Transneft corporate pension indexation in 2020: latest information, tips

Transneft Indexation of Corporate Pension in 2020

The power engineer is required to know every frequency operator at the facility where he works.
His job is to repair any components in advance, preventing them from breaking. The issue of increasing wages is relevant for all areas of activity. The population really hopes for immediate stability in the country. Of course, problems do not disappear on their own and are resolved with great responsibility. Energy workers carry out their work in the energy industries. The chief power engineer is engaged in the creation of technically correct operation and repair of power systems and power equipment. To increase the efficiency of his work, a power engineer must use modern technologies in production. It is important to know that a category such as additional corporate pension ensures the performance of several significant functions. Any of our production facilities is a large technical structure, with large capacities, high energies, high speeds. Just for clarity: imagine a working main pumping unit. It's a truck-sized metal structure where everything spins and moves at high speeds under pressure. For some pumps, the power of the driving electric motor is 8 - 12 megawatts - more than that of train locomotives. And at any oil pumping station, of which we have more than 500 in our system, several such pumps are installed. Or, say, a tank of fifty thousand cubic meters. A structure with an area of almost half a football field, the height of a 5-story building, filled with oil, which is in a precisely calculated movement - inflow, storage, discharge. In addition to the Pension Fund, non-state funds can also be money managers. Often large companies place such funds in the accounts of non-state funds. This allows you to significantly increase the level of payment that the employee will receive. Such pensions are called corporate.

Transneft Indexation of Corporate Pension in 2020

You need to know that the activities of non-state pension funds, the size of a non-state pension, the conditions for its assignment and the payment period are categories that are strictly regulated by the Law “On Non-State Pension Funds”.

The solidarity system involves the payment of pension contributions, subject to income tax, by the employer in accordance with a single account. It is necessary to add that the timing of payments and the duration of such a category as corporate pension are established directly by the enterprise. The average salary of a power and electrical engineer in the country is 40,000 rubles. This amount is significantly higher than the average monthly income of the working population. As for the minimum salary for an employee in this field of activity, it is 30,000 rubles, and the highest is 72,000 rubles. In Norilsk, the highest salary for an energy worker is recorded, it is equal to 60,000 rubles, and in Moscow - 55,000 rubles. The minimum salary in St. Petersburg, Khabarovsk and Tula is 45,000 rubles. Even lower wages are observed in cities such as Rostov and Yekaterinburg.

The essence of non-state pension provision. What is a corporate pension?

A category such as corporate pension supplement is directly related to non-state pension provision. One way or another, the latter falls on par with the main types of pension provision in the Russian Federation, including government payments and compulsory insurance.

Non-state pension provision should be understood as an additional opportunity for citizens to create another type of payment at the time of their own retirement by drawing up an agreement with a selected non-state pension fund. It is important to note that the corporate pension (“Rosneft” for example), one way or another, depends on the following parameters:

The period of payment of funds as a pension.

Specific amounts of contributions that are paid by the investor.

You need to know that these conditions are reflected in detail in the individual plan or pension scheme, which in any case is attached to the concluded agreement. By the way, the latter should be considered an agreement accepted by participants in non-state pension provision, which lists all the obligations and rights of each party. It is important to know that a category such as additional corporate pension ensures the performance of several significant functions. Among them are the following points:

Cash saving function.

Accumulation function. It must be added that the receipt of investment income should be taken into account here.

The function of guaranteeing payment when an insured event occurs. By the way, the latter includes the loss of a breadwinner, reaching a certain age, loss of ability to work, and so on.

You need to know that the activities of non-state pension funds, the size of a non-state pension, the conditions for its assignment and the payment period are categories that are strictly regulated by the Law “On Non-State Pension Funds”.

Indexation of Transneft Corporate Pension in 2020

Changes in the calculation of pension benefits were fixed by the draft federal law on the PFR budget for 2020. The same project lays the foundations for the financial pension policy for 2020-2021. The future law formalizes the decisions to improve the pension system, which the president announced in his speech on August 28, 2020.

Indexation of pensions for pensioners is recalculated within three months from the date of termination of work. The employer submits information to the Pension Fund about the fact of his dismissal. Even if it takes a long time to recalculate the pension, it will be paid in an increased amount, starting from the first month of well-deserved rest.

