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How pensions are calculated: new rules and calculation formulas. When a pension is paid in Russia: the procedure and regulations for calculating benefits How many years a pension is paid

At the end of working days, many people think about what the current procedure for paying pensions is. It should be noted that the pension system in the Russian Federation is one of the most dynamic, as it is constantly undergoing some kind of reformation. First of all, it is necessary to understand what the pension itself represents. And only then determine how exactly it is assigned and paid.

Basic rules for pension payments

Pension - a state-guaranteed monthly allowance for disabled persons who have reached the age established by law: generally established or preferential. In the presence of the required experience - insurance or service.

In 2013-2015 pension reform was carried out, aimed at modernizing the rules for calculating and paying labor benefits. As a result, post-work payments were transformed into insurance and. They act as separate types of pensions and are paid independently.

Social pensions

The state provides for the following social payments:

When
In the absence of a minimum level

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State pensions

Allocate also benefits OPS (insurance and funded) and state security.

The following are entitled to state pensions:

federal civil servants;
military personnel, participants / ;
victims of radiation and man-made disasters;
disabled without the required work experience.

The rest, who have the required, are paid insurance social benefits. Persons with the right to receive maintenance on 2 grounds will be able to receive 1 of them to choose from. Some Russians have the right to receive 2 benefits at the same time.

Conditions for receiving payments

The right to social security arises in the following cases:

when surviving to the required age;
length of service;
the appearance of a disability;
loss of breadwinners.

Attention! After the corresponding rights have arisen, you can apply for the appointment of payments at any time. This request is not limited in time.

Where to apply for payment

Pension payments are initiated immediately after the award of benefits, that is, from the moment you apply for it. The insurance benefit may be granted earlier than the day of application in the situations listed in the law.

Social security is assigned and paid by the PF at the place of residence of the pensioner. The prospective applicant should submit a written application with the relevant documentation attached. It is served in a standard way - in person. And the day of the appeal is considered the period of receipt of this application.

There are other ways to apply:

postage;
transmission in electronic form;
direction through the MFC.

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In all of the above situations, the day of application is the date fixed on the postal stamp, or the date the application was submitted via the Internet connection, including the public services portal or the date the application was received by the MFC employees.

Attention! For military pensioners and retired employees of the Ministry of Internal Affairs, post-labor payments are assigned and paid not by the PF bodies, but by the special departments in which they served - the Ministry of Defense and the Ministry of Internal Affairs of Russia.

Early retirement

For some citizens, benefits are assigned and paid before the due date, that is, without reaching the retirement age (60/55 years). Such persons include citizens who have the necessary special experience and citizens who have the right to a preferential pension according to social criteria.

The following criteria must be met in order to be eligible for benefits before the due date:

Reaching the required age limit.
Availability for certain types of activities.
Social grounds related to:
- the birth / upbringing of children;
- visual disability and due to military injuries;
- living or working in the North.
Availability of the required insurance experience.

The procedure for paying social security

The payment of social maintenance payments is made by the pension body that accepted the application for his appointment. Insurance payments are issued by the territorial divisions of the Pension Fund at the place of residence of the pensioner. Pensioners receive money every month for the current period in the way they choose.

Attention! If a pensioner has not received a pension within six months, then its payment is suspended. To resume payments, you will need to write a new application to the PF.

Pension payments to certain categories of citizens

There are certain special conditions for obtaining a pension for individual citizens:

If the recipient is a child, then one of his parents or an authorized guardian actually receives the pension for him. The money is credited to the bank account of the mentioned persons or handed over to them when choosing home delivery. A 14-year-old child has partial legal capacity, therefore, he can receive his funds independently in any way convenient for him.
Pensions are not assigned to incapacitated persons placed in educational and medical institutions, therefore, these organizations have their powers.
Pension for an orphan child and a child left without parental attention, who is in a children's social institution, pensions are paid by transferring money to the child's personal account opened by the administration of the children's institution.
Special payment rules have been established for people who are being treated in mental institutions, and citizens serving sentences in places of deprivation of liberty. Their pension payments are transferred to a separate bank account.
Pensioners living in a social service organization (nursing homes) receive benefits in the generally established manner.

Who pays pensions

The option of delivering benefits and the organizations that deliver them are chosen by the pensioner independently by submitting an application to the territorial divisions of the Pension Fund. Organizations delivering benefits cooperate with them on the basis of agreements concluded with them.

Attention! A trusted person can also receive a pension if there is an appropriate power of attorney.

Social Security amounts are delivered through:

Credit institutions (banks).

You can receive benefits in credit organizations through the cash desks of these organizations or through a issued bank card. Money credited to the pensioner's bank account is considered received.

Important! From the pensioner himself, delivery fees and commissions in credit organizations are not charged.

Postal organizations.

When money is delivered by mail, the pension is delivered to the home or received by the pensioner personally at the post offices at the place of residence.

Other organizations.

Advice! A complete list of organizations can be found in the territorial divisions of the PF. These organizations deliver benefits at home or give out money through their cash desk.

What should the citizen be informed about?

In some cases, a pensioner may receive a pension earlier or later than the set day according to the schedule. For example, if the standard date for receiving a pension coincided with a holiday or weekend. Most often, pensioners are faced with such a postponement in January, May, etc.

The pension payment schedule also depends on, since each region sets its own individual delivery schedule.

Procedure for payment and delivery of pension

After achieving and obtaining the right to enter a well-deserved rest, a citizen can apply for the appointment of a pension due to him at the branch of the Pension Fund of the Russian Federation. Establishment of pension payments occurs within 10 days after the emergence of the right to it and the submission of documents.

