Individual personal account in a pension fund: checking and maintaining an account, the procedure for obtaining statements and certificates

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Very many Russians want to know about the state of their individual personal account in the Pension Fund in order to be sure of the future and that they receive or will receive their pension in the desired amount. Now everyone can do it in the shortest possible time without much effort.

What is the HUD?

First of all, let's try to find out what a personal account in the Pension Fund is. So, this is an account that is assigned to all Russian citizens, without exception, who have registered with the Pension Fund. As soon as they have done this, they are immediately assigned a certain account number for the rest of their lives and an insurance certificate of compulsory pension insurance is issued, which a person should carefully keep.

Unlike a bank account, you do not keep your money on an individual personal account in the Pension Fund. It is necessary solely to maintain a certaininformation on the basis of which you can calculate your future pension or find out how much you receive pension contributions at the moment. Therefore, when a working pensioner looks at a printout of a statement from your personal account, he will only be able to see there:

• the amount of payments and accrued insurance premiums;
• value of own pension coefficient;
• their places of work;
• work experience;
• name of the insurer of their personal pension contributions.

And of course, if a person works unofficially, his employer does not make any insurance contributions to the Pension Fund, then there will be no information in the statement, there will be no insurance period either, which means that the citizen will not receive a pension. Therefore, in order to avoid such troubles, it is better to work officially and monitor the status of an individual personal account in the Pension Fund in advance.

If a person has already retired, then in the printout from the account he will see only the date of assignment of pension contributions to him, the amount of the insurance pension and the amount of the mandatory fixed payment to the insurance pension.

Request statement through "Sberbank online"

There are a huge number of ways to find out the status of a personal account in the Pension Fund, but one of the most popular among them is submitting a request for an extract from it using Sberbank via the Internet. To do this, visit "Sberbank online", where you can go from the official website of the bank using the linkside or top menu. Then you should go to the page called "Statement of the state of the ILS". Next, click on the link "Get an extract" or "Operation with PF" and then we get to the page called "Application for an extract from the PF of the Russian Federation", where you will see a confirmation button. If by this time you no longer want to find out the account information, it will be enough to click the "Cancel" button, and if you want to continue, you will need to click the "Confirm" button.

As soon as you follow this link, you will find yourself on a page where you will see the completed form of your request about the status of your personal account in the Pension Fund. Next, you will need to check if everything is filled in correctly there, and click the "Confirm operation" button. Further, your request will be processed by the operator, and when the inscription "Executed" appears next to your application, you will finally be able to see your account data by clicking on the page called "Statement of the state of the ILS" link "View statement". If you want to not only view it, but also print it, in order to have the necessary information on hand, it will be enough to press the print button, and then the site will display a form on the device screen that can be printed on the printer.

Request an extract through a branch of Sberbank

There is one more answer to the question of how to find out about a personal account in the Pension Fund using Sberbank. Turns out,this can be done by submitting an application to an authorized branch of this bank. It is worth remembering here that not all branches of Sberbank of Russia will be able to find out about your account, so the first thing you need to do is find out about the location of the point for receiving applications from insured persons. To do this, you will need to go to the website of the Pension Fund of the Russian Federation, follow the links "About the Pension Fund" and "Pension Fund Branches" there, and then follow the link whose name matches the name of your district and region. After that, click on the link "About the branch", and in the submenu that opens, click on the link "Points for receiving applications", after which you can find the addresses of Sberbank branches and select the one that is closest to you at your place of residence.

Having found the necessary address to obtain information about the status of an individual personal account in the Pension Fund, we take our passport and insurance certificate card with us and go to the bank office. In the same place, it remains just to approach the operator and request the necessary data for any period. However, it is worth remembering that information is provided free of charge only on data for the last year. In other cases, you will have to pay the cost of the service to the cashier. As soon as you do this, you will immediately be given a form with all the necessary information, which you can immediately read and which you can dispute if it is not true.

Request an extract through the website of "Gosuslug"

Another way to get an extract from an individualaccount of the Pension Fund is to submit an application on the Unified Portal of State and Municipal Services. In order to receive a statement using this site, you will first need to register there. This procedure, however, will take quite a long time, but it's worth it, because on the portal you can find out information not only about your future or current pension, but also order a number of services. Therefore, it is enough to work once, and then calmly use the site for as long as you like.

First of all, to obtain information about a personal account in the Pension Fund, you should go to the EPGMU website and click the "Registration" button there. Then you will see a field in front of you where you will need to enter your mobile phone number or email address. At the second stage of registration, you will have to enter your passport data, index, password and insurance account number. After that, an activation code will be sent to you by mail, which should arrive within a month, and you will finally be able to enter your personal account on the Gosuslug website, where you can order a statement on the status of your account.

Request an extract from the Pension Fund

You can check the personal account of a pensioner in the Pension Fund and by submitting an application to the Pension Fund of Russia itself. This can be done both in person, for this you should come to the Pension Fund branch, or by submitting an application by mail, in order to then receive an answer in the same way. Regardless of how you apply, the first step is tofind out the address of your PF Department, for which you will need to go to the official website of the fund and determine the exact location there.

