Why don’t they pay the funded part of the pension, what is SPN in the pension fund?

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Funded pension

The legislation of the Russian Federation on pension provision, in addition to social and insurance pensions, also provides for other types that require citizens to independently accumulate an increase in future income.

Urgent payment is just one of the ways to increase your monthly income after you stop working and retire. Below you will find answers to the questions of what this type of security is, how it can be formed, how to register it and whether the heirs of the deceased person can claim it.

Urgent pension payment - what is it?

There is no clear definition of this concept in the legislation, but Art. 5 of the law “On the procedure for financing payments from pension savings” reveals what is meant by this type of security.

Based on this norm, the following characteristics can be distinguished:

carried out in cash;
is periodic (paid monthly);
relies on those who have reached the previously established retirement age (60 years for men and 55 for women) and have the minimum required insurance period and individual coefficient;
is formed from additional contributions within the framework of compulsory insurance.

Important! Thus, a fixed-term pension is a monthly periodic payment that is due to a citizen upon reaching the age of 60 and 55 years for men and women, respectively, if they form a funded part, within the framework of which they or their employers transferred additional insurance contributions in excess of the mandatory ones.

Conditions for receiving a funded pension

You can receive the funded part of your pension if three conditions are met:

Reaching the previous retirement age: for women – 55 years, for men – 60 years. Raising the retirement age did not affect the rules for receiving a funded pension.
Having a minimum length of experience: in 2021 – 10 years, in 2021 – 11 years.
Availability of the required number of pension coefficients: in 2019 – 16.2, in 2021 – 18.6. The number of points depends on the salary level. For example, with a monthly salary of 10 thousand rubles, only 1 point is awarded per year.

From what funds is it paid?

Since this type of security is due to those who have contributions within the framework of compulsory insurance, paid to the funded part in addition to the amount established by law, the following sources of its formation can be distinguished:

voluntary contributions by the citizen himself, which he sent to his individual account as part of compulsory pension insurance in addition to employer contributions from his salary;
funds transferred by the state within the framework of the Co-financing program (within 12 thousand rubles per year, the state doubled every thousand voluntarily contributed by a citizen);
cash contributions that were transferred by the employer of an individual to his funded part in addition to those amounts that are mandatory;
maternal (family) capital, which the mother ordered to increase her future pension.

Attention! The type of security under consideration includes not only the indicated amounts and types of payments themselves, but also the income that was received as a result of their investment. Income from the management of such deductions is accounted for separately, and therefore it is paid separately also within the framework of this type of security.

Methods for paying funded pensions

There are three ways to receive a funded pension:

1. You can receive a pension for life. To calculate the amount of due monthly payments, it is necessary to divide all accumulated funds by 252 months (that is, 21 years is the survival period established by the Government). Moreover, if you apply for a pension not at age 60, but later, the monthly payment will be higher. Example: if you apply for a funded pension at age 63, and not at 60, the total amount of savings will be divided by 216, not 252. Indeed, due to the later application for a funded pension, the expected period for its payment is now 18 years, not 21 .

2. If the size of the funded part does not exceed 5% of the entire pension, you will receive the entire amount immediately and in full. Those who receive a disability pension, a survivor's pension or a state pension also have the right to a lump sum payment of the accumulated part of the pension. The latter is assigned to people who have failed to score the required number of points or length of service to receive an insurance pension.

3. Savings can be obtained urgently. Namely, the pension recipient has the right to set his own period (at least ten years) during which all his savings will be paid to him. In this case, the payment will be slightly higher than when choosing the lifetime option.

However, not everyone has the right to receive such an urgent payment. It is formed only through additional insurance contributions for the funded part of the citizen’s future pension, including:

– voluntary contributions that the citizen himself transferred within the framework of the State Co-financing of Pensions Program;

– means of co-financing his contributions from the state (according to the rules of the mentioned Program, the state doubles the citizen’s contribution in the range from 2 to 12 thousand rubles per year);

– additional contributions from employers. These are funds that the employer paid for the funded part of the labor pension of participants in the State Co-financing Program in addition to contributions within the framework of compulsory pension insurance;

– income from investing all the funds mentioned above;

– maternal (family) capital funds aimed at forming a funded pension, and income from their investment.

To receive a funded pension, you must submit an application to your insurer - the Pension Fund of Russia (PFR) or a non-state pension fund. And in the application, indicate the option for receiving money - urgent or lifelong.