Indexation of pensions for employees of the Ministry of Internal Affairs is planned for 2020

Preferential bonuses for former employees of the Ministry will be paid from the amount of calculated pension data, which depend on the age of the Ministry of Internal Affairs employee, his status and marital status. For example, employees of the Ministry of Internal Affairs who have received a long-service pension can receive such allowances as

Every year the government indexes all “varies” of pensions. Each payment increases by its own percentage, sometimes several times a year. Due to the fact that representatives of internal affairs bodies have always been highly valued in our country, the increase in the pension of the Ministry of Internal Affairs in 2020 will happen in any case. However, there is no data yet that these will be any significant increases in payments for 2020.

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Corporate pension Transneft forum

If the Participant has not made pension contributions for a full year, but only for one or several months, the Contributor makes a pension contribution to the Participant’s personal pension account in an amount calculated in direct proportion to the amount of the contribution actually made by the Participant during the year, based on the above minimum amount pension contribution of the Investor in favor of the Participant. Funds accounted for in personal pension accounts are generated from the following sources: - employee contributions to his own benefit to NPF Transneft; — employer contributions to NPF Transneft in favor of the employee; — free funds of the Depositor’s joint account; — income received from the placement of the Fund’s pension reserves.

For pensioners who have worked for the company for more than 20 years, as well as those who have insignia and honorary titles, the company adds appropriate payments to their pension. For former managers, increasing coefficients are provided for payments.

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Transneft corporate pension in 2020

Changes in pension legislation have become one of the most discussed topics of the summer. President of Transneft PJSC Nikolay Tokarev, in an interview with Interfax, spoke about the situation of the company’s long-serving employees, their prospects and the protection of labor rights. First of all, I want to emphasize that the president is absolutely right when he talks about the need to create conditions to protect the labor rights of citizens of pre-retirement age. First of all, we are talking about guarantees of maintaining employment and real opportunities for professional development and advanced training. The principles of retaining and developing personnel, building long-term relationships between employer and employee are fundamental.

Departmental provision involves the employer accumulating employee funds in the accounts of non-state funds. They, in turn, invest funds and make a profit. As a result, the amount of money increases.

How a corporate pension is formed and calculated using examples

To solve the tasks set in the formation of corporate pensions, a special service is being created in the company. It develops the main ways to achieve the set goals, and also ensures active interaction with the selected non-state pension fund. Based on this cooperation, the following points are being developed:

quantitative and qualitative composition of participants;
the basic principles by which financing is carried out;
establishing the reasons and grounds for which an employee can receive these payments;
methods by which their size is calculated.

These principles vary from company to company. For clarity, we can consider the largest of them.

Corporate pension at Rosneft

Rosneft implements a corporate pension program based on the duality of contributions. On the one hand, investments are provided by the employer. But for maximum profits in the future, it is recommended to conclude an individual agreement between the employee and Neftegarant, the fund that provides payments.

To receive these funds upon reaching retirement age, two basic conditions must be met:

The employee's continuous service must be at least five years;
if the employee was fired, it was not for any offense.

The company emphasizes that for better pension provision, the employee must actively participate in it himself.

In Transneft

Transneft offers a whole system of organizations. A corporate pension is also formed for their employees, which has three main types:

old age payment;
upon receipt of disability;
upon loss of a breadwinner.

Requirements are also established for the early assignment of pension benefits. It is accrued monthly for the entire period during which the relevant grounds are in effect. If we are talking about old age, then the funds are paid for life. If they are appointed due to disability or loss of a breadwinner, they will be paid until this status is maintained.

JSC Russian Railways - corporate pension

The non-state pension fund Blagosostoyanie provides payments to employees of Russian Railways. The system also involves the joint participation of both employer and employee.

You can count on accrual of funds upon reaching five years of service. However, the right to receive them is retained even if an employee moves from one company to another within the framework of a common organization.

Sberbank corporate pension

Sberbank has its own savings fund for non-state pension provision. With its help, a corporate pension is formed. However, one can participate in the proposed system only after achieving three years of work experience. And only after seven years a personal account is opened for the employee.

It is formed on the basis of the down payment, as well as accruals for a specified period. This scheme is designed to motivate long-term cooperation with employees and adequately ensure their social protection.

Indexation of corporate pension Transneft 2020

Companies try to retain employees and motivate them to work to increase company income. For this purpose, various bonuses, bonus programs, etc. are often introduced. Another mechanism to increase employee motivation is a corporate pension, which will allow an employee to receive additional payments after retirement.

