen’s personal account, to which only the owner has access;
• indexation is not available, but it can be increased by investing in the financial market.

If a person uses NPF, then he does not have to worry about his funds. In case of loss of the license, all savings will be transferred to the Pension Fund without taking into account the income from their investment.

The cumulative amount has its own nuances:

• when forming, the amount of contributions for the insurance part is reduced due to the need to divide the funds received (for this reason, the number of pension points will be reduced);
• at any time, a citizen can refuse contributions while preserving already accumulated funds that can be invested;
• in 2021 there is a moratorium on contributions.

Types of payments of pension savings funds

Example

The amount of the funded pension is 10% , which is why the lump sum payment is replaced by monthly accruals.

Types of payments

Federal Law No. 424 establishes the following types:

• Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the website.
• All cases are very individual and depend on many factors. Basic information does not guarantee a solution to your specific problems.

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Lump sum funded pension: how to get the whole amount and not part of the savings?

The problem of rational use of pension savings worries every employed citizen. Many people have heard that it is possible to receive the accumulated pension at a time. However, who has the opportunity for such manipulations and how to receive the funded part of the pension at a time remains a confusing question.

Methods and terms of payment of the funded part of the pension

Payment of the funded part of the pension in 2021 to pensioners is made in the following ways:

• By transfer to a bank account using pre-specified details;
• Via postal transfer to the address of the pensioner’s place of residence;
• Through the cash desk of a non-state fund in cash (not all non-state pension funds provide this method of payment).

The payment period depends on the organization that makes it, and can be up to 1 month for non-state funds and up to 2 months for the Pension Fund.

Legal interpretation of a lump sum payment to pensioners from the funded part of the pension

The concept of a funded part of a pension was introduced in 2002. According to the legislator, the reforms made to the pension system should have significantly increased the level of well-being of people of the corresponding age. However, Russian realities turned out to be such that another radical restructuring of the existing technology for calculating pensions was required. If previously all payments made in the name of a citizen were accumulated into the accumulated part, then in 2015 they began to be differentiated into savings and insurance components.

There are a number of differences between them, but the most important are the following. The savings component is deposited in the employee’s accounts and is not indexed in any way. Its increase occurs only through periodic financial injections from the employer or through self-financing by the citizen of his future pension.

Unlike the savings part, the insurance component is not only subject to indexation, it is possible to manage these funds and significantly increase them. The increase in funds occurs due to smart investments.

Knowing this specificity of pension calculations and taking into account the influence of the inflation factor, some citizens are wondering whether it is possible to receive the funded part of the pension at a time.

What the letter of the law says about how to receive a lump sum portion of a pension

All aspects of manipulating the funded part of the pension are stipulated at the highest legislative level. The regulatory framework that determines the legality of performing actions with savings is:

1. Federal Law No. 360 “On the procedure for accruing funds” dated November 30, 2011.
2. Federal Law No. 424 “On funded pensions” dated December 28, 2013.

Legislative bodies provide citizens with the right to choose in the matter of forming the funded part of their pension. Everyone has the right to refuse it and completely transfer all assets to the insurance block. The principle of legal succession applies to pension savings of citizens, i.e. upon the death of the owner of a personal account before his retirement, the right to the transfers made passes to the closest relatives (for example, receiving a pension for a deceased relative).

Is it possible to receive savings early - conditions and options

An increasing number of people are interested in whether it is possible to withdraw their funded portion of their pension before retirement. The funded part of the pension is 6% of all transfers to the Pension Fund . A special account for such funds is opened for each person. Also, insured persons can make contributions both from maternity capital funds and under the state co-financing program. You can find out more about who can receive NPP and when from our article.

Anyone can apply for their funded pension early. This is stated in the current legislation. As practice shows, in reality this opportunity can be used only in some cases, observing the following conditions.

• 
  Citizens whose retirement age will occur no later than in 2 years.

• A person retiring must be officially unemployed and registered with the employment center.
• A person who wishes to receive early retirement due to health reasons. To do this, you need to provide a medical report confirming a particular disease that serves as an obstacle to performing your professional duties.
• The person must have work experience. For men it should be 25 years, and women can count on pension accruals after 20 years of work.

Let's take a closer look at specific questions that come up most often.

How to withdraw from NPF?