If you are entitled to a lump sum payment of savings, it will be made by your insurer (in this case it is not possible to refuse in favor of the other two schemes).

Features of formation of urgent payment

If the above funds are available in an individual account, a citizen has the right to create security for them at his choice:

Together with other money paid to the citizen in the form of the funded part of the insurance pension.
In the form of an independent benefit (actually an urgent payment).

These types of security differ in the period by which the total amount is divided. In the first case, the period of receiving it is divided into a survival period, which is established by the state; in the second, it is determined by the citizen independently. At the same time, however, the period for receiving this type of security, indicated in the application of an individual, cannot be less than 120 months, i.e. 10 years.

Every year, the amount of this security, provided monthly, is subject to revision (only upward), since during this time additional contributions and income may be received, as well as additional income from investing the unpaid portion of the money.

How is a funded pension formed?

About twenty years ago, the pension was divided into two parts - insurance and funded. If earlier deductions from salaries went towards monthly payments to pensioners, then after 2002 part of the funds began to accumulate in the personal pension accounts of working citizens. From each salary, our employer contributes 16% to the insurance part of the pension (it is from this money that payments are made to current pensioners) and 6% to the funded one. Contributions to the funded pension remain in the individual pension account. It will be paid “in old age” along with an insurance pension, which will be paid for by working citizens.

The funded pension appeared not so long ago, in 2002. And in 2014, a moratorium was declared on its replenishment through employer contributions: now they are used to pay the insurance pension. The moratorium will be in effect until 2021 inclusive.

To check how much you have already managed to accumulate, you can request information on the state of your individual personal account () on the State Services portal.

For more details, read the article “How to find out the size of your funded pension and insurer?”

Receipt procedure

The procedure for assigning and receiving such benefits consists of several steps:

Drawing up and sending an application by the insured person.
The fund's decision to assign such a benefit.
Delivery of this type of security to the recipient.

The application is submitted to the territorial body of the Pension Fund if the funds of the funded part are placed there. In the case of transfer of money under the management of a non-state PF, a similar application is submitted at the location of the representative office of the relevant fund.

After a positive decision is made, delivery of the cash security must be organized by the Pension Fund or Non-State Pension Fund in which the citizen has contributions. The delivery rules, as well as in more detail the specifics of establishing this type of security, are determined by the law “On Funded Pension” (Article 9).

I received a letter from the Pension Fund stating that

Federal Law of November 30, 2011 No. 360-FZ):

Article 4. One-time payment of pension savings

1. A one-time payment is made to the following categories of insured persons:

1) persons receiving a disability insurance pension or a survivor's insurance pension or receiving a state pension pension who have not acquired the right to establish an old-age insurance pension due to the lack of the required insurance period and (or) the value of the individual pension coefficient, provided for by Part 3 of Article 8 of the Federal Law of December 28, 2013 N 400-FZ “On Insurance Pensions”, determined using the provisions of Article 35 of the Federal Law of December 28, 2013 N 400-FZ “On Insurance Pensions” - upon reaching the age, specified in Part 1 of Article 8 of the Federal Law of December 28, 2013 N 400-FZ “On Insurance Pensions”;

(Clause 1 as amended by Federal Law dated July 21, 2014 N 216-FZ)

2) persons whose funded pension, if assigned, would be 5 percent or less in relation to the amount of the old-age insurance pension, taking into account the fixed payment to the old-age insurance pension, increases in the fixed payment to the insurance pension, calculated in accordance with the Federal Law dated December 28, 2013 N 400-FZ “On Insurance Pensions”, and the amount of the funded pension calculated in accordance with Federal Law dated December 28, 2013 N 424-FZ “On the Funded Pension”, calculated on the date of assignment of the funded pension in accordance with Federal Law of December 28, 2013 N 424-FZ “On funded pensions” - when the right to establish an old-age insurance pension arises (including early).

(clause 2 as amended by Federal Law dated July 21, 2014 N 216-FZ)

1.1. A one-time payment is not made to persons who previously received a funded pension.

The funded pension is calculated by dividing the accumulated amount by 228, and if the amount received is 5% or less of the amount of the insurance pension, then the entire accumulated amount is given at once.

Is it possible to get money for a deceased relative?

If a citizen who is entitled to an urgent payment was unable to receive it before his death or did not receive it in full, then these funds (or part of them) can be received by his legal successors.