The pensioner has every right on one's own choose the method of receiving a pension and the organization that will carry out the delivery. For example:

home delivery;
to a bank account or bank card;
independently at the cash desk of the selected delivery organization (for example, at the post office).

Depending on the specified method, the Pension Fund of the Russian Federation will set a specific day on which the pension will be delivered monthly.

Methods of delivery of pension payments

The pensioner can choose delivery method pensions. They can be delivered three ways:

Through the post office(Post office). In this way, funds can be delivered directly to the house where the pensioner lives, or they can receive them independently at the post office at the place of registration. If for some reason they do not come for a pension within six months, the payment is suspended, and in order to resume it will be necessary to write an application to the territorial branch of the PFR.
To bank account. Cash can be received personally at the cash desk of a bank branch, or you can get a bank card with which you can withdraw a pension through an ATM. When choosing this method, you can accumulate funds and withdraw them at any time, regardless of the date of their transfer, and no commission will be charged.
Through an organization that delivers pensions. This method includes both home delivery and self-collection of funds. The list of such organizations is established by the territorial branch of the Pension Fund.

If desired, you can change the method or the organization itself that delivers payments. To do this, inform the Pension Fund office of your decision in writing.

Pension payment schedule - what is it and why is it needed

The accrual of pension funds is carried out according to a certain schedule - pension payment schedule. According to Order No. 885n dated November 17, 2014, the beginning of the pension delivery period is set from the third day of the current month, and already within this period, a specific date for the payment of funds is set for each pensioner.

In the event that the date of receipt of the pension falls on holidays or weekends, delivery may be rescheduled for an earlier date, but not earlier than three days before the due date according to the schedule and only in the current month.

Many pensioners want to know the exact term for accruing funds, since in most cases the size of the pension is not sufficient for a decent existence, and therefore pensioners need to calculate their expenses and income in advance.

How is the date of receipt of the pension determined?

Within the framework of the delivery period of the pension, its recipients are assigned the day of payment, however, the appointed date does not depend on wishes pensioner. The establishment of the day for the transfer of pension funds and the schedule for its delivery is not regulated by law, but depends on several factors:

the total number of current pensioners;
administrative-territorial specifics of the region;
financing of pension payments and other factors.

If any of these factors change, the Pension Fund may change the delivery date. At the same time, he is obliged to notify the pensioner about the change in the schedule and to inform the new delivery date.

The date of receipt of the pension is set by the pensioner at her appointment. To clarify this date, you can contact the Pension Fund department at the place of residence, presenting your passport or other identification document.

If a pensioner has chosen to receive a pension to a bank account or bank card, the payment can be received ahead of schedule.

Delivery schedule of pensions for different regions

Different regions of the Russian Federation establish their own schedule for the delivery of pensions, as well as the rules for postponing the payment of pensions in connection with holidays and days off.

To get acquainted with the exact data on the pension delivery schedule, you must contact the territorial body of the Pension Fund at the place of residence - in person or by calling the reference numbers.
If a pensioner receives a pension at the post office, it is enough to go to the post office, where the schedule will be posted on the bulletin board.

Usually, delivery schedules are posted on the regional websites of the Pension Fund and the post office, where anyone with Internet skills can familiarize themselves with them.

The funded part of the pension is called the money, which consists of the transfers of the citizen's employer, as well as from the profit received from their investment. The funded part is monthly from the moment the citizen retires. The main distinguishing feature of the funded part is the ability to invest funds deposited into a citizen’s personal account in profitable projects.

In addition, this part of pension savings can be at the disposal of any management company chosen by the citizen, while insurance pension contributions are mandatory under the jurisdiction of the Pension Fund of the Russian Federation or Vneshtorgbank.

The total amount of monthly deductions from the employee's salary (we are talking about officially employed citizens) is 22%, of which 6% go at his request to the formation of the funded part.

A citizen can refuse such a scheme and send all 22% of the transfers from the payment of his labor to the insurance pension.

Now it’s worth figuring out where and how pensioners can get the funded part in 2020.

Conditions for the payment of the funded part of the pension in 2020

In 2020, citizens who have reached retirement age are entitled to receive the funded part of their pension based on the provisions of the Law of November 30, 2011 N 360-FZ, Art. No. 2.

This article stipulates that a pensioner has the right to receive:

all accumulated funds in full at a time;
monthly fixed-term pension payments;
funded pension;
at a time, all accumulated on the account of the deceased pensioner to the persons who are listed by him in the Will.

Citizens can legally receive pension savings only in the form of a lump sum and only if they are disabled, 2 or 3 groups.

In the second case, a lump-sum payment of pension savings is provided in connection with the loss of a breadwinner (Article No. 4, Law of November 30, 2011 N 360-FZ).

The amount of the lump-sum payment depends on the actual state of the pensioner's savings available on his personal account on the day from which the lump-sum payment is assigned to him.

Pensioners who continue to work after retirement age cannot receive a lump sum payment.

What is Term Pension Payment?

An urgent pension is paid to a citizen on a monthly basis during the period of time for which he was insured, however, this period cannot be less than ten years. Citizens can count on receiving such pension payments after they stop working and retire for old age (if a citizen retired early for any reason, he also received this payment).

An urgent pension payment is accrued to those citizens who participated in the state co-financing program, while:

additional financial resources could be transferred by them personally;
additional funds could come from the organization for which the employee worked;
additional amounts for co-financing could come from the state;
accrued at the expense of profit from investments;
additional funds (or part of them) were received as a result of the transfer of maternity capital to the formation of the funded part, as well as from the profit received from investing these funds in projects that generate additional income.

