2024 Author: Priscilla Miln | [email protected]. Last modified: 2023-12-16 00:21
Every person leaving for a well-deserved vacation over the long working years of his life has the legal right to pensions. Often the amount of pension payments is insufficient for a comfortable existence. Therefore, the state assumes the obligation to pay lump-sum benefits to pensioners in addition to basic income from the amount of pension contributions.
Retirement savings funds (SPF): the essence of the concept
Pension savings is the amount of money that is on the personal pension account of a citizen who participates in the mandatory pension insurance system in the Pension Fund of the Russian Federation (or in a non-state Pension Fund). They include:
- the amount of insurance premiums that were transferred by the employer throughout the entire working life in accordance with the rules of compulsory pension insurance for the funded share of a citizen's pension;
- for persons participating in the State Pension Co-financing Program - the amount of insurancecontributions, additionally paid towards the funded part of the labor pension; the amount of contributions of employers who participate in the Co-financing Program as a third party; the amount of contributions transferred from the state budget to co-finance the accumulated part of the pension;
- part of the funds (or the entire amount) of family (maternity) capital, which was directed to the formation of SIT;
- income from investing the above funds.
Who has STS
SPN are formed for citizens born before 1967, if they are members of the mandatory pension insurance system, and also worked / work in any period of time after 2001. These include the category of persons in whose favor insurance contributions to the funded pension were regularly made by the employer from 2001 to 2004. These are men born between 1953 and 1966 and women born between 1957 and 1966.
The funded pension is available to mothers who have allocated maternity capital for the formation of SIT, as well as to participants in the State Pension Co-financing Program.
Major innovations in SIT payments
Recently, the Government of the Russian Federation is developing a law, according to which every citizen has the opportunity not only to receive a labor pension for life at the expense of pension savings, but also to count on a one-time social benefit. In addition, each pensioner is en titled to receive urgent pensionSIT payments, which were formed at the expense of insurance voluntary contributions.
The possibilities of transferring the rights to receive SIT to successors have also expanded. A few years ago, successors were able to receive SIT only if the insured citizen died before he was assigned an old-age pension. According to the adopted Law, if after the death of the insured citizen a part of the urgent pension payment remains unpaid, successors may apply for it. Innovations touched upon the issues of succession of SITs formed at the expense of maternity (family) capital.
Types of pension payments
According to the law, every citizen, in addition to life-long pension payments, can count on lump-sum payments to pensioners.
Pension payments are:
- immediate pension payment;
- lump payment for pensioners;
- SPN, which are accrued upon reaching retirement age;
- payment of the insured pensioner's funds to his successors.
Lump-sum allowance for pensioners
Lump-sum social payment to pensioners is an opportunity to receive a share of labor pension throughout life not only in the form of monthly payments, but also as a lump-sum payment (if you have certain rights). Also, citizens can receive an urgent pension payment, which was formed at the expense ofadditional contributions.
Who is eligible for the lump sum
One-time cash payments to pensioners are made to the following categories of insured persons:
- Citizens claiming survivor benefits.
- People receiving a disability pension and disabled pensioners due to illness.
- Citizens who are not en titled to pensions due to lack of work experience, but who fall under the state pension provision in the form of a social pension.
Lump-sum payment for pensioners: who provides it
One-time payment of SIT funds is carried out by the PFR or NPF, depending on where the insured person made insurance premiums. The payment of a one-time allowance to pensioners is regulated by the Government of the Russian Federation.
List of required documents
Lump-sum payment to pensioners has a declarative form. To obtain it, you must personally contact the territorial office of the PFR or the non-state Pension Fund, by submitting a written application, and provide the following documents:
- document proving the identity of a citizen of the Russian Federation;
- certificate of mandatory pension insurance;
- certificate issued by the inspector of the territorial branch of the Pension Fund of the Russian Federation on the insurance period and the amount of the labor pension;
- bank details for the transfer of a one-time payment at the expense of SIT.
When will the money be available
According to the law, the decision on the payment of a lump-sum allowance is made within a month, starting from the date of submission of a written application to the Pension Fund of the Russian Federation with the provision of the necessary package of documents. With a positive result, a lump sum payment to pensioners is carried out within a period not exceeding 2 months from the date of the decision. In case of refusal to assign payments, the Pension Fund notifies the citizen in writing of the decision made, indicating the reason.
Lump sum amount
The size of the lump-sum payment to pensioners depends on the amount of SIT in their pension account at the time of assigning a labor pension. For citizens born before 1967, pension savings were formed over three years (2002-2004), so the amount of payments ranges from 5 to 15 thousand rubles.
One-time payment to pensioners of the Ministry of Internal Affairs
Citizens of the Russian Federation who were dismissed from service in the Ministry of Internal Affairs with the right to pensions, and registered for a lump sum allowance during their service, are en titled to a one-time social benefit.
One-time payments to pensioners can be provided at their request if they were registered before March 1, 2005 as needing housing by the relevant body of the Ministry of Internal Affairs of Russia.
Thus, there are no legal grounds for providing a citizen with a one-time social benefit if the pensionerThe Ministry of Internal Affairs is not in the queue for housing under an employment contract or a lump sum payment in the internal affairs bodies.
Support for pensioners continuing their labor activity
Every third citizen of the Russian Federation, who is on a pension, continues his labor activity. Naturally, many are interested in the question of whether a lump sum payment is due to working pensioners.
As a rule, working pensioners do not receive lump-sum benefits. In the event of dismissal due to redundancy, the employer must pay the regular severance pay.
In view of the above, every Russian pensioner can apply for SIT. For those who are just going to apply to the PFRF for the purpose of assigning a pension, lump-sum payments from the SIT will be made upon their written application simultaneously with the appointment of an old-age pension.
To receive a lump-sum benefit, two conditions must be met: a citizen must have the right to receive an old-age pension (or already be a pensioner) and have pension savings. Then the PFRF will have no grounds for refusing to pay a lump-sum allowance. The Government of the Russian Federation takes care of pensioners and regularly introduces innovations into the legislative framework so that citizens who have retired on a well-deserved vacation do not need anything.
It is worth noting that each pensioner can dispose of the funded part of the pension at his own discretion - you can receive it asallowances for labor, or indicate a specific payment period (the entire amount will be issued within a year, two or even five), or you can receive it at a time. The latter option will be more beneficial in cases where the SPN is small.
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