It is necessary to understand that the amount of maintenance, first of all, depends on the amount of income at the place of work. After all, the greater the payment to the employee, the more funds the employer transfers to the non-state pension fund. Accordingly, more money is invested by the fund and more income is generated.

Rosneft will carry out indexation of pensions

For non-state pension insurance of employees, Rosneft established NPF Neftegarant, which in February 2020 transferred from the control of the parent company to the management of the Group. The indexation of Rosneft pensions is good news for investors, which may confirm a new stage for the company after losses caused by sanctions. The return on Neftegarant's investments for 2020, according to a report from the company's official website, amounted to 10.37% per annum, which exceeds the average return on bank deposits in 2020. (7-8% per annum).

How is corporate pension calculated at Rosneft?

Rosneft will index pensions. The main state oil company will index pensions paid to former employees. The head of the corporation, Igor Sechin, spoke about this during an interview with the TASS agency.

Each payment increases by its own percentage, sometimes several times a year. Due to the fact that representatives of internal affairs bodies have always been highly valued in our country, the increase in the pension of the Ministry of Internal Affairs in 2020 will happen in any case.

A corporate pension is assigned not only for old age, but also for disability, in the event of the loss of a breadwinner. For workers engaged in hazardous and difficult work, living in the Far North and equivalent areas, benefits are provided for the early assignment of a non-state corporate pension.

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Pros and cons of a corporate pension

It is no secret that in Russian society there are many voices - both for and against - the decision to increase the retirement age, approved by President V.V. Putin. There are quite serious arguments in favor of both points of view. And among the most painful issues that concern citizens, the issue of labor protection for people of pre-retirement age stands out...

However, the size of the pension received cannot always fully provide for Russians financially. In order to increase the social security of citizens, another mechanism for the formation of additional payments with the participation of the citizen himself was established at the legislative level. Employers play an important role in the non-state pension system. They can also take part in the process of accumulating future pensions for their employees, and different corporate pension programs can be developed for different categories of employees.

Pensions in March 2020

Russian pensions increased by seven percent on the first day of the new year. This figure – 7.05% – is almost twice the inflation rate and gives an average increase of one thousand rubles per month. However, as Labor Minister Maxim Topilin emphasized, 1,000 rubles is an average figure: for some, the pension increase will be higher, for others a little lower. It all depends on what salary the citizen received before entering his well-deserved retirement and on how much work experience he managed to accumulate. In general, the national average pension level should be 15.4 thousand rubles.

The next increase will take place in the spring - in April, social pensions will increase by 2.4%. For now, this is only a projected level, since it depends on the increase in the cost of living over the past year. If the expected growth turns out to be correct, then the average payment will be 9.2 thousand rubles.

Increase in wages for Transneft employees 2020

Wage indexation in commercial organizations: reasons, when it is carried out in 2020, procedure

The decision on pension reform has been made, and now our common task is to ensure the effective implementation of new standards in practice, firmly adhering to the principles of legality, fairness, responsible and attentive attitude towards people.

Participant of corporate non-state pension provision

- an individual who is in an employment relationship with the Investor, as well as his dependents (in the event of the death of the Participant during the period of validity of the pension agreement), to whom, in accordance with the non-state pension agreement concluded between the Investor and the Fund, payments of a corporate non-state pension must be made or are being made.

Savings Bank has its own non-state pension fund, specially created to form the funded part of the pension. From the funds of this fund, Sberbank employees are paid a corporate pension upon their retirement.

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Conditions for receiving a Transneft pension

That is, if in relation to government payments indexation is carried out on the basis of market inflation indicators, then in non-state accumulation the situation is somewhat different. The increase in payments is accrued by the fund individually or by category of citizens. But it is based precisely on the profitability of the institution itself.

A healthy lifestyle is being promoted. The simplest example from everyday practice: smoking is strictly prohibited at Transneft production facilities. The most careful monitoring of compliance with this requirement is carried out.

In general, having corporate pensions is beneficial for both the employer and the employee. Its presence is a motivating factor for an employee not to change jobs in search of a “better life.” The possibility of receiving increased payments upon retirement stimulates the employee to perform his job duties more efficiently and improves his discipline in general.

Pros and cons of a corporate pension

The oil producing corporation Transneft has been implementing a program for calculating corporate pensions since 2004, using its own fund. NPF Transneft in 2020 was recognized as the best of all operating at that time in Russia.