An employee who has formed the funded part of his pension in the following ways, has the opportunity, upon reaching retirement age, or other circumstances under which he retired early, to receive accumulated pension funds:

in the form of an urgent payment, which will be paid to him every calendar month for the entire period personally determined by him, it is possible to set the period for paying this type of pension for at least ten years;
or as payments that he will receive until his death.

In the event of the death of a person receiving a fixed-term pension, the balance of funds accumulated by him is entitled to be received by the heir indicated in his will.

In the event that the funded part was formed on the basis of the transfer of maternity capital to the mother’s pension account, as well as in the event of her death, the father of the child or her minor children have the right to receive the balance of funds (if the child is a full-time department of the university, the deadline for receiving the balance of the funded pension is postponed until they reach the age of 23 inclusive).

How is the amount of the funded pension calculated?

The amount of the monthly funded part paid to citizens is calculated based on the provisions of existing legislation, according to the following formula:

amount of monthly payments \u003d MO / T.

From this formula, it becomes clear that the funded pension for citizens of retirement age is obtained from the PV (accumulated funds in their personal account, actually available on the date from which the funded pension payments will be made) divided by T - this is the expected period of payments.

Up to and including December 31, 2015, T is the expected payment period of 19 years or 228 calendar months.

Calculation example

For example, a citizen of the Russian Federation, Ivan Ivanovich, has 350,000 rubles on his personal account by the date of his actual retirement due to the onset of retirement age. The duration of the period for the payment of a funded pension to him, according to the norms and adjustments obtained on the basis of statistical data, in 2019 was determined at 20 and a half years, which is 246 calendar months.

This is the real period during which citizens receive a pension. Starting January 1, 2018, adjustments are made annually.

Suppose that Ivan Ivanovich expressed a desire to receive this payment not from the moment of retirement age, but after a year, so the accumulated amount should be divided not by 234 months, but by 222. Thus, if Ivan Ivanovich began to receive the funded part, then its amount was equal to 1495 rubles, and in the case when he postpones its receipt for 12 months, the monthly payment will be 1576 rubles.

According to existing legislation, citizens can reduce the period of monthly payment of the funded part only up to 60 calendar months. Thus, the number of years during which the payment of funded pensions to these persons will be planned will be 14 and a half years (or 174 calendar months).

The procedure for receiving the funded part of the pension by a pensioner

There are no special difficulties and any obstacles for the payment of the funded part of the pension to a citizen. To do this, a person who has reached retirement age may apply to the management company that has the relevant part of the pension funds at its disposal.

To find out exactly where the cumulative pension contributions are at the time of retirement, a citizen can once a year by contacting the nearest branch of the Pension Fund of the Russian Federation, as well as at the local MFC or using the Internet portal of public services.

In the event that the funds are administered by the State Pension Fund, then the citizen must contact the PFRF branch, at the place of residence or temporary registration.

Citizens also have the right to submit an application for this type of payment through a person legally representing the interests of a pensioner or by mail. This form of submitting an application is provided for people who, due to their health, cannot move independently and visiting public organizations is a certain difficulty for them.

The following documents are required to apply for a funded pension:

passport of a retired citizen;
an application filled out according to the existing model;
SNILS.

In the event that the old-age insurance pension is issued simultaneously with the funded pension, the following must also be attached:

an application for an old-age insurance pension;
work book and certificates confirming the work experience of a citizen.

After the application is received by the Pension Fund of the Russian Federation, the decision on the appointment or refusal, on the payment of the funded part to the citizen must be made within 10 working days.

This type of pension is paid simultaneously with the insurance. There is no strict regulation of the terms during which pensioners must apply for the appointment of payments to them, from the side of the Law and the state.

Due to the death of a citizen, only his wife or children can inherit the rest of his funded part, if there are none, then other relatives (brother, sister, and so on) can become heirs.

Changes in funded pensions in 2020

As the PFRF officially announced, in 2020 the previous procedure for accruing, processing and paying the funded part to pensioners was left.

As you know, in 2015 the procedure for the formation and accumulation of the funded part was frozen. And at the moment the funded pension program is not working in full.

The main change in 2020 is that working pensioners will have to make a choice, continue to work and receive only their wages, or retire and receive pension payments.

Retirement will be based on points earned.

Question answer

Question: I applied to the PFRF for the first time, my name is Sergey Aleksandrovich Lopatin, at the moment I am 46 years old. Of course, it is still quite a long way to reach retirement age, but it seems to me that it is worth thinking about retirement now.

I know that for this I need to accumulate more points. I read that, in addition to the insurance pension, there is also a funded pension, is it possible to increase the amount of monthly pension payments with its help?

Answer: Good afternoon, Sergey Alexandrovich. The longer you continue to work, the higher your pension will be.

However, at the same time, you must understand that we are talking only about those places of work where you work officially and your employer transfers funds to the PFRF budget on a monthly basis. If you are, then, accordingly, the amount of your salary cannot in any way affect the number of points you have accumulated, on the basis of which your pension will be calculated.

Regarding the funded pension, you quite rightly noted that it is a separate indicator that does not depend on the points system. According to the Law, you can start receiving this part later by postponing the payment period from 1 year to 5 years.

Thus, you can increase the amount of your monthly payment.

You can learn everything about insurance and funded pensions from the video.

In contact with

In chapter Social security law to the question From what moment does the payment of labor pension begin? ? TELL. given by the author Rokula the best answer is Article 19

1. A labor pension (part of an old-age labor pension) is assigned from the date of applying for the specified pension (for the specified part of the labor old-age pension), with the exception of cases provided for in paragraphs 4 and 4.1 of this article, but in all cases not earlier than from the date of occurrence the right to the specified pension (the specified part of the old-age labor pension).