Next, you should decide whether you have time to go to the office or not. If you have free time, then you will need to take the insurance certificate and passport, and then go to the Pension Fund, where you will apply for a statement of the state of the personal account in the Pension Fund. After that, the specialist will verify all the data, approve your request, and after 10 days you can safely pick up the document you need in this very department.

If you don’t have time to visit the office, you can find out the status of your personal account in the Pension Fund by sending an application by mail. To do this, you will first need to make photocopies of your passport and insurance certificate, which should be notarized. Next, you will need to write an application for an extract from your personal account, indicate in it the method of receiving a response (by registered mail or in person in the PF), put all the documents in an envelope and send it to the address of the Pension Fund. And then, as in the case of a personal appeal, it remains to wait 10 days, and the statement of the state of your account will be in your hands.

Request an extract from the Pension Fund via the Internet

Thinking about how to check a personal account in the Pension Fund, do not forget about the official website of the management, where you can also submit a request for the information you need. Indeed, in order to take advantagethis site, you will need to pre-register on the public services portal and receive confirmation of registration. It's not difficult at all, but as a result, you can access many services and make your life much easier.

After you register on the Unified Portal of State and Municipal Services, you will get access to your personal account with a personal account of the Pension Fund. There you will immediately, without submitting an application, clearly see all the necessary information about the insurance period, places of work, wages and insurance contributions. You will also find out there what pension savings you have and what contributions you or your employers have made under the State Pension Co-financing Program. And most importantly, in your personal account there is a personalized pension calculator with which you can easily find out about the amount of your insurance pension.

Additional ways to find out the status of your HUD

In addition, you can check your individual personal account in the Pension Fund in several more simple ways:

1. You can get all the necessary information once a year from your employer, who will instruct the accountant to print out a form for you, which will indicate all your insurance premiums.
2. Taking your passport and insurance certificate with you, you can apply with a request to provide the information you need to the Multifunctional Service Center, where the operatorwill provide you with all the data you need.
3. You can find out about your personal account through a credit institution with which the Pension Fund of the Russian Federation has insured your pension savings. This can be done using Internet banks or a terminal, as well as by visiting organizations in person.
4. Moreover, the necessary information can be obtained from the bank,

Information in HUD

Now that we have figured out how to get a certificate from the personal account of the Pension Fund, let's take a closer look at its contents:

1. Your initials and date of birth will be indicated on the top of the first page.
2. Your insurance number will be displayed immediately below them.
3. Next, you will be able to see the pension option you have chosen and see the number of pension points you have accumulated, which is your individual pension multiplier.
4. Then there will be one section with your premiums paid since 2015 and another one with premiums paid before 2015.
5. Here you will also see information about your place of work and the name of your employer.
6. The third section will contain all the data on your formed pension savings, which are displayed if you transfer additional funds to a funded pension.

Pension amount

Separately, it is worth mentioning the section of the individual personal account in the Pension Fund, which will indicate the amount of the pension received by the pensioner. This section appears on the account statement only after the person logs inpension. At this moment, line number 5 appears, where it is written from what date your pension was established. Further under it there will be a line where the type of insurance pension is indicated - for old age, disability or loss of a breadwinner. It will also be possible to see information about the pension accruals themselves, since the total amount of the pension, the amount of its fixed payment, and the amount of the insurance pension are indicated there. This information will allow you to find out how much you receive and make sure that all accruals are made to you correctly.

Separately, it is worth mentioning the size of the pension of a working pensioner. For such people who have already retired by age, but continue to work, the statement from the personal account will contain information about what kind of pension the person would receive if he did not work. Thus, the pensioner will immediately understand whether it is profitable for him to continue working or it is better to quit and live on pension savings.

Add missing information to HUD

If, after checking the status of an individual personal account with the Pension Fund, you find that some of the data there is not true or there is no information about your insurance premiums, then this should be corrected immediately. To do this, you need to collect all the documents that confirm the information that you want to add to your account and take them to the Pension Fund located at your place of residence. If you cannot personally take them, then they can be sent to the address of the department, having previously assuredsupporting documents at the notary.

Where can I get documents that could supplement the missing information that you did not see when you looked through the information about the personal account of the Pension Fund? The answer is very simple. To obtain data on your place of work before 2002, you should contact your former employer, who will have to provide you with all copies of documents that are related to your activity, that is, a copy of the entry in the work book, an order to transfer to another job or an order to dismissal, as well as a certificate of salary and all insurance accruals. If the enterprise where you worked was liquidated, and you cannot contact your former employer in any way, then the necessary documents can be obtained from the archive organization.

You should also remember that if you saw incomplete data on the length of service, places of work and insurance premiums in your personal account, they can be supplemented by handing the operator from the Pension Fund documents such as:

• work book of the established form;
• a written employment contract you entered into with your employer;
• an extract from various orders regarding your hiring, dismissals, transfers to another position or other duty station;
• Your pay slip.