NPF "Lukoil Garant": how to receive the funded part of the pension, what is required for this, who is eligible

In connection with the reorganization of JSC NPF LUKOIL-GARANT, JSC NPF Electric Power Industry and JSC NPF RGS in the form of merger of JSC NPF Electric Power Industry and JSC NPF RGS to JSC NPF LUKOIL-GARANT, see the current information on the official website: https://www.lukoil-garant.ru/.

NPF Lukoil-Garant is one of the leading funds in the country. Over 20 years of operation, the fund has shown not only high reliability indicators, but also a stable level of profitability. Read this article for more details right now.

General characteristics of Lukoil-Garant

The non-state pension fund Lukoil-Garant (hereinafter referred to as NPF LG) was formed in 1994. NPF LG is a fund that has always been a leader in managing pension savings in the country.

Let us highlight the basic characteristics of the fund in the form of the following table:

Indicator name	results
Number of clients	3.3 million
Number of persons receiving payments from NPFs	70,000 people
Hotline number	8 800 200 5 999
Main office address	Moscow, st. Gilyarovsky, house 39, building 3
Asset volume	100 billion rubles
Assessment by the rating agency "Expert RA"	A++
Cumulative return	134%
Number of branches	75 cities
Official site	www.lukoil-garant.ru

What does the personal account of NPF "Lukoil Garant" include?

For effective remote collaboration and data management, the service offers a wide range of functions:

• Conclude an NGO agreement.
• Update personal information online - .
• Confirm that the data is unchanged - https://www.lukoil-garant.ru/personal/services/renewal/esia/.
• Create a request for copies of documents - https://www.lukoil-garant.ru/support/faq/common-questions/document-request/.
• Edit contact and passport details.
• Receive information about savings in NPF Lukoil Garant.
• Calculate how much pension payment you need to receive to implement your plans.
• Receive statements about the amount of your funded pension.
• Use the calculator to calculate and predict payments.
• Communicate with consultants of NPF Lukoil Garant, receive information support in any questions.
• Submit an application for pension payments.
• Pay contributions under the agreement - https://www.lukoil-garant.ru/personal/non-governmental/pension-contributions/

Important: the first 5 points are only available for your personal account in advanced mode.

It is not difficult to expand the capabilities of the LC NPF "Lukoil Garant": to do this, you need to confirm your mobile phone number during registration. If this is not done, only the basic functions specified from the “Receive information about savings” item and below will be available. To perform other operations, you will need to visit the branch in person.

Fund rating

In order to assess the overall rating of NPF LG, you need to analyze the main characteristics of the fund, which will be discussed below:

1. High reliability - despite the crisis of 2008 and 2014, the fund was able to maintain high reliability indicators after assessment by the rating agencies Expert RA and NRA (national rating agency).
2. Positive customer reviews – you will rarely find negative reviews about the work of this company on the Internet, since NPF carefully prepares its staff for high-quality work with potential clients.
3. NPF LG is among the 10 best NPFs in the country.

The volume of pension reserves is 18 million rubles.

1. Stable level of profitability - for every 1000 rubles of savings, NPF LG provides double income - up to 2000 rubles. For more detailed profitability indicators, read the next section of this material.

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Customer reviews of NPF "Lukoil Garant"

Below you can read real reviews of cooperation with the non-state pension fund Lukoil Garant.

Nikolai . For me, the main criterion that determines whether a fund is suitable for me or not is reliability. And NPF Lukoil Garant in this regard is the best that exists in this area. It has been working for quite a long time, and, judging by the reports, it is stable. The people have a lot of trust in this Fund; it manages something like 250 billion rubles. And here the accrual system is transparent, everything is clear, you can always see how much has been added and for what period.

Tatiana . When I was thinking about where to leave the Pension Fund, I scoured the Internet looking for information about different pension funds. And then I came across reviews about NPF Lukoil Garant, some of them mentioned the rating of the Rating Agency. I decided to check - and indeed, the AAA level of this NPF. I was satisfied with such reliability, so I went to look at the insurance conditions. And everything is great! Not only is it reliable, but the income is high, and this is a guarantee that I will have a good pension. In general, it’s been 5 years since I moved to Lukoil Garant and I don’t regret it one bit.

