Payments of compensation "Rosgosstrakh". Compensation under contracts concluded before 1992

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

Payments expected under insurance contracts that were signed before 1992, the state attributed to the internal debt to the population. The insurance company Rosgosstrakh is responsible for the preparation and collection of documentation necessary for the calculation and subsequent payment of compensation. She was appointed as the full successor of the insured "Gosstrakh" of the USSR.

To process requests from the public, a special unit called the Settlement Center for Compensation Payments was created. This branch is located in the city of Ryazan, and it is on it that the relevant duties are assigned.

This article will consider the payment of compensation by Rosgosstrakh.

Official data

Rosgosstrakh does not make compensation payments on its own and is only an intermediary (operator) between the insured person and the state. Thus, the main responsibility of the center is to collect and process requests,coming from the population. Direct payments are made by an organization such as the Federal Treasury.

In order to apply to the RKTSV, it is necessary to prepare a package of certain documents, and then send it by Russian Post by registered letter. In this case, it will not be superfluous to request a notification of delivery. A letter with a request should be sent to the official address of the organization: 390046, Ryazan, Vvedenskaya street, 110. The recipient must indicate the RCVC. This center is the only one for residents of the whole country, it accepts applications regardless of the region in which the insurance contract was concluded.

How are Rosgosstrakh's compensation payments made?

Scheme of work

RTsKV "Rosgosstrakh" first accepts documents from a citizen, and then registers them. After that, a search is carried out and entered into a single database, the amount of the compensation payment is calculated, which is due in accordance with the documents provided. The next step is to file a special application for compensation.

Documents are considered no more than two months.

RCCV draws up an application and then sends it to the Regional Department of the Federal Treasury for the city of Ryazan. This branch makes direct compensation payments from the state budget. Transfer of funds is carried out to the bank account indicated by the applicant.

It should be noted that before submitting documents for payment, a citizen shouldcheck with your bank whether the service agreement involves the transfer of additional amounts or such an action is prohibited.

Who has the right to claim compensation for insurance in Rosgosstrakh?

In accordance with the fifteenth article of the federal law No. 415 of December 19, 2016, the state guarantees the continuation of the payment of compensatory indemnities under accumulative insurance contracts that were concluded by citizens before the onset of 1992. Only one condition must be observed: the sum insured (redemption) should not have been paid before the onset of 1992.

Thus, persons who have drawn up insurance contracts before the beginning of 1992 have the right to apply for a compensation payment. Citizens who have entered into contracts with the Gosstrakh insured and their successors can also receive compensation. However, the citizen must have all the necessary documents available.

RCCA works exclusively with citizens of the Russian Federation.

What documents are needed to receive compensation from Rosgosstrakh?

Drawing up an application

Specialists working in the RCCA strongly advise you to check the date of the conclusion of the contract: whether it was really made before 1992. In addition, the insurance group needs to be clarified. It can be child, retirement, wedding and mixed. Rosgosstrakh pays out only for these insurance groups.

First of all, to process the paymentcompensatory nature through Rosgosstrakh, it is necessary to write an appropriate application. It can be drawn up directly by the insured person, as well as by a person who has a notarized power of attorney.

When writing an application, a citizen must state the situation in as much detail as possible and list all the documents that he is attaching. In the event that a corresponding entry is not found in the database, the insurer has the right to request additional documents. In this case, you will have to attach an extract from the place of work on insurance contributions made every month to a copy of the insurance certificate. The application form can be downloaded from the intermediary's official website.

Package of required documents

The list of required documents for receiving insurance compensation from Rosgosstrakh is quite extensive. The citizen will need to attach to the application:

• Copy of Russian passport.
• Insurance policy. It can be replaced by a personal account statement or an explanatory note that can be obtained from the insurer.
• Confirmation of recalculation. In 1991, a forty percent increase in insurance premiums was made.
• If a citizen changed his last name during the insurance period, then supporting documents are required.
• If the application is drawn up by the heirs, then a copy of the death certificate is required.
• A document confirming the citizenship of a deceased person. For this, a certificate from the registry office, the Federal Migration Service or from a notary is suitable.
• Documents that confirm the right to inherit.
• Current details of a bank account, if a transfer to the account is expected, or a notification from the Russian Post if the money will be withdrawn through this organization.