Other sectors Non-state pension insurance is developed in the banking sector and the public sector: Models Corporate programs are classified according to the following criteria: Based on the source of financing, corporate contributions or parity. The CIPR rating includes the largest companies in Russia in terms of income, which at the same time have the most comprehensive programs for pensioners. At the end of the year, more than 24 thousand people receive a corporate pension.

Important information about the work of the fund is posted on the pages of the official website www. There is no personal online account for the insured person. How to conclude an agreement with a company under compulsory insurance In order to transfer insurance premiums to the company, the insured person will need to conclude an appropriate agreement using one of the following methods: General provisions 3 Section 2. Basic concepts and definitions used in pension rules 3 Section 3. List of types and description of pension schemes 6 Scheme 1.

Transneft corporate pension in 2020

For now, this is only a projected level, since it depends on the increase in the cost of living over the past year. If the expected increase turns out to be correct, then the average payment will be 9.2 thousand. The size of payments has also increased for citizens living in rural areas. This increase only applies to the fixed payment and does not apply to the full pension.

Therefore, the corporate pensions of an ordinary employee and the head of a department or department will be fundamentally different. Any system of providing maintenance in old age is built on a differentiated principle.

Legal assistance

Former employees also receive financial assistance in the event of loss of property from theft or other disaster, annual assistance for health improvement, payments for anniversaries and holidays, annual compensation for vacation expenses, and assistance for medical needs. Lukoil, Rosneft, Rosseti, which took 3rd, 4th and 5th places, respectively, have an approximately equal set of privileges. Companies pay a lump sum benefit to a retiring employee; provides regular financial assistance to non-working pensioners who do not receive non-state pensions from organizations; retain the right to health insurance. Lukoil employees who have become disabled due to an industrial accident can count on material and organizational support for prosthetics abroad if this is not possible in Russia.

Law on corporate pensions in the organization PJSC Transneft

An application to the Fund for the appointment and payment of a corporate non-state pension is submitted by the employee directly to the Investor, at any time after the onset of pension grounds, subject to dismissal from the Transneft system organizations. The Participant must attach the following documents to the application:

Corporate pension Transneft forum

For example, with an experience of 10 to 15 years, this bonus is 0.25 of the minimum monthly tariff rate for a worker of the first category. The Company's pensioners also receive financial assistance in the event of loss of property from theft or other disaster, annual assistance for health improvement, payments for anniversaries and holidays, annual compensation for vacation expenses, and assistance for medical needs.

Each child who has lost both parents or the children of a deceased single mother is assigned a corporate non-state pension in the event of the loss of a breadwinner in an amount not less than the minimum subsistence level established in the place of residence. The amount of the assigned corporate non-state pension in the event of the loss of a breadwinner is subject to recalculation on the basis of the Investor’s order letter and while simultaneously complying with clause 8.2 or 8.6 of the Fund’s Pension Rules.

Transneft corporate pension in 2020

I am a member of the Welfare Fund, I am resigning from Russian Railways, I want to withdraw my personal contributions, but for now I do not want to transfer my insurance pension to another fund. Is it possible to take away only the funded corporate part of the pension or do I need to completely change the fund? Good afternoon Dismissal from Russian Railways and termination of the contract on compulsory pension insurance are in no way connected, therefore you have the right not to transfer pension savings to form your funded pension to another fund, especially since an early transfer is accompanied by a loss of income.

Attached to the administrative letter:. Pension rules of the Fund and certified by the HR department. The amount of the corporate non-state pension is calculated by the Fund using actuarial calculations, based on the payment period, the amount of accrued pension payments indicated by the Investor in the letter of order, and the availability of funds in the joint or personal pension account.

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The procedure for assigning and paying a pension

The assignment of a corporate non-state pension is carried out by the Fund after receiving an order letter from the Investor regarding the Participant's right to receive a corporate non-state pension.

The Fund, within 15 working days from the date of receipt of the Investor’s authorization letter, calculates the amount and assigns a non-state pension, taking into account the amount of funds in the Participant’s personal pension account at the time of appointment.

The amount of the assigned corporate non-state pension is not subject to recalculation, except for the discovery of a technical error or indexation based on the results of the previous financial year.

The corporate non-state pension is assigned from the date specified by the Investor in the order letter. Pension payments are made by the Fund monthly from the 20th to the 31st of the current month.

a photocopy of the work record;

a photocopy of the document confirming the assignment of the pension;

photocopy of passport;

a photocopy of the insurance certificate of compulsory (state) pension insurance;

an individual's profile (information).