In accordance with Federal Law No. 424, savings funds are payments of insurance contributions by employers for their employees. If a person is not yet a pensioner or his savings are stored in a non-state pension fund, then he can receive them ahead of schedule . To receive such transfers, you need to contact the Non-State Pension Fund at your place of registration and write an application, attaching all the necessary documents. As a rule, the procedure for payments to a non-state pension fund is established by the organization itself in the following cases. You can find out how a working pensioner can receive the funded part of their pension here.

1. In case of death of the insured person. Legal successors, that is, children and other close relatives of a person’s savings, if a pension has been established but not yet paid, and also before payments from pension savings are established.
2. For people who hold state and municipal positions, accruals of this type are calculated a little differently. The expected period of payments is reduced by the sum of months for the period from the day when the person is of the age that provides the basis for the insurance part of the old-age pension until the day he reaches retirement age for civil servants.

• applications for payment of the funded part of a pension to a non-state pension fund
• applications for payment of the funded part of a pension to a non-state pension fund

Is a one-time withdrawal possible if the account owner is not yet a pensioner?

When it comes to the funded part of payments, you should know that it exists only for those citizens who were born before 1967. Certain groups of citizens can receive one-time funds .

• People whose funded portion of payments is less than 5%.
• Disabled people of groups I, II and III.
• Persons who have lost their breadwinner.
• Citizens who receive a pension under the state welfare program.

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These categories of people have the right to receive their savings early. You can learn more about payments of the funded part of the pension from this article.

Is it possible to withdraw in parts if you are not yet a pensioner?

It happens that situations arise that require early assignment of transfers from the fund or withdrawal of funds in parts. For individual insurance cases, you need to submit documents that would confirm the extraordinary situation.

• Receiving disability. According to clause 1, part 4 of the Federal Law “On the procedure for financing payments from pension savings” dated November 30, 2011 N 360-FZ, disabled people of groups I, II or III can count on their cash pension savings ahead of schedule.
• If a family has lost its only breadwinner, then it has the right to count on part of the payments if the breadwinner worked at least one day in his life and the employer made tax contributions for him. If the breadwinner was a military personnel or astronaut, then the family can also receive partial payments. This also applies to victims of man-made and radiation disasters.

Payment procedure. Is it possible to receive the funded part of the pension at a time?

According to federal acts, after reaching the required retirement age, citizens have access to previously made savings. There are three ways to get your savings:

• in the form of regular payments;
• in the form of a series of fixed payments on a fixed-term basis;
• one-time compensation.

Who is entitled to a lump sum payment of the funded part of the pension?

State regulations define a list of citizens who are entitled to a one-time payment of the funded part of the pension. Retired persons receive the right to return part of the contributions made to the Pension Fund, but only after 5 years and later. This opportunity is available to:

• citizens employed in the period from 2001 to 2004 (but only from 1957 to 1966);
• close first-degree relatives of a person who died before retirement and had savings in the form of the funded part of the pension;
• women who transferred maternity capital to supplement their pensions;
• citizens with a meager amount of savings (less than 5% of the insurance component);
• people younger than 1966, simultaneously forming both parts of the pension;
• participants in the state pension co-financing program;
• persons receiving social benefits from the state (by group, survivor) or persons with an insufficient number of points or years of work experience.

It should be noted that if a person has previously received a lump sum payment from the funded part of the pension, then he is automatically temporarily deleted from the list of those who are paid the funded part of the pension in a lump sum.

The moment of formation of the right to return existing savings is considered to be retirement. Moreover, the person who did it ahead of schedule retains it. To start the process, you need to write an application for a one-time payment of the funded part of the pension. You can download the established application form on the official website of the pension fund.

The application is sent to the place of direct storage of savings. A citizen can find out the fate of his funds within one calendar year only once. In the year of retirement, it is advisable to do this before submitting the application. You can find out about the name and place of storage of savings in one of the following ways:

• on-line through the public services portal;
• by contacting the regional branch of the fund;
• by visiting the nearest branch of the MFC.

There you can also get advice on how to receive a lump sum payment of a funded pension. When applying, both personal contact and actions under a notarized power of attorney are possible.

How to receive a one-time payment of a funded pension from the Pension Fund of the Russian Federation in 2021

To receive a lump sum payment from the funded part of the pension, a number of certificates will be required. These include:

• identification;
• application for withdrawal of savings;
• pensioner's certificate;
• SNILS;
• details for transfer.