Reference! This right of relatives is not subject to inheritance law, and they themselves are not heirs. The law calls them legal successors and divides them into 2 stages (1st - spouse, children, parents; 2nd - brothers, sisters, grandparents, grandchildren).

A special succession procedure is provided for contributions aimed at forming a pension from maternity capital funds. Only the father or adoptive parent of the child can claim this money, and in his absence, the children of the deceased.

To receive money, you must submit an application to the Pension Fund within six months from the date of death of the insured person. The Pension Fund of the Russian Federation, within the 7th month after the death of a person, makes a decision on transferring savings to legal successors. The payment itself is made until the middle of the month following the month the decision was made (until the 15th day).

So, the urgent payment is made from funds that were transferred in excess of the contributions established by the state for compulsory pension insurance (the funded part). It is periodic in nature, paid monthly for a period of time chosen by the citizen himself, but not less than 10 years.

To receive it, a person must submit a corresponding application to the Pension Fund or Non-State Pension Fund (depending on where his contributions are stored). These funds are the exclusive property of the citizen and in the event of his death are subject to transfer to his relatives.

Payment of pension savings to legal successors

Payment of pension savings

legal successors of the deceased insured person

The legal successor is the person indicated by the insured person in the contract on compulsory pension insurance or in the corresponding application submitted to JSC NPF "FEDERATION".

In the absence of legal successors specified by the insured person in the contract or application

, pension savings funds are paid
to legal successors according to the law
:

first of all - to children, including adopted children, spouse and parents (adoptive parents) (legal successors according to the law of the first priority);

in the second place - to brothers, sisters, grandfathers, grandmothers and grandchildren (legal successors according to the law of the second priority).

The balance of maternal (family) capital funds aimed at forming a funded pension, and the result of their investment, not paid to the deceased insured person in the form of an urgent pension payment, is subject to payment to the following persons, subject to the requirements established by Article 3 of the Federal Law “On additional measures of state support for families with children" requirements:

father (adoptive parent) of a child, in connection with whose birth (adoption) the insured person has the right to additional measures of state support;
a child (children) who has not reached the age of majority, and (or) an adult child (children) studying full-time in an organization carrying out educational activities (except for the organization of additional education), until the end of such training, but no longer than until he reaches age 23 years old.

To arrange the payment of pension savings to the legal successors of the deceased insured person, you must contact the office of JSC NPF "FEDERATION" at the address: 127051, Moscow, Tsvetnoy Boulevard, 2, tel. or to the authorized representative of the Fund - MY PENSION LLC at the address: 192236 St. Petersburg, st. Sofiyskaya, 14, office. 405. Tel.: 8-812-426-50-99.

You must have the following documents with you:

identification document, age, place of residence of the legal successor (passport 3-4 pages and pages with registration or birth certificate if the legal successor is under 14 years old);
a document confirming the relationship with the deceased insured person (birth certificate, marriage certificate, adoption certificate, other documents confirming the degree of relationship with the deceased insured person) - for legal successors;
death certificate of the insured person (if available);
insurance certificate of compulsory pension insurance (SNILS) of the deceased insured person or a document issued by the territorial body of the Pension Fund of the Russian Federation, which contains the insurance number of the individual personal account of the deceased insured person (if available);
a document certifying the identity and powers of the legal representative (adoptive parent, guardian, trustee) of the legal successor - for legal representatives of the legal successor;
a notarized power of attorney confirming the authority of the representative of the legal successor to submit an application for payment of pension savings funds (for refusal to receive pension savings funds) and the necessary documents on behalf of the legal successor - for representatives of the legal successor
;
a document confirming the preliminary permission of the guardianship and trusteeship body to refuse to receive the pension savings funds due to the legal successor, accounted for in the pension account of the accumulative pension of the deceased insured person - for the legal representatives of the legal successor
when filing an application for refusal to receive pension savings funds;
a court decision to restore the deadline for filing an application for payment of pension savings funds - for legal successors who have restored the deadline in court
for filing an application for payment of pension savings funds;
documents confirming paternity in relation to children taken into account when the insured person became entitled to additional measures of state support, the absence of facts of deprivation of parental rights of the father (cancellation of adoption) in relation to the child, in connection with whose birth (adoption) the insured person had the right to additional measures of state support, the commission by a father of an intentional crime in relation to his child (children), relating to crimes against the person, as well as recognition of the child as being left without parental care if at the time of the death of the insured person the child was a minor (birth (adoption) certificate of the indicated children, a certificate from the guardianship and trusteeship authorities about the absence of information about the deprivation of the father of parental rights (about the cancellation of adoption), recognition of the child as left without parental care, a certificate from the internal affairs bodies about the absence of information about a conviction for a deliberate crime against the person), - for the legal successor - the father ( adoptive parent) of a child
, in connection with the birth (adoption) of which the insured person has the right to additional measures of state support (
to receive the balance of maternity capital funds
aimed at forming a funded pension, and the result of their investment, not paid to the deceased insured person in the form of a fixed-term pension payments);
documents confirming the death of the father (adoptive parent), deprivation of his parental rights (cancellation of adoption) in relation to a child, in connection with the birth (adoption) of which the insured person has the right to additional measures of state support, committed by the father (adoptive parent) in relation to his child ( children) an intentional crime related to crimes against the person, full-time education of the child (children) in an organization engaged in educational activities (except for the organization of additional education) (death certificate of the father (adoptive parent), court decision on deprivation of the father’s parental rights (cancellation adoption), a certificate from internal affairs bodies about a conviction for a deliberate crime against a person, a certificate from an organization carrying out educational activities about full-time education), - for a legal successor - a child (children) who has not reached the age of majority, and (or) an adult child (children) ), a full-time student in an organization engaged in educational activities (except for the organization of additional education), until the end of such training, but no longer than until he reaches the age of 23 years ( to receive the balance of maternity capital funds
aimed at forming a funded pension, and the result of their investment not paid to the deceased insured person in the form of a term pension payment);
information about bank or other details for transferring funds to legal successors.

If you do not have the opportunity to contact NPF FEDERATION JSC or the authorized representative of the Fund - MY PENSION LLC in person, you can send documents using the services of the Russian Post or courier delivery to the address: 127051, Moscow, Tsvetnoy Boulevard, d. 2 with a note for JSC NPF "FEDERATION" the following set of documents:

application of the legal successor for the payment of pension savings accounted for in the pension account of the deceased insured person (required to be notarized).
questionnaire for individuals, consent to the processing of personal data (notarization is not required);
information about the bank or other details of the legal successor (notarization is not required);
documents specified in paragraphs 1-10. The need to provide each of the listed documents is determined depending on which category of legal successors you belong to. To avoid mistakes, we kindly ask you to first agree on the list of required documents with an employee of JSC NPF “FEDERATION” by phone.

A sample of filling out the Application of a legal successor for the payment of pension savings accounted for in the pension account of a deceased insured person can be found here.

A sample of filling out the Questionnaire for individuals and Consent to the processing of personal data can be found here.

Also, legal successors can submit the following types of applications accompanied by the documents listed in clauses 1-10:

Application by the legal successor to refuse to receive the pension savings funds due to him, recorded in the pension account of the deceased insured person (required to be notarized). A sample of filling out the Application of a legal successor to refuse to receive funds due to him from pension savings accounted for in the pension account of a deceased insured person can be found here.

Application by the legal successor for the payment of assigned but not received pension savings accounted for in the pension account of the deceased insured person (required to be notarized). A sample of filling out the Successor's Application for payment of assigned but not received pension savings accounted for in the pension account of a deceased insured person can be found here.
Application of the heir of the deceased insured person for payment of pension savings/additional payment of pension savings (requires notarization). A sample of filling out the Application of the heir of a deceased insured person for payment of pension savings/additional payment of pension savings can be found here.
Application from the heir of the legal successor of the deceased insured person for payment of pension savings/additional payment of pension savings not received by the successor due to death (required to be notarized). A sample form for filling out the heir of a legal successor of a deceased insured person regarding the payment of pension savings/additional payment of pension savings not received by the successor due to death can be found here.

Please note that if documents are submitted to JSC NPF "FEDERATION" by post

, the authenticity of your signature on the Statement of the successor for the payment of pension savings accounted for in the pension account of the accumulative pension of the deceased insured person, as well as the authenticity of copies of all submitted documents
must be certified by a notary
or other authorized person in accordance with Articles 37 and 38 of the Fundamentals of the Legislation of the Russian Federation on notary office

For all questions that arise when preparing a package of documents, you can contact us by phone.