The Investor sends an order letter to the Fund regarding the Participant’s right to a corporate non-state pension. Attached to the administrative letter:

— the Participant’s application to the Fund regarding the assignment and payment of a corporate non-state pension;

— employee personal data card in the form established in the pension agreement;

— consent sheet for the provision and processing of personal data;

- documents listed in paragraphs. 9.2.2. Pension rules of the Fund and certified by the HR department.

The amount of the corporate non-state pension is calculated by the Fund using actuarial calculations, based on the payment period, the amount of accrued pension payments indicated by the Investor in the letter of order, and the availability of funds in the joint or personal pension account.

After receiving all the documents necessary to resolve the issue of assigning a pension and if the necessary pension grounds are available, the Fund makes a decision on assigning a corporate non-state pension to the Participant from the date specified by the Investor in the order letter on assigning a corporate non-state pension to the Participant.

The Participant’s application for the appointment and payment of a corporate non-state pension and the Investor’s order letter may be sent to the Fund no earlier than the date of the Participant’s pension grounds, provided for in Section 8 of the Fund’s Pension Rules and the date of the Participant’s dismissal from the Transneft system organization.

The Fund makes a decision on assigning a corporate non-state survivor pension (pension scheme No. 6) to the dependent(s) of the deceased Participant from the date specified in the document confirming the assignment of the pension.

The Fund makes a decision to assign the Participant a corporate non-state disability pension (pension scheme No. 6) no earlier than the day following the day the disability is established and for the entire period of its validity. The assignment of a corporate non-state disability pension is made in accordance with the Investor’s letter of administration after the Participant’s dismissal from the Transneft system organization.

If the Participant is diagnosed with disability for a new period, the Investor sends an order letter to the Fund to extend the term of payment of the corporate non-state pension to the Participant for a new period from the date the disability is established for a new term.

When a Participant receiving a corporate non-state disability pension reaches the retirement age required for the assignment of an old-age pension established by the current legislation of the Russian Federation, and while simultaneously complying with clause 8.2 or 8.4 of the Pension Rules of the Fund, based on the Participant’s application, he is assigned a corporate non-state old-age pension in the manner established by the Pension Rules of the Fund. In this case, the payment of the corporate non-state disability pension to the Participant is terminated.

Pension payments, at the request of the Participant, can be made:

— to a personal or current bank account;

— by post at your place of residence;

— in the hands of the Participant — through the Fund’s cash desk (in compliance with the requirements established by the current legislation of the Russian Federation).

The frequency of payments of corporate non-state pensions is monthly.

A one-time payment of the entire amount of accrued pension payments is not permitted.

npf-transneft.ru

What additional pension does Transneft pay?

The Transneft pension program has been implemented since 2004 through a non-state fund of the same name owned by the company. PPF Transneft was created in 2000 specifically to provide pension services to employees of enterprises included in the group. In 2020, the Transneft corporate pension program was recognized by the Center for the Study of Pension Reforms as the best pension package among large enterprises in Russia. At the beginning of 2020, more than 26 thousand pensioners of the company received payments; working employees are offered 10 options for pension schemes to receive additional payments in old age.

According to the approved rules, the amount of a corporate old-age pension cannot be lower than 2,000 rubles. When calculating payments under programs to provide pensioners for old age, disability, and loss of a breadwinner, the following are taken into account:

Transneft made the best pension offer to employees

Once a year, a pensioner has the right to order a car to transport necessary things over a distance of up to 450 km. A former employee purchases holiday benefits; compensation for medications, dentistry, prosthetics, examinations; vouchers for sanatorium-resort treatment; material assistance in case of natural thefts and disasters of property, assistance in burial.

The Center for the Study of Pension Reform has compiled
a rating of the largest Russian companies with the best conditions for retirement.
The most complete “pension package” is offered by the Transneft companies. Gazprom is only 0.3 positions behind the favorite. Not counting representatives of the oil and gas industry, the top ten included the holdings Russian Railways, Magnit, Rosseti and Sberbank. The CIPR rating includes the largest companies in Russia in terms of income, which also have the most comprehensive programs for pensioners. The “pension package” was assessed based on the average return on investment of pension savings over the last 3 years (2014-2016) in corporate pension funds of non-state pension funds and the number of personal benefits.