Where to send papers?

Paper must be sent by registered mail to the address that we indicated a little higher. An alternative option is to personally take the package of documents to any branch of Rosgosstrakh.

After the Center considers the citizen's application, he will notify him of the possibility of obtaining compensation from Rosgosstrakh (insurance was issued before 1992) and the timing during which the payment will be made. If during the review it turns out that the applicant has not provided all the necessary papers, he will receive a letter containing a request to submit documents that are missing. Judging by the feedback from consumers about compensation payments, then at first only the application itself should be sent to the organization. And after receiving a response, send a package of required papers.

Volume of compensation payments

When calculating compensation until 1992, Rosgosstrakh relies on certain rules. First, if the applicant was born before 1945, then he will receive the amount that remained in his account until 1992, tripled. The only thing is that payments that were received earlier will be deducted from the amount. If the applicant was born between 1946 and 1991, then the balance of the account, doubled, is payable. So considers the amount of compensation "Rosgosstrakh".

If the application submitssuccessor, then he can count on receiving compensation for the money spent on funeral services. This rule applies if the depositor died from 2001 to 2016. The total amount of such material assistance will not exceed six thousand rubles. In the event that the contribution of the deceased insurer exceeded 400 thousand rubles, then the assignee may receive compensation for the entire amount spent on the funeral. An alternative option is that the policyholder will offer the applicant the amount of the account balance increased by 15 times. Compensation for Soviet insurance in "Rosgosstrakh" is easy to get.

When calculating compensation payments, the value of money in 1991 is taken into account.

The amount of compensation may also depend on the date when the insurance contract with Gosstrakh was terminated. The RCCA considers each case on an individual basis. The applicant will only be informed of the amount of funds to be paid and the deadline for its implementation.

If the applicant needs more detailed information, he can contact the special hotline of the RCCE. Before making a call, you will need to prepare all documents that can confirm oral information.

What are the nuances of calculating compensation for Soviet insurance in Rosgosstrakh?

Reducing factors

All reduction factors along with the amount of compensation are regulated by law. They depend on such factors as the duration of the insurance contract. The coefficient can be from 1 to 0.6, for more information, please call the hotline.

KFor example, if the contract was valid until 1995 and the payment was made in the same year, then a reduction factor of 0.9 will be applied. If the contract was terminated in 1992 and payment was received in the same year, then another reduction factor will be used coefficient – 0, 6.

Where can I write an application for compensation from Rosgosstrakh? We will talk about this later.

Payment of compensation through the bank

Today, it is possible to make all compensation payments through the Rosgosstrakh bank. He has been working in the financial sector for over 20 years and holds leadership positions. If the applicant draws up the receipt of compensation from Rosgosstrakh to an account opened with this bank, then he should take into account the following nuances:

• A bank account will be opened automatically upon receipt of the application. That is, you will not need to perform any additional actions to open an account.
• The Bank informs about the crediting of the compensation payment via SMS or registered letter. In this case, the applicant will not incur additional costs.
• Money can be withdrawn from the account at any additional bank branch or at the Russian Post office, presenting only a passport.

It is worth noting that consumers about the payment of compensation in Rosgosstrakh Bank leave entirely positive feedback. The only desire of clients at the moment is the possibility of remote paperwork.

Recommendations

Experts advise not to delay filing a request with the RCCE. Basicthe reason is the lack of legally established deadlines for consideration of applications and the procedure for the implementation of compensation. Each year, the Government determines the amount to be allocated for compensation payments.

In practice, every year, by the beginning of autumn, there are many pending applications due to lack of funds. As a result, the RTsKV is forced to suspend the acceptance of documents until such time as a new order of the Government of the Russian Federation arrives. For example, this year the state allocated more than eight billion rubles for compensation payments.

So, we have considered the compensation payments of Rosgosstrakh.