Today we will learn how to compile and apply for a pension. In addition, we have to get acquainted with the key points of retirement. Every modern person needs to know and remember about them. Indeed, in Russia, the pension system is constantly undergoing certain changes. And over time, going on a well-deserved vacation is becoming more and more difficult. To minimize problems, you will need to study everything that will be brought to our attention.
About age
An application for a pension can be sent to the Pension Fund of the Russian Federation only at a certain age. Ideally, it is 60 years for men and 55 for the female half of the population. But there are exceptions.
For example, you can retire at 45-50 years of age (with seniority) or at 53 years of age. In addition, some people receive insurance rather than labor retirement benefits. And for them, the corresponding age comes later by 5 years. That is, women will be considered pensioners from 60, and men from 65 years old, respectively.
Future plans
It is also worth paying attention to some changes that they want to introduce in Russia. Now, the application for the appointment of a pension will be accepted only subject to the availability of 7-year work experience (earlier it was 5 years) and 30 pension points. They are accrued annually for each year of official employment.
It is planned to raise the minimum work experience to 15 years, and to raise the retirement age to 60-63 years for women and men, respectively. Or even let all citizens of the Russian Federation leave for a well-deserved rest by 63-65 years.
Nevertheless, so far it is planned to 100% raise the minimum length of service to receive the corresponding pension payments. But raising the bar for retirement age is still being postponed. Therefore, we consider the process of applying for a pension, relevant to date.
Content
The most important thing in the topic being studied is the content of the document. If you incorrectly fill out an application for the appointment of a pension (a sample of the paper will be presented later), problems may arise. Up to the point that you have to re-apply to the FIU with the corresponding request.
So, the correct document contains the following points:
- name of the institution to which the request is submitted;
- name of the paper with clarification;
- Applicant's full name;
- SNILS;
- address of the citizen's place of residence (and registration if the person does not live at the place of registration);
- Contact details;
- passport information;
- data on labor activity of a person;
- citizenship;
- information about unearned periods counted in the length of service;
- information about the dependents the applicant has;
- request for a pension;
- data on previously received pension payments (if any);
- date of request;
- signature of the applicant.
In addition, here you must specify the details of the account to which the pension should be transferred. More and more often, the FIU transfers funds by bank transfer. But for now, one can do without such measures and receive a pension by mail.
Paperwork
And what does the application for a pension look like? This document is drawn up in accordance with generally accepted business correspondence rules. It can even be written in free form. The main thing is that the text of the paper contains all the previously listed information.
Filing an application of an established form often comes down to adhering to a certain structure of writing a text. It will consist of:
- Hats. This part is written in the upper right corner. Information about the body accepting the application and the applicant is printed here.
- Names with specification. Begins with the word "Statement." It is written from a new line, in the center of the sheet.
- The main part with a request. This is the part in which all the information important for the appointment of a pension is written. And seniority including.
- Conclusions This component includes a list of attached documents (they will have to be numbered), as well as the date and signature of the applicant with a transcript.
There is nothing difficult or incomprehensible in this. But the very procedure for applying for a pension is often a lot of trouble. Especially if a citizen reaches retirement age ahead of schedule.
About early exit
Some people, as we have said, may retire ahead of schedule. For example, if they worked in hazardous industries or devoted themselves to service in military or state bodies.
In any case, an application for the appointment of an early retirement pension is filed and drawn up according to all the previously listed principles. If a person is refused this operation, he can protect and defend his rights in court.
The statement of claim will cost 200 rubles. It is necessary to describe in detail the violation indicating the authority that refused the operation. The claim for the appointment of a pension is executed in the same way as the other requests.
The term for consideration of the document is from 1 to 3 months. More than 90 days cannot be devoted to processing one request.
Usually, FIUs do not refuse to retire ahead of schedule if a citizen has a reason for this. If there was a refusal, then you will have to prove and confirm your special position in court. Otherwise, the claim for the appointment of a pension will not be satisfied.
Recalculation
It is important to remember that some categories of citizens may apply for pension recalculation. A similar service is provided by the FIU.
Who is eligible for recalculation? These persons include:
- 80 year olds;
- disabled people;
- those who have changed the number of dependents (in any direction);
- working in difficult conditions during the calendar period;
- moved to the Far North or to regions with special climatic conditions;
- people who have applied for retirement after employment;
- moved from the Far North to the usual regions of the Russian Federation;
- children whose parents have died and in connection with this they are entitled to financial support.
Typically, such applications for the appointment of a pension are considered for 5 days, but if an incomplete package of papers is submitted, the consideration period may increase to 90 days.
Transfer to another pension
In Russia, pensioners can choose for themselves what type of pension they will receive. But this is possible only when an elderly person is legally a contender for various payments.
According to the Federal Law No. 166 "On Pension Security", older people, if they have the right to several pensions, choose the most favorable payments for them. And if you wish, you can at any time require another form of pension.
The request is subject to review within 10 days. You can apply for a pension if you change it, either personally or through the State Services.
Documentation
Now we proceed to the most important moment - to collect all the necessary papers for going on a well-deserved rest. Without them, neither a statement of claim for a pension, nor an ordinary request of an established form will be considered.
Among the mandatory documents upon retirement are:
- ID with a registration mark;
- SNILS;
- TIN (if available);
- work book;
- certificates of unearned periods, which are counted in the length of service;
- birth certificates of children and marriage;
- military ID (for men);
- request for a fixed form;
- account details for the transfer of funds.
Any proof of early retirement entitlement, certificates, awards, and so on may also be required. Health certificates should also not be forgotten. All documents are attached with copies. It is not necessary to certify them.
Sample
The following is a sample pension application. To make such a paper is not so difficult.
This, as you might guess, is just one of the possible patterns. It will help to understand the general principles of compiling a document, but nothing more. You can apply it under any circumstances only by changing the text for yourself.