How to find out your pension savings. How to find out about your pension savings according to SNILS

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

Pension savings means funds accumulated in favor of insured persons, for which a part of the labor pension and / or urgent payment is established. Any resident of Russia can regularly check the amount of deductions. Read more about how to find out your pension savings.

General information

Since 2015, working citizens have formed insurance pensions and savings. The first are divided into three types: old age, disability, in case of loss of a breadwinner. Payments of pension savings can be urgent, lump sum or targeted. Rights are formed on the basis of coefficients or points. Citizens can receive old-age benefits if:

• have reached the age of 60 (men) and 55 (women), certain categories can start receiving benefits ahead of schedule;
• their insurance experience is more than 15 years;
• minimum accumulated points - 30.

For each year of work, a citizen gets pension rights in the form of points. Their number depends on the type of pensionsecurity. When forming only an insurance payment, a citizen is awarded 10 points. If funds are also directed to the formation of savings - 6, 25.

Employers pay contributions at a rate of 22% of the payroll. At the request of a citizen, this entire amount can be directed to the formation of an insurance pension. The second option is also possible: 6% of the tariff will be directed to the formation of the insurance, and 16% - to the funded part of the pension. The choice is available only to citizens born after 1966. Fundraising can be charged:

• PF RF by selecting a management company (MC).
• Non-State PF (NPF).

The selected organization will deal with the accounting of funds and their payment. But working citizens of the Russian Federation can at any time find out pension savings according to SNILS. There are several ways to do this:

• get notified by mail;
• make a statement from an individual account;
• via the Internet;
• at a branch of Sberbank.

In December 2014, the President of Russia signed a decree extending the moratorium on pension savings. All deductions in 2015 will be used to finance insurance pensions. What will happen to the management companies next is unclear.

How do I find out my retirement savings?

The Pension Fund sends information about the balance of the account annually to all persons who have begun their work experience until they retire. After receiving a letterit is necessary to check the correctness of the specified data: full name and personal account number SNILS. According to the document, you can track how conscientiously the employer made deductions last year. The cumulative part of the contributions is displayed in the 3rd paragraph of the notice (for individual entrepreneurs - in the 2nd). The figure for insurance contributions is shown in the 15th paragraph. How to find out your pension accumulation for the entire length of service? The total amount of deductions in two directions is displayed in paragraphs 4 and 16.

Also indicated in the notice:

• amount of funds transferred to the PF in trust management of the company;
• part of the contributions that were transferred under the Co-financing Program;
• the amount of maternity capital, which is aimed at the formation of the funded part of the pension;
• information about the selected management company and investment portfolio.

Such notices are sent in the form of registered letters, which are handed to the client under his signature. If the letter has not arrived, then you will have to personally contact the local PF branch for an account statement.

How to find out pension savings according to SNILS?

You can do it via the Internet. First you need to register on the State Services Portal. This process can be lengthy as the authorities need to identify the user. Upon completion of the procedure, you can enter the "Personal Account" using the SNILS number as a login. This method is the most convenient and safe, as it allows you to quickly generate an extract at any time of the day.

Bbranch of Sberbank

You can find out the savings in the Pension Fund through the portal of the credit institution. But first you need to register in the information exchange system. To do this, you need to contact the structural unit of Sberbank with a passport, SNILS and fill out an appropriate application. After registration in the database, the information will become available in the "Personal Account" of online banking. A similar application can be written at any credit institution in the country: Uralsib, Bank of Moscow, VTB, Gazprom. Here's how to find out the amount of pension savings.

Alternative ways

There is another option, how to find out the amount of pension savings. If a non-state PF was chosen by a citizen as the governing body for the accrual and payment of savings, then in this organization you need to find out the balance of the account. This information can be obtained by the client during a personal visit and provision of SNILS. Some NPFs provide such a service as a special service for an additional fee.

Improve security

Due to the increase in the number of cases of fraud, the state is tightening control over transfers of funds between PFs. Complaints about unauthorized transfers of money began to come from the Russians. A person draws up a loan for a consumer product, provides a copy of SNILS in a package of documents, and then, after a few months, receives a notification by mail about the transfer of funds to a non-state PF. According to preliminary data, the number of citizens deceived in this wayexceeds 26 thousand people.

But even if you received a letter about the transfer of funds, you should not panic. The problem can be solved. But you have to run around a bit. It is necessary to write an application to the non-state PF to terminate the contract. Better yet, complain to law enforcement. Then the NPF will be required to pass a reliability check at the Central Bank.

In the meantime, the state is trying to change the rules of the renewal procedure. If earlier it was enough to sign the contract of the future insurer, now it is necessary to notify the Pension Fund in writing about the voluntary transfer of funds to another organization. Forms and samples of such applications are already being prepared.

Other CIS countries

Data on pension savings via the Internet can be found not only by Russians. Since 2015, a similar scheme has been used in the Republic of Kazakhstan. How to find out pension savings? Through a special mobile application for smartphones and tablets. Since 2013, all insurance contributions of citizens are sent to the accounts of JSC "Unified Accumulative Pension Fund". Its shareholder is the government represented by the Ministry of Finance, and the National Bank will manage the savings.

How to find out your pension savings? You need to download the application from the online store. Then visit the PF branch, get a username and password. The application works using the standard https protocol with SSL certificates. ATduring the authorization process, information about the client is downloaded from the UAPF server. Once downloaded, the application opens with a menu bar. In the "Banking data" section, the details to which the savings are received are presented. You cannot edit this information. The "My savings" section consists of statements. You can view information on contracts of compulsory, professional and voluntary support. When you click on the corresponding line, an extract with the account number (IPS) appears.

Through the application, the user can also view the list of branches, their addresses and opening hours, send emails, manage security settings, change password and language.

Conclusion

Employer pays contributions to the Pension Fund at a rate of 22% for each employee. Since 2015, this entire amount has been directed to the formation of a seniority allowance. Citizens of Russia can independently monitor the volume of such deductions. How to find out where the pension savings are? You can apply to the fund for an extract, view the account balance on the website of the State Services or in the "Personal Account" of the bank.