Pension fund specialists reserve the right to require additional evidence if necessary to calculate payments. When registering the funded and insurance components of a pension at the same time, a work book and other evidence confirming the fact of the citizen’s employment are presented.

In terms of deadlines, the law establishes the following time frames:

• the deadline for pensioners to submit an application is not defined;
• On the part of the fund administration, the decision is made within 10 weekdays.

Regarding the waiting time for payments, different deadlines apply. Once approval is received, you will have to wait about 2 months for your savings to be transferred.

One-time payment of a funded pension to a non-state pension fund

The peculiarity of the functioning of non-state pension funds is that they pursue the main goal of making a profit. Because of this, they invest their clients’ pension assets in projects with varying returns. Often, the profitability of non-state structures exceeds the performance of the Pension Fund by an order of magnitude. Plus, in commercial structures the element of bureaucracy is minimized, which significantly increases the flexibility of the organization and allows it to place greater emphasis on increasing available resources.

Non-state pension funds are subject to mandatory control. It is carried out by such structures as:

• Central Bank;
• Tax Service;
• Accounts Chamber;
• Federal Service for Financial Market Control and a number of other structures.

In view of this, in general, the work of commercial funds remains reliable and efficient. This is supported by the fact that the state has set a limit regarding the use of resources concentrated in them. NPFs cannot withdraw more than 15% of available assets for their own needs, while the Pension Fund has the right to spend at least all the funds accumulated in its accounts.

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There are no special recommendations regarding how to receive a lump sum funded pension from a non-state pension fund, because... the process is completely identical to the issuing algorithm existing in the Pension Fund. Is it worth thinking about long-term retirement at all?

What types of funded pensions exist?

Pension savings of citizens are formed mainly through regular contributions by the employer of special cash contributions to the Pension Fund of Russia. These deductions are not included in the employee’s salary (unlike personal income tax, the rate of which is 13% of the salary) and are made by organizations from their own funds, while their amount is still tied to the amount of the employee’s salary.

Important! If a citizen has the status of an individual entrepreneur in accordance with the procedure established by law, then the need to make contributions to the Pension Fund falls directly on him.

Contributions can be used to form both an insurance and funded pension. Their differences lie in the fact that the insurance pension, in essence, is a compensatory payment that previously working citizens can count on due to loss of ability to work. The savings account is formed solely upon the fact of transfers to the Pension Fund, having a specific monetary value.

It is important to understand how the future pension is formed. The total amount of insurance premiums is 22% of the employee’s salary.

There are also additional deductions that are mandatory , but they apply only to workers performing labor functions in hazardous industries.

If a citizen has chosen only an insurance pension as a form of his future security, then an amount of 16% of his salary is sent directly to it, and 6% is the so-called solidary tariff.

For funded pensions, the situation is similar, only 10% goes to the insurance part, and from the remaining 6% it is formed. Not everyone can take advantage of the right to form a pension of this type, but only those persons who were registered in the social pension insurance system after 2002.

These include:

• citizens born before 1967;
• participants in the pilot program of so-called pension co-financing;
• women who decided to send capital funds to insurance accounts.

The savings portion payments themselves are of three types.

Indefinite

It is assumed that this type of pension will be paid to the citizen throughout his life. Of course, it is impossible to predict in advance how long a particular citizen will live after retirement, so the payment period is calculated solely on the basis of average statistical information about life expectancy.

For example, in 2021 it was 246 months. This means that in order to clarify the amount of pension paid monthly, the total amount of savings should be divided by the number of monthly periods as a whole.

Attention! If a citizen decides to receive an indefinite pension later than the grounds for this, then its amount will be higher.

It should be noted that the amount of this type of social payment is subject to periodic adjustment, which occurs once a year in August.

Urgent

This procedure for paying a funded pension assumes that it will be paid over a certain period chosen by the pensioner himself. It is legally stipulated that the period of urgent payments cannot be less than 10 years.

Many pensioners choose this form of exercising their right to receive a funded pension. This is due to the fact that they receive much larger amounts each month than if they had opted for perpetual payments.

One-time

It is possible to receive the entire funded part of the pension at once, but this does not apply to all categories of pensioners.

