Any citizen going on a well-deserved rest has a legal right to retirement benefits. Often, the amount of pension payments is found to be insufficient for the normal existence of a pensioner without the help of children and continued employment. Therefore, the government makes a promise on the lump-sum payment of pension savings in addition to the main income due to the size of pension payments.
What is such a payment?
In the event that a citizen has accumulated a pension share by the end of his employment, he can claim his right to a one-time return of these funds.
In order to receive a lump sum payment of pension savings funds, you must submit a certain type of application to a specialized organization to which your funds are allocated. Certain categories of pensioners may receive a one-time allowance every five years. In addition, the payment includes:
- means of insurance payments transferred by the employed person during the whole activity in accordance with the requirements of compulsory pension insurance to the funded part of the pension of the insured person;
- for persons who participate in the plan for municipal co-financing of pensions - calculation of insurance payments additionally paid as part of the funded part of the retirement pension; the amount of payments of the organizers participating in the co-financing program;
- profit from investing the above funds.
Who is entitled to a lump sum payment from the funded part of the pension?
Explains how to get savings, pension reform and a number of regulations. In addition, the FIU regularly provides official clarifications on its official website and in the media. Categories of persons who are entitled to receive a lump sum payment of pension savings:
- Citizens of retirement age who do not have the minimum length of service required for calculating age insurance benefits.
- Persons who have not yet applied for a pension. The accumulated funds of such categories of citizens were not integrated into the total amount. In this case, in order to receive a one-time subsidy, it is necessary that the share of the accumulated part at the maximum possible amount of payment that is paid each month be no more than 5%. In the event that a funded pension was previously established, a person does not have the opportunity to apply for a subsidy.
- Citizens who are seeking retirement benefits on a problem related to the loss of the breadwinner, and those who receive a disability pension.
- Citizens who do not have the right to receive monthly pension benefits due to a lack of seniority, but who are subject to municipal security in the form of a social pension.
New in pension savings legislation
Currently, the government is developing a project according to which any individual has the opportunity not only to receive monthly pension payments from pension savings made earlier, but also to rely on a one-time social benefits. allowance. In addition, each elderly person is given the opportunity to receive emergency pension payments of social assistance organized at the expense of voluntary insurance payments.
Opportunities for broadcasting the rights to receive social assistance by successors have also become wider. A couple of years ago, a legal representative could receive social assistance only if the insured citizen died before he was granted a pension. In accordance with the adopted law, in the event that after the death of the insured person there remains an unpaid part of the urgent pension payment, successors have every chance to claim it. The innovations concerned a number of succession problems of social assistance accumulated through maternal capital.
Types of Pension Payments
The federal law of the Russian Federation notes: every citizen, not counting the indefinite payments of pension funds, can hope for one-time payments to people of retirement age. Pension benefits are of the following types:
- Emergency retirement benefit.
- Unified payment of pension savings.
- Public support accrued by approximation of retirement age.
- Payment of funds of the insured pensioner to his representatives.
Branch Payout Transfer
What needs to be done so that a lump-sum payment (all pension savings funds) from the funded part is paid? To begin with, of course, make a list of necessary certificates. This list includes the following documents:
- copies of the main pages of the identity document of the applicant;
- SNILS;
- confirmation of pensioner's compulsory insurance;
- papers in which information will be provided on why and in what amount the payment of pension funds is realized;
- bank account to which payments will be made;
- power of attorney, if the appeal comes from a third party;
- if the application comes from a third party, a photocopy and his passport will be required.
The list of documents for receiving a lump sum payment of pension savings funds may be supplemented with other certificates at the request of the FIU. The need to provide additional paper will inform the employee of the department.
We appeal to the FIU
A lump sum payment is made by the pension fund. There are cases when a client at a specified time cannot make a visit directly to the nearest branch of a pension organization. It is possible to send your appeal or application to the organization through mail or through Internet resources. In this case, it will be necessary to send the application form itself and photocopies of the above basic certificates, having previously certified them with a notary. In the event that a citizen cannot come to the fund due to the fact that he is currently abroad, this package of documents can be sent through the embassy of the Russian Federation in the host country. In addition, a legally authorized person has the right to apply for a lump sum payment to people of retirement age if he has a notarized power of attorney for similar operations.
It is worth noting that due to the death of the owner of the pension accumulations, they move to the nearest of the successors. Leading condition: the latter must have a notarized power of attorney for savings, signed during his lifetime by the pensioner himself.
Payment rules and application
The rules for a lump sum payment by the pension fund are established by him. The right to a one-time payment to people of retirement age must be filled in according to the official form, which an employee of the organization will help to cope with. Turning to the employee of the PF, for which you are fixed, carefully, not rushing anywhere, and clearly fill out the application form of the established form for the return of funds. A package of documents should also be attached to the paper.
As a rule, during the first days after the appeal, the employees of the pension department should check the customer's data for authenticity. In accordance with the verification, a final decision will be made on the consent or refusal to transfer the pension supplement to the client.
Got your inquiries back?
The return of documents received from a client in a pension fund occurs in several cases:
- if several copies are missing in the provided package of documents;
- if the information provided by the client does not correspond to the indications of the organization’s base;
- in the event that the application received from a citizen cannot be read due to the sloppiness of the written text.
How long does it take to wait for a decision?
As life practice shows, in the case of a positive decision, a response from the pension fund will follow in 20-25 days from the day the papers were submitted. It is possible to receive a lump-sum pension payment from accumulation only once in a five-year period.
What premium to expect?
To accurately determine this amount, you need to make a calculation. The size of a lump-sum payment to pensioners depends on the amount of pension savings funds that are in your personal bank account at the time the old -age pension is awarded . So, for example, citizens born before 1970, pension savings were formed over three years - from 2003 to 2006, the amount of payments will vary in the amount of 5-10 thousand rubles.
Positive aspects of pension payments
There are several criteria that determine the benefits of one-time retirement benefits. Firstly, these payments authorize the reduction of pressure on the state budget of the country. Secondly, such benefits also affect pensioners who still carry out their work activities. And thirdly, payments are available to absolutely all residents of the retirement age of the Russian Federation. This aspect will be especially important for those people of advanced age who receive the minimum pension payments.