Svetlana . I chose Lukoil Garant and I am calm about my future. I am sure that under no circumstances will I lose my savings, because this NPF is part of the rights guarantee system. In short, I will receive my pension in full, even if this organization goes bankrupt. Although I don’t believe in any ruin: the company has been operating for many years and has a high level of trust from the state.

Egor . I switched to this NPF more than five years ago and have never regretted my choice until now. From my personal account on the website, I track how my savings are increasing and see that they not only keep up with inflation, but are also ahead of it. In general, the profitability was consistently high throughout the entire time of my cooperation with Lukoil Garant. In general, I recommend this NPF to everyone!

Alexander . I joined NPF Lukoil Garant in 2007, just before the 2008 crisis. And you know, it hit when, at first I tensed up, I thought that this year and the next would be a failure, and I wouldn’t get an increase in my savings (or I would get it, but a meager one). But in reality everything worked out. Yes, 2008 was not a very good year, but then my increase from year to year was very pleasant. I don’t regret choosing this fund and would happily recommend it to others!

How to access your personal account?

Citizens who have signed an agreement with NPF LG have the right to register in the “ Personal Account ” tab on the website: lk.lukoil-garant.ru.

To register on the site, you need to complete the following steps:

1. Click on the link: https://lk.lukoil-garant.ru/?mode4=CheckForm.
2. Provide the following information:
   FULL NAME;
3. Date of Birth;
4. SNILS;
5. passport details;
6. contact number;
7. Email.

1. Indicate the code that was sent to the client’s phone or email.
2. To get advice, you can click the “ Help ” button, where the most common list of problem situations is recorded.

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Let's highlight the main advantages of registration:

• control over the increase in pension savings;
• Allowed to ask questions online;
• clarification of the size of the funded share of the pension;
• you can order an extract;
• presence of a function – pension calculator.

Registration in your Personal Account

As soon as you become a client of the fund, you need to register in the Guarantor’s personal account on the website. To do this, follow the instructions:

• Go to the website https://www.lukoil-garant.ru.
• In the top panel, click on the “Lock” icon. A registration field will open for you.
• Enter your passport data or SNILS, as well as your date of birth, into the form.
• The system will search. After the program detects you in the client database (only fund members can create a personal account), you will be asked to enter your email address.
• You will receive a notification of registration completion with your personal account password to the specified e-mail.

Next, to enter your personal account of NPF "Lukoil Garant" on the official website, you will use the SNILS number and password that the system will send you as your login. It is important to note that the latter cannot be restored. If you forget it or enter it incorrectly more than 4 times, your personal account is blocked. To restore the functioning of the service and gain full access, you will need to register again.

How to terminate an agreement with Lukoil-Garant?

To terminate the contract with NPF LG, you need to do the following:

1. Choose another company in which the insured person’s savings will be stored. A citizen has the right to choose another NPF or return the funds to the Pension Fund.
2. Submit an application to the Pension Fund. The maximum period for transfer is until 31.12. current year. The form should indicate the NPF or Pension Fund to which the accumulated funds are transferred.
3. Personal or electronic application to the new NPF, if the citizen does not plan to leave funds in VEB, which is under the control of the Pension Fund. You need to have your passport and SNILS with you.
4. Receive notification of the transfer of a funded pension to a new fund.

When terminating an agreement with NPF LG, a citizen is not obliged to notify the fund about the decision made, since the document can be liquidated unilaterally!

Upon termination of the contractual relationship, the client may incur certain losses, for example the following:

• Profit from the invested funds will be received for an incomplete reporting period, so it is recommended to transfer savings no more than once every five years .
• When transferring funds to the Pension Fund, 13% of the amount of pension income received will be withdrawn from the client’s account.
• The costs of transferring capital to another fund are borne by the applicant.