2. The day of applying for a labor pension (part of an old-age labor pension) is the day when the body responsible for providing pensions receives the relevant application with all the necessary documents. If the specified application is sent by mail and all the necessary documents are attached to it, then the day of applying for a labor pension (part of the old-age labor pension) is the date indicated on the postmark of the federal postal organization at the place of sending this application.

3. In the event that not all the necessary documents are attached to the application, the body providing pensions shall give the person who applied for a labor pension an explanation of which documents he must submit additionally. If such documents are submitted no later than three months from the date of receipt of the relevant explanation, the day of applying for a labor pension (part of the labor old-age pension) is considered the day of receipt of an application for the appointment of a labor pension (part of the labor old-age pension) or the date indicated on the postal stamp of the organization of the federal postal service at the place of departure of this application.

From the practice of working in the Pension Fund, I know that if there is a right, but there are no documents, documents for the appointment of a pension are accepted, but within 3 months the documents can be completed. Therefore, if the right was on January 1, then the documents could not be accepted. Most likely, in this situation, the pensioner and the Pension Fund have different ideas about the date of the onset of the right to a pension. Of course, the pension will be paid from the date of its appointment, that is, from the date of application (provided that it (the date) was right). If a person believes that he has had the right since January 1 and can confirm the fact of his application for a pension, then on this occasion you can go to court so that the Pension is obliged to assign a pension from the date of the initial application for it. Well, as for the fact that documents can be submitted six months in advance, this is, to put it mildly, an exaggeration, since from practice, documents can be accepted no earlier than a month before the right comes. You can, yes, perhaps, you need to apply for a consultation with documents in advance, at least six months, at least a year, at least two, so that later you do not rush about in search of the necessary documents.

original source Work in the bodies of the Pension Fund of the Russian Federation, Federal Law of December 17, 2001 No. N 173-FZ On labor pensions in the Russian Federation"

I describe the harsh truth of life, and someone who had a not entirely successful experience. If someone was once in the wrong place at the wrong time, this does not mean at all that it is the same everywhere. The law on labor pensions is federal and uniformly applied throughout the country. And if something happens somewhere that is not as prescribed by law, then this is not a rule at all, but an exception.

Mom issued a pension, a certificate of this was issued on December 30 (there are no forms of certificates in the Pension Fund yet), when should we expect the receipt of a pension on a bank card? Personal experience preferred.

my mother applied in May and it was decided that the pension would be transferred to the card. by this moment, the card was ready, but the pension was still not transferred.

as we were explained, this is due to the execution of some papers there. in the end, the pension began to be transferred after three months, with one month spent on filing an application and all sorts of paperwork.

the pension began to be transferred only in September, but for all the previous months of waiting, they were also transferred. money was listed there for June, July, August and, of course, September.

as they told me, the pension should be transferred after you reach retirement age, and if you receive it, as soon as you submit an application and complete all the paperwork, the pension will be transferred for the entire time of waiting and this red tape from the moment you turn 55 years old. like so.

The size of the pension, which is accrued according to the length of service for older people, directly depends on the length of service of the employee and on the type of work (for example, former military men receive a larger amount of benefits). There are many nuances associated with receiving this payment. For example, not everyone knows when a pension is paid. Let's look at how the procedure is performed, and what is the amount of the pension for the first month and beyond.

According to the Labor Code of the Russian Federation, a person of retirement age has the same right to official employment as middle-aged people, that is, old age cannot be the cause of any harassment at work. We remind you that in Russia, retirement is possible for men from the age of 63, and for women - from 58.

It is worth noting that an elderly person may not notify his employer in advance of his dismissal, and he is not required to work 14 days.

The amount of salaries at retirement depends on the type of dismissal:

The payment of benefits is carried out by the body that accepted the application from the person for the appointment of a pension. Usually this is a Pension Fund in a certain region of the country. Financial support from the state is received by the pensioner on a monthly basis on a specific date, which is appointed by the FIU.

Depending on who will receive the pension, there are certain conditions for calculating benefits:

A pensioner has the right to receive a pension in the most convenient way for him from the following:

Through a banking institution. To receive funds in this way, a person needs to go to the branch of the bank with which he wants to cooperate and draw up a card. Money will be credited to it without a commission, as this is a targeted replenishment. In the future, they can be withdrawn at an ATM, or paid with a card at retail outlets and stores;
Through the Russian Post. Receiving funds in this way always occurs with a slight delay: a day or two later than when credited to the card. This is because home delivery does not take place immediately after retirement benefits arrive in the mail.

If for some reason a pensioner is not satisfied with one of these methods of receiving funds, he can always change it. To do this, it is enough to submit an application and attach to it a certificate of the assigned pension to the Pension Fund of Russia, located in the region of residence.

The schedule for receiving the payment must be further specified in the territorial division of the Pension Fund of your city, since the date of payment may differ.

Also, this moment depends on the method of delivery of funds:

If the method of receiving money is a bank card, then the pension is credited instantly to the account immediately after entering the bank from the Pension Fund, after which the person can use the finances;
When delivering benefits by mail, the payment schedule should be clarified at the department of the institution. There, as a rule, a fixed day is set for payment, but there may be delays of up to three days, according to the legislation of the Russian Federation.

It should be borne in mind that if the day of receiving benefits falls on a holiday or weekend, the money may be allocated a day or two earlier than set.

Power of attorney for pension

A power of attorney is a notarized document that entitles a third party to receive payment for a pensioner. As a rule, it is issued by a notary public for a fee.

