Something new constantly appears, the old is improved and an unprecedented still arises. Therefore, genuine interest arises : what is personified accounting? What benefits does it give? What is it for?
general information
If there is a desire to receive both funded and insurance pensions from the state in the future, then it is necessary to be personally registered with the pension rights of citizens. It has been implemented since 2002. The system of individual
personified accounting is better known as compulsory pension insurance. What is the principle of its work? The system is based on the same provisions that insurance companies operate on. That is, it is stipulated that a citizen regularly makes contributions (paid for by employers) throughout his entire career. They are transferred to the Pension Fund, and he already manages them in the framework of the program. If there are no contributions in the personified accounting system, then there are no insurance and funded pensions.
More details on the basics
Individual (personified) accounting is a system of organization and accounting within the framework of the Pension Fund of the Russian Federation, which collects information on insurance contributions of individual citizens. To become a member, you need to register in it and have an
individual personal account number, known as SNILS. A series of data is tied to it, which in the future will be used to assign, recalculate and pay pensions, namely:
- Experience.
- Periods of work and place of work.
- Insurance premiums received by the Pension Fund.
- The number of points earned.
And it turns out that wherever a citizen works, all the data goes to one place - to the Pension Fund. But this is only if the wage is not gray or black. All individual information about a person is stored on his SNILS. By the way, this abbreviation has not been decrypted. SNILS is the insurance number of an individual personal account.
Important points
All the information that an individual personified record possesses is confidential and is stored in accordance with established requirements, which are put forward to the data and its security. By the way, gradually
compulsory pension insurance extends, and now even children and adolescents fall under it. After the person has been registered, the Pension Fund opens an account for the citizen and assigns him SNILS. The latter is used as an identifier for personal data. Thanks to him, the registers of citizens who have the right to receive public services and benefits are formed, and an independent request is made by the departments of the necessary documents. All this allows you to significantly save time when interacting with government agencies.
What opportunities does SNILS provide?
The insurance number of an individual personal account allows you to identify the user on the portal of public services, where you can get:
- Information and forms for obtaining a passport.
- Social assistance data.
- Tax information.
- Data about fines in the traffic police.
- An extract from your personal account in the RF PF.
And many other pleasant moments. Also, personalized accounting information allows you to find out if all the data is correct. So, a person can see his:
- Surname, name, fatherland.
- Floor.
- Date and place of birth.
SNILS is unique, therefore, access to the data of another person will fail.
Risks and Fraud
As the personified accounting program becomes more relevant, many negative points arise. Quite often there is a situation when very persistent and annoying people offer to switch to service in some non-state pension fund. And it’s good if there is enough information about him. You need to monitor the safety of your SNILS, otherwise it may be such that a person after a considerable time learns that he has replaced the PF of the Russian Federation with the NPF Horns and Hooves. Alas, such abuses are quite common.
Since many banking institutions acquire similar structures, care should also be taken when signing various documents. You should always and everywhere read all the papers, even if in a hurry. It’s better to refuse to sign, rather than agree to no one knows what. Although a simple transfer of account maintenance and all funds to another company without the knowledge of a person is still the smallest possible problem. Non-state pension funds can go bankrupt, and then people will be without a secured old age. In fairness, it should be noted that the state very tightly controls these structures and such a scenario is unlikely. We should not exclude meetings with ordinary scammers who want to transfer funds to a shell organization - and then look for winds in the field. Therefore, one should be very careful, because security in old age depends on this.
Reason for implementation
Why is personalized pension accounting introduced? Well that's a good question. Previously, there was a joint pension system in the entire Soviet Union, the essence of which was that the workers kept the elderly. While the number of young people was growing steadily, she was justifying herself. But now our country is experiencing a time of severe demographic crisis. And it became clear that this system cannot be used in the future. It was necessary to change it. And gradually the slogan “Everyone is responsible for his pension” was chosen. In fact, this means that each person should deal with his old age independently. We can choose a non-governmental
pension fund, where appropriate contributions will be paid, which will be used for our support in the future. Moreover, if a person does not want to work in the legal field and in accordance with the established rules, then he will not receive support in old age. And this will be exclusively his problem.
And what the law says
The principles of organization and the legal basis are available in
Federal Law 27- dated 04/01/1996 “On Individual (Personified) Accounting in the Compulsory Pension Insurance System”. He provided that all information is provided in the manner approved by the Pension Fund of the Russian Federation. Additionally, mention should be made of the resolution of the Board of the RF PF “On approval of the form“ Information on the insured persons ”” dated 01.02.2016 No. 86p. It is here that contains an indication that the employer must provide data every month about the people who work for him.
And what about other countries
Does it have its own SNILS? On the whole and in general - yes. Or at least something similar. So, in the US it is provided that a person independently engages in his own pension and old age. Although it is also impossible to say here that everything is directly transferred to people. So, when Obama was launched, a program was launched to support the poor. In addition, some support is provided for former officials. Although there are quite a few specific points. The situation in the Russian Federation is most similar to the space of the former USSR. So, in a similar way, for example, Ukraine is developing. In general, now we can confidently say that the state of affairs in general is moving towards Western models of building a pension system.
Conclusion
It should be noted that such an idea is extremely useful and quite necessary. Although the speed of implementation of ideas, as well as some points evoke a certain sadness. So, a full-fledged transition will be carried out for more than one decade. Why so long? The fact is that many people used to work with the expectation that they will be supported by the next generation in the future. But there was a change in the development paradigm, and all their achievements burned out. Therefore, it was decided that only those born after 1967 will work with an insurance pension. All others will receive payments on a joint basis. But such an approach will be more and more difficult to bear on the budget in the future.