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Lukoil Garant: how to receive the funded part of the pension in this NPF

As you know, the non-state fund we are considering in this article belongs to the category of the largest organizations that citizens can entrust with the formation of their future financial capital.

The retirement age will be constantly raised, with six months being added to it every year.

If you have chosen Lukoil Garant and entrusted your future to it, when you reach retirement age, you can apply for payments to its employees. Let us remind you that for the current year 2021 the age threshold for retirement is :

• 55.5 years for women;
• 60.5 years for men.

Gradually, this age threshold will increase in connection with the recent pension reform, however, we should not forget that those categories of citizens who had the right to early termination of their working life can still take advantage of it. In this case, the payment will be made from the pension savings of other persons (with subsequent compensation to these persons for their funds).

You can track everything that happens to your savings directly on the official website of the NPF in question. So, by registering on it after signing an agreement with the organization, you will get access to your personal account, in which at any time you can:

• monitor the increase in the volume of funds deposited into your own account;
• consult with Lukoil Garant employees online;
• receive detailed statements containing data on the movement of funds in the account;
• use a pension calculator to determine the final amount received.

The number of Lukoil-Garant clients today totals 3.3 million people

This year, the number of citizens who decided to become clients of the fund amounted to more than three million people, while 70 thousand of them are already using the accumulated money.

When can you receive funds from NPF Lukoil Garant?

So, first of all, it is worth saying that interaction with NPFs and Pension Funds within the framework of the formation and use of funded content is no different . Therefore, according to the Federal legislation of our country, it is possible to receive the funds that interest us today if the following circumstances occur:

• when the funded part of the pension is less than 5% of the insurance content.
• provided that the citizen was assigned an insurance-type pension due to the death of his breadwinner or his becoming disabled.
• upon reaching a certain age threshold (55.5 years for women, 60.5 years for men).

If we have figured out the specific point of receiving funds, let’s next consider who can take advantage of this opportunity and collaborate with Lukoil-Garant .

Who has the right to receive a pension from the NPF in question?

The possibility of receiving a funded pension in general is also established at the legislative level. Thus, according to the regulations in force in our country, the following persons may be recipients of savings category funds.

Both citizens with Russian citizenship and citizens belonging to other states can receive funded pension funds

1. Citizens who have Russian citizenship, who actually have financial accruals, which are recorded in a pension account.
2. Foreigners who permanently reside in Russia, provided they have a document that gives them the right to have pension savings.

Where to go to receive cash payments

So, you already know that your funds are directly in the non-state pension fund, which is the hero of our article. You can find out the address of the fund on the Internet.

To receive money, go to the address you found and check with the specialists working on site about the conditions for receiving the funded part of the pension you have formed.

The organization's staff will provide you with a complete list of conditions.

Please note: According to the law, the NPF has the right to establish additional rules that, for example, would not exist in the Pension Fund of Russia.

Observing all the conditions, submit an application to Lukoil-Garant and wait the legal 10 days that the company has for consideration. After this period, a decision will be made.

If the circumstances are positive, the fund will notify you that the funds will be transferred to you in the preferred way, that is, specified in the agreement and application in advance.

Documents must be prepared according to the rules if you want to receive funds into your account

Remember: if you filled out some documents incorrectly, you will be denied payment of funds. The papers will be returned to you, and it will be possible to resume the process of receiving a pension only after the mistakes made earlier have been corrected .

What documents will be required to achieve your goal?

So, in order to avoid mistakes and immediately receive the payments due to you, you need to take care in advance of collecting and completing papers that will prove your right to receive funds and ensure a smooth transfer process.

So, here's what we'll need to prepare before going to the pension fund.

1. The main document of a citizen of the Russian Federation, proving his identity.

2. Provided that the submission of papers is carried out through a proxy, it is also necessary to submit:

• identity card of the desired citizen;
• a notarized power of attorney in his name.

3. Papers that will confirm the work experience of the person receiving the pension, if he receives pension accruals:

• due to a health condition characterized by disability;
• through state support payments;
• due to the loss of a person who was the breadwinner of this citizen.