The document is necessary if the pensioner who is assigned the allowance cannot receive it for some reason, for example:

Disability;
Serious illness;
Absence on the territory of the Russian Federation;

Any citizen of Russia can receive money by proxy: it does not matter whether he is a relative of a pensioner or not.

To draw up a document, you need to contact the notary office at the place of residence. It is necessary that two parties be present: the principal and the trustee.

The document contains the following information:

Full name of the trustee and the principal;
The validity period of the document;

Do you need a retirement pension for servicemen? See here.

Payment upon change of residence

Each citizen receiving pension benefits is tied to the territorial division of the Pension Fund in his city. Therefore, if he changes his place in the registration, he needs to notify the Pension Fund about this.

At the same time, the method of receiving funds does not matter: even if the money is credited to a bank card, information about the new place of residence must still be transferred to the PF.

This is done in this way:

With a passport, he will go to the Pension Fund at the new place of registration. There you need to write an application for moving;

When is a pension paid after the death of a pensioner?

If, due to the death of a pensioner, unreceived money remains (for example, for the current month when the death of a citizen occurred), relatives who lived in the same living space with him will be able to receive funds. If there are several close people, the amount of the unreceived pension is divided into several equal parts between all relatives.

To receive funds, you need to contact the territorial division of the PF of the city with the following documents:

Information about the composition of the family;

To whom and on what date the funded part of the pension is paid

The funded pension is a part of the labor pension, which is formed on the basis of the citizen's pension savings.

You can receive this payment:

To apply for the pension savings of a deceased relative, you need to contact the Pension Fund with the following documents:

Copy of the applicant's passport;

From January 1, 2015, the reform of pension accrual came into force in Russia, according to which the amount of benefits is now affected by:

Seniority;
The amount of wages. The average figure for the last worked year before retirement is calculated;
The age of the person at the time of applying for pension savings.

The longer the length of service of a person and the amount of wages, the greater the amount of benefits he will receive.

Do you need a procedure for delivering a pension to your home by Russian post cash on delivery? Read more here.

Interested in what kind of social pension for a child for the loss of a breadwinner? See below.

The Pension Fund of Russia is responsible for the formation of pension savings and the subsequent accrual of pensions. In each city there are territorial divisions of the Pension Funds, which deal with the settlement of pension payments for citizens registered in the city or locality. If you have any questions or problematic situations related to the calculation of benefits, you need to contact the PF branch in your city.

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In some cases, a person does not need to wait at all for consideration of the issue of pension accruals. Everything happens much faster. Short terms for accruing a pension after submitting documents can be:

in case of dismissal of a citizen due to old age, he only needs to contact the Pension Fund and notify him of the fact of leaving work;
when a citizen is recognized as a disabled person - on the same day you can apply to a state body without any statements;
in the event of the death of the breadwinner, the citizen is entitled to a payment, for which one should apply to the FIU within 12 months from the date of death;
for those who already receive disability benefits - in this case, the person will start receiving labor pension payments after reaching the appropriate age.

How long after the pension is issued, should it be credited to the card?

The terms for assigning an insurance pension are somewhat different for persons who are disabled and who have lost their breadwinner. According to Art. 22, clause 5 of the Federal Law of the Russian Federation on “Insurance pensions”, for this category of citizens, if the application is submitted in time, a pension is assigned earlier than the date of application to the territorial office. What date the pensioner will receive money When applying for a monthly cash benefit, the territorial office of the Pension Fund determines the monthly date of its receipt.

The pensioner cannot choose the number at his own discretion. The date of issuance of money is not established by law, but depends on the decision of local executive bodies.

About pension

Hello! Unfortunately, they are legal. Requests can be made for a long time. Therefore, documents are usually submitted six months in advance. Questions in a personal after paying for the consultation Personal consultation

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Payment of a pension

The payment of an insurance pension, in accordance with paragraph 12 of Article 21 of the Law of December 28, 2013 No. 400-FZ “On Insurance Pensions”, is carried out by the Pension Fund and can only be carried out in person upon presentation of a passport or other identity document. However, if a pensioner is not able to receive his pension on his own, this can be done by his official representative by proxy. If the power of attorney is valid for more than one year, an annual confirmation of the pensioner's registration is required.
Methods of delivery of pension payments At the request of the pensioner, based on personal convenience, he chooses for himself the method of delivery of pension funds. Pension payments can be delivered in three ways:

When submitting papers, a citizen must fill out a special application form. Its form, as well as a sample, can now be obtained at the Pension Fund branch and viewed on the Internet. Those who wish to arm themselves with all the documents and quickly submit them for immediate processing can even download a form from the network.
You can also apply in the same way - in person or online. After filling out and submitting the papers, the terms for assigning a pension are calculated in ten days - it is during this period of time that the employees of the Pension Fund are required to consider the person's appeal and make a decision on payments.

In this way, funds can be delivered directly to the house where the pensioner lives, or they can be received independently, at the post office at the place of registration, while, according to the schedule, the day of payment of funds is set. If, for any reason, they do not come for a pension within six months, the payment is suspended, and in order to resume, it will be necessary to write an application to the territorial branch of the PFR.

To a bank account. Cash can be received personally at the cash desk of a bank branch, or you can get a bank card with which you can withdraw a pension through an ATM.
When choosing this method, you can accumulate funds and withdraw them at any time, regardless of the date of their transfer, and no commission will be charged.
Through an organization that delivers pensions.

Retirement payment schedule

This method involves both home delivery and receiving money on your own. The payment schedule in this way does not differ from the payment schedule via mail. A list of such organizations by region can be found at the disposal of the local FIU. If desired, you can change the delivery method or the organization itself that delivers payments.