Procedure for receiving a lump sum pension payment

If the applicant for a one-time payment provides the entire package of necessary certificates, then the fund’s employees will have no grounds for refusal. After receiving approval, the person will need to choose how he plans to receive his funded pension all at once. It could be:

• bank transfer to a card or current account;
• delivery by Russian Post;
• via courier service.

Moreover, in the last two cases, it is possible to receive the transfer at the supplier’s cash desk or at the recipient’s address.

Every citizen has the right, after receiving compensation, to make a second request to the Pension Fund with the same appeal, but not earlier than after 5 years.

Theoretically, a situation is possible when the applicant is refused payment. First of all, it is necessary to find out the reason and, if it turns out to be unlawful, appeal the decision of the PF administration in court.

Partial receipt of a funded pension?

In the legislation, there are two ways to obtain NPs in parts. And such methods are called monthly allowance and urgent deductions.

With a monthly increase, the amount of the NC is divided into 19 years (average), and with urgent payments, the NC is paid over 10 years.

At the same time, to divide the LF into 10 years, a number of conditions must be met, such as:

• the citizen or his management makes additional contributions to SNILS, for example, under the Co-financing program;
• availability of mat capital in the account.

NC pension contributions in 2021 are frozen. These funds are used to pay pensions to existing pensioners. However, citizens of retirement age retain the right to receive savings early. But in what situations can you receive a funded pension at a time? Read more in our material.

What questions are Pension Fund employees afraid of? Be sure to ask them

Summary:

Hello, dear readers!

I have a special relationship with the Pension Fund; for a long time I tried to get the pension I was entitled to, but at first they counted me almost 4 thousand rubles less than what was due. Now, having studied a lot of information, I want my knowledge and experience to be useful to others. And today I wanted to write about those questions that Pension Fund employees are afraid of like fire and really don’t like to answer. But they must be asked and a proper answer must be demanded.

Why such a small pension after calculation?

This is the most popular question. It arose for me immediately when I initially found out the size of my pension. With 36 years of experience, I was given a pension of 9,689 rubles! And this despite the fact that my salary was quite normal. Only then did I achieve the real amount of payments, in the end I now receive 13507. That is. They wanted to deceive me of almost 4,000 rubles. And if I hadn’t asked this question and looked into it, they probably would have continued to pay. And judging by conversations with PF employees, they don’t really like to count and refuse to do it under all sorts of pretexts. Because of this, you have to independently search for the truth and prove that there were errors in the calculations.

How to receive a funded pension?

I remember when they started introducing funded pensions in our country, they advertised it like this. The government promised so many things, encouraging us to make contributions to this type of pension. But what now? And now she's frozen. And it turns out that the state is not averse to using this money. And if you ask the Pension Fund about these savings, the employees react especially irritably to this. Apparently they don’t really want to pay out what they managed to accumulate during the time when such deductions were made. By the way, I once received my savings portion in the amount of 12 thousand rubles. And I received them for six months; I had to rewrite the application twice.

How to recalculate a pension or receive the pension of a deceased spouse?

In such a situation, Pension Fund employees really do not like to provide unnecessary information, hoping that people do not know their rights and will not contact them. After all, if such a question comes, then you need to count again, recalculate, prepare answers, and so on. But as a result of recalculation, the size of the pension may increase and then you will have to “blush” in front of your superiors for previous mistakes. And no one wants to pay more, including our beloved Pension Fund.

These questions are very inconvenient, but they always need to be asked and until you get an answer, don’t even think about letting it all go. Get your way. Believe me, it works and you can achieve the truth, I know from my own experience.

How to withdraw the funded part of your pension

When a person has worked all his life and paid pension contributions, he has the right to withdraw the funded part of the pension. Let’s take a closer look at what the funded part of a pension is and what methods you can use to withdraw these funds.

The funded part represents a certain portion of the pension that can be received after reaching a certain age. This share is formed through savings in the pension fund, to which funds were transferred when the person worked. Each person has a personal pension account, which is replenished with each contribution while working. Let's consider whether it is possible to withdraw these funds at one time before retirement age and all the nuances in this regard.

Of course, not every person is concerned about the funded part of their pension capital. In most cases, people simply do not know about the existence of such a share or do not understand how they can manage it. Not everyone knows that a person can manage a certain part of their pension independently, since the pension of a citizen of the Russian Federation consists of two parts: funded and insurance. It is the accumulative share that can be used. Most often, transfer to pension funds that are not owned by the state, but have licenses.