Transneft corporate pensions

By source of funding (corporate contributions or matching). The employer company transfers to the NPF account only corporate funds specifically allocated for the implementation of the program (parity insurance). Or contributions are made in accordance with employee investments (corporate accruals).
According to the duration of payments (for life, for a certain period or until the deposited funds are exhausted). Conditions such as the amount of payment, terms, contractual obligations, etc. depend on the duration of payments.
According to the method of maintaining accounts (joint and several and individual accounts). The solidary form involves depositing funds into a common pension account without distributing it among employees. In the case of individual accounts, payments are credited to the employees' personal accounts.
If possible, inheritance (with or without right of inheritance). The contract must clearly stipulate whether inheritance of funds is possible and how (the right of inheritance during accumulation in the event of death, the right of inheritance at the stage of payments, the right of inheritance in any cases).
The assignment of a corporate non-state pension is carried out by the Fund after receiving an order letter from the Investor regarding the Participant's right to receive a corporate non-state pension.

Between you and me

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The main difference between a corporate pension and other NGO schemes is the contribution of funds to the employee’s account by the employer. Recently, large companies have been actively implementing such a program, thereby ensuring the social protection of their employees.

On indexation of pensions for pensioners in 2020 and subsequent years

However, we should not forget that the indicated “plus a thousand for pension” is the AVERAGE indicator of an increase in pensions, which was not voiced so emphatically and, most importantly, not always, and therefore could have gone over the ears of many retired citizens.

After completing the multi-stage process of approvals and signings, the package of documents on changes to pension legislation acquired legal force; From 01/01/2020, the retirement age will begin to gradually increase and other changes provided for by the pension reform will take place.

Pension indexation from January 1, 2020 - details

It is already clear that not all pensioners will receive an increase. As President V.V. Putin said on Direct Line, raising the retirement age is also necessary to increase the monetary security of current pensioners. For this reason, all pensioners without exception receiving an old-age pension will undergo an unscheduled indexation of 7.05% from January 1, 2020.

The announced indexation of labor pensions, which is scheduled for January 1, 2020, does not include an increase in pensions for working pensioners. In other words, if you work, then your pension will not be indexed by 7.05% and you will not receive an increase of 1000 rubles.

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What is a corporate pension

The subject who receives such pensions must have an adequate amount of insurance experience.

Throughout the entire service life of an employee of the organization, it is mandatory for him to make insurance payments in a pre-specified amount.

Insurance of citizens' pension accruals is carried out only within the framework of their salary projects.
Payments of insurance accruals are made when it is established that an insured event has occurred within a period of three to ten working days, in accordance with the provisions of each specific organization.
Insurance is carried out according to the conditions of insurance rates established by each specific organization.

Availability of adequate work experience in a specific corporation.
Submitting an official application for the accrual and subsequent issuance of an insurance pension.
Preparation and provision of all documents required for calculating the pension and its subsequent issuance.
Russian citizenship.
Availability of a sufficient amount of insurance experience at the current place of work.
Registration at the citizen’s place of residence at the time of accrual of this type of pension.
Contributions to the insurance fund throughout the working life of the pension recipient.
No penalties during the period of service in the corporation.

Corporate pension

Payment of the assigned amount is made monthly without limitation , that is, for life. It is not possible to receive a pension at once. It is also impossible to inherit the right to this type of pension formed by the employer.

Being an instrument of successful personnel policy at the enterprise and a powerful argument in ensuring the social protection of employees, corporate pensions are increasingly being introduced not only at large Russian enterprises such as Rosneft, Sberbank, Russian Railways, but also in organizations with a smaller number of employees.

Corporate pension: size, calculation, reviews

Today, the state guarantees every Russian citizen payment of a certain amount of money when an insured event occurs. However, it is not always the case that the amount of benefits received can fully provide for a person financially. In order to increase the degree of social protection of citizens, a very positive mechanism was established at the level of current legislation related to the formation of additional payments with the participation of the citizen directly. What is a corporate pension (Rosneft)? Feedback from participants to date has what flavor? Why? These and other equally serious questions can be answered by reading the materials in this article.

NPF Transneft

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NPF Transneft is the largest pension fund in Russia, which is distinguished by its high quality of services and impeccable reputation. It provides voluntary and compulsory insurance services. The fund's clients can be individuals and legal entities. The reliability of NPF Transneft has been confirmed by many awards at prestigious competitions. According to the Central Bank, the fund's return for 2013 is 6.65%. More than 16 thousand insured persons receive pensions.