The process of registration of pension provision in Russia has been greatly simplified since this year. But citizens are still interested in the terms for calculating pensions after submitting documents - every newly-made pensioner wants to know when he can receive his first payment. Content

1 Ways to apply for pensions
2 List of papers for submission to the Pension Fund
3 When to expect money.

The timing of the pension

Ways to submit documents for pension provision The conditions for assigning a pension include fulfilling the requirements for seniority. Today, the minimum period that must be worked out for the calculation of benefits is eight years. In the future, it is planned to increase it - by 2025, the first pension will be due only to those who have worked for at least fifteen years.

Getting the first pension after its appointment

The procedure for paying and delivering a pension After reaching retirement age and obtaining the right to retire, a Citizen can apply for the appointment of a pension due to him at the office of the Pension Fund of the Russian Federation. Establishment of pension payments occurs within 10 days after the emergence of the right to it and the submission of documents. The pensioner has the full right to independently choose the organization that will deliver the pension or choose the method of receiving the pension:

home delivery;
to a bank account or bank card;
independently, at the box office of the selected delivery organization.

Regardless of the choice of a pensioner, the payment schedule through a credit institution and a post office is identical.

When is the first pension paid?

In general, when applying for a pension, Pension Fund specialists ask how a pensioner will receive a pension in his hands or by transfer to a bank (on a card). And of course, they must warn in what time frame this will be done. My parents, for example, receive a pension in their hands. On the 20th day of each month, specialists bring it to your home (there is an option that the Russian post is also involved in posting pensions. Just check the date of transfer of the pension in your Pension Fund Administration. I submitted my pension documents 1 month before turning 55 years old. The Pension Fund immediately said, that the pension will come on the 10th of January (birthday in December) immediately in 2 months.I issued the card later, but apparently, if I had a card right away, the money would have arrived at the same time.It is strange that your mother would not they said when to wait for receipt, it is their responsibility.

Payment of a pension

If the payment is for a child, one of the parents or guardian of the child can pick it up. Starting from the age of 14, a teenager has the right to independently receive funds in a convenient way;
If a pensioner is in a psychiatric hospital or a place of deprivation of liberty, the funds are credited to a special account, the safety of which is obliged to ensure the administration of the institution;
Persons living in a nursing home receive a pension under standard conditions.

The procedure for paying benefits is regulated by the legislation of the Russian Federation.

About pension

Citizen's death certificate;
Information about the composition of the family;
Passport or passports of applicants for payment;
Documents confirming the family relationship between the deceased and the applicant.

To whom and on what date the funded part of the pension is paid The funded pension is a part of the labor pension, which is formed on the basis of the citizen's pension savings.

How long are the terms for accruing a pension after submitting documents

1 when pension is paid after appointment
- 1.1 How the first old-age pension is paid
2 How long after registration of a pension should it be credited to the card?
3 When a pension is paid in Russia: the procedure and regulations for calculating benefits
- 3.1 Power of attorney to receive a pension
- 3.2 Payment upon change of residence
- 3.3 When is a pension paid after the death of a pensioner?
- 3.4 To whom and on what date the funded part of the pension is paid

How is the first old-age pension paid? ? TELL. given by the author Rokula, the best answer is Article 19. Deadlines for assigning a labor pension 1.

When a pension is paid in Russia: the procedure and regulations for calculating benefits

After the expiration of the 10-day period established by law for consideration of the application or, if there are objective reasons, an extended period for consideration, the pensioner receives a notification about the need to appear at the department for assigning material support. During a personal reception, the citizen is informed about the accrual of payments, the date of their receipt is set, and a pension certificate is issued.

Dates for calculating the old-age pension The law determines from which day the old-age pension is calculated. The accrual falls on the first day of the month when the application is submitted to the territorial branch of the Pension Fund, but cannot be scheduled earlier than the agreed date.

Example. The application was submitted on March 15th. At the same time, the period for considering an application for an old-age pension will be extended, if all documents are available, until March 25.

From appointment to first payment of pension

At the same time, the method of receiving funds does not matter: even if the money is credited to a bank card, information about the new place of residence must still be transferred to the PF. This is done in this way:

At the new place of registration, get a note in the passport office about the change of registration;
With a passport, he will go to the Pension Fund at the new place of registration.
There you need to write an application for moving;
After that, within three working days, the payment case from the old place of residence will be transferred to the PF at the new place of registration.

It should be borne in mind that if a person moved abroad, then the procedure for receiving a pension changes: a trustee will be able to receive money.

The procedure for calculating and paying pensions

Disability;
Serious illness;
Absence on the territory of the Russian Federation;
Own desire of an elderly person.

Any citizen of Russia can receive money by proxy: it does not matter whether he is a relative of a pensioner or not. To draw up a document, you need to contact the notary office at the place of residence.

How long after the pension is issued, should it be credited to the card?

It is necessary that two parties be present: the principal and the trustee. The document contains the following information:

Full name of the trustee and the principal;
Series and number of the passport of the trustee and the principal;
The validity period of the document;
Full name of the bank and account number (if the pension is received by the bank), or the name of the post office.

After issuing a power of attorney with it, you need to contact the bank or the post office (depending on the method of receiving funds), after reissuing the documents, the trustee will be able to receive finance for an elderly person.

Payment upon change of residence Each citizen receiving a pension benefit is tied to the territorial division of the Pension Fund in his city. Therefore, if he changes his place in the registration, he needs to notify the Pension Fund about this.