4. You also need to provide papers that will confirm that the subject has the right to pay an insurance pension if the value of the funded part is less than 5%.

Becoming a client of Lukoil-Garant is profitable

5. Documents that are designed to help determine the amount of the insurance part of the pension.

Please note: documents can only be provided in their original form, although notarized copies are also accepted for consideration. If you have already transferred the papers to a non-state pension fund, they are not required to be submitted again.

If you decide to send papers by mail, rather than transfer them to the NPF in person, we advise you to still have the copies certified by a notary , and send them exactly, since otherwise you may have difficulties if these documents have to be provided to another organization

Deadlines for receiving payments

The non-state pension fund will have approximately 10 days from the moment you submit your application and package of documents to make a decision. However, if a citizen is forced to send documents by mail, in this case you will have to wait an additional period, because the mail still must reach the organization waiting to receive it.

10 days after the start of consideration of your case, a decision will be made to assign you financial support payments. After it is issued, you will receive a notification that will specify the following nuances:

• number of cash payments;
• the state of the cash account at the time of registration of the disbursement of funds.

You can send documents to the NPF in various ways

If you applied to receive the entire amount at once, then your NPF has not 10 days, but as many as 60 days to make a positive decision. Provided that everything is in order, you will receive the money in one of the following ways:

• by postal transfer to the Russian Post office located at your place of residence;
• by transfer to the cash desk of a company that is authorized to deliver pension payments;
• to citizens who are incapacitated, the pension will be transferred personally;
• It is also possible to transfer funds directly to a bank account.

If a citizen retains the financial resources of pension savings, they can be added to a one-time transfer. We are talking about such means as:

• previously received investment income;
• co-financing contributions;
• insurance premiums;
• family capital, etc.

All subsequent transfers will be saved in the pension account of the future retiree. Every year, NPFs have until the 1st day of July to transfer the balance of funds . Provided that the transfer application is submitted to the NPF later, then the money will begin to be transferred in the next annual period.

Repeated applications for funds are possible only within five subsequent years.

Please note: according to Federal law, citizens who have received a lump sum payment of funds can apply for payments again only after five years have passed after this event .

Steps to receive the funded part of your pension from NPF "Lukoil-Garant"

So, let’s briefly summarize everything that we discussed with you in this article in the following step-by-step list of actions that you will need to take in order to become a recipient of a pension and NPF Lukoil-Garant.

The registration procedure will be standard, similar to that of the State Pension Fund. You will need to follow these steps in sequence.

Table 1. What steps will need to be taken to achieve our goal

Step number	Step description
№1	Visit to NPF "Lukoil-Garant".
№2	Filling out an application for payment of the funded part of the pension.
№3	Collection of documents determining your right to payments and transfer of these papers to the Pension Fund.
№4	Receive notification that your application has been submitted for review.
№ 5	Receive pension accruals in a way you have previously chosen.

To receive your pension, follow a few important steps

Remember that if you, for example, decide to send papers by mail, or transfer them through a proxy, the number of steps indicated above will increase, since, for example, in the first case you will need to make notarized copies and send them by mail, and in the second, register the right of representation for a specific person also with a notary.

Reviews

Most clients are satisfied with the work of NPF LG. There are several reasons for positive reviews:

• High level of trust – A++ (the highest trust from clients) – this fund receives positive feedback from clients.
• High and stable level of reliability and profitability.
• Availability of an agreement that specifies all the features of cooperation.
• A large number of branches throughout the country.
• Pension payments are made exactly on time, without delays.

But there are a number of disadvantages:

• lack of notification when transferring the funded part to the NPF LG;
• slow work of fund employees;
• failures when working in your personal account;
• lack of up-to-date information on the fund's work.

NPF LG is a stable, dynamically prosperous company. The NPF was able to withstand all the economic downturns that occurred in the country. Therefore, this fund can be trusted . To obtain reliable facts, study this material at any convenient time.