Where and how to find out the amount of the funded part of the pension? Step by step instructions, required documents

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

The part of the pension that can be accumulated was first discussed in 2001. It was at this time that there were changes in the legislation regarding the pension business. Such concepts as basic, funded and insurance pensions appeared. At the same time, each separate part is financed separately from each other from different sources of cash receipts. Let's talk about how to find out the amount of the funded part of the pension.

What is the pension that accumulates?

As you know, the first mention of this began to appear in 2002, after the pension reform. Nevertheless, over the course of 13 long years there have been significant changes in legislation to improve the funded system. And in 2015, not only the concept of “contributory pension” took root, but the procedure for calculating it was also developed.

For todayday, the law provides for two concepts that are independent of each other - these are insurance and funded pensions.

Many people are confused and cannot understand what is their difference and what is a pension that can be accumulated. Every citizen of the Russian Federation has a personal personal account in the Pension Fund, on which funds are accumulated. Let's figure out exactly how they are credited there.

Pension formation principle

In order to understand how the funded part of guaranteed monthly cash payments for the material security of citizens in connection with old age is formed, it is necessary to consider the entire structure of pension income.

Currently, accounting staff transfer 22% of the wage fund for each employee to the formation of future pension payments. At the same time, accordingly, the higher the salary, the greater the deductions.

16% goes to the insurance fund and 6% to the savings fund. A person can dispose of the funded part independently.

During the period when work is over, and a person receives his well-deserved retirement vacation, he will receive 2 pensions - insurance and funded. And since 2015, citizens who are 48 years old or younger for this period can write an application for the transition to full insurance pension coverage or to an accumulation fund. You can replenish the funded part on your own by making additional contributions to your personal account, whichupon retirement, they will be paid additionally to the basic payments.

Contributory pension: check its size using SNILS

You can find out the amount of the funded part of the pension according to the insurance certificate and check what specific amount of money is on your personal account in two ways:

• using the worldwide system of interconnected computer networks - the Internet;
• directly at the branch of the pension fund at the place of residence.

Everything will depend on your ability and desire to get to the necessary information.

How the Internet can help

You can find out the amount of the funded part of the pension via the Internet by registering on the "Gosuslugi" portal.

This option is considered the most convenient and simple. Surely, many have already heard a lot about this system and, perhaps, are already registered in it. It provides great opportunities for every Russian, where he can not only find out the amount of savings in the Pension Fund system, but also order a mother's certificate, change his passport or enroll his child in a children's educational institution.

In order to successfully find out how much savings you have, you need to:

1. Register on the public services portal. To do this, you will need not only to indicate all the data about yourself and attach your phone number to receive an access code, but also to pass a passport and SNILS verification.
2. AfterTo receive a password, you must go to the portal and log in. In your personal account, click on the icon called "Pension Savings".
3. Next, open the tab by clicking on the button that indicates receiving information about savings.
4. After a while, you will see the data on your funds on the date of the request for information.

Find out the funded part of the pension on the public services portal.

How can I find out the amount by contacting the Pension Fund department directly?

Let's go to the Pension Fund for help

This method is suitable for those who do not get along with the Internet or, due to their age and material income, cannot afford it.

When going to the Pension Fund at the place of registration, take your passport and insurance certificate with you.

Employees of the fund will register you on the public services portal and provide you with information about your funds, that is, about how much funded pension you have on the current date.

Ask for help from experienced specialists of the Pension Fund, they will politely and clearly explain to everyone where and how to find out the amount of the funded part of the pension.

Find out information at Sberbank

How to find out the amount of the funded part of the pension if you are a member of the pension program and a member of the non-state pension fund (NPF) of Sberbank?

At the same time, you should know that you are investing your money not in a bank, but in a fund that already managesfunds received at your discretion. Invests your money and profits from it.

How to find out the amount of the funded part of the pension in Sberbank in this situation?

There are three ways to get information:

1. You need to visit a branch of a non-state pension fund and ask specialists for data on the amount of money savings in your personal account. At the same time, you must provide your social card.
2. Find information on the Internet. Sberbank employees will help you with this if you yourself are not able to cope with the task.
3. Use an ATM or terminal.

What happens to the funded pension after death?

After the death of a person, two types of payments remain on his account in the Pension Fund. This is the current pension, which was accrued but not paid, and the funded part. How to find out the amount of the funded part of the pension in this situation? To do this, you need to go through a series of procedures.

If a pension was accrued, but as a result of death a person was not given it, then relatives who applied to the Pension Fund with an appropriate application, passport, certificate of residence, death certificate and documents confirming family ties can receive it.

But with the funded part of the pension, the procedure is longer, since savings are considered inheritance. Get them on the basis of a notarized certificate. In the process of registration of the inheritance case, the notaryincludes in the inventory and pension savings of a person who left this world.

How to avoid the probate procedure?

There are only two basic rules according to which, after the death of a person, his relatives can come to the department dealing with pension affairs and write an application for receiving the part of the pension that has been accumulated. This is happening:

1. if even before the moment of his death a person came to the Pension Fund and wrote a statement in which he indicated who exactly should receive all the savings after the death of the owner of this money;
2. if the funds are concentrated in a private pension fund, then the identity of the citizen applying for the funded part is indicated in the contract.

At the same time, absolutely anyone can apply for payments, not even a relative.

How to find out the amount of the funded part of the pension of the deceased?

To do this, close relatives of the person who died must contact the Pension Fund and the NPF within six months after his death. These are parents, wives or husbands and children.

At the same time, if several people applied, the amount is divided equally among each.

In addition to the application, you must attach:

1. Passport of the recipient of funds.
2. If the funded part is drawn up as an inheritance, then documents are attached confirming the relationship with the person who died. It maybe a birth registration certificate or a marriage registration certificate.
3. Certificate confirming the death of a person, the funded part of which is inherited.
4. Insurance certificate of a deceased person. You can simply indicate its number.

If documents are sent by mail, then notarized copies are sufficient.

The application is considered within four weeks, and payment is made no later than the second decade of the next month.

How to find out which fund you belong to

It rarely happens, but in the daily routine a person sometimes forgets in which fund his funded pension is located. Therefore, to the question of where to find out the amount of the funded part of the pension, the question is added: in which PF am I? This problem will be solved by the portal of public services. To do this, you must go through the following algorithm:

1. Register on the portal, log in and enter your personal account.
2. Use the icon at the top of the page called "Retirement Savings".
3. After that, click on the button that is responsible for information on the personal account.
4. After the system has issued information about savings, you can also read which PF you belong to.

In addition, data on which pension fund you belong to:

1. Local Pension Office.
2. Accounting department at your place of work.
3. Sberbank branch.

How to find out the amount of the funded part of the pension, employees of these organizations will also tell you.