Terms of accrual and payment of pensions

The labor pension (part of the labor old-age pension) is assigned from the date of applying for the specified pension (for the specified part of the labor old-age pension), except for the cases provided for in paragraphs 4 and 4.1 of this article, but in all cases not earlier than from the date of the emergence of the right to the specified pension (the specified part of the old-age labor pension). 2. The day of applying for a labor pension (part of an old-age labor pension) is the day when the body responsible for providing pensions receives the relevant application with all the necessary documents.

If the specified application is sent by mail and all the necessary documents are attached to it, then the day of applying for a labor pension (part of the old-age labor pension) is the date indicated on the postmark of the federal postal organization at the place of sending this application. 3.

When is the first old-age pension paid?

Such knowledge is necessary so that the beneficiary can plan his budget, and, if necessary, resolve disputes on payments. How long does it take to consider an application for a first pension The terms for assigning a pension established by law after submitting an application should not exceed 10 days from the date of the citizen's application to the regional branch of the Pension Fund of the Russian Federation at the place of residence. The date of application for the appointment of a pension is the day when the application was accepted and registered by the branch of the Pension Fund. The reason for exceeding the 10-day period for consideration of the application may be the submission of an incomplete package of documents that the pensioner must provide on the day the application is submitted. In this case, the citizen receives a recommendation from the department for assigning cash payments on the need to supplement the existing package of documents with the missing certificate or certificate.

When should the first pension be paid?

As far as I know, in this case there can be a variety of situations. For example, even if you arrange your pension payments in advance, you can wait for three whole calendar months until they arrive on a plastic card, or you can receive them already in the next calendar month, as was the case with my parents.
In any case, all legal pension payments will be transferred to a plastic card. I started to receive a pension at a time when there were no bank cards. So I can't say anything about timing. This partly depends on the promptness of the employees of the Pension Fund. It is possible that in January the pension will not arrive. But then in February the amount for two months should be received. Different people receive pensions on different days of the month. For example, my pension for the current month is credited to my bank card on the twentieth day.

Payment of the first pension

You can receive this payment:

A citizen himself, if his age is retirement (for women - 58 years, for men - 63 years);
If a person died a sudden death, his heirs will be able to receive the payment.

To apply for the pension savings of a deceased relative, you need to contact the Pension Fund with the following documents:

Copy of the applicant's passport;
Documents that confirm family ties (birth certificate, marriage certificate, etc.);
Application for transfer of funds with a bank account number;
Pensioner's death certificate.

What affects the amount Since January 1, 2015, the reform of pension accrual came into force in Russia, according to which the amount of benefits is now affected by:

Seniority;
The amount of wages.

Payment of a pension

If the twentieth day of the month falls on Saturday or Sunday, that is, non-working days, then the pension sometimes comes earlier, that is, on Friday, and sometimes it is late, entering the card only on Monday. All this depends on the employees of the Pension Fund. You should not be shy, but ask them more precisely. When applying for a pension, my mother was told at the Pension Fund office when she would receive a pension.
They transferred to her card on a strictly fixed time, throughout the entire time she clearly received the transfer on the same day. The first time she received money immediately for two months in the month following the month of the pension, i.e. she was assigned a pension in February, and she received it on March 10, and after that, every month on the 10th, she received a pension on a bank card. Those who receive a pension in the mail, they are also set a certain date for receiving a pension.

From appointment to first payment of pension

A pension is a regular (usually monthly) benefit from the state, which is paid to the elderly, people who have lost their breadwinner, and the disabled. Every modern country has a Pension Fund, to which a certain percentage of the wages of citizens is deducted. These funds are used to pay pension benefits. The size of the pension, which is accrued according to the length of service for older people, directly depends on the length of service of the employee and on the type of work (for example, former military men receive a larger amount of benefits).

There are many nuances associated with receiving this payment. For example, not everyone knows when a pension is paid. Let's look at how the procedure is performed, and what is the amount of the pension for the first month and beyond.

About pension

The procedure for calculating and paying pensions

Through the post office (Post of Russia).

When a pension is paid in Russia: the procedure and regulations for calculating benefits

The accrual falls on the first day of the month when the application is submitted to the territorial branch of the Pension Fund, but cannot be scheduled earlier than the agreed date. Example. The application was submitted on March 15th. At the same time, the period for considering an application for an old-age pension will be extended, if all documents are available, until March 25.

How long after the pension is issued, should it be credited to the card?

RF, a person of retirement age has the same right to formal employment as middle-aged people, that is, old age cannot be the cause of any harassment at work. We remind you that in Russia retirement is possible for men from the age of 63, and for women - from 58. It is worth noting that an elderly person may not notify his employer in advance of his dismissal, and he is not required to work 14 days.

The amount of salaries at retirement depends on the type of dismissal:

If a person left the place of work of his own free will, he is entitled to payment for unused vacation + wages for the current period of time;
If the pensioner was reduced, in addition to the above payments, he is also entitled to severance pay.

Procedure The payment of benefits is carried out by the body that accepted the application from the person for the appointment of a pension.

Paying and receiving a pension in Russia in 2018

There are other ways to apply:

postage;
transmission in electronic form;
direction through the MFC.

Download for viewing and printing: Application for the appointment of a pension In all of the above situations, the day of application is the date recorded on the postal stamp, or the date the application was submitted via the Internet connection, including the public services portal or the date the application was received by the MFC employees. Attention! For military pensioners and retired employees of the Ministry of Internal Affairs, post-labor payments are assigned and paid not by the PF bodies, but by the special departments in which they served - the Ministry of Defense and the Ministry of Internal Affairs of Russia. Early retirement For some citizens, benefits are assigned and paid before the due date, that is, without reaching the retirement age (60/55 years).