Is it possible to withdraw the entire amount of savings?

Most citizens of pre-retirement and retirement age plan to withdraw the funded part of their pension (hereinafter referred to as PF) one-time. But not all persons can do this.

So today, LF can be obtained in one of the following ways (Federal Law No. 360):

1. monthly increase;
2. urgent payment;
3. one-time refund;
4. one-time payment to the relatives of the deceased insured person.

Let's talk in more detail about the possibility of a one-time payment to NC . So, to receive the full amount at once you need to meet one of the following criteria:

1. The size of the NC is 5% of the total amount of pension contributions. In this case, the year of birth among the male population should be 1953-1966, and among the female population – 1957-1966.
2. The citizen has one of the categories of disability.
3. A survivor's pension was previously assigned.

How to calculate a survivor's pension.

4. Pensioners who do not have the required length of service and individual coefficient upon reaching the appropriate age.
5. Persons participating in the Co-financing program. Moreover, such persons made the first contribution under this program to their personal account. Registration for the program is currently not possible.
6. The following employees can count on one-time payments:
   teachers;
7. municipal employees;
8. military;
9. health workers;
10. railway workers;
11. geologists;
12. miners;
13. persons caring for disabled people. The full list of preferential positions is enshrined in Federal Law-400 (Federal Law) dated December 28, 2013.
14. Workers of the Far North.

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In addition, NC pension contributions can be inherited in the event of the death of the insured person. When concluding an agreement with a NPF (non-state pension fund), a citizen can independently indicate in the agreement the heirs who have the right to claim savings. If the funds are concentrated in the Pension Fund (PFR), then you need to submit an application to this fund, in which possible heirs will be registered.

If the heirs are not specified, then the amount is divided in equal shares between the applicants. First of all, children (natural and adopted), spouses, parents of the deceased person can apply for NP, and only then brothers, grandchildren, and grandfathers.

In addition, payments to heirs are made subject to the following conditions:

• LF was not installed.
• The citizen received urgent payments.
• The LF has been calculated, but has never been paid.

If the savings were paid at least once (for an indefinite assignment), then the remaining funds are not compensated to the heirs of the deceased citizen.

Freezing savings

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The federal budget does not have enough financial resources to pay pensions for current pensioners, so the authorities decided to use citizens' savings to pay off pension debt.

As a result, in 2021, LF continues to be in a frozen state. However, every citizen should know the following:

1. This freeze does not affect pension rights.
2. The savings system continues to exist.
3. Funds in the NC are converted into points, which are taken into account when determining future pension payments.

One-time withdrawal

Since the pension consists of two parts, funded and insurance, it is worth considering their differences. The insurance share is credited directly to the Pension Fund and is used to pay pensioners who are currently receiving benefits. Contribution payers are awarded points that will affect the amount of benefits when they reach the required age. The cumulative share is 6% and is immediately considered the person’s personal funds. Let us consider this part of pension contributions, since these funds can be obtained at will. All employers are required to pay these funds for each employee.

But it’s worth knowing that since 2014, the authorities have “frozen” this share and all contributions go directly to the insurance share, that is, to pay social benefits to current pensioners. But if a person paid pension contributions before 2014, then he has the right to his savings savings, which legally belong to him and lie in his pension account.

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If a person was in a hurry and transferred this part to a non-state pension fund with a good reputation, then it is even possible to increase the amount, since such an investment is an investment that earns interest on the invested amount. If the non-state pension fund was chosen less successfully, then there will be no profit, but the person will not suffer a loss, but will remain with his money.

Payment methods

To streamline the deduction process, you can use the auto-payment service, which can be configured through the personal account of a non-state pension fund. To do this, you must have an open bank card and register in the NPF online system or gain access in the mobile application.

If you have access to Sberbank Online, you can top up your account by transferring contributions from your card remotely.

To participate in the formation of capital, contributing it in parts according to the schedule and terms of the agreement with the NPF. You can deposit funds in cash by contacting a Sber branch.

To ensure control over the process of depositing and crediting paid funds, it is recommended to obtain access to your personal account and monitor the process of forming pension personal capital.

When can a person receive a funded share?

This part of the pension is paid monthly, starting from the moment the person reaches the appropriate age and retires. This is the legal order. That is, a person receives an increase in the insurance pension, which is due upon reaching retirement age. But let’s look at the question that interests many: how to receive this share in the form of a lump sum payment. The answer is written in Article 360-FZ and lies in the fact that every person who has reached a certain age has the right to receive a funded share that he paid into the pension fund for a certain amount of time. You can receive the required funds in several ways:

• as a one-time benefit, but only to those who do not work;
• as monthly payments as part of an insurance pension;
• in the form of a funded pension.

There are a number of exceptions that will allow a person to receive their contributions in a lump sum and not be tied to reaching the required age. Such people include disabled people of all groups, heirs and people who have lost their breadwinner. The size of the lump sum payment is directly related to how much money was credited to the personal account at the time of withdrawal.

Classification of payments of the funded part:

There are the following types of payments of the funded part.

One-time

A citizen can receive his entire funded part of the pension at a time.
But this payment is not available to all categories of retired persons. The main condition for receiving it is reaching retirement age. Currently it is 60.5 years for men and 55.5 years for women.

Also, to receive the full amount on a one-time basis, it is required that the applicant:

• There were no pension points required to receive a pension.
• A person who was a recipient of survivor benefits or has a disability group established.
• The size of the funded part is less than 5% of the insurance pension.
• If the owner of the savings portion has died, then these funds can be received at a time by his heirs, who must enter into the inheritance within 6 months from the date of death.

If a pensioner works, then this type of payment is not available to him. Thus, there is no legal way for a working citizen to receive a funded pension all at once.

Urgent

With this type, the pensioner can receive his pension in installments over a certain period, which is set by him. However, according to the law, this period cannot be less than 10 years.

Statistics show that pensioners choose this particular payment option, since the amount of the monthly supplement to the pension in the form of part of the funded part is greater than in the unlimited option.

Indefinite

A pensioner may apply to receive an indefinite supplement to his pension in the form of a funded payment.

In this situation, the total amount of funds accumulated in the pension account is divided by the coefficient established by the state. The latter is revised annually and in 2021 it is 252 months.

Ways to receive a savings share

Disabled people of all groups, as well as persons who have lost their breadwinner, can receive full payment. Payment can be received immediately after the appointment of insurance payments for disability or loss of a breadwinner. This option is possible in cases where, at the time of reaching retirement age, a disabled person does not have a sufficient amount of insurance experience or the size of the individual pension payment coefficient is less than necessary to receive insurance pension payments. If a person has previously written an application for a funded financial payment, then it is impossible to receive one-time assistance.

In order to fully receive one-time assistance, which consists of a funded share, you need to write an application sent to the territorial body of the Pension Fund of Russia, which is located at the person’s place of residence. It is to this organization that all income from the employer should be credited. The application can be found on the Internet by entering “appendix to the order of the Ministry of Labor of Russia”, which is valid from 07/03/2012, number 12n. Filling out this application is not difficult.

• To do this, you need to enter all the necessary information, namely:
• complete data about the person;
• passport data;
• the address where the person lives;
• savings account information;
• if a person does not defend his rights himself, then he must indicate all the information about the representative;
• how the person wishes to receive benefits;
• Details to which the benefit must be sent.

In addition to the application, you must provide a number of documents that will confirm your right to receive this payment. All necessary documents can be brought in person or sent by mail, or you can send an email with scanned documents and an application with a personal signature.

This is done through your personal account on the official website of the pension fund, after registering on the Unified Services Portal website and entering the data of the required documents translated into electronic format.

After the relevant authority receives the package of necessary documents with the application, a receipt notification is issued about the acceptance and registration of the application. The pension fund can make a decision no longer than thirty days, after which the application can be approved or rejected. If the decision is made in favor of the applicant, then the funds are transferred to the current account specified in the application. When submitting an application to the Pension Fund, payments arrive no later than sixty days from the date of the decision, when submitting to a non-state pension fund no later than thirty days.

PFR and NPF

Before submitting a request to receive NP, the insured person must remember where the savings are located.

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To do this, it is enough to make a written request to the Pension Fund. Based on the results of the data obtained, you need to contact exactly the organization where the NP is located. In this case, there can be only two options - Pension Fund or Non-State Pension Fund.

To receive NC pension payments, the insured person must provide the organization with a list of documents, which are specified in the previous chapter of this article.