Terms of accrual and payment of pensions

The pension will be credited for March, but not in full, but for all days from 15 to 31 March. The pensioner should receive the first payment in April. But, if they do not have time to add it to the statement, the payment will be made in May for two months.

Retirement payment schedule

Reaching the required age limit.
The presence of work experience in certain types of activities.
Social foundations related to:
- the birth / upbringing of children;
- visual disability and due to military injuries;
- living or working in the North.
Availability of the required insurance experience.

The order of payment of social security The payment of social maintenance payments is made by the pension body that accepted the application for his appointment. Insurance payments are issued by the territorial divisions of the Pension Fund at the place of residence of the pensioner.

The article was written based on materials from sites: advocatus54.ru, pbcns.ru, plusbuh.ru.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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How many salaries

It is worth noting that an elderly person may not notify his employer in advance of his dismissal, and he is not required to work 14 days.

The amount of salaries at retirement depends on the type of dismissal:

If a person left the place of work of his own free will, he is entitled to payment for unused vacation + wages for the current period of time;
If the pensioner was reduced, in addition to the above payments, he is also entitled to severance pay.

Order

Depending on who will receive the pension, there are certain conditions for calculating benefits:

If the payment is for a child, one of the parents or guardian of the child can pick it up. Starting from the age of 14, a teenager has the right to independently receive funds in a convenient way;
If a pensioner is in a psychiatric hospital or a place of deprivation of liberty, the funds are credited to a special account, the safety of which is obliged to ensure the administration of the institution;
Persons living in a nursing home receive a pension under standard conditions.

The procedure for paying benefits is regulated by the legislation of the Russian Federation.

Paying authorities

A pensioner has the right to receive a pension in the most convenient way for him from the following:

Through a banking institution. To receive funds in this way, a person needs to go to the branch of the bank with which he wants to cooperate and draw up a card. Money will be credited to it without a commission, as this is a targeted replenishment. In the future, they can be withdrawn at an ATM, or paid with a card at retail outlets and stores;
Through the Russian Post. Receiving funds in this way always occurs with a slight delay: a day or two later than when credited to the card. This is because home delivery does not take place immediately after retirement benefits arrive in the mail.

If for some reason a pensioner is not satisfied with one of these methods of receiving funds, he can always change it. To do this, it is enough to submit an application and attach to it a certificate of the assigned pension to the Pension Fund of Russia, located in the region of residence.

Video: Preparing documents

Delivery Schedule

The schedule for receiving the payment must be further specified in the territorial division of the Pension Fund of your city, since the date of payment may differ.

Also, this moment depends on the method of delivery of funds:

If the method of receiving money is a bank card, then the pension is credited instantly to the account immediately after entering the bank from the Pension Fund, after which the person can use the finances;
When delivering benefits by mail, the payment schedule should be clarified at the department of the institution. There, as a rule, a fixed day is set for payment, but there may be delays of up to three days, according to the legislation of the Russian Federation.

It should be borne in mind that if the day of receiving benefits falls on a holiday or weekend, the money may be allocated a day or two earlier than set.

Power of attorney for pension

A power of attorney is a notarized document that entitles a third party to receive payment for a pensioner. As a rule, it is issued by a notary public for a fee.

The document is necessary if the pensioner who is assigned the allowance cannot receive it for some reason, for example:

Disability;
Serious illness;
Absence on the territory of the Russian Federation;
Own desire of an elderly person.

Any citizen of Russia can receive money by proxy: it does not matter whether he is a relative of a pensioner or not.

To draw up a document, you need to contact the notary office at the place of residence. It is necessary that two parties be present: the principal and the trustee.

The document contains the following information:

Full name of the trustee and the principal;
Series and number of the passport of the trustee and the principal;
The validity period of the document;
Full name of the bank and account number (if the pension is received by the bank), or the name of the post office.

Payment upon change of residence

At the same time, the method of receiving funds does not matter: even if the money is credited to a bank card, information about the new place of residence must still be transferred to the PF.

This is done in this way:

At the new place of registration, get a note in the passport office about the change of registration;
With a passport, he will go to the Pension Fund at the new place of registration. There you need to write an application for moving;
After that, within three working days, the payment case from the old place of residence will be transferred to the PF at the new place of registration.

It should be borne in mind that if a person moved abroad, then the procedure for receiving a pension changes: a trustee will be able to receive money.

When is a pension paid after the death of a pensioner?

To receive funds, you need to contact the territorial division of the PF of the city with the following documents:

Citizen's death certificate;
Information about the composition of the family;
Passport or passports of applicants for payment;
Documents confirming the family relationship between the deceased and the applicant.

To whom and on what date the funded part of the pension is paid

The funded pension is a part of the labor pension, which is formed on the basis of the citizen's pension savings.

You can receive this payment:

A citizen himself, if his age is retirement (for women - 58 years, for men - 63 years);
If a person died a sudden death, his heirs will be able to receive the payment.

To apply for the pension savings of a deceased relative, you need to contact the Pension Fund with the following documents:

Copy of the applicant's passport;
Documents that confirm family ties (birth certificate, marriage certificate, etc.);
Application for transfer of funds with a bank account number;
Pensioner's death certificate.

What affects the size

From January 1, 2015, the reform of pension accrual came into force in Russia, according to which the amount of benefits is now affected by:

Seniority;
The amount of wages. The average figure for the last worked year before retirement is calculated;
The age of the person at the time of applying for pension savings.

The longer the length of service of a person and the amount of wages, the greater the amount of benefits he will receive